PLAID,Inc.
PLAID,Inc. Fundamental Analysis
PLAID,Inc. (PLDIF) shows moderate financial fundamentals with a PE ratio of 28.24, profit margin of 8.95%, and ROE of 30.37%. The company generates $12.7B in annual revenue with strong year-over-year growth of 21.87%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 74.4/100 based on profitability, valuation, growth, and balance sheet metrics. The B grade reflects solid fundamentals with room for improvement in valuation or growth.
Fundamental Health Score
We analyze PLDIF's fundamental strength across five key dimensions:
Efficiency Score
ExcellentPLDIF demonstrates superior asset utilization.
Valuation Score
ModeratePLDIF shows balanced valuation metrics.
Growth Score
ModeratePLDIF shows steady but slowing expansion.
Financial Health Score
ExcellentPLDIF maintains a strong and stable balance sheet.
Profitability Score
WeakPLDIF struggles to sustain strong margins.
Key Financial Metrics
Is PLDIF Expensive or Cheap?
P/E Ratio
PLDIF trades at 28.24 times earnings. This indicates a fair valuation.
PEG Ratio
When adjusting for growth, PLDIF's PEG of 0.01 indicates potential undervaluation.
Price to Book
The market values PLAID,Inc. at 7.27 times its book value. This suggests the stock is fully valued or overvalued on an asset basis.
EV/EBITDA
Enterprise value stands at 25.16 times EBITDA. This signals the market has high growth expectations.
How Well Does PLDIF Make Money?
Net Profit Margin
For every $100 in sales, PLAID,Inc. keeps $8.95 as profit after all expenses.
Operating Margin
Core operations generate 10.47 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $30.37 in profit for every $100 of shareholder equity.
ROA
PLAID,Inc. generates $13.42 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
PLAID,Inc. generates limited operating cash flow of $0.00, signaling weaker underlying cash strength.
Free Cash Flow
PLAID,Inc. generates weak or negative free cash flow of $0.00, restricting financial flexibility.
FCF Per Share
Each share generates $0.00 in free cash annually.
FCF Yield
PLDIF converts 0.00% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
28.24
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
0.007
vs 25 benchmark
P/B Ratio
Price to book value ratio
7.27
vs 25 benchmark
P/S Ratio
Price to sales ratio
2.51
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.23
vs 25 benchmark
Current Ratio
Current assets to current liabilities
2.04
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.30
vs 25 benchmark
ROA
Return on assets percentage
0.13
vs 25 benchmark
ROCE
Return on capital employed
0.28
vs 25 benchmark
How PLDIF Stacks Against Its Sector Peers
| Metric | PLDIF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 28.24 | 35.87 | Better (Cheaper) |
| ROE | 30.37% | 1175.00% | Weak |
| Net Margin | 8.95% | -136937.00% (disorted) | Weak |
| Debt/Equity | 0.23 | 0.45 | Strong (Low Leverage) |
| Current Ratio | 2.04 | 4.81 | Strong Liquidity |
| ROA | 13.42% | -312685.00% (disorted) | Strong |
PLDIF outperforms its industry in 4 out of 6 key metrics, particularly excelling in ROA, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews PLAID,Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
203.09%
Industry Style: Growth, Innovation, High Beta
High GrowthEPS CAGR
182.54%
Industry Style: Growth, Innovation, High Beta
High GrowthFCF CAGR
223.25%
Industry Style: Growth, Innovation, High Beta
High Growth