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UPAY, Inc. (UPYY)
Dallas, TX, US
Established in Dallas, Texas, in 2008, UPAY, Inc. delivers a range of software solutions and services, with a primary focus on the lending industry. The company's core product is the Automated Credit Provider Administration System (ACPAS), a web-based platform for client and loan management, specifically designed for registered lenders operating in South Africa. UPAY also provides a cloud-based loan origination system, enabling its customers to efficiently issue loans, retail various products, manage bill payments, or process recurring subscriptions under defined terms. Complementing its software offerings, the company develops custom websites for clients, resells credit bureau information, acts as an agent for a registered insurance carrier, and serves as a third-party payment processor for debit order transactions. Furthermore, UPAY undertakes custom software development projects and offers general administrative staffing support to a diverse clientele, including businesses with physical branches and those operating entirely online lending platforms.
No mergers or acquisitions recorded for this company.
| Indicator | 1D | 1W | 2W | 3W | 1M |
|---|
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
| 1D | 5D | 1M | 3M | 6M | YTD | 1Y | 3Y | 5Y | 10Y | Max |
|---|---|---|---|---|---|---|---|---|---|---|
| +0.00% | +0.00% | +0.00% | -10.00% | -55.00% | -35.71% | +28.57% | -10.00% | +80.00% | +80.00% | +80.00% |
Revenue flow
Revenue by geography
Revenue by segment
Revenue composition
By product
By geography
Income Statement
Balance Sheet
Cash Flow Statement
Key Metrics
Financial Ratios
Employees
Financial Growth (CAGR)
Market Data
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Revenue growth Software - Application: +13.0%-48.7% Q4'25: +22.8% (vs Q4'24)
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EPS growth Software - Application: +28.6%+23.6% Q4'25: -531.6% (vs Q4'24)
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FCF margin FCF growth · Software - Application: +45.3%-132.7% Q4'25: -38.3% (vs Q4'24)
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EBIT margin Software - Application: +9.4%-70.7% Q4'25: -61.4% (vs Q4'24)
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ROIC Software - Application: +7.5%— Q4'25: -1,056.9% (vs Q4'24)
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Share dilution Software - Application: +0.0%-3.9% ★ Q4'25: +2.3% (vs Q4'24)
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Debt / EBITDA Net debt/EBITDA · Software - Application: -1.16×-0.98× Q4'25: -1.34× (vs Q4'24)
* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.
Owner Earnings
Ownership Overview
Ownership breakdown not available.
| # | Reporting person | Amount owned | % of class | Sole voting | Shared voting | Sole dispositive | Shared dispositive | Type | Citizenship | Filing date | SEC filing |
|---|---|---|---|---|---|---|---|---|---|---|---|
| 1 | Emerging Markets Consulting, LLC | 2.18M | 14.00% | 2.18M | — | — | — | CO | United States Citizen | 2024-01-17 | ↗ |
| 2 | Markets Consulting, LLC | 1.98M | 11.51% | 1.98M | — | — | — | CO | United States Citizen | 2022-07-13 | ↗ |
| 3 | LLC. | 1.88M | 7.80% | 1.88M | — | 1.88M | — | CO | Florida | 2017-02-01 | ↗ |
Institutional Activity (13F)
Institutional history not available.
Top holders not available.
ETF Ownership
This company is not held by any ETF in our universe.
Insider Activity
Executive team
Executive compensation
Executive compensation not available.
No CEO compensation history available.
Proxy statements
No proxy statements available for this company yet.
Recent SEC filings
Executive team
| Name | Title | Compensation | Gender |
|---|---|---|---|
| Jacob Casper Folscher | Chief Executive Officer, President, Chief Financial Officer, Chief Accounting Officer & Director | 120.9K | male |
| Anita Roestof | Administration Manager | — | female |
| Chris De Wet | Marketing Manager | — | male |
| Randall F. Greene | Chief Operating Officer & Director | — | male |
No Senate trading activity found for this company.
No House trading activity found for this company.
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Community Opinion for UPYY
Short-term intention
Target Price Distribution
These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.
