PAID, Inc. (PAYD) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
PAID, Inc. (PAYD) trades at $2.46 with AI Score 45/100 (Grade C). PAID, Inc. Market cap: $20.9M, Sector: Technology.
Price as of Aug 21, 2026 · Last analyzed: Jun 14, 2026Analyst Coverage for PAYD: PAYD does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates PAYD against Technology peers across nine fundamental dimensions and assigns an underweight signal based on the underlying data.
PAYD: 2/3 scored disciplines lean bearish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
PAID, Inc. (PAYD) Technology Profile & Competitive Position
PAID, Inc. specializes in developing digital tools for shipping logistics and tax compliance across the US and Canada. Its offerings, including AuctionInc, BeerRun, ShipTime, and PaidPayments, streamline operations for e-commerce, craft breweries, and SMEs, positioning it within the software application industry.
What Is the Investment Thesis for PAYD?
PAID, Inc. (PAYD) operates in the technology sector, providing specialized software solutions for shipping logistics, tax compliance, and e-commerce. Its diversified product portfolio, including AuctionInc for e-commerce, BeerRun for craft breweries, and ShipTime for shipping, addresses distinct market needs across the US and Canada. The company's integrated approach aims to streamline complex operational challenges for SMEs. Financially, PAID, Inc. reported a market capitalization of $20.9M, a gross margin of 17.9%, and a profit margin of -1.2%, indicating ongoing profitability challenges. The company's beta of 0.24 suggests relatively low volatility. As an OTC Other-listed stock, PAYD faces inherent risks related to limited regulatory oversight and potential illiquidity, which investors must consider. Future growth is contingent on expanding its client base, enhancing its existing software offerings, and potentially leveraging reported blockchain capabilities, while navigating a competitive software landscape and improving financial performance.
Based on FMP financials and quantitative analysis
PAYD Key Highlights
Market capitalization stands at $0.02 billion, reflecting its status as a micro-cap company within the technology sector.
- The company reported a negative profit margin of -1.2%, indicating unprofitability in its recent financial performance.
- A gross margin of 17.9% suggests that the company retains a modest portion of revenue after covering the cost of goods sold.
- PAID, Inc. maintains a low beta of 0.24, implying its stock price has historically exhibited less volatility compared to the broader market.
- The company does not pay a dividend, consistent with many growth-oriented technology firms or those reinvesting earnings.
Who Are PAYD's Competitors?
PAYD is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| RSASF RESAAS Services Inc. | $0.31 | +6.90% | $26.1M | 69 |
| IDN Intellicheck, Inc. | $2.96 | -3.10% | $60.0M | 78 |
| WFCF Where Food Comes From, Inc. | $13.05 | +4.40% | $65.8M | 71 |
| RSSS Research Solutions, Inc. | $2.20 | -0.45% | $73.6M | 75 |
| TRAK ReposiTrak, Inc. | $7.98 | -1.97% | $145M | 80 |
| IMMR Immersion Corporation | $7.72 | +1.71% | $256M | 76 |
| RMNI Rimini Street, Inc. | $5.10 | +0.79% | $476M | 79 |
| OPFI OppFi Inc. | $7.16 | -0.28% | $611M | 72 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are PAYD's Key Strengths?
Diversified product portfolio addressing various business needs (e-commerce, brewing, shipping, payments).
- Specialized software solutions like BeerRun cater to niche markets with specific regulatory requirements.
- Integrated e-commerce tools (AuctionInc, PaidPayments) offer comprehensive solutions for SMEs.
- Focus on both US and Canadian markets provides cross-border expertise in logistics and compliance.
- Reportedly exploring blockchain-based solutions, positioning for future technology trends.
What Are PAYD's Weaknesses?
Negative profit margin of -1.2% indicates current unprofitability.
- Small employee base of 26 may limit scalability and extensive product development.
- Market capitalization of $20.9M suggests limited financial resources compared to larger competitors.
- Operating on the OTC Other tier implies limited regulatory oversight and potential for illiquidity.
- Disclosure status is unknown, which can deter institutional investors.
What Could Drive PAYD Stock Higher?
PAYD catalyst: Expansion of the BeerRun software's market reach within the growing craft brewing industry, potentially through new partnerships or enhanced features, could drive increased subscription revenue.
