← BackPAID INC · Business Services, NECPAYD
Moderate riskNext report: Not enough history
The short versionA company still losing money with steady sales.
Going well
- Sales up 11% last year
- No debt reported
Watch out for
- Losing money
- Bills due within a year exceed short-term assets
Money moves
- No insider buying or selling in the last 30 days
Facts from SEC filings, not a recommendation.
The business over time
Last 12 quarters, from SEC filings
Sales, Jun '26$5.9M+8.1% vs a year earlier
Sep '23Tap a barJun '26
Last 12 months: $22.1M, up 13% from the 12 months before. Over 5 years, sales grew about 9.9% a year.
Business quality
The checklist Warren Buffett-style investors use. Annual numbers for 2025.- MissReturn on equity 15%+Earns a lot on the money owners have in the business.-7.0%
- PassDebt under half of equityNot relying on borrowed money.No debt reported
- MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.-1.8%
- MissProfitable every yearSteady profits, not one good year.4 of 10 years
- MissFree cash flow positiveBrings in more cash than it spends to run and grow.-$56K
- MissShare count not growingNot diluting owners. Falling means buybacks.+8.2% in 3 years
- MissGross margin 40%+Pricing power: sells for well above what it costs to make.22.4%
- Revenue
- $20.7M
- +11.4% vs prior year
- 5-year growth
- +9.9%/yr
- revenue, per year
- Total debt
- None
- 0.00x equity
- Current ratio
- 0.85x
- short-term assets / bills due
From annual reports filed with the SEC. A checklist is a starting point for research, not a verdict.
Latest quarter
Quarter ended Jun 30, 2026- Revenue
- $5.9M
- +8.1% YoY
- EPS
- $0.00
- vs -$0.05
- Op. margin
- -0.4%
- +7.1 pts
- Gross margin
- 20.9%
- -1.2 pts
- Free cash flow
- $217K
- Share count
- +2.1%
- vs a year ago
Insider rating
Last 90 days
No open-market insider buys or sells in the last 90 days.
Weekly insider trendNo trades to chart yet.
Filing buzz
Last 7 days vs normal
0/ 100
- This week
- 0
- Normal week
- 0.2
- vs normal
- 0.0x
SEC filings of any kind. 50 means a normal week.
Share count growthYearly rate, last 3 years
+1.9%Cash runwayAt last year's cash burn
243 monthsDebt to equityLatest balance sheet: debt compared with what owners have
No debt reportedShares outstandingLatest reported
8MWhy moderate risk- Losing money
- Bills due within a year exceed short-term assets
Next reportNot enough history
Flags and big holders
Offerings 6 months, flags 12 months, holders 90 days
No offerings, red flags or new big holders. Clean record.
Insider trades
Open-market buys and sells, last 90 days
No open-market buys or sells in 90 days. Grants and option exercises are left out.
"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.
Latest filings
Straight from SEC EDGAR
Stock awardDavid Daniel ScottCOO
5,329 shares at $2.40 · $13K
- +8% of holdings
- Now owns 73,226 shares
- Filed 5 days after trade
Stock awardWilliam Austin Iv LewisCEO, CFO, 10% owner
37,072 shares at $2.40 · $89K
- +1% of holdings
- Now owns 3,671,125 shares
- Held Lewis Asst Mgmt Corp
- Filed 1 day after trade
Returned to companyJohn Victor SmithInsider
82,000 shares at $1.57 · $129K
- +11% of holdings
- Now owns 805,100 shares
- Filed 30 days after trade
Stock awardWilliam Austin Iv LewisCEO, CFO, 10% owner
33,164 shares at $3.03 · $100K
- +1% of holdings
- Now owns 3,347,022 shares
- Held Lewis Asset Mgmt Corp
- Filed 64 days after trade