Paid Inc. (PAYD) intrinsic value & 10-year financials
Paid Inc. (PAYD) has a Graham intrinsic value of $2.99 per share. At $2.55 on Oct 17, 2026, the stock trades 15% below that value. Over the last 10 fiscal years revenue grew 50.5% a year to $20.7M, with an average return on invested capital of -117.0%.
- Graham intrinsic value
- $2.99
- Share price (Oct 17, 2026)
- $2.55
- Price vs Graham value
- 15% below
- Market cap
- $21.5M
- Revenue (FY2025)
- $20.7M
- Revenue growth (10-yr CAGR)
- 50.5%
- ROIC (10-yr avg)
- -117.0%
- Free cash flow (FY2025)
- -$55.6K
PAYD 10-year financial history
| Fiscal year | Revenue | Net income | EPS (diluted) | Free cash flow | Operating margin | ROIC |
|---|---|---|---|---|---|---|
| FY2025 | $20.7M | -$368.2K | -$0.04 | -$55.6K | -3.2% | -9.6% |
| FY2024 | $18.6M | $763.6K | $0.09 | $441.1K | -2.7% | -15.8% |
| FY2023 | $16.6M | $353.2K | $0.04 | $235.5K | -3.5% | -29.5% |
| FY2022 | $16.6M | $652.1K | $0.08 | $801.4K | 0.4% | 7.0% |
| FY2021 | $14.9M | -$696.8K | -$0.09 | $1.2M | -3.3% | -65.6% |
| FY2020 | $12.9M | -$2.2M | -$0.41 | $1.1M | -16.5% | -114.7% |
| FY2019 | $10.5M | $282.0K | $0.05 | — | -6.8% | -39.4% |
| FY2018 | $9.3M | -$11.5M | -$7.06 | — | -126.0% | -894.2% |
| FY2017 | $7.6M | -$617.0K | — | — | -9.1% | -4.5% |
| FY2016 | $523.7K | -$347.6K | — | — | -86.8% | -3.4% |
Source: annual 10-K filings on SEC EDGAR. Figures in USD.
Executive summary
PAID INC is a consistent compounder, expanding top-line revenue at 50.5% annually over the past decade.
PAID INC has historically struggled to out-earn its cost of capital, averaging just -28.5% ROIC.
PAID INC capital allocation metrics are N/A for the decade; share count and net debt history are incomplete.
Benjamin Graham lens
Under Benjamin Graham's formula using SEC EDGAR fundamentals, PAID INC is modeled at 15.0% normalized earnings growth with a 5.1% bond-yield adjustment. The resulting Graham intrinsic value estimate is $2.99 per share.