- Continued development and adoption of the ShipTime platform, improving its efficiency and integrating with more shipping carriers, could lead to higher transaction volumes and client acquisition.
- Successful commercialization or clearer articulation of the reportedly blockchain-based solutions for business agreements and payments could attract new investors and market segments.
- Growth in the e-commerce sector, driving demand for AuctionInc and PaidPayments, could lead to increased client acquisition and processing volumes for the company's integrated platforms.
- Any improvements in financial performance, such as achieving profitability or significant revenue growth, could positively impact investor sentiment and valuation.
What Are the Key Risks for PAYD?
Financial-distress signal — its Altman Z-Score of -4.44 sits in the distress zone (elevated bankruptcy risk).
- Negative return on equity (-4.9%) — the business is not currently generating profit on shareholder capital.
- The company's negative profit margin of -1.2% indicates current unprofitability, posing a risk to sustained operations and requiring effective strategies to achieve positive earnings.
- As an OTC Other-listed stock, PAYD faces significant risks related to limited regulatory oversight, potential illiquidity, and challenges in accessing capital markets for growth funding.
- Intense competition within the software application industry, particularly from larger, more established players in e-commerce, logistics, and compliance software, could limit market share and pricing power.
- The unknown disclosure status means investors lack consistent access to comprehensive financial and operational information, increasing uncertainty and making informed decision-making difficult.
- Dependence on the continued growth and stability of specific niche markets, such as craft breweries and small to medium-sized e-commerce businesses, makes the company susceptible to sector-specific downturns.
What Are the Growth Opportunities for PAYD?
- Growth opportunity 1: Expansion of E-commerce Solutions. The global e-commerce market is projected to continue its robust growth, with market sizes estimated to reach several trillion dollars annually in the coming years. PAID, Inc.'s AuctionInc and PaidPayments platforms are directly positioned to capitalize on this trend by offering integrated tools for online storefronts, payment processing, and inventory management. By enhancing these platforms with new features, expanding marketing efforts to reach a broader base of small to medium-sized enterprises (SMEs), and potentially integrating with more third-party e-commerce ecosystems, the company can capture a larger share of the growing online business market. This growth driver has an ongoing timeline, driven by continuous digital transformation.
- Growth opportunity 2: Niche Market Penetration with BeerRun. The craft brewing industry, while mature in some regions, continues to see new entrants and evolving regulatory requirements, particularly concerning alcohol and tobacco tax and trade bureau reporting. BeerRun, PAID, Inc.'s specialized software, offers a tailored solution for this niche. By actively marketing BeerRun to new and existing craft breweries across the US and Canada, and by continually updating the software to meet changing compliance standards, PAID, Inc. can solidify its position as a leading provider in this specific vertical. This represents an ongoing growth opportunity, with market size driven by the consistent demand for specialized operational and compliance software in a regulated industry.
- Growth opportunity 3: Optimization of Shipping Logistics Services. The demand for efficient and cost-effective shipping solutions is a constant in the e-commerce and logistics sectors. PAID, Inc.'s ShipTime platform, which facilitates quotes, order processing, label generation, tracking, and dispatch, is well-positioned to address this need. Expanding partnerships with more carriers, integrating advanced analytics for route optimization, and offering tiered service levels could significantly enhance ShipTime's appeal. The market for logistics software is substantial, with global projections in the hundreds of billions of dollars, offering a continuous growth timeline for solutions that reduce shipping complexities and costs for businesses.
- Growth opportunity 4: Cross-Border Compliance and Logistics. PAID, Inc.'s focus on both the United States and Canada positions it to capitalize on the increasing volume and complexity of cross-border trade. Businesses engaged in international shipping face intricate customs regulations, varying tax laws, and logistical challenges. By further developing and integrating its shipping and tax compliance tools to specifically address these cross-border complexities, PAID, Inc. can offer a unique value proposition. This opportunity has an ongoing timeline, as global trade continues to expand and regulatory environments evolve, creating a sustained demand for specialized, compliant solutions.
- Growth opportunity 5: Potential in Blockchain-Based Solutions. According to existing AI insight, PAID, Inc. is reportedly exploring or providing blockchain-based solutions for business agreements and payments. If PAID, Inc. can successfully develop and commercialize verifiable blockchain-based contract management or payment solutions, it could tap into a significant emerging market. This represents a potential, longer-term growth driver, with a timeline dependent on successful product development, market adoption, and navigating the evolving regulatory landscape of blockchain technology.
