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Market Performance
Stock returned +10.0% over the past year, broadly in line with market conditions.What is 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.
UPYY · Verdict
Limited reward · elevated risk
UPYY's standout is volatility; balance sheet and cash flow weigh on the picture.
Based on 88% data coverage
UPYY · Verdict
What’s working & what to watch
Strengths 1
- Volatility80/100
Top decile vs peers
Watchouts 5
- Balance sheet14/100
Current ratio 0.28
- Cash flow20/100
-107% free-cash-flow margin
- Growth25/100
Rev -21.1% CAGR · earnings +13.6%
- Profitability35/100
-76% net margin · -804% ROE
- Valuation41/100
Below average
Model-based scoring. For information only — not financial advice.
What is 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. The company is listed on the OTCQB in USA, operating in the Technology sector, with a market capitalisation of 17.50M.
Financial Highlights
Investment Breakdown
Analysis
Reward: Moderate (36)The scoring profile indicates weak reward characteristics across most factors, including momentum and size. Risk indicators are elevated — volatility and macro sensitivity warrant consideration.
For informational purposes only. Not financial advice.