UPYY — UPAY

OTC · Information Technology · Software · CIK 1677897 ·
Last close
$0.90
Market Cap
$15.85M
52W High
$1.00
52W Low
$0.90
ADV30
0
Next earnings
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. The company offers a cloud-based loan origination software system that enables customers to grant loans, sell products, pay bills, or pay monthly subscriptions on terms. It also develops tailor-made web sites for customers. In addition, the company resells credit bureau products; acts as an agent for a registered insurance company, and third-party payment provider for debit order transactions. Further, it provides custom software development and general administration staff services to customers. The serves customers with physical branch outlets, as well as online customers with lending websites. UPAY, Inc. was founded in 2009 and is based in Dallas, Texas.

Quarterly Fundamentals

Revenues vs Net Income (last 4 Q)

Assets vs Liabilities (last 4 Q)

PeriodRevenuesGrossProfit OpIncomeNetIncomeAssets CashLiabilities
Feb 2026 202,363 145,891 -104,254 -115,262 227,409 96,279 741,267
Nov 2025 184,587 130,043 -113,390 -1,032,123 211,845 67,418 698,196
May 2025 170,414 127,830 -130,602 -141,986 199,185 43,621 775,761
Feb 2025 139,583 96,787 -29,834 -38,877 234,149 55,362 703,005

Cashflow TTM (yfinance, fills SEC gap)

Operating CF
$-252,984
Investing CF
$-1,163
Financing CF
$320,000
CapEx
$-1,163
Dividends Paid
Buybacks
$0
EPS Diluted TTM
$-0.08
As of
2026-06-07

Balance + Analyst (yfinance extras)

Retained Earnings
$-3,569,874
Inventory
Receivables
$44,553
ST Investments
EBIT TTM
$-1,281,612
Pretax Income TTM
$-1,328,248
Interest Exp TTM
$46,636
Analysts

Yahoo Snapshot (yfinance, live)

Total Revenue
$746,311
EBITDA
$-446,600
Free Cash Flow
$-151,839
Enterprise Value
$16,298,877
Total Cash
$96,279
Total Debt
$541,466
Shares Out
17,615,211
Trailing EPS
$-0.08
Book Value
$-0.03
ROE
ROA
-122.8%
Div Yield

Annual Trend (SEC EDGAR, last 5y)

Revenues vs Net Income (last 5y)

FY endRevenuesOpIncome NetIncomeAssetsLiabilities EquityOCF
Feb 2026 746,311 -453,517 -1,406,623 227,409 741,267 -288,039
Feb 2025 715,269 -508,857 -540,062 234,149 703,005 -764,674
Feb 2024 1,394,408 -681,858 -736,191 770,340 1,025,147 -145,611
Feb 2023 1,359,991 -89,241 -135,487 833,257 1,215,284 -361,066
Feb 2022

Peers — same industry

TickerNameMarket CapLastDaily %
SEGG Sports Entertainment Gaming Global Corp $15.86M $1.05
MSGM Motorsport Games Inc. $15.65M $3.75
CHOW ChowChow Cloud International Holdings Ltd $16.06M $0.45
APCX AppTech Payments Corp. $16.17M $0.38
SMSI SMITH MICRO SOFTWARE, INC. $15.49M $3.03

News headlines (Yahoo Finance, 1h cache)

UPAY CEO elected to CASA Board for two-year term — joining the first Board constituted after industry rebrand
2025-10-27 21:06 · Yahoo
ACPAS to Sponsor the Upcoming MFSA AGM and the Official Launch of CASA (Credit Association of South Africa)
2025-10-17 16:32 · Yahoo
UPAY Announces Appointment of Richard K. Pellerin to Its Board of Directors
2025-09-17 17:24 · Yahoo
ACPAS Signs Multi-Phase Development Deal with Leading Pan-African Finance Group to Launch Customized Lending Solutions
2025-09-04 17:41 · Yahoo

Recent Insider Activity

No insider activity indexed for this ticker.