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ZYBERNO

Stock Report

Updated Sep 1, 2026

PAID INC (PAYD)

OTC

$2.39

Professional Investment Analysis

ZYBERNO SCORE →

Is it a great business? Is it getting better?

27.0/100

POOR BUSINESS

PAID INC (PAYD) scores 27/100 — concerning metrics indicating significant structural or financial risks.

📊 How is the Zyberno Score calculated? +

The Zyberno Score answers one question: "Is this a quality business worth owning?" It's a 0-100 investment grade that evaluates business fundamentals across four critical dimensions, based on principles from Warren Buffett, Benjamin Graham, Peter Lynch, and Charlie Munger.

The 4 Core Categories (25 points each):

1. PROFITABILITY (25 pts)

Metrics: ROE, ROIC, Net Margin, Operating Margin
Thresholds: ROE >20% excellent • ROIC >20% excellent • Net Margin >20% excellent • Operating Margin >25% excellent

2. FINANCIAL STRENGTH (25 pts)

Metrics: Debt-to-Equity, Current Ratio, Interest Coverage, Altman Z-Score
Thresholds: D/E <0.3 excellent • Current Ratio >2.5 excellent • Interest Coverage >10x excellent • Altman Z >3.0 safe

3. CASH FLOW QUALITY (25 pts)

Metrics: Free Cash Flow, OCF vs Net Income, FCF Margin
Thresholds: Positive & growing FCF excellent • OCF/NI >1.2x excellent (cash earnings exceed accounting)

4. GROWTH & CONSISTENCY (25 pts)

Metrics: Revenue Growth, Net Income Growth, FCF Growth, Piotroski F-Score
Thresholds: Growth via log-linear regression • Piotroski 8-9 excellent, 6-7 good

Score Interpretation:

75-100

GREAT BUSINESS

65-74

GOOD BUSINESS

50-64

AVERAGE BUSINESS

30-49

WEAK BUSINESS

0-29

POOR BUSINESS

→ View full PAYD quality analysis & detailed breakdown

VALUATION SIGNAL

MARGIN OF SAFETY

Is this stock cheap or expensive relative to what the business has historically generated for owners?

-100.0%

Overvalued

Growth gap unavailable — insufficient data for reverse DCF calculation.

🎯 Expected Annual Return →

-42.6%

5-year annualised assuming price converges to intrinsic value

💰 How is Margin of Safety calculated? +

Margin of Safety measures how much discount or premium you're paying relative to a stock's intrinsic value. It's Benjamin Graham's core principle: the larger the margin, the lower your downside risk.

Formula: (Intrinsic Value − Current Price) ÷ Intrinsic Value × 100%

How We Calculate Intrinsic Value (DCF Method):

Step 1: Calculate current Owner Earnings (OCF − Maintenance CapEx)

Step 2: Calculate company-specific growth rate using log-linear regression on 16 quarters of Owner Earnings

Step 3: Project 10 years forward using the calculated growth rate

Step 4: Discount each year's cash flow to present value using 10% discount rate

Step 5: Calculate terminal value using 3% perpetual growth rate

Step 6: Sum all discounted cash flows = Intrinsic Value

What The Percentages Mean:

+50% or more

EXCELLENT — Very undervalued

+25% to +50%

GOOD — Attractive discount

0% to +25%

FAIR — Reasonable value

0% to -25%

CAUTION — Slight premium

-25% or worse

POOR — Overvalued

"Price is what you pay, value is what you get." — Warren Buffett

→ View full PAYD valuation analysis · → View full PAYD Brina Gap analysis

📈 How is Brina Gap calculated? +

Brina Gap measures the difference between the growth a business can fundamentally sustain and the growth the market is already pricing in.

Formula: Fundamental Growth Rate − Market-Implied Growth Rate

The Two Components:

Fundamental Growth Rate = ROIC × Reinvestment Rate

What the business can sustainably grow at based on how much it reinvests and what return it earns on that capital. Grounded in historical financials.

Market-Implied Growth Rate = Reverse DCF

The growth rate the current Enterprise Value implicitly assumes. Calculated by back-solving a 10-year DCF model (10% WACC, 3% terminal growth) until the present value of projected cash flows equals EV.

What The Gap Means:

Gap > +5% Market Underestimates — potential upside

+2% to +5% Slight Underestimate

-2% to +2% Fairly Priced — market consensus matches fundamentals

-5% to -2% Slight Overestimate

Gap < -5% Market Overestimates — price embeds optimism fundamentals don't support

A positive gap (market underestimates) combined with a positive Margin of Safety is the strongest combined signal — the business is both cheap historically and forward economics are stronger than the price suggests.

