On the stock market since 2017, it operates in the world of technology. It has 29 employees. Now — the numbers.
The company is still in the product-building phase: its spending runs above its sales. That only changes once the product starts selling at scale.
That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.
Average growth of 9% a year over the last 4 years. Red columns mark years that ended in a loss.
Before the clock runs out, either sales must climb sharply or new money must come in. For now, time is on the company’s side.
Executives buying with their own money is usually read as confidence in the company’s future.
The stock trades 49% below its peak. The market has trimmed its expectations for the company.
Sales run at $20.7M a year. A small number, but proof the product has real buyers.
There is $1.1M in the vault; even if every debt were paid off, $1.0M would remain.
Over the last 12 months, company executives reported 5 buys and 1 sell. Management buying with its own money is usually read as a good sign.
A loss of $368K against $20.7M in annual sales.
Since the drop from its peak, buyer appetite hasn’t come back.
On our five-subject report card, PAYD sits behind the class. A low grade doesn’t mean “doomed” — it means “big claim, small proof.”
The takeaway: PAYD is a high-risk stock — not yet profitable, and its future rides on its product catching on.