📊 UPYY Key Takeaways
Is Upay (UPYY) a Good Investment?
Company is technically insolvent with negative stockholders' equity of -$486.4K and liabilities exceeding assets. Severe 48.7% YoY revenue collapse combined with -$349.3K operating losses, negative free cash flow of -$260.2K, and current ratio of 0.41x indicate critical financial distress and bankruptcy risk.
Why Buy Upay Stock? UPYY Key Strengths
- Gross margin of 73.8% demonstrates product cost structure efficiency despite revenue collapse
- No material long-term debt limits debt maturity refinancing pressures
- SaaS business model retains scalability potential if operations stabilize
UPYY Stock Risks: Upay Investment Risks
- Negative stockholders equity of -$486.4K indicates technical insolvency and restructuring/bankruptcy risk
- Current ratio of 0.41x reflects severe liquidity crisis with insufficient assets to cover short-term obligations
- Operating cash flow deeply negative at -$259.4K with 48.7% revenue decline signals unsustainable operations
- Zero insider activity in 90 days suggests management has no confidence in recovery
- Company burning cash with 47.8% FCF margin, unsustainable at current burn rate
Key Metrics to Watch
- Stockholders equity trend - recovery from negative territory required for viability
- Operating cash flow restoration to positive - critical measure of operational sustainability
- Revenue stabilization - any halt to 48.7% YoY decline would indicate business stabilization
Upay (UPYY) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
UPYY Profit Margin, ROE & Profitability Analysis
UPYY vs Technology Sector: How Upay Compares
How Upay compares to Technology sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Upay Stock Overvalued? UPYY Valuation Analysis 