Does PAID INC have an economic moat?

Based on its FY2025 SEC filings, the Moat Index scores PAID INC (PAYD) 19.7 out of 100 — below the Shallow-moat bar, so no moat. The four filters behind that score (each 0–100): pricing power 13, returns on capital 0, balance-sheet safety 55, capital discipline 24.

Is PAYD stock trading below its intrinsic value?

Against a deliberately conservative owner-earnings model (9% discount rate, 0% assumed growth, capped at 4%), estimated intrinsic value is $0.88 per share versus a recent price of $2.48 — 182% above value. This is an educational estimate computed from primary SEC filings, not investment advice.

How has PAYD's Moat Score changed over time?

The record logs 2 readings since Jul 17, 2026; the latest reads 19.7 out of 100 (no moat). No tier changes on record yet. The history is append-only — readings are only ever added, never rewritten.

The Moat Index

PAID INC

PAYD · Technology · $20.8M mkt cap · FY2025 filings · No moat ·

Doesn't clear the bar

No moat

The four filters

Pricing power13

Median gross margin 23.4% over 10y, variable.

Returns on capital0

Median ROIC -18.8%, above the 9% hurdle in 0% of years.

Balance-sheet safety55

Net cash position — no leverage risk.

Capital discipline24

Owner earnings trend unclear, share count growing (dilution).

Margin of safety

Above valueOn sale

182% above value

Owner earnings (normalized): $663186
Est. intrinsic value / share: $0.88
Recent price: $2.48
Discount to value: 182% above value

Conservative model: 9% discount rate, 0% assumed growth (capped at 4%), maintenance capex ≈ min(capex, D&A).

Fundamentals

There's no normalized fundamentals series for PAYD yet — it appears once ingest has processed its filings.

Moat Score history

Moat Score over timeLast scored reading of each day, on the 0–100 scale19.7 / 100

Score history begins Jul 17, 2026 — the record builds from here and can’t be backfilled.

Tier changesSame-methodology crossings of the Wide / Narrow / Shallow bars

None yet — PAYD has read No moat for every logged capture since Jul 17, 2026.

Scores are logged append-only and never overwritten — this record can’t be backfilled, which is exactly why it’s worth keeping.

Technology context

#493 of 532 scored Technology companies, ranked by Moat Score.

Nearest peers by Moat Score

#491GWH ESS Tech, Inc.19.8 out of 100, No moatNo moat
#492NSYS NORTECH SYSTEMS INCORPORATED19.7 out of 100, No moatNo moat
#494CYN CYNGN INC.19.7 out of 100, No moatNo moat
#495BMTM Bright Mountain Media, Inc.19.2 out of 100, No moatNo moat

Compare PAYD with its nearest peers →All Technology companies on the Index →

Common questions about PAYD

Does PAID INC have an economic moat?: Based on its FY2025 SEC filings, the Moat Index scores PAID INC (PAYD) 19.7 out of 100 — below the Shallow-moat bar, so no moat. The four filters behind that score (each 0–100): pricing power 13, returns on capital 0, balance-sheet safety 55, capital discipline 24.
Is PAYD stock trading below its intrinsic value?: Against a deliberately conservative owner-earnings model (9% discount rate, 0% assumed growth, capped at 4%), estimated intrinsic value is $0.88 per share versus a recent price of $2.48 — 182% above value. This is an educational estimate computed from primary SEC filings, not investment advice.
How has PAYD's Moat Score changed over time?: The record logs 2 readings since Jul 17, 2026; the latest reads 19.7 out of 100 (no moat). No tier changes on record yet. The history is append-only — readings are only ever added, never rewritten.

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Scored from primary SEC filings via the public methodology. Educational only — not a recommendation to buy or sell PAYD. See the disclaimer.