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No institutional (13F) filings cover this company, so the Overview and 13F tabs are thin. Everything drawn from its SEC filings is here.
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Solve the discounted cash flow backwards, then stress-test the assumptions.
To be worth $2.30 today, the market must believe free cash flow compounds 21.2%/yr for a decade (off $338317 normalized FCF).
2-stage DCF · 0.01B shares · net debt -$1M
mean -24.0% · volatility σ 77% · implied rate exceeded in 1/5 yrs
Central path = implied 21.2%/yr growth; shaded band = ±1σ (77%) of this company's historical FCF volatility, widening with time. The wider the band, the less certain the growth.
Reverse DCF: rather than guessing a fair value, we solve for the growth the current price implies, then you stress-test the assumptions. Enterprise value of the FCF stream, less net debt, ÷ shares. Educational — not a recommendation.
EOD close · as of 2026-09-17
How a revenue dollar becomes profit — FY2025
Each value shows its share of revenue below it (common-size).
| Line Item | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 | FY2020 | FY2019 | FY2018 | FY2017 | FY2016 |
|---|---|---|---|---|---|---|---|---|---|---|
| Revenue | $20.7M 100.0% | $18.6M 100.0% | $16.6M 100.0% | $16.6M 100.0% | $14.9M 100.0% | $12.9M 100.0% | $10.5M 100.0% | $9.3M 100.0% | $7.6M 100.0% | $524K 100.0% |
| Cost of Revenue | $16.1M 77.6% | $14.5M 78.1% | $12.8M 77.1% | $12.9M 77.8% | $11.4M 76.8% | $9.8M 75.9% | $7.8M 74.0% | $7.1M 76.3% | $5.4M 71.3% | $24K 4.7% |
| Gross Profit | $4.6M 22.4% | $4.1M 21.9% | $3.8M 22.9% | $3.7M 22.2% | $3.5M 23.2% | $3.1M 24.1% | $2.7M 26.0% | $2.2M 23.7% | $1.9M 24.9% | $471K 90.0% |
| Selling, General & Admin | $1.7M 8.4% | $2.0M 10.6% | $1.4M 8.4% | $1.2M 7.4% | $1.0M 7.0% | $801K 6.2% | $1.1M 10.8% | $1.4M 15.1% | $1.3M 16.9% | $315K 60.2% |
| Total Operating Expenses | $5.3M 25.6% | $4.6M 24.6% | $4.4M 26.4% | $3.6M 21.9% | $3.9M 26.5% | $5.2M 40.6% | $3.5M 32.8% | $13.8M 149.6% | $2.6M 34.0% | $926K 176.8% |
| Operating Income | -$655K -3.2% | -$493K -2.7% | -$588K -3.5% | $59K 0.4% | -$491K -3.3% | -$2.1M -16.5% | -$712K -6.8% | -$11.7M -126.0% | -$691K -9.1% | -$455K -86.8% |
| Interest & Investment Income | $36K 0.2% | $175K 0.9% | $203K 1.2% | $0 0.0% | — | — | — | — | — | — |
| Other Income (Expense), net | $51K 0.2% | $1.2M 6.5% | $849K 5.1% | $137K 0.8% | — | $21K 0.2% | $992K 9.4% | $61K 0.7% | -$2K -0.0% | $108K 20.5% |
| Pretax Income | -$604K -2.9% | $723K 3.9% | $261K 1.6% | $196K 1.2% | -$491K -3.3% | -$2.1M -16.3% | $280K 2.7% | -$11.6M -125.3% | -$693K -9.2% | -$347K -66.3% |
| Income Tax Expense | -$236K -1.1% | -$41K -0.2% | -$92K -0.6% | -$456K -2.8% | $206K 1.4% | $122K 0.9% | -$2K -0.0% | -$63K -0.7% | -$76K -1.0% | $456 0.1% |
| Net Income | -$368K -1.8% | $764K 4.1% | $353K 2.1% | $652K 3.9% | -$697K -4.7% | -$2.2M -17.3% | $282K 2.7% | -$11.5M -124.6% | -$617K -8.1% | -$348K -66.4% |
| Per Share | ||||||||||
| EPS (Basic) | $-0.04 | $0.09 | $0.04 | $0.08 | $-0.09 | $-0.41 | $0.06 | $-7.06 | — | — |
| EPS (Diluted) | $-0.04 | $0.09 | $0.04 | $0.08 | $-0.09 | $-0.41 | $0.05 | $-7.06 | — | — |
| Weighted Avg Shares (Basic) | 8.4M | 8.1M | 7.9M | 7.8M | 7.4M | 5.5M | 1.6M | 1.6M | — | — |
| Weighted Avg Shares (Diluted) | 8.4M | 8.1M | 7.9M | 7.8M | 7.4M | 5.5M | 1.7M | 1.6M | — | — |
Source: SEC EDGAR XBRL filings (annual, fiscal year). Quarterly flow items are derived from cumulative filings; balance-sheet figures are as-of each period end. Ratios and margins are computed, not reported.