Critical Financial Health Indicators

Return on Equity (Profitability):CRITICAL (-7.6%)

Debt-to-Equity (Solvency Risk):AVERAGE (0.83x)

Operating Margin (Operational Efficiency):CRITICAL (-1.0%)

Return on Capital (Capital Efficiency):CRITICAL (-1.8%)

📊 Valuation Trilogy

Three interconnected metrics for complete valuation analysis

Click any metric for full methodology and detailed analysis

Zyberno's Verdict

PAID INC (PAYD) stock report — Zyberno Score 27/100 (POOR BUSINESS), Margin of Safety -100.0%, -43% expected annual return. Full financial analysis on Zyberno.

According to Zyberno's DCF model, PAID INC (PAYD) trades at $2.39 against an estimated intrinsic value per share of $0.25 — a -100.0% Margin of Safety based on Owner Earnings of $289.15K TTM, projected at -9.6% growth for 10 years with a 2.5% terminal growth rate. Zyberno's model translates this into a 5-year expected return of -42.6% annually.

Over the trailing twelve months, PAYD generated $289.15K in Owner Earnings. Capital was deployed as follows: $4.38K invested in capital expenditures. Owner Earnings have declined at 9.6% annually over the trailing five years using log-linear regression.

DIVISION I: EXECUTIVE SUMMARY

A. Market Valuation

Market Price & Capitalization (2)

Current Price:2.39

Market Cap:$20.57M

Valuation Multiples (3)

P/B Ratio:3.61x

P/S Ratio:0.93x

Peg Ratio:-999.00x

Enterprise Metrics (3)

Enterprise Value:$24.19M

Ev Ebitda Ratio:86.82x

Pfcf Ratio:73.31x

Price Action & Momentum (3)

12-1 Momentum:

-18.1% (21th pctile)

📈 Click to view full PAYD Momentum analysis →

Momentum Percentile:21 / 100

% of 52-Week High:72.3%

B. Profitability Assessment

Return Metrics (3)

ROE:

-7.6%

📊 Click to view full PAYD ROE analysis →

ROA:-5.0%

Roic:

-1.8%

📊 Click to view full PAYD ROIC analysis →

Margin Analysis (3)

Operating Margin Ttm:-1.0%

Net Margin Ttm:-1.9%

Ebitda Margin:1.3%

TTM Performance (3)

Gross Margin Ttm:21.3%

Operating Margin Ttm:-1.0%

Net Margin Ttm:-1.9%

Yield Metrics (3)

Earnings Yield:-$3.66

Owner Earnings Yield:$1.36

Dividend Yield:0.0%

C. Log-Linear Regression Growth Trends

Earnings Surprise (SUE) (3)

Earnings Surprise (SUE):

+0.03

📊 Click to view full PAYD Earnings Surprise analysis →

EPS Surprise vs Expected:100.0%

Latest Earnings Filed:2026-05-15

Revenue Growth (Linear) (1)

Revenue Growth Rate (Linear):10.5%

Earnings Growth (Linear) (1)

Net Income Growth Rate (Linear):-37.1%

Cash Flow Growth (Linear) (2)

Free Cash Flow Growth Rate (Linear):-1.7%

Operating Cash Flow Growth Rate (Linear):-8.7%

D. Financial Stability

Liquidity Ratios (3)

Current Ratio:0.89x

Quick Ratio:0.89x

Cash Ratio:0.51x

Leverage Analysis (3)

Debt To Equity Ttm:0.83x

Debt-to-Equity Ratio:0.83x

Debt To Ebitda:16.87x

Coverage Ratios (1)

Times Interest Earned:-999.00

Capital Structure (4)

Working Capital:-230,140.00

Cash And Cash Equivalents:1,078,408.00

Long Term Debt:$4.67M

Net Debt:$3.62M

DIVISION II: FINANCIAL STATEMENTS ANALYSIS

A. Income Statement Analysis

Revenue Components (2)

Revenue TTM: $22.10M

Linear Growth: 10.5%

📊 Click to view full PAYD Revenue analysis & methodology →

Cost Of Revenue Ttm:$17.39M

Profitability Breakdown (2)

Gross profit TTM: $4.71M

Linear Growth: 7.8%

📊 Click to view full PAYD Gross Profit analysis & methodology →

-$229.23K

Bottom Line Performance (3)

Net income TTM: -$417.18K

Linear Growth: -37.1%

📊 Click to view full PAYD Net Income analysis & methodology →

Income Before Tax:-$107.07K

Ebitda Ttm:278,642.00

Operating Expenses (5)

Operating Expenses:4,937,488.00

R And D Expense:0.00

Sga Expense:1,567,932.00

Income Tax Expense:-$236.01K

Interest Expense:0.00

Expense Ratios (3)

R And D To Revenue Percentage:0.0%

Sga To Revenue Percentage:26.7%

Ebitda Margin:1.3%

B. Balance Sheet Analysis

Asset Composition (5)

