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UPAY, Inc. UPYY

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Price alert · UPYY

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0.90 USD 0.00 0.00%

At close · Oct 30

1.00 Day range 1.01
0.89 52-week range 4.75
YTD
-35.71%
1 year
-9.09%
Open
1.01
Prev close
0.90
Mkt cap
15.90M
Vol
200
Avg vol
0
EPS
-0.08
P/E
0.00
More statistics
Low
1.00
High
1.01

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Financial health

Altman Z-Score

-9.10 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

4 / 9 Average

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

C2 / 5 overall

  • DCF 1
  • Return on Equity 5
  • Return on Assets 1
  • Debt / Equity 1
  • P/E 1
  • P/B 1

Valuation

P/E -12.3×
FY 2016: -192×FY 2017: -125×FY 2018: -313×FY 2019: -625×FY 2020: -61.7×FY 2021: -32.5×FY 2022: -127×FY 2023: -16.0×FY 2024: -21.0×FY 2025: -12.3×
FY 2016 5y median -21.0× FY 2025
P/S 23.1×
FY 2016: 20.3×FY 2017: 14.9×FY 2018: 11.6×FY 2019: 9.1×FY 2020: 10.5×FY 2021: 8.2×FY 2022: 12.6×FY 2023: 8.5×FY 2024: 15.8×FY 2025: 23.1×
FY 2016 5y median 12.6× FY 2025
P/B -33.6×
FY 2016: 82.0×FY 2017: 257×FY 2018: 64.8×FY 2019: 66.7×FY 2020: 173×FY 2021: -46.8×FY 2022: -44.9×FY 2023: -46.3×FY 2024: -24.2×FY 2025: -33.6×
FY 2016 5y median -44.9× FY 2025
P/FCF -59.6×
FY 2016: 208×FY 2017: 77.8×FY 2018: 42.6×FY 2019: -31.0×FY 2020: -128×FY 2021: 15.2×FY 2022: -46.5×FY 2023: -69.5×FY 2024: -14.8×FY 2025: -59.6×
FY 2016 5y median -46.5× FY 2025
EV/EBITDA -39.7×
FY 2016: -271×FY 2017: -135×FY 2018: 958×FY 2019: 210×FY 2020: -98.8×FY 2021: -43.7×FY 2022: -561×FY 2023: -17.8×FY 2024: -23.6×FY 2025: -39.7×
FY 2016 5y median -39.7× FY 2025
EV/Sales 23.7×
FY 2016: 19.8×FY 2017: 14.4×FY 2018: 11.1×FY 2019: 8.9×FY 2020: 10.4×FY 2021: 7.7×FY 2022: 12.5×FY 2023: 8.3×FY 2024: 16.4×FY 2025: 23.7×
FY 2016 5y median 12.5× FY 2025
FCF Yield -1.7%
FY 2016: 0.5%FY 2017: 1.3%FY 2018: 2.3%FY 2019: -3.2%FY 2020: -0.8%FY 2021: 6.6%FY 2022: -2.2%FY 2023: -1.4%FY 2024: -6.8%FY 2025: -1.7%
FY 2016 5y median -1.7% FY 2025