Is the value real, and is the business safe? Academic scores + earnings quality + solvency, from SEC filings.
4/8 of the 9 checks — 1 couldn't be scored (see above), so the score is out of the 8 with data.
Safe > 2.99 · grey 1.81–2.99 · distress < 1.81
Eight indices comparing this year to last (receivables, margins, asset quality, growth, accruals, leverage). Above −1.78 suggests possible manipulation; below −2.22 is clean.
A screen, not proof — high growth alone can raise it.
Cash-conversion data unavailable. Lower/negative accruals = higher quality (Sloan).
Coverage data unavailable.
F-Score (0–9 fundamental momentum), Altman Z (distress risk), and Beneish M (earnings-manipulation screen) are academic models computed from the SEC filings. Screens and context — educational, not recommendations.
What the company returns to shareholders — and whether it's covered by cash.
No dividend to cover. Last year: $0 dividends + $0 buybacks = $0 returned on -$55640 FCF.
Yields use the latest fiscal-year dividends/buybacks over current market cap. Dividends and buybacks from the SEC cash-flow statement; payout coverage vs net income and free cash flow. Educational — not a recommendation.
How management deployed cash over 10 years — and what it earned on reinvestment.
A cash-return story — far more went to shareholders than back into the business (mature, low-reinvestment).
Operating income fell despite reinvestment — a warning on capital productivity. Current ROIC on all capital: -7%. Rough measure (includes maintenance capex).
Cash uses aggregated from the SEC cash-flow statement over 10 fiscal years. "Return on reinvestment" is a rough proxy — operating-income change ÷ cumulative CapEx + M&A — and includes maintenance capex. Educational — not a recommendation.
How much the company owes, how it's trended, and how comfortably it's serviced.
Insufficient EBITDA/debt history.
Green ≤ 1.5× · amber ≤ 3× · red > 3× (leverage relative to cash earnings).
Interest expense isn't separately reported — often netted into “other income (expense), net.”
Cash vs short-term debt unavailable.
Short-term / long-term split not separately reported.
Debt, cash, interest and equity from the SEC balance sheet & income statement. Effective rate = interest ÷ average debt. Educational — not a recommendation.
Ranked against 743 sector peers with collected financials. Valuation from latest close × latest fiscal-year fundamentals; 13F conviction as of 2026-03-31.
Percentile is “goodness” within the peer set (100 = best). For valuation and leverage that means cheaper / less-levered ranks higher.
| Company | Mkt cap ▼ | P/E | EV/EBITDA | P/S | Rev gr | Gross | Net | ROE | ROIC | Net D/EBITDA | 13F |
|---|---|---|---|---|---|---|---|---|---|---|---|
| TSM | $10.83T | — | — | — | — | — | — | — | — | — | 3,121 |
| NVDA | $5.20T | 43.6× | 39.0× | 24.1× | 65.5% | 71.1% | 55.6% | 76.3% | 72.4% | 0.1× | 5,582 |
| AAPL | $4.91T | 44.6× | 34.3× | 11.8× | 6.4% | 46.9% | 26.9% | 152% | 68.1% | 0.6× | 5,858 |
| MSFT | $3.64T | 27.3× | 19.3× | 11.0× | 17.8% | 67.9% | 40.3% | 30.2% | 27.7% | 0.2× | 5,944 |
| AVGO | $1.61T | 71.2× | 63.6× | 25.2× | 23.9% | 67.8% | 36.2% | 28.4% | 15.8% | 2.5× | 4,442 |
| MU | $1.04T | 122.1× | 57.5× | 27.8× | 48.9% | 39.8% | 22.8% | 15.8% | 12.9% | 0.7× | 2,894 |
| AMD | $835.4B | 193.4× | 197.6× | 24.1× | 34.3% | 49.5% | 12.5% | 6.9% | 6.5% | 0.8× | 3,059 |
| INTC | $504.6B | — | 62.9× | 9.6× | -0.5% | 34.8% | -0.5% | -0.2% | -0.2% | 5.5× | 2,495 |
| CSCO | $426.7B | 42.3× | 35.8× | 7.5× | 5.3% | 64.9% | 18.0% | 21.7% | 13.6% | 2.3× | 3,560 |
| PLTR | $416.9B | 276.7× | 288.5× | 93.2× | 56.2% | 82.4% | 36.3% | 22.0% | 22.0% | — | 2,883 |
| DELL | $367.3B | 64.9× | 34.6× | 3.2× | 18.8% | 20.0% | 5.2% | -240% | 20.4% | 2.8× | 1,564 |
