Upay(OTC) UPYY

Market Cap$15.90M

Since IPO (2022)+80%

5 YearN/A

1 Year+29%

1 Month+0%

$0.90

+0.00%

+0.00Today

Upay last closing stock price
Metric	Price	Date
Last close	USD 0.90	2026-06-30

Upay stock price return by period
Period	Price return	Price at period start	Period start date
1 week	+0%	USD 0.90	2026-06-04
1 month	+0%	USD 0.90	2026-04-24
3 month	+0%	USD 0.90	2026-03-27
Year to date	-35.71%	USD 1.40	2025-12-10
1 year	+28.57%	USD 0.70	2025-06-09
3 year	-10%	USD 1.00	2022-11-11
Since inception	+80%	USD 0.50	2022-03-25

Upay Financials at a Glance

Market Cap

$15.90M

Revenue (TTM)

$802.24K

Net Income (TTM)

-$1.38M

EPS (TTM)

-$0.08

P/E Ratio

-11.18

Dividend

$0.00

Beta (Volatility)

0.00 (Low)

Dividend

$0.00

Beta (Volatility)

0.00 (Low)

Price

$0.90

Volume

Open

$0.90

Price

$0.90

Volume

Open

$0.90

Previous Close

$0.90

Daily Range

$0.90 - $0.90

52-Week Range

$0.89 - $4.75

Estimated Earnings Date

N/A

Dividend

$0.00

Beta (Volatility)

0.00 (Low)

Price

$0.90

Volume

Open

$0.90

Previous Close

$0.90

Daily Range

$0.90 - $0.90

52-Week Range

$0.89 - $4.75

Estimated Earnings Date

N/A

UPYY News

No articles available.

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About Upay

UPAY helps lenders in South Africa manage loans and payments online. Its software lets businesses offer loans, sell products, and process payments. The platform supports both physical branches and online lenders, making credit easier to manage.

What’s in the Toolbox? (Products and Services)

Loan Administration Software: Web-based system for lenders to manage loans and client accounts.
Cloud Loan Origination: Enables businesses to grant loans, sell products, and process bill payments online.
Custom Website Development: Builds tailored websites for lending businesses and other clients.
Credit Bureau Resale: Offers access to credit data for risk assessment and compliance.
Insurance Agency Services: Acts as an agent for a registered insurance company.
Payment Processing: Handles debit order transactions for recurring payments.

UPAY’s Growth Spurt (Expansion and Moves)

Acquired full ownership of Huntpal LLC in June 2024 to expand service offerings.
Bought controlling interest in AML Go (Pty) Ltd in May 2024, broadening compliance solutions.
Focus remains on South African market, with all operations managed as one segment.

Why UPAY Catches the Eye

UPAY integrates loan management, payment processing, and insurance into one platform. Its software supports both online and physical lenders, offering flexibility. The company’s focus on South Africa gives it a niche market position.

Five Things You Need to Know

Revenue was $188,947 in Q2 2025, up 12.4% from Q2 2024.
Gross profit reached $143,746 in Q2 2025, up 21.1% year-over-year.
Net loss improved to $-117,252 in Q2 2025, down from $-191,324 in Q2 2024.
Cash used in operations was $188,768 for six months ended August 2025.

Bottom Line

UPAY has evolved through acquisitions and product expansion, focusing on South African lenders. The company faces ongoing losses but continues to adapt its offerings and structure.

AI Generated • Apr 16, 2026

Industry

Software

Sector

Information Technology

Employees

CEO

Jacob Casper Folsher

Website

www.upaytechnology.com

Headquarters

Dallas, TX 75234, US

UPYY Financials

Key Financial Metrics (TTM)

Gross Margin

73.12%

Operating Margin

-52.01%

Net Income Margin

-172.03%

Return on Equity

246.00%

Return on Capital

-1617.65%

Return on Assets

-614.76%

Earnings Yield

-8.94%

Dividend Yield

0.00%

Payout Ratio

0.00%

Stock Overview

Market Cap

$15.90M

Shares Outstanding

17.67M

Volume

Avg. Volume

1.672

Financials (TTM)

Gross Profit

$586.62K

Operating Income

-$417.25K

EBITDA

-$405.34K

Operating Cash Flow

-$231.59K

Capital Expenditure

-$3.18K

Free Cash Flow

-$234.77K

Cash & ST Invst.

