Upay UPYY

OTC UPYY
$0.90 +0.00 (+0.00%)
At close: Oct 14, 2026 · 4:00 PM EDT

Upay (UPYY) stock price is $0.90, unchanged on the day, as of Oct 14, 2026. It has a market cap of $15.85Mn, and is classified in the Compliance Software industry (Technology sector).

Key Stats
Market Cap15.85 Mn
P/E-11.27
P/S19.76
Total Debt (Qtr)77,800.00
Revenue Growth (1y) (Qtr)32.82
Add ratio to table…

About

UPAY Inc. is a Nevada corporation incorporated on July 8 2015 that operates as a holding company providing software and financing solutions through its subsidiaries in South Africa and the United States The company focuses on credit administration anti money laundering compliance and hunting trip financing serving clients in regulated industries through technology platforms designed to automate workflows and ensure regulatory adherence UPAY generates revenue primarily…

Read more ↓
Sectors: Technology Financial Services Sector rationale The company's primary revenue drivers are software licensing and subscription fees from its ACPAS loan administration platform and AML GO compliance tools, which are described as cloud-based technology platforms. A secondary sector of Financial Services is justified because the company also operates Huntpal, which provides financing arrangements and 'Hunt Now Pay Later' services, as well as earning commissions on credit protection insurance. Industries: Compliance Software Compliance Software Primary The company provides AML GO, which delivers anti-money laundering screening, transaction monitoring, and regulatory reporting tools to financial institutions and fintech companies to ensure regulatory adherence. Digital Lending Digital Lending Secondary The company sells ACPAS, a cloud-based loan administration platform that enables loan origination and product sales for online and physical branch lenders. Specialty Finance Specialty Finance Secondary Through Huntpal, the company provides financing arrangements and tailored financing plans for hunting safaris, acting as a non-bank financier in a specialized niche. Classified using BQ-MICS CIK: 0001677897
Peer percentiles

How Upay ranks

Ranked against the 115 companies in Business Applications58 metrics · as of Oct 16, 2026

Valuation

12 metrics · Lower multiples rank higher; a negative multiple ranks last
  • P/ENegative earnings −11.3xMedian 27.3x 34th
  • P/FCFNegative free cash flow −67.5xMedian 15.1x 26th
  • P/Operating cash flowNegative operating cash flow −68.5xMedian 14.2x 22nd
  • P/S 19.8xMedian 2.63x 12th
  • P/BNegative shareholder equity −27.2xMedian 2.94x Not meaningful —
  • P/Tangible bookNegative tangible equity −27.2xMedian 4.05x Not meaningful —
  • EV/EBITDANegative EBITDA −37.8xMedian 15.5x 28th
  • EV/EBITNegative EBIT −37.2xMedian 23.7x 40th
  • EV/Revenue 19.7xMedian 3.04x 13th
  • EV/FCFNegative free cash flow −67.5xMedian 15.7x 23rd
  • EV/Operating cash flowNegative operating cash flow −68.4xMedian 13.3x 20th
  • PEG (3Y EPS CAGR)Negative earnings 0.11Median 0.90 Not meaningful —
Peer group

Peer Comparison

Companies in the Compliance Software
View all peers
S.No. Ticker Company Market CapP/EP/STotal Debt (Qtr)
1 PLTR Palantir Technologies Inc. 466.13 Bn154.5275.72-
2 ORCL Oracle Corp 383.82 Bn20.405.35125.34 Bn
3 SAP Sap Se 263.61 Bn28.385.929.76 Bn
4 CRM Salesforce, Inc. 198.89 Bn20.584.5339.29 Bn
5 NOW ServiceNow, Inc. 149.64 Bn89.6010.167.52 Bn
6 ADP Automatic Data Processing Inc 115.45 Bn26.165.264.96 Bn
7 INTU Intuit Inc. 89.90 Bn19.694.197.67 Bn
8 UPYY Upay 0.02 Bn-11.2719.760.00 Bn