Total Assets:$8.44M

Current Assets:$1.90M

Ppe Net:8,034.00

Goodwill:0.00

Intangible Assets:$1.79M

Liability Structure (4)

Total Liabilities:2,743,830.00

Current Liabilities:2,132,458.00

Long Term Debt:$4.67M

Short Term Debt:$32.11K

Equity & Capital (3)

Equity:$5.69M

Retained Earnings:-$69.29M

Common Stock:25,000,000.00

Working Capital Items (3)

Accounts Receivable:469,348.00

Inventory:0.00

Accounts Payable:1,578,434.00

Special Items (2)

Contract Liabilities:340,629.00

Stock Based Compensation:58,974.00

C. Cash Flow Analysis

Operating Activities (2)

Operating cash flow TTM: $293.53K

Linear Growth: -8.7%

Free cash flow TTM: $289.15K

Linear Growth: -1.7%

📊 Click to view full PAYD Free Cash Flow analysis & methodology →

Investment Activities (2)

Investing Cash Flow:-$1.92K

Capital Expenditures Ttm:4,384.00

Financing Activities (3)

Financing Cash Flow:$0.00

Dividends Paid Ttm:0.00

Stock Repurchase:0.00

Capital Transactions (3)

Common Stock Issuance:0.00

Long Term Debt Issuance:$0.00

Long Term Debt Repayments:$0.00

Non-Cash Items (1)

Depreciation Amortization Ttm:507,869.00

DIVISION III: OPERATIONAL METRICS

A. Per Share Analysis

Earnings Per Share (3)

EPS (Basic TTM):-0.04

Eps diluted TTM: -$0.09

Linear Growth: 100.0%

📊 Click to view full PAYD EPS analysis & methodology →

Earnings Per Share Ttm:-$0.05

Revenue & Cash Per Share (3)

Sales Per Share Ttm:2.56

Operating Cash Flow Per Share:-$0.01

Fcf Per Share Ttm:0.03

Book Value & Capital (2)

Book Value Per Share:$0.66

Cash Per Share:0.13

Dividend Policy (1)

Dividend Payout Ratio:-999.00x

B. Operational Efficiency

Asset Utilization (2)

Asset Turnover Ttm:2.64x

Working Capital Turnover Ttm:-999.00x

Receivables Management (2)

Receivables Turnover Ttm:47.08x

Days Sales Outstanding Ttm:7.75

Inventory Management (2)

Inventory Turnover Ttm:-999.00x

Days Inventory Outstanding Ttm:-999.00

Payables & Cash Cycle (2)

Days Payable Outstanding:33.14

Cash Conversion Cycle:-1,024.38

C. Quality & Risk Metrics

Financial Quality Scores (2)

Financial Strength Score:0.00

Quality Score:15.00

Market Metrics (2)

Beta:0.00x

Volatility Category:unknown

DIVISION IV: INVESTMENT ANALYSIS

A. Value Investment Framework

Owner Earnings Analysis (3)

Owner earnings TTM: $289.15K

Linear Growth: -9.6%

📊 Click to view full PAYD Owner Earnings analysis & methodology →

Owner Earnings Per Share:$0.03

Owner Earnings Yield:$1.36

Growth Assessment (1)

Owner Earnings Growth Rate:-$9.56

Intrinsic Value Models (1)

Intrinsic Value:

$2.18M

📊 Click to view full PAYD DCF valuation →

Margin of Safety (1)

Margin Of Safety:

-100.0%

📊 Click to view full PAYD valuation analysis →

Return Scenarios (1)

Theoretical 5-Year Return:

-42.6%

📊 Click to view full PAYD expected return analysis →

Investment Assessment (1)

Buffett Assessment:Overvalued

B. Log-Linear Regression Growth Analysis

Growth Rates (Log-Linear Regression) (2)

Revenue Growth Rate (Linear):10.5%

Net Income Growth Rate (Linear):-37.1%

Cash Flow Growth Rates (2)

Free Cash Flow Growth Rate (Linear):-1.7%

Operating Cash Flow Growth Rate (Linear):-8.7%

Other Growth Rates (3)

Gross Profit Growth Rate (Linear):7.8%

Book Value Growth Rate (Linear):19.7%

Owner Earnings Growth Rate:-$9.56

C. Company Profile & Context

Corporate Information (6)

Symbol:PAYD

Company Name:PAID INC

Sector:Unknown

Industry:Business Services

Exchange:OTC

Country:United States

Market Classification (3)

Market Cap Category:N/A

Price Category:low

Volume Category:N/A

Share Structure (3)

Shares Outstanding:8.62M

Shares Outstanding Basic:8.62M

Shares Outstanding Diluted:8.55M

Data Processing Info (3)

Processing Version:v3.0

Last Updated:2026-09-01 12:07:30 UTC

Data Timestamp:2026-08-21T04:57:28.770102