$91.69K

Total Debt

$609.93K

Upay Performance Analysis

Upay annual revenue and year-over-year revenue growth by fiscal year
Fiscal year	Period end	Revenue	YoY growth
2023	2023-02-28	USD 1,359,991	-6.8%
2024	2024-02-29	USD 1,394,408	2.5%
2025	2025-02-28	USD 715,269	-48.7%
2026	2026-02-28	USD 746,311	4.3%

Upay sequential (quarter-over-quarter) revenue growth by fiscal quarter
Fiscal quarter	Period end	QoQ growth
Q2	2025-08-31	10.9%
Q3	2025-11-30	-2.3%
Q4	2026-02-28	9.6%
Q1	2026-05-31	11.9%

Upay annual diluted earnings per share and year-over-year EPS growth by fiscal year
Fiscal year	Period end	Diluted EPS	YoY growth
2023	2023-02-28	USD -0.01	-48.7%
2024	2024-02-29	USD -0.04	453.2%
2025	2025-02-28	USD -0.03	-23.6%
2026	2026-02-28	USD -0.08	143.7%

Upay sequential (quarter-over-quarter) diluted earnings per share growth by fiscal quarter
Fiscal quarter	Period end	QoQ growth
Q2	2025-08-31	17.6%
Q3	2025-11-30	-757.1%
Q4	2026-02-28	89.0%
Q1	2026-05-31	-1.5%

Revenue Growth Rate

Annual and quarterly growth comparison

Earnings Per Share Growth Rate

Annual and quarterly EPS growth comparison

Quarterly Performance

Name

Q1 2026YOY CHG

Revenue

$226.35K

+32.8%

Gross Profit

$166.94K

+30.6%

Gross Margin

73.75%

N/A

Market Cap

$15.90M

N/A

Market Cap/Employee

$993.67K

N/A

Employees

N/A

Net Income

-$115.44K

+18.7%

EBITDA

-$101.25K

+21.3%

Quarterly Fundamentals

Name

Q1 2026YOY CHG

Total Cash

$91.69K

+110.2%

Total Debt

$609.93K

+0.5%

Accounts Receivable

$54.34K

+44.5%

Inventory

$0.00

N/A

Long Term Debt

$269.03K

-5.7%

Short Term Debt

$340.89K

+6.0%

Return on Assets

-6.15%

N/A

Return on Invested Capital

1.33%

N/A

Free Cash Flow

-$75.41K

+42.3%

Operating Cash Flow

-$74.22K

+43.2%

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Questions About UPYY

What is the current price of Upay?

Upay is trading at $0.90 per share.

What is the 52-week range for Upay?

Over the past 52 weeks, Upay has traded between $0.89 and $4.75.

How much debt does Upay have?

As of the most recent reporting period, Upay reported total debt of $610.59K.

How much cash does Upay have on hand?

Upay reported $91.69K in cash and cash equivalents in its most recent financial results.

What is Upay’s dividend yield?

Upay does not currently have a dividend yield.

Upay(OTC) UPYY

Upay Financials at a Glance

UPYY News

Motley Fool Moneyball Superscore

Our CEO Is Handing Members His Secret Weapon

About Upay

What’s in the Toolbox? (Products and Services)

UPAY’s Growth Spurt (Expansion and Moves)

Why UPAY Catches the Eye

Five Things You Need to Know

Bottom Line

UPYY Financials

Key Financial Metrics (TTM)

Stock Overview

Financials (TTM)

Upay Performance Analysis

Revenue Growth Rate

Earnings Per Share Growth Rate

Quarterly Performance

Quarterly Fundamentals

Other Investments to Explore

People Also Watch

Trending Stocks

Questions About UPYY

What is the current price of Upay?

What is the 52-week range for Upay?

How much debt does Upay have?

How much cash does Upay have on hand?

What is Upay’s dividend yield?

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