| LRCX | $341.6B | 64.9× | 54.5× | 18.5× | 23.7% | 48.7% | 29.1% | 54.3% | 37.4% | 0.7× | 2,500 |
| AMAT | $329.4B | 48.0× | 37.9× | 11.6× | 4.4% | 48.7% | 24.7% | 34.3% | 25.9% | 0.8× | 2,826 |
| RPAY | $325.1B | — | — | 1051.3× | -1.2% | 75.0% | -83.0% | -53.0% | -28.2% | -1.7× | 142 |
| UMC | $283.0B | — | — | — | — | — | — | — | — | — | 302 |
| SAP | $261.9B | — | — | — | — | — | — | — | — | — | 794 |
| ARM | $259.6B | 287.0× | 223.6× | 52.8× | 22.8% | 97.5% | 18.4% | 10.9% | 10.9% | — | 730 |
| PANW | $250.9B | 234.8× | 156.8× | 27.2× | 14.9% | 73.4% | 12.3% | 14.5% | 14.5% | — | 2,374 |
| ANET | $248.2B | 71.8× | 62.7× | 27.6× | 28.6% | 64.1% | 39.0% | 28.4% | 28.4% | — | 1,930 |
| TXN | $236.9B | 47.8× | 31.2× | 13.4× | 13.0% | 57.0% | 28.3% | 30.7% | 16.5% | 1.8× | 2,345 |
| CRM | $232.8B | 32.1× | 25.2× | 5.6× | 9.6% | 77.7% | 18.0% | 12.6% | 10.1% | 1.5× | 2,547 |
| IBM | $222.5B | 21.3× | — | 3.3× | 7.6% | 58.2% | 15.7% | 32.4% | 11.3% | — | 3,351 |
| SNDK | $221.9B | — | — | 30.2× | 10.4% | 30.1% | -22.3% | -17.8% | -14.8% | -1.5× | 1,127 |
| QCOM | $198.5B | 36.9× | 14.9× | 4.5× | 13.7% | 55.4% | 12.5% | 26.1% | 15.4% | 1.1× | 2,611 |
| MRVL | $194.6B | 74.8× | 127.2× | 23.8× | 42.1% | 51.0% | 32.6% | 18.7% | 14.2% | 2.9× | 1,477 |
| PAYD | $21M | — | — | 1.0× | 11.4% | 22.4% | -1.8% | -6.6% | -6.6% | — | — |
Peers = companies sharing PAYD's sector (Technology) with collected SEC financials. Multiples use the most recent end-of-day close and latest fiscal-year fundamentals (trailing, not forward). Missing cells mean the peer never reported that line item, has no collected price, or has a non-positive denominator. Not investment advice.
EOD close · as of 2026-09-17
Where each multiple sits in its own 14-yr range · 41th pct blended
Dot = today · shaded = middle 50% · line = median. Lower percentile = cheaper vs its own 14-yr history.
Is the profit real, and how strong is the balance sheet?
FY2025 · every deduction from revenue to net income
DuPont — the three levers
Watch the leverage lever — a chunk of ROE comes from the balance sheet.
What the company owes vs. what it holds
Year-by-year maturities aren't in SEC companyfacts (footnote-only), so this shows the debt/cash structure and net leverage instead.
Latest year: profit growth vs revenue growth
High operating leverage: profit moved 2.9× as fast as sales — great in an upturn, painful in a downturn.
Each line as % of revenue — the trend in color
| % of revenue | FY2018 | FY2019 | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|---|---|
| Cost of Revenue | 76.3 | 74.0 | 75.9 | 76.8 | 77.8 | 77.1 | 78.1 | 77.6 |
| Gross Profit | 23.7 | 26.0 | 24.1 | 23.2 | 22.2 | 22.9 | 21.9 | 22.4 |
| SG&A | 15.1 | 10.8 | 6.2 | 7.0 | 7.4 | 8.4 | 10.6 | 8.4 |
| Operating Income | -126.0 | -6.8 | -16.5 | -3.3 | 0.4 | -3.5 | -2.7 | -3.2 |
| Income Tax | -0.7 | -0.0 | 0.9 | 1.4 | -2.8 | -0.6 | -0.2 | -1.1 |
| Net Income | -124.6 | 2.7 | -17.3 | -4.7 | 3.9 | 2.1 | 4.1 | -1.8 |
Green = margin-favorable vs the row's own range · red = unfavorable.
The metrics that matter, over time
A 30-second read on PAYD: price, valuation, headline fundamentals, and an auto-generated scorecard from SEC filings. Flags are rule-based signals, not recommendations.
Total return (dividends reinvested) vs the market, from quarter-end prices.
Above 0 = ahead of the S&P 500 since the window start; below 0 = behind. Rising means it's pulling ahead.
How far the stock fell below its prior peak. Deeper, longer drawdowns = a rougher ride to the same return.
Quarter-end, dividend-adjusted (total return). Beta & volatility from quarterly returns (annualized). Benchmark is the S&P 500 (SPY total return). Annual returns compound the quarters ending in each calendar year; the first and last years in a window may be partial. Past performance doesn't predict future results.