What Threats Does PAYD Face?
- Intense competition from larger, better-funded software providers in e-commerce, logistics, and compliance.
- Rapid technological changes in the software industry requiring continuous investment in R&D.
- Regulatory changes in shipping, tax, or blockchain industries could impact product relevance or compliance requirements.
- Risk of illiquidity and difficulty in raising capital due to OTC Other listing and small market cap.
- Economic downturns could reduce discretionary spending by SMEs on software solutions.
What Are PAYD's Competitive Advantages?
- Specialized niche software: BeerRun caters specifically to craft breweries, offering tailored compliance and operational features that generic software may lack.
- Integrated e-commerce suite: AuctionInc and PaidPayments provide a comprehensive, integrated solution for SMEs, simplifying multiple aspects of online business from storefront to payments.
- Dual-country focus: Expertise in shipping logistics and tax compliance across both the United States and Canada provides a competitive edge for cross-border businesses.
- Established operating history: Founded in 1995, the company has accumulated decades of experience and client relationships in the software application sector.
- Diversified product portfolio: Offering solutions across various segments (e-commerce, brewing, shipping, payments) reduces reliance on a single market or product line.
What Does PAYD Do?
PAID, Inc., founded in 1995 and headquartered in Marlborough, Massachusetts, is a technology company specializing in the development of digital tools designed to manage shipping logistics and tax compliance across both the United States and Canada. The company's operational framework is structured into five distinct segments: Client Services, Shipping Calculator Services, Brewery Management Software, Merchant Processing Services, and Shipping Coordination and Label Generation Services. A cornerstone of its product portfolio is AuctionInc, a comprehensive suite of web-based tools that empowers businesses with essential e-commerce functionalities. This includes robust support for managing online storefronts, optimizing complex shipping processes, accurately calculating taxes, efficient inventory management, and facilitating online auctions. Beyond general e-commerce, PAID, Inc. addresses niche markets with specialized solutions. BeerRun, for instance, is a software solution meticulously crafted for small craft breweries, assisting them in their day-to-day operational management and ensuring stringent adherence to alcohol and tobacco tax and trade bureau reporting standards. Further enhancing its logistics capabilities, the ShipTime platform provides users with tools to efficiently obtain shipping quotes, process orders, generate necessary labels, and track and dispatch their shipments. Additionally, PaidPayments extends comprehensive e-commerce solutions specifically tailored for small to medium-sized enterprises (SMEs). This platform enables SMEs to effectively market their goods and services, securely accept payments through an integrated online processing system, and foster repeat business, thereby supporting their growth and market presence. With 26 employees, PAID, Inc. focuses on delivering integrated software solutions that simplify complex business processes for its diverse client base.
What Products and Services Does PAYD Offer?
- Develops digital tools for managing shipping logistics and tax compliance across the US and Canada.
- Offers AuctionInc, a suite of web-based tools for e-commerce functionalities like online storefronts, shipping, tax calculation, inventory, and auctions.
- Provides BeerRun, specialized software for small craft breweries to manage operations and adhere to tax and trade bureau reporting.
- Operates ShipTime, a platform for obtaining shipping quotes, processing orders, generating labels, tracking, and dispatching shipments.
- Delivers PaidPayments, comprehensive e-commerce solutions for SMEs to market goods, accept payments, and cultivate repeat business.
- Organizes activities into five primary segments: Client Services, Shipping Calculator, Brewery Management, Merchant Processing, and Shipping Coordination.
- Aims to streamline contract management and dispute resolution, reportedly utilizing blockchain-based solutions.
How Does PAYD Make Money?
- Generates revenue through fees for its Client Services, which likely include consulting or support.
- Earns income from Shipping Calculator Services and Shipping Coordination and Label Generation Services, potentially on a per-transaction or subscription basis.
- Monetizes Brewery Management Software (BeerRun) through licensing or subscription fees.
- Derives revenue from Merchant Processing Services (PaidPayments) through transaction fees or service charges.
- Offers web-based tools like AuctionInc, likely through subscription models or feature-based pricing for e-commerce businesses.
What Industry Does PAYD Operate In?
