UPAY, Inc.

UPAY, Inc.

UPYY
UPAY, Inc.US flagOther OTC
0.90
USD
- -
- -
15.90MMarket Cap
2016 Y
2017 Y
2018 Y
2019 Y
2020 Y
2021 Y
2022 Y
2023 Y
2024 Y
2025 Y
2026 Y
TTM
Revenue per Share
0.01
0.02
0.03
0.05
0.06
0.05
0.06
0.08
0.08
0.04
0.04
0.04
Basic EPS, GAAP
- -
- -
- -
- -
- -
-0.01
-0.02
-0.01
-0.04
-0.03
-0.08
-0.07
Free Cash Flow per Basic Share
- -
- -
0.01
0.01
-0.02
- -
0.03
-0.02
-0.01
-0.05
-0.02
-0.01
Dividend per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Book Value per Share
- -
- -
-0.01
-0.01
-0.01
-0.02
-0.03
-0.05
-0.1
-0.13
-0.21
-0.21
Tangible Book Value per Share
- -
0.01
- -
0.01
0.01
- -
-0.01
-0.02
-0.02
-0.03
-0.03
-0.03
Basic Weighted Avg Shares
23
23
23
23
23
23
24
17
17
16
17
17
Sales/Revenue/Turnover
- -
1
1
1
1
1
1
1
1
1
1
1
Operating Margin (%)
2.99
-8.59
-11.74
-3.54
-0.29
-15.66
-22.15
-6.56
-48.9
-71.14
-60.77
-52.26
Depreciation Expense
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Net Income, GAAP
- -
- -
- -
- -
- -
- -
- -
- -
-1
-1
-1
-1
Effective Tax Rate (%)
44.1
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Profit Margin (%)
1.33
-10.63
-12.08
-3.63
-1.51
-16.17
-25.28
-9.96
-52.8
-75.5
-188.48
-205.91
Working Capital
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
LT Debt
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Total Equity
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
-1
-1
Return on Invested Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -

Capital Structure

FRC

in mil. unless spec.
Nov'26
Feb'26
May'27
ST Debt
- -
- -
- -
LT Borrowings
- -
- -
- -
LT Finance Leases
- -
- -
- -
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
17
18
18
Market Capitalization
34
17
15

Working Capital

FRC

in mil. unless spec.
Nov'26
Feb'26
May'27
Total Current Assets
- -
- -
- -
Cash, Cash Equivalents & STI
- -
- -
- -
Accounts Receivable, Net
- -
- -
- -
Inventories
- -
- -
- -
Total Current Liabilities
- -
- -
1
Payables & Accruals
- -
- -
- -
ST Debt
- -
- -
- -
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
-12.8%
-74.19%
9.6%
Free Cash Flow
-82.65%
-175.59%
-62.07%
Net Income, GAAP
-11.03%
123.87%
160.46%
Sales/Revenue/Turnover
13.37%
-3.44%
4.34%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
1
2026
- -
- -
- -
- -
1
2027
- -
- -
- -
- -
- -

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
-0.01
-0.01
-0.01
- -
-0.03
2026
-0.01
- -
-0.06
- -
-0.08
2027
-0.01
- -
- -
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2025
- -
- -
- -
- -
- -
2026
- -
- -
- -
- -
- -
2027
- -
- -
- -
- -
- -

Company Description

APIChatGPT
CEO
Jacob Casper Folscher
Full Time Employees
16
Sector
Technology
Industry
Software - Application
Address
3010 LBJ Freeway Dallas TX United States of America 75234
IPO Date
Mar 25, 2022
Business
UPAY, Inc. (UPYY) provides cloud-based loan origination and client administration software solutions to credit providers, payroll administrators, and financial institutions; its core offerings include the Automated Credit Provider Administration System (ACPAS) for managing loans, clients, and processes on a subscription basis; Theme Studio Business Online for customized websites integrated with ACPAS; credit inquiries and protection services; payment gateways; credit bureaus integration; two-way texting; decision-making platforms; and anti-money laundering solutions via its subsidiary AML GO. The company operates primarily in the fintech sector, serving small, medium, and large enterprises in emerging markets with a focus on microfinance, digital lending, and compliance; it maintains offices in Dallas, Texas, and Centurion, South Africa, enabling expansion across Africa, the United States, and the South Pacific. Founded in 2009 and headquartered at 3010 LBJ Freeway, 12th Floor, Dallas, Texas 75234, UPAY also engages niche markets through its HUNTPAL brand, which connects hunters with ethical outfitters for adventure travel experiences emphasizing conservation. Recent developments include the acquisition of AML GO in June 2024 to bolster compliance offerings; a multi-phase agreement in 2025 by subsidiary ACPAS with a major pan-African financial services group for custom digital lending solutions, including software enhancements and an online platform; onboarding of 30 new AML GO clients in early 2025 with strategic reseller and client partnerships in the Southern African Development Community; sponsorships and presentations at MicroFinance South Africa events, including the October 2025 Annual General Meeting where MFSA rebranded to CASA; appointment of Richard K. Pellerin to the Board of Directors in September 2025; and active participation in industry conferences on compliance and crypto assets regulation.

Company News

APIChatGPT
  • UPAY Inc. Announces Appointment of Wynand Jordaan as Non-Executive Director

  • UPAY Inc. Announces Petra Software Transaction

  • UPAY Inc. Announces Petra Software Transaction

  • UPAY CEO elected to CASA Board for two-year term — joining the first Board constituted after industry rebrand

  • ACPAS to Sponsor the Upcoming MFSA AGM and the Official Launch of CASA (Credit Association of South Africa)

  • UPAY Announces Appointment of Richard K. Pellerin to Its Board of Directors

  • ACPAS Signs Multi-Phase Development Deal with Leading Pan-African Finance Group to Launch Customized Lending Solutions

  • ACPAS - Powers Device Financing for Flagship U.S. Tech Brand in South African Retail Network

  • AML Go Showcased at MFSA's Virtual Workshop: Mastering FICA Compliance

  • UPAY Inc. - AML GO Accelerates Growth with 30 New Clients in two weeks

  • UPAY Inc. - ACPAS Continues to Champion the Microfinance Sector as Proud Sponsor of MFSA Compliance Workshop

  • UPAY Inc. – AML GO invited to Crypto Assets Regulation & Compliance Conference

  • HUNTPAL Showcases Success at SCI Convention in Nashville

  • HUNTPAL Supports the 5th Annual PHASA Foundation Golf Day at Koro Kreek Golf Course

  • AML GO Launches Its Anti-Money Laundering Online System at the Consumer Credit Conference

  • UPAY Inc. Launches Huntpal's New US Website to Revolutionize Hunting Experiences for US Hunters

  • UPAY Inc. Strengthens Portfolio with AML GO (Pty) Ltd Acquisition

  • UPAY Inc. Acquires Full Ownership of Huntpal LLC, Expanding Its Portfolio and Market Reach

  • UPAY Inc. Announces Launch of Huntpal LLC's New US Website

  • UPAY Inc. Announces the Election of Jaco Fölscher, CEO of ACPAS, to the Board of Microfinance South Africa (MFSA)