Technology
UPAY, Inc.(UPYY)
Live Price
Offline$0.90
+0.00% today
1Y Change
+28.57%
Window
Jun 20, 2025 โ May 29, 2026
- Market Cap
- $15.75M
- Revenue Growth
- -48.7%
- EPS Growth
- +23.6%
- Dividend Yield
- 0.0%
Coverage: 237 bars ยท Jun 20, 2025 โ May 29, 2026
Research Briefing
A compact read on the setup, peer context, quarterly changes, and recent earnings reaction.
Research Snapshot
UPAY, Inc. (UPYY) is a Technology stock with a market cap of $15.75M and listed on OTC. The stock last traded around $0.90 and up 28.6% across the available one-year price window (Jun 20, 2025 โ May 29, 2026). Baseline metrics include revenue growth of -48.7%, EPS growth of +23.6%, a dividend yield of 0.0%. What stands out right now is revenue -48.7%, EPS +23.6%, free cash flow -350.6% with operating margin -55.2% and ROIC -342.0%. Valuation already assumes a fairly strong business story at price/sales 23.0. Overall, the current profile looks closer to a turnaround or cyclical reset than a generic broad-market placeholder. Stock Foundry combines UPYY price history, valuation, growth, dividend context, earnings, analyst forecasts, news, related Technology peers on this page.
Sector Context
How this name stacks up against nearby peers on first-pass metrics.
Revenue Growth
Below sector median
-48.7% vs +11.9% peer median
Operating Margin
Below sector median
-55.2% vs +22.0% peer median
What Changed This Quarter
Latest report context and the signals most likely to have changed the story.
Latest report is on the board
2023 was reported on Nov 30, 2023, but the surprise data is still limited.
The operating picture looks softer than before
Revenue is at -48.7% and EPS is at +23.6%, with operating margin around -55.2%.
Earnings Reaction Memory
How the stock has tended to move after recent reports.
Across the last 3 reported quarters, the stock averaged 0.0% over the next 5 trading days and finished higher after 0 of those reports.
View quarter-by-quarter reaction table
| Quarter | EPS ฮ | 1D | 5D | 20D |
|---|---|---|---|---|
2023 Nov 30, 2023 | โ | +0.0% | +0.0% | -14.3% |
2023 Aug 31, 2023 | โ | +0.0% | +0.0% | -14.3% |
2023 May 31, 2023 | โ | +0.0% | +0.0% | -14.3% |
Benchmark Comparison
Normalized Performance vs SPY
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UPYY
โ
Normalized return
SPY
โ
S&P 500
Excess Return
โ
Relative to SPY
UPYY Max Drawdown
-55.00%
Trailing 1Y
SPY Max Drawdown
โ
Trailing 1Y
Calendar-Year Returns
Uses the longest available daily history for UPYY and SPY.
Company Overview
UPAY, Inc.
Other OTC
UPAY, Inc. provides a web-based client and loan administration software platform under the automated credit provider administration system (ACPAS) name to registered lenders in South Africa. It offers a cloud-based loan origination software system that enables customers to grant loans, sell products, pay bills, or pay monthly subscriptions on terms. The company also develops tailor-made web sites for customers; resells credit bureau products; and acts as an agent for a registered insurance company, and third-party payment provider for debit order transactions, as well as offers custom software development and general administration staff services to customers. It serves customers with physical branch outlets, as well as online customers with lending websites. The company was founded in 2008 and is based in Dallas, Texas.
- Leadership
- Jacob Casper Folscher
- IPO Date
- Mar 25, 2022
- Employees
- 16
- Street Address
- 3010 LBJ Freeway
- Mailing
- Dallas, TX, 75234
- Region
- Dallas, TX, US
- Reporting Currency
- USD
- Investor Line
- 972 888 6052
- Last Updated
- May 5, 2026
Key Fundamentals
Valuation, growth, profitability, and balance sheet signals.
Valuation
- P/E
- โ
- EV/EBITDA
- โ
- Price/Sales
- 23.0
- Price/Book
- โ
Growth
- Revenue
- -48.7%
- EPS
- +23.6%
- Free Cash Flow
- -350.6%
Profitability
- Gross Margin
- 72.9%
- Operating Margin
- -55.2%
- Net Margin
- -194.6%
- ROE
- 242.7%
- ROIC
- -342.0%
Balance Sheet
- Debt/Equity
- โ
- Current Ratio
- 0.41
Earnings Reports
Latest News
Official Releases
Company announcements and filings-style updates.
Next Step
Keep the research moving
After the overview, the strongest next step is usually chart context or a tighter compare set.