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PLAID,Inc. PLDIF

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Price alert · PLDIF

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4.73 USD 0.00 (+0.00%)

At closeNov 2, 2026, 4:00 PM EST

3.15 Day range 3.15
3.15 52-week range 6.32
YTD
-8.16%
1 year
-25.16%

Financial health

Altman Z-Score

3.94 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

6 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B-3 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 3
  • Debt / Equity 1
  • P/E 1
  • P/B 2

Valuation

P/E 42.5×
FY 2018: -344×FY 2019: -89.4×FY 2020: -59.2×FY 2021: -733×FY 2022: -29.4×FY 2023: -12.4×FY 2024: 92.2×FY 2025: 42.5×
FY 2018 5y median -12.4× FY 2025
P/S 3.5×
FY 2018: 49.7×FY 2019: 25.6×FY 2020: 17.8×FY 2021: 14.3×FY 2022: 3.8×FY 2023: 3.0×FY 2024: 2.7×FY 2025: 3.5×
FY 2018 5y median 3.5× FY 2025
P/B 9.8×
FY 2018: 41.1×FY 2019: 63.3×FY 2020: 44.6×FY 2021: 16.1×FY 2022: 6.8×FY 2023: 10.0×FY 2024: 9.4×FY 2025: 9.8×
FY 2018 5y median 9.8× FY 2025
P/FCF 36.7×
FY 2018: -320×FY 2019: -118×FY 2020: -66.5×FY 2021: 200×FY 2022: -31.0×FY 2023: -70.2×FY 2024: 35.1×FY 2025: 36.7×
FY 2018 5y median 35.1× FY 2025
EV/EBITDA 28.8×
FY 2018: -394×FY 2019: -95.8×FY 2020: -60.2×FY 2021: -1181×FY 2022: -32.1×FY 2023: -12.6×FY 2024: 183×FY 2025: 28.8×
FY 2018 5y median -12.6× FY 2025
EV/Sales 3.1×
FY 2018: 48.7×FY 2019: 25.3×FY 2020: 17.5×FY 2021: 13.8×FY 2022: 3.4×FY 2023: 2.7×FY 2024: 2.4×FY 2025: 3.1×
FY 2018 5y median 3.1× FY 2025
FCF Yield 2.7%
FY 2018: -0.3%FY 2019: -0.8%FY 2020: -1.5%FY 2021: 0.5%FY 2022: -3.2%FY 2023: -1.4%FY 2024: 2.9%FY 2025: 2.7%
FY 2018 5y median 0.5% FY 2025

Profitability

Gross Margin 73.1%
FY 2018: 75.4%FY 2019: 73.0%FY 2020: 71.2%FY 2021: 73.3%FY 2022: 73.6%FY 2023: 72.2%FY 2024: 71.6%FY 2025: 73.1%
FY 2018 5y median 73.1% FY 2025
Operating Margin 10.7%
FY 2018: -12.5%FY 2019: -18.2%FY 2020: -26.9%FY 2021: 3.1%FY 2022: -12.1%FY 2023: -10.2%FY 2024: 2.4%FY 2025: 10.7%
FY 2018 5y median 2.4% FY 2025
Net Margin 8.2%
FY 2018: -14.4%FY 2019: -28.6%FY 2020: -30.1%FY 2021: -2.0%FY 2022: -12.8%FY 2023: -24.4%FY 2024: 2.9%FY 2025: 8.2%
FY 2018 5y median -2.0% FY 2025
ROE 23.0%
FY 2018: -11.9%FY 2019: -70.7%FY 2020: -75.3%FY 2021: -2.2%FY 2022: -22.9%FY 2023: -81.1%FY 2024: 10.2%FY 2025: 23.0%
FY 2018 5y median -2.2% FY 2025
ROIC 17.8%
FY 2018: -7.7%FY 2019: -31.5%FY 2020: -43.1%FY 2021: 2.9%FY 2022: -14.9%FY 2023: -21.3%FY 2024: 5.8%FY 2025: 17.8%
FY 2018 5y median 2.9% FY 2025
ROA 11.4%
FY 2018: -7.8%FY 2019: -38.2%FY 2020: -39.3%FY 2021: -1.5%FY 2022: -13.1%FY 2023: -33.9%FY 2024: 4.4%FY 2025: 11.4%
FY 2018 5y median -1.5% FY 2025

Growth (YoY)

Revenue 21.9%
FY 2018: 0.0%FY 2019: 84.1%FY 2020: 36.4%FY 2021: 35.9%FY 2022: 34.0%FY 2023: 18.3%FY 2024: 27.3%FY 2025: 21.9%
FY 2018 FY 2025
Operating Income 448.8%
FY 2018: 0.0%FY 2019: -166.9%FY 2020: -102.0%FY 2021: 115.8%FY 2022: -617.3%FY 2023: 0.1%FY 2024: 129.6%FY 2025: 448.8%
FY 2018 FY 2025
EPS (diluted) 239.2%
FY 2018: 0.0%FY 2019: -265.5%FY 2020: -47.2%FY 2021: 91.5%FY 2022: -749.7%FY 2023: -121.9%FY 2024: 114.6%FY 2025: 239.2%
FY 2018 FY 2025
Free Cash Flow 50.8%
FY 2018: 0.0%FY 2019: -157.7%FY 2020: -68.4%FY 2021: 136.4%FY 2022: -325.9%FY 2023: 57.9%FY 2024: 326.7%FY 2025: 50.8%
FY 2018 FY 2025

Financial Health

Current Ratio 2.3×
FY 2018: 4.7×FY 2019: 3.1×FY 2020: 2.4×FY 2021: 3.0×FY 2022: 2.7×FY 2023: 2.2×FY 2024: 1.7×FY 2025: 2.3×
FY 2018 5y median 2.3× FY 2025
Quick Ratio 2.3×
FY 2018: 4.7×FY 2019: 2.8×FY 2020: 2.4×FY 2021: 3.0×FY 2022: 2.7×FY 2023: 2.2×FY 2024: 1.7×FY 2025: 2.3×
FY 2018 5y median 2.3× FY 2025
Debt / Equity 0.4×
FY 2018: 0.3×FY 2019: 0.4×FY 2020: 0.6×FY 2021: 0.2×FY 2022: 0.5×FY 2023: 0.5×FY 2024: 0.4×FY 2025: 0.4×
FY 2018 5y median 0.4× FY 2025
Net Debt / EBITDA -3.3×
FY 2018: 7.6×FY 2019: 1.1×FY 2020: 1.0×FY 2021: 51.3×FY 2022: 3.1×FY 2023: 1.3×FY 2024: -24.0×FY 2025: -3.3×
FY 2018 5y median 1.3× FY 2025
Interest Coverage 60.5×
FY 2018: -31.6×FY 2019: -52.8×FY 2020: -98.8×FY 2021: 12.6×FY 2022: -32.1×FY 2023: -43.1×FY 2024: 12.4×FY 2025: 60.5×
FY 2018 5y median 12.4× FY 2025

Dividends

Dividend Yield 0.0%
FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2018 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2018 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-09-30