Profitability

Gross Margin 73.4%
FY 2016: 88.7%FY 2017: 81.5%FY 2018: 71.1%FY 2019: 73.8%FY 2020: 73.0%FY 2021: 65.4%FY 2022: 57.7%FY 2023: 52.7%FY 2024: 62.1%FY 2025: 73.4%
FY 2016 5y median 62.1% FY 2025
Operating Margin -59.8%
FY 2016: -8.3%FY 2017: -11.4%FY 2018: -3.5%FY 2019: -2.4%FY 2020: -15.5%FY 2021: -21.4%FY 2022: -6.3%FY 2023: -47.6%FY 2024: -71.1%FY 2025: -59.8%
FY 2016 5y median -47.6% FY 2025
Net Margin -188.5%
FY 2016: -10.6%FY 2017: -12.1%FY 2018: -3.6%FY 2019: -1.5%FY 2020: -16.9%FY 2021: -25.3%FY 2022: -10.0%FY 2023: -52.8%FY 2024: -75.5%FY 2025: -188.5%
FY 2016 5y median -52.8% FY 2025
ROE 273.7%
FY 2016: -42.9%FY 2017: -208.1%FY 2018: -20.2%FY 2019: -11.1%FY 2020: -279.1%FY 2021: 144.4%FY 2022: 35.5%FY 2023: 288.9%FY 2024: 115.2%FY 2025: 273.7%
FY 2016 5y median 144.4% FY 2025
ROIC -1617.6%
FY 2016: -33.4%FY 2017: -196.3%FY 2018: -15.8%FY 2019: -14.3%FY 2020: -64.8%FY 2021: -192.0%FY 2022: -222.1%FY 2023: -465.0%FY 2024: -2524.1%FY 2025: -1617.6%
FY 2016 5y median -465.0% FY 2025
ROA -618.5%
FY 2016: -16.7%FY 2017: -19.9%FY 2018: -3.9%FY 2019: -3.7%FY 2020: -29.8%FY 2021: -25.4%FY 2022: -16.3%FY 2023: -95.6%FY 2024: -230.6%FY 2025: -618.5%
FY 2016 5y median -95.6% FY 2025

Growth (YoY)

Revenue 4.3%
FY 2016: 68.1%FY 2017: 35.9%FY 2018: 41.2%FY 2019: 24.8%FY 2020: -19.0%FY 2021: 31.4%FY 2022: -6.8%FY 2023: 2.5%FY 2024: -48.7%FY 2025: 4.3%
FY 2016 FY 2025
Operating Income 12.2%
FY 2016: -562.3%FY 2017: -87.6%FY 2018: 56.1%FY 2019: 16.9%FY 2020: -431.1%FY 2021: -81.5%FY 2022: 72.7%FY 2023: -679.9%FY 2024: 23.3%FY 2025: 12.2%
FY 2016 FY 2025
EPS (diluted) -143.7%
FY 2016: -1400.0%FY 2017: -53.8%FY 2018: 60.0%FY 2019: 50.0%FY 2020: -912.5%FY 2021: -90.1%FY 2022: 48.7%FY 2023: -453.2%FY 2024: 23.6%FY 2025: -143.7%
FY 2016 FY 2025
Free Cash Flow 62.1%
FY 2016: 94.6%FY 2017: 167.7%FY 2018: 100.9%FY 2019: -234.2%FY 2020: 77.5%FY 2021: 965.4%FY 2022: -147.0%FY 2023: 54.0%FY 2024: -350.6%FY 2025: 62.1%
FY 2016 FY 2025

Financial Health

Current Ratio 0.4×
FY 2016: 1.6×FY 2017: 1.1×FY 2018: 1.0×FY 2019: 1.1×FY 2020: 1.0×FY 2021: 0.8×FY 2022: 0.7×FY 2023: 0.8×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.7× FY 2025
Quick Ratio 0.4×
FY 2016: 1.6×FY 2017: 1.1×FY 2018: 1.0×FY 2019: 1.1×FY 2020: 1.0×FY 2021: 0.8×FY 2022: 0.7×FY 2023: 0.8×FY 2024: 0.3×FY 2025: 0.4×
FY 2016 5y median 0.7× FY 2025
Debt / Equity -1.1×
FY 2016: 0.0×FY 2017: 0.0×FY 2018: 0.2×FY 2019: 0.2×FY 2020: 3.0×FY 2021: -1.6×FY 2022: -1.2×FY 2023: -1.6×FY 2024: -1.0×FY 2025: -1.1×
FY 2016 5y median -1.2× FY 2025
Net Debt / EBITDA -1.0×
FY 2016: 6.3×FY 2017: 4.9×FY 2018: -50.6×FY 2019: -4.3×FY 2020: 0.9×FY 2021: 2.9×FY 2022: 7.0×FY 2023: 0.4×FY 2024: -0.9×FY 2025: -1.0×
FY 2016 5y median 0.4× FY 2025
Interest Coverage -9.0×
FY 2016: -24.9×FY 2017: -305×FY 2018: -10.9×FY 2019: -4.6×FY 2020: -21.3×FY 2021: -20.0×FY 2022: -2.6×FY 2023: -19.8×FY 2024: -14.7×FY 2025: -9.0×
FY 2016 5y median -14.7× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2026-02-28