PAID, Inc. (PAYD) Fair Value 2026

PAYD · Software - Application ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

6.7 /10

32 fundamental signals · 2 models active

Value Trap Risk

SAFE (12/100)

Quick Summary — As of 2026-08-27, PAID, Inc. (PAYD) trades at $2.39, versus a $2.57 median fair value across its 2 active models — 7.4% above the current price. QOC: 6.7/10. Value Trap Risk: 12/100 (SAFE). 2/13 models active.

Key Facts

Ticker
PAYD
Price
$2.39
Quality Score
6.7/10
Value Trap Risk
12/100
Models Active
2/13
Last Updated
Strength: Regime Cross-Sectional suggests +84.9% upside with 18% confidence
Risk: Limited model coverage (2/13) may reduce confidence

Is PAID, Inc. (PAYD) Undervalued or Overvalued in 2026?

According to CirclFi’s 2-model valuation engine, PAID, Inc. (PAYD) appears fairly valued as of : the median of 2 independent fair value estimates is $2.57, within 7.4% of the current price of $2.39. Estimates range from $0.71 to $4.42. PAYD scores 6.7/10 on fundamental quality and 12/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.7% versus its own 13-model consensus, across 3,801 rated companies as of 2026-08-27. PAYD’s +7.4% gap is narrower than that market norm, and the Software - Application sector median is -23.4%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy PAID, Inc. Stock in 2026? →

What Fair Value Does Each Model Give PAYD?

2 Intrinsic Value Models vs. Current Price ($2.39)

Core Models (Unlocked)
Model Fair Value Upside
Scenario · High Conviction
 $0.71 -70.1%
Relative · Low Conviction
 $4.42 +84.9%

All Models Active

All 2 models are displayed above.

What Is PAID, Inc. (PAYD) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, PAID, Inc. presents a highly debated valuation profile at its current price of $2.39. The median intrinsic value is estimated at $2.57 (+7.4% median upside), masking a wide model spread between the 1 bullish models and 1 bearish models. Model dispersion is worth noting: Regime Cross targets $4.42 (+84.9%), versus First Chicago at $0.71 (-70.1%). This +155.0% range highlights the importance of multi-model analysis rather than relying on any single methodology.

What Do the Models Say About PAYD?

2 of 13 models are currently active for PAYD. Of these, 1 model suggests upside while 1 model suggests overvaluation. Taken together, their median fair value for PAYD is $2.57 — the figure CirclFi publishes as this stock's fair value. See which stocks rank higher →

How Does PAYD Rank in Software - Application?

Among 256 Software - Application stocks, PAYD ranks #124 by Quality of Company score. CirclFi's QOC score of 6.7/10 evaluates 32 fundamental signals. A score of 6.7 indicates above-average quality.

See all Most Undervalued Software - Application Stocks →

PAID, Inc.'s positioning within the Software - Application segment means that customer acquisition cost (CAC) plays an outsized role in fundamental analysis. The sector's unique characteristics — including pricing power — shape both the opportunity set and risk profile.

Is PAYD a Value Trap?

CirclFi's Value Trap algorithm assigns PAYD a score of 12/100 (SAFE). This indicates minimal risk. Fundamentals are healthy. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

2 of 13 models are active for PAID, Inc.. Limited activation may indicate insufficient history. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, PAID, Inc. earns a quality score of 6.7/10. This respectable rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +155.0% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every PAYD valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across PAYD's 2 active models, average confidence is 38%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy PAID, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Software - Application Stocks Should You Also Analyze?

11 related Software - Application stocks with 13-model coverage

GRABGrab Holdings LimitedQOC 6.8LTCHLatch, Inc.QOC 6.7DSNYDestiny Media Technologies Inc.QOC 6.8LAWCS Disco, Inc.QOC 6.7DUOTDuos Technologies Group, Inc.QOC 6.8THRYThryv Holdings, Inc.QOC 6.7BBLRBubblr Inc.QOC 5.0LSPDLightspeed Commerce Inc.QOC 2.6OOMAOoma, Inc.QOC 8.3ADSKAutodesk, Inc.QOC 9.8PTCPTC Inc.QOC 9.8

Read investment analysis: GRAB · LTCH · DSNY · LAW · DUOT · THRY · BBLR · LSPD · OOMA · ADSK · PTC

Which Other Stocks Have a Similar Quality Score to PAYD?

7 companies across all industries closest to PAYD’s Quality of Company score of 6.7/10.

FKWLFranklin Wireless Corp.QOC 6.7ASXASE Technology Holding Co., Ltd.QOC 6.7AEGAegon Ltd.QOC 6.7BTBDBT Brands, Inc.QOC 6.7SCMStellus Capital Investment CorporationQOC 6.7CLVTClarivate PlcQOC 6.7NVDANVIDIA CorporationQOC 10.0

Read investment analysis: FKWL · ASX · AEG · BTBD · SCM · CLVT · NVDA

Where Does PAYD Sit in CirclFi's Software - Application Rankings?

PAYD is ranked against every other Software - Application stock CirclFi covers in each of these screens.

See all Software - Application stocks ranked →

What Else Do Investors Ask About PAID, Inc.’s Valuation?

What is PAID, Inc.'s intrinsic value in 2026?

CirclFi puts PAID, Inc. (PAYD)'s intrinsic value at $2.57 — the median of 2 independent model estimates as of 2026-08-27, ranging from $0.71 to $4.42. The Quality of Company score is 6.7/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is PAYD overvalued or undervalued right now?

At $2.39, 1 of 2 active models suggest PAYD may be undervalued, while 1 indicate potential overvaluation. The median of all 2 fair value estimates is $2.57, within 7.4% of the current price of $2.39 — a consensus view that PAYD is fairly valued. The assessment depends on which methodology best fits PAID, Inc.'s business model in Software - Application.

What does a Quality of Company score of 6.7 mean for PAYD?

PAID, Inc.'s QOC of 6.7/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores between 5-7 reflect moderate fundamentals with areas for improvement.

How many valuation models does CirclFi run on PAYD?

CirclFi analyzes PAYD with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 2 of 13 are active for this stock. Read the full methodology →

Is PAYD a value trap in 2026?

PAID, Inc.'s Value Trap score is 12/100 (SAFE). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap. Browse stocks by value-trap risk →

Cite this analysis — “According to CirclFi’s 2-model valuation engine, PAID, Inc. (PAYD) has a median fair value of $2.57 — within 7.4% of the current price of $2.39 — as of 2026-08-27.” Source: circlfi.com/stock/PAYD/ · Methodology
Primary sources for this PAYD valuation
  • Financial statements: PAID, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001017655) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for PAYD as of ; valuations recomputed .