Technology
Live Price
Offline$0.90
+0.00% today
1Y Change
+28.57%
Window
Jun 23, 2025 → May 29, 2026
Coverage: 236 bars · Jun 23, 2025 → 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 23, 2025 → 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.
Benchmark Comparison
Compare this ticker against a broad index, growth benchmark, or sector ETF using a shared 1Y normalization window.
UPYY
—
Normalized return
SPY
—
S&P 500
Excess Return
—
Relative to SPY
UPYY Max Drawdown
-55.00%
Trailing 1Y
SPY Max Drawdown
—
Trailing 1Y
Uses the longest available daily history for UPYY and SPY.
Financial profile
Profitability, balance sheet stamina, and cash efficiency drawn from the latest filings.
FY Revenue
$1.1M
-23.9% YoY
FY Net Income
-$187.2K
+49.2% YoY
Free Cash Flow
-$90.7K
-111.6% YoY
Revenue Growth
-48.7%
EPS Growth
+23.6%
Gross Margin
72.9%
Net Margin
-194.6%
Income statement
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Revenue | 715K | 1M | 1M | 1M | 1M |
| Gross Profit | 444K | 735K | 785K | 953K | 811K |
| Operating Income | -509K | -663K | -85K | -312K | -172K |
| EBITDA | -498K | -650K | -30K | -257K | -117K |
| Net Income | -540K | -736K | -135K | -369K | -187K |
| EPS (Diluted) | — | — | — | — | — |
Balance sheet
USD
| Metric | 2025 | 2024 | 2023 | 2022 | 2021 |
|---|---|---|---|---|---|
| Cash & Equivalents | 55K | 643K | 663K | 1M | 308K |
| Total Assets | 234K | 770K | 833K | 1M | 627K |
| Total Liabilities | 703K | 1M | 1M | 2M | 560K |
| Shareholder Equity | -469K | -255K | -382K | -255K | 67K |
| Total Debt | 489K | 397K | 450K | 418K | 198K |
| Net Debt | 434K | -245K | -213K | -738K | -110K |
Cash flow positioning
Latest Full Year
Operating Cash Flow
85K
-110.7% YoY
Capital Expenditures
6K
-44.2% YoY
Free Cash Flow
91K
-111.6% YoY
Key ratios
Gross Margin
72.9%
Operating Margin
-55.2%
Net Margin
-194.6%
ROE
242.7%
Debt / Equity
-1.23x
Next Step
Use the numbers to decide whether this is a growth candidate, a quality compounder, or just an interesting outlier.