Latest revenue
$5.5M
as of 2025-09-30
Latest net income
$32.2K
as of 2025-09-30
Net margin
0.6%
as of 2025-09-30
Price · 5Y
Live market
delayed ≤15 min- Market cap
- $20.3M
- Enterprise value
- $20.3M
- P/E (trailing)
- —
- Forward P/E
- —
- P/B
- —
- Dividend yield
- 0.0%
- 52-wk high
- $3.30
- 52-wk low
- $1.47
- Beta
- —
- Shares out
- 8.5M
5-year trend
What this company does
PAID, Inc. sells SaaS tools to small and medium businesses for website building, e-commerce carts, payment processing, and shipping, with its Canadian ShipTime unit letting members book discounted courier and freight shipments. Shipping services drive the bulk of revenue, which reached $4.16 million in Q1 2024 at a roughly 24% gross margin. The company swung to a $300K quarterly profit from a year-earlier loss, helped by lower share-based compensation and $343K of interest and accretion income from a growing note receivable.
Generated from PAYD's filing dated 2022-03-31
Key risks
- Micro-cap liquidity: cash fell 38% to $1.27M in Q1 2024 as operations burned $225K and $500K was lent out via note receivable.
- Concentration in one asset: $3.35M note receivable now represents 46% of total assets, with income heavily reliant on $201K accretion and $142K accrued interest.
- Accumulated deficit of $69M against just $4.75M equity; Q1 operating loss of $38K shows core business barely breakeven absent non-cash interest income.
Generated from PAYD's filing dated 2022-03-31
Profitability
Gross margin
22.4%
2.4%Operating margin
-3.2%
19.1%Net margin
-1.8%
143.3%Return on equity
-7.3%
148.2%Return on assets
-4.4%
149.2%Leverage
Debt / equity
0.65×
4.8%Debt / assets
39.3%
2.9%Earnings tracker
| Quarter | Revenue | YoY | Net income | YoY | Net margin |
|---|---|---|---|---|---|
Q4 2025 2025-12-31 | $5.4M | +0.3% | $145.7K | +184.4% | 2.7% |
Q3 2025 2025-09-30 | $5.5M | +23.9% | $32.2K | +124.1% | 0.6% |
Q2 2025 2025-06-30 | $5.4M | +17.9% | $-397.3K | -151.6% | -7.3% |
Q1 2025 2025-03-31 | $4.4M | +5.2% | $-148.8K | -149.7% | -3.4% |
Q4 2024 2024-12-31 | $5.4M | — | $-172.7K | — | -3.2% |
Q3 2024 2024-09-30 | $4.4M | +8.2% | $-133.7K | -198.5% | -3.0% |
Q2 2024 2024-06-30 | $4.6M | +11.4% | $770.5K | +1247.6% | 16.7% |
Q1 2024 2024-03-31 | $4.2M | — | $299.6K | — | 7.2% |
Year-over-year change vs the same fiscal quarter one year prior. Revenue + net income sourced from SEC 10-Q / 10-K filings — no analyst-consensus dependency.
Industry trend
Services-Business Services, NEC · SIC 7389
Your notes
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Insider activity
Insider buying
$0
Insider selling
$0
Net activity
+$0
Distinct insiders
0
Open-market trades over the last 365 days.
Recent transactions
| Date | Insider | Type | Shares | Price | Value |
|---|
Source: SEC Form 4 filings. Officers, directors, and 10%+ owners must disclose share transactions within two business days. RSU grants and tax-withholding rows are excluded by default — compensation activity is not a trading signal.
Who owns PAYD
No institutional holdings on file for PAYD yet.
Source: SEC Form 13F-HR. Updated quarterly (45-day filing lag).
Top questions investors are asking
- 1
Operating income was barely breakeven at -$37K; without the $343K in interest/other income, core operations still lose money—when does ShipTime drive real operating profit?
- 2
You issued another $500K note receivable, bringing it to $3.35M—nearly half your assets; who's the borrower, what's the discount rate, and what's collection risk?
- 3
Operating cash flow worsened to -$225K despite reported net income of $300K; how do you fund operations with only $1.27M cash remaining?
Refreshed when PAYD files a new report · last from 2022-03-31