Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.
PaidPAYD -2.44%58 Debt-to-EBITDA is 0.32 as of Jun. 2026. GuruFocus rates PAYD with a GF Score™ of 58/100 and a GF Value™ of $2.55 (Fairly Valued). The stock has 3 warning signs investors should review. Among 1,736 Software companies, Paid ranks better than 55.47% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Paid's Debt-to-EBITDA or its related term are showing as below:
PAYD'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -0.92 Med: -0.06 Max: 1.11
Current: 0.77
During the past 13 years, the highest Debt-to-EBITDA Ratio of Paid was 1.11. The lowest was -0.92. And the median was -0.06.
PAYD's Debt-to-EBITDA is ranked better than 55.47% of 1736
companies
in the Software industry
Industry Median: 0.98
vs PAYD: 0.77
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Paid Debt-to-EBITDA Related Terms
Paid Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Paid's Debt-to-EBITDA can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
PAYD vs ILLR, MNDO, BMR: Debt-to-EBITDA Comparison
For the Software - Application subindustry, Paid's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
Paid Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, Paid's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Paid's Debt-to-EBITDA falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (Jun. 2026) EBITDA data.
Paid (PAYD) has a Debt-to-EBITDA of 0.32 as of Jun. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Paid. According to the industry distribution chart, Paid ranks #773 out of 1736 companies in the Software industry, placing it in the top 44.5%.
Is Paid's Debt-to-EBITDA too high?
Paid's current Debt-to-EBITDA is 0.32. The Software industry median Debt-to-EBITDA is 0.98. Paid's value of 0.32 is 67.3% below this industry median. Based on the distribution chart, Paid ranks #773 out of 1736 companies in the Software industry, which is above the industry midpoint. Overall, Paid has a GF Score™ of 58/100 and is considered Fairly Valued, reflecting its overall financial health beyond just this single metric.
How does Paid's Debt-to-EBITDA compare to ILLR and MNDO?
According to the Software industry distribution chart, Paid ranks #773 out of 1736 companies for Debt-to-EBITDA. This puts Paid in the upper half of its industry. The industry median Debt-to-EBITDA is 0.98. Paid's value of 0.32 is 67.3% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 0.98, based on 1,736 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Paid's current Debt-to-EBITDA of 0.32 is 67.3% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Paid. For the Software industry, the median Debt-to-EBITDA is 0.98 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Paid's current Debt-to-EBITDA is 0.32. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Paid stock overvalued right now?
Based on GuruFocus' analysis, Paid (PAYD) is currently considered Fairly Valued. The stock's GF Value™ is $2.55, compared to a current price of $2.40 — trading 5.9% below its estimated fair value. The current Debt-to-EBITDA is 0.32 and 67.3% below the Software industry median of 0.98. Paid's overall GF Score™ is 58/100 with 3 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Paid (PAYD), the current Debt-to-EBITDA is 0.32 as of Jun. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is Paid (PAYD) Overvalued in 2026?
Based on GuruFocus' analysis, Paid stock appears to be undervalued.
The current stock price of $2.40 is trading 5.9% below its estimated GF Value™ of $2.55.
GuruFocus considers Paid to be Fairly Valued.
Key valuation signals for PAYD:
Debt-to-EBITDA: 0.32
GF Value™: $2.55 vs. price of $2.40 (5.9% below fair value)
Industry Position: 67.3% below the Software median (#773 of 1736)
No single metric tells the full story. See the PAYD stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
Paid Inc has developed a full line of SaaS-based business services, including PaidPayments, PaidCart, PaidShipping, and PaidWeb. These solutions are developed to provide businesses with a streamlined experience for website creation, online sales, payment collection, and shipping all in one platform. It operates in four segments: Client services, eCommerce services, Shipping coordination and label generation services, and Corporate operations. The majority of its revenue comes from its Shipping coordination & label generation services segment. Its geographical segments are Canada and the United States, of which the majority of its revenue comes from Canada.
58GF Score
Get the complete analysis for PAYD
Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
PAYD has been successfully added to your 
