UPAY, Inc. Stock

UPYY

US9032121082

Software

Market Closed - OTC Markets 15:49:58 2026-03-27 EDT			5-day change	1st Jan Change
0.9000 ^USD	-10.00%		-.--%	-35.71%

07-14	UPAY, Inc. Reports Earnings Results for the First Quarter Ended May 31, 2026	CI
07-02	UPAY, Inc. Announces Appointment of Wynand Jordaan as Non-Executive Director, Effective July 1, 2026	CI

UPAY, Inc. is a software development company. It provides a cloud-based loan origination software system that is compliant with all applicable legislation and enables its customers to grant loans, sell products, pay bills or pay monthly subscriptions on terms, all within its software system. Its software platform features integrated third-party service providers, such as registered payment gateways, credit bureaus, two-way texting, credit protection insurance and decision-making platforms. Its products include Loan Origination System, Theme Studio Business Online, Credit Inquiries, and Credit Protection and Life Insurance, among others. The Loan Origination System provides Automated Credit Provider Administration System, a software system that leases on a monthly basis to customers to manage businesses, clients and processes. Theme Studio Business Online provides customized websites with ACPAS system to customers. It also specializes in providing anti-money laundering solutions.

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Market Cap	15.9M 13.67M 12.86M 11.74M 21.9M 1.51B 22.01M 152M 58.95M 770M 59.7M 58.4M 2.45B	P/E 2025	-21x	P/E 2026	-12.3x
Enterprise Value	16.34M 14.05M 13.22M 12.06M 22.51M 1.55B 22.63M 157M 60.6M 792M 61.37M 60.03M 2.52B	EV / Sales 2025	16.5x	EV / Sales 2026	24x
Free-Float	15.13%	Yield 2025 *	-	Yield 2026	-

07-14	UPAY, Inc. Reports Earnings Results for the First Quarter Ended May 31, 2026	CI
07-02	UPAY, Inc. Announces Appointment of Wynand Jordaan as Non-Executive Director, Effective July 1, 2026	CI
06-02	UPAY, Inc. Reports Earnings Results for the Full Year Ended February 28, 2026	CI
06-01	UPAY, Inc. Auditor Raises 'Going Concern' Doubt	CI
01-12	UPAY, Inc. Reports Earnings Results for the Third Quarter and Nine Months Ended November 30, 2025	CI
25-10-27	Upay CEO elected to Casa board for two-year term -- joining the first board constituted after industry rebrand	RE
25-10-10	UPAY, Inc. Reports Earnings Results for the Second Quarter and Six Months Ended August 31, 2025	CI
25-09-17	Upay announces appointment of Richard K. Pellerin to its board of directors	RE
25-09-17	Upay Inc. Announces Appointment of Richard K. Pellerin as Director, Effective Date Is September 20, 2025	CI
25-09-04	ACPAS Signs Multi-Phase Development Deal with Leading Pan-African Finance Group to Launch Customized Lending Solutions	CI
25-07-22	UPAY, Inc. Reports Earnings Results for the First Quarter Ended May 31, 2025	CI
25-06-02	UPAY, Inc. Reports Earnings Results for the Full Year Ended February 28, 2025	CI
25-06-01	UPAY, Inc. Auditor Raises 'Going Concern' Doubt	CI

08-19	UPAY Inc. Subsidiary AML GO (Pty) Ltd Appoints Marina Short as Chief Executive Officer	AQ
08-14	UPAY Inc. Launches Petra Software Website	AQ
07-03	UPAY Inc. Announces Appointment of Wynand Jordaan as Non-Executive Director	AQ
06-30	UPAY Inc. Announces Petra Software Transaction	AQ
06-02	UPAY : Annual Report for Fiscal Year Ending February 28, 2026 (Form 10-K)	PU

Current year	0.9	1.21
1 year	0.89	4.75
3 years	0.51	4.75
5 years	0.5	4.75
10 years	0.5	4.75

Manager	Title	Age	Since
Jacob Folsher CEO	Chief Executive Officer	48	2022-02-02
Anita Roestof ADM	Chief Administrative Officer	-	-
Randy Greene COO	Chief Operating Officer	60	2023-02-28

UPAY, Inc. Stock

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UPYY

US9032121082

Software

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Company Profile

Director	Title	Age	Since
Jacob Folsher BRD	Director/Board Member	48	2015-07-07
Peter Swanepoel BRD	Director/Board Member	48	2022-08-31
Randy Greene BRD	Director/Board Member	60	2023-02-28

Date	Insider	Type	Main position	Quantity	% Market Cap.	Importance
6/3/25	Emerging Markets Consulting LLC	Other	Company	0	0%	-
6/3/25	Emerging Markets Consulting LLC	Sell	Company	75,000	0.4621%

Add to a list 0 selected To use this feature you must be a member Log in Sign up	Change	5-day change	1-year change	3-year change	Capi.($)
UPAY, INC.	-10.00%	-.--%	-35.71%	-10.00%	15.9M
MICROSOFT CORPORATION	-1.15%	-1.41%	-0.85%	+47.77%	3,711B
PALANTIR TECHNOLOGIES INC.	-2.31%	-5.35%	+9.10%	+1,025.58%	419B
CADENCE DESIGN SYSTEMS, INC.	-2.93%	-9.24%	-21.22%	+19.38%	80.61B
DATADOG, INC.	-1.27%	-6.08%	+54.08%	+115.27%	76.46B
SYNOPSYS, INC.	-0.46%	-5.49%	-35.64%	-14.62%	75.47B
SEA LIMITED	+1.11%	+0.60%	-40.53%	+196.29%	68.65B
ATLASSIAN CORPORATION	-6.94%	-5.67%	+2.15%	-14.61%	47.99B
TAKE-TWO INTERACTIVE SOFTWARE, INC.	-0.65%	-1.56%	-14.27%	+49.39%	40.14B
TWILIO INC.	-3.04%	-1.21%	+107.09%	+244.98%	35.78B
Average	-1.59%	-4.34%	+2.42%	+165.94%	455.46B
Weighted average by Cap.	-0.18%	-2.25%	+0.21%	+140.45%

	2025	2026
Net sales	715K 615K 579K 528K 985K 67.81M 990K 6.86M 2.65M 34.66M 2.69M 2.63M 110M	746K 642K 604K 551K 1.03M 70.75M 1.03M 7.15M 2.77M 36.16M 2.8M 2.74M 115M
Net income	-540K -464K -437K -399K -744K -51.2M -748K -5.18M -2M -26.17M -2.03M -1.98M -83.28M	-1.41M -1.21M -1.14M -1.04M -1.94M -133M -1.95M -13.48M -5.22M -68.16M -5.28M -5.17M -217M
Net Debt	434K 373K 351K 320K 597K 41.11M 600K 4.16M 1.61M 21.01M 1.63M 1.59M 66.87M	445K 383K 360K 329K 613K 42.21M 616K 4.27M 1.65M 21.57M 1.67M 1.64M 68.65M