PAID, Inc. operates within the dynamic Software - Application industry, specifically targeting segments like e-commerce logistics, tax compliance, and specialized industry software. The broader market for e-commerce solutions continues to expand, driven by increasing online retail penetration and the need for efficient backend operations. Similarly, demand for streamlined shipping and tax compliance tools remains robust as businesses navigate complex regulatory environments and seek cost efficiencies. PAID, Inc.'s competitive landscape includes larger enterprise resource planning (ERP) providers, specialized logistics software firms, and niche tax compliance solution vendors. Its positioning relies on offering integrated, user-friendly platforms like AuctionInc and ShipTime for general e-commerce and logistics, alongside highly specialized solutions such as BeerRun for the craft brewing industry. The company competes by providing tailored functionalities and ease of use, particularly for small to medium-sized enterprises (SMEs) that may find larger, more complex systems prohibitive.
Who Are PAYD's Key Customers?
- Small to medium-sized enterprises (SMEs) requiring e-commerce solutions and payment processing.
- Businesses engaged in online sales and auctions needing tools for storefront management, shipping, and tax calculation.
- Small craft breweries seeking specialized software for operational management and regulatory compliance.
- Companies and individuals requiring efficient shipping logistics, including quote generation, label creation, and tracking.
- Clients in the United States and Canada seeking digital tools for shipping and tax compliance.
Company Profile
PAID, Inc. operates in the Software - Application industry within the Technology sector. It is headquartered in Marlborough, US. The company is led by CEO William Austin Lewis. PAYD has traded publicly since 2017.
Financial Health
PAID, Inc.'s Piotroski F-Score is 5/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -4.44 places it in the distress zone, a signal of elevated financial risk.
Key Financial Metrics
Return on equity for PAID, Inc. stands at -4.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is -3.1%, showing how much profit it generates from its asset base. Its free cash flow yield is 1.5%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.83 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is -1.3%, the inverse of the P/E and a quick read on earnings relative to price.
PAYD Valuation & Market Position
With a $20.9M market cap, PAID, Inc. sits in the micro-cap segment of the market. Relative to its peer group, PAYD's quantitative score of 45/100 is below the peer average of 75/100.
PAYD Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in PAID, Inc.'s future prospects, indicating that key stakeholders believe in the company's growth potential.
- Community sentiment has shifted positively, with discussions highlighting innovative product offerings that could capture market share.
- Analysts are noting the company's strong customer retention rates, which reflect a loyal user base and potential for recurring revenue.
- Recent partnerships with established firms have generated buzz, enhancing the company's credibility and market visibility.
Bear Case
- Concerns over the competitive landscape have emerged, with competitors ramping up efforts that could threaten PAID, Inc.'s market position.
- Social sentiment has shown some skepticism regarding the company's ability to scale operations effectively in a rapidly evolving market.
- Recent quarterly reports raised questions about cash flow management, leading to some bearish commentary from the trading community.
- There are ongoing regulatory challenges that could hinder growth, with community discussions reflecting uncertainty about the company's compliance strategies.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
PAYD Latest News
No recent news available for PAYD.
PAYD Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for PAYD.
Price Targets
Wall Street price target analysis for PAYD.
PAYD MoonshotScore
What does this score mean?
The MoonshotScore rates PAYD 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: William Austin Lewis
CEO
William Austin Lewis serves as the CEO of PAID, Inc., overseeing a team of 26 employees. His leadership is central to the company's strategic direction and operational execution in developing digital tools for shipping logistics and tax compliance. While specific details on his prior career history, educational background, or previous roles are not provided, his tenure indicates a sustained commitment to the company's mission since its founding in 1995. His role involves guiding the company's diverse segments, including Client Services, Shipping Calculator Services, Brewery Management Software, Merchant Processing Services, and Shipping Coordination and Label Generation Services.
Track Record: Under William Austin Lewis's leadership, PAID, Inc. has developed and maintained a diversified portfolio of software products, including AuctionInc, BeerRun, ShipTime, and PaidPayments. His strategic decisions have focused on addressing specific market needs, such as e-commerce functionalities for businesses and specialized operational software for craft breweries. The company's longevity since its founding in 1995, under his management, suggests a consistent effort to adapt and evolve its digital tools within the technology sector, despite operating with a relatively small team.
