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UPAY (UPYY) stock

UPYYOTCServices-Prepackaged SoftwareFiscal year ends February 28
Financials through Q2 FY2027, quarter ended Aug 31, 2026Last filing: 10-Q on Oct 20, 2026Score 1/30
$0.90+0.00 (0.00%)

Close on Oct 16, 2026Market cap $16.38MP/E –Yield –

UPAY grew revenue 38.4% to $898.55K over the twelve months to Aug 31, 2026. Free cash flow was -$176.91K. At the latest close the market valued the company at $16.38M.

Revenue
$898.55K
+38.4% vs. a year earlier
Operating income
-$562.24K
TTM Q2 2027
Free cash flow
-$176.91K
TTM Q2 2027
EPS, diluted
-$0.12
TTM Q2 2027

Key statistics

Valuation at the latest close; fundamentals over the trailing twelve months, balances at Aug 31, 2026

Valuation

Market cap
$16.38M
P/E ratio
–
Price to sales
18.23
Price to book
–
Dividend yield
–
Free cash flow yield
-1.08%

Fundamentals

Revenue
$898.55K
Net income
-$2.02M
EPS, diluted
-$0.12
Free cash flow
-$176.91K
Book value per share
-$0.02
Diluted shares
18M

Trading

Previous close
$0.90
Open
$0.90
Day's range
$0.90 – $0.90
Volume
0

Market cap history

Month-end market cap since 2022, using shares outstanding reported at the time

Total return vs. the S&P 500

Price change plus reinvested dividends, to the close on Oct 16, 2026. The S&P 500 is measured by the SPY fund.

PeriodUPYYS&P 500DifferenceUPYY per yearS&P 500 per year
1 month0.0%+1.5%−1.5 pts
3 months0.0%+1.9%−1.9 pts
Year to date-35.7%+12.8%−48.5 pts
1 year-35.7%+16.8%−52.5 pts
3 years-10.0%+81.5%−91.5 pts-3.5%+22.0%

Twelve years at a glance

Fiscal years 2015 to 2026 and trailing twelve months, USD

Revenue

$898.55K+38.4% YoY

Gross profit

$628.99K+32.6% YoY

Operating income

-$562.24K

Net income

-$2.02M

EPS, diluted

-$0.12

Free cash flow

-$176.91K
Reported periodTrailing twelve months

Press releases

Releases UPAY filed with the SEC as exhibits to Form 8-K or 6-K

All press releases and earnings

About UPAY

Services-Prepackaged Software

The company provides financial technology platforms and digital marketplace services across credit management, regulatory compliance, and outdoor recreation. Through its ACPAS software, the firm offers cloud-based loan origination, administration, payment processing, and collections solutions for credit providers, retailers, and professional service firms. Its AML GO platform provides anti-money laundering screening, customer due diligence, sanctions checking, and transaction monitoring tools for financial institutions and regulated entities. Additionally, the company operates HUNTPAL, an online marketplace connecting hunters with vetted outfitters while offering installment-based financing for outdoor travel and guided safari experiences.

Company profile, executives and history

UPAY stock: common questions

What is UPAY's stock price?

UPYY closed at $0.90 on Oct 16, 2026, up 0.00% on the day.

What is UPAY's market cap?

UPAY was worth $16.38M at the close on Oct 16, 2026: the share price times the diluted shares outstanding.

What is UPYY's P/E ratio?

UPAY lost money over the twelve months to Aug 31, 2026 (diluted EPS -$0.12), so it has no meaningful P/E ratio.

How much revenue does UPAY make?

UPAY reported revenue of $898.55K for the twelve months to Aug 31, 2026, up 38.4% from a year earlier.

Does UPAY pay a dividend?

No. UPAY has not paid a cash dividend over the last twelve months.

How has UPYY stock performed over the past year?

Including dividends, UPYY returned -35.7% over the past year, against +16.8% for the S&P 500.

Who are UPAY's competitors?

Companies most similar to UPAY by business, industry and size include AUID, ATHR, FMTOF, UMEW, YAAS.

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