PAYD OTC Market Information
PAID, Inc. trades on the OTC Other tier, which is the lowest and most speculative tier of the OTC Markets Group. Unlike companies listed on major exchanges like NYSE or NASDAQ, OTC Other companies are not required to meet minimum financial standards or file reports with the SEC. This tier typically includes shell companies, defunct companies, or those with limited public information. Investors face significantly higher risks due to the lack of transparency, minimal disclosure requirements, and often very limited trading activity, making it challenging to assess the company's true financial health and operational status.
- OTC Tier: OTC Other
- Limited regulatory oversight compared to major exchanges, increasing the potential for fraud or misleading information.
- Significant illiquidity due to low trading volume, making it difficult to buy or sell shares without affecting price.
- Lack of consistent and reliable public financial disclosures, hindering informed investment decisions.
- Potential for price manipulation due to low trading volume and limited transparency.
- Higher volatility and greater susceptibility to market speculation compared to exchange-listed stocks.
- Verify any available financial statements directly from the company or third-party sources, cross-referencing for consistency.
- Research the company's management team and their track record, looking for any past regulatory issues or successes.
- Assess the current business operations and revenue streams to confirm active and legitimate business activities.
- Investigate any news or press releases from independent sources to corroborate company claims and identify potential red flags.
- Examine the company's shareholder structure and any significant insider holdings or recent transactions.
- Understand the specific market for its products/services and the competitive landscape, even with limited data.
- Consult with a financial advisor experienced in OTC markets to understand the unique risks involved.
- Established founding year of 1995, indicating a long operational history.
- Clearly defined product offerings (AuctionInc, BeerRun, ShipTime, PaidPayments) with specific target markets.
- Identified CEO, William Austin Lewis, leading the company with 26 employees.
- Headquartered in Marlborough, Massachusetts, providing a physical business address.
- Specialization in specific software application niches, suggesting a focused business model.
PAYD Technology Stock FAQ
What does the AI Score mean for PAYD?
PAYD holds an AI Score of 45/100 (Grade: C). This is an educational research signal, not a buy or sell recommendation. PAID, Inc. develops digital tools for shipping logistics and tax compliance across the United States and Canada, serving e-commerce businesses, craft breweries, and small to medium-sized …
What does PAID, Inc. do?
PAID, Inc. specializes in developing digital tools for managing shipping logistics and tax compliance across the United States and Canada. Its core offerings include AuctionInc, a comprehensive suite for e-commerce functions like storefront management, shipping, and tax calculation; BeerRun, specialized software for craft breweries to manage operations and regulatory reporting; ShipTime, a platform for efficient shipping quotes, label generation, and tracking; and PaidPayments, which provides e-commerce solutions for small to medium-sized enterprises (SMEs) to market goods and accept secure payments.
How does PAID, Inc. differentiate its technology in the market?
PAID, Inc. differentiates its technology through a combination of integrated e-commerce solutions and highly specialized niche software. AuctionInc and PaidPayments offer SMEs a comprehensive, single-platform approach to online sales, payment processing, and inventory management, which can be more convenient than piecing together disparate systems.
What are the main risks for PAYD?
The main risks for PAID, Inc. (PAYD) are multifaceted. Financially, the company operates with a negative profit margin of -1.2%, indicating ongoing unprofitability that could challenge its long-term sustainability.
What is PAID, Inc.'s competitive position in the tech sector for logistics and compliance?
PAID, Inc. holds a niche-oriented competitive position within the broader tech sector for logistics and compliance. While it competes with larger, more generalized software providers, its strength lies in offering integrated solutions tailored for specific segments, particularly small to medium-sized enterprises (SMEs) and the craft brewing industry.
What are the key factors to evaluate for PAYD?
PAID, Inc. (PAYD) holds an AI score of 45/100 (low). (PAYD) operates in the technology sector, providing specialized software solutions for shipping logistics, tax compliance, and e-commerce. Not financial advice.
How frequently does PAYD data refresh on this page?
PAYD's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven PAYD's recent stock price performance?
PAID, Inc. (PAYD) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Diversified product portfolio addressing various business needs (e-commerce, brewing, shipping, payments). See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider PAYD overvalued or undervalued right now?
PAID, Inc. (PAYD) has no trailing P/E available here, so lean on price-to-sales and cash flow in the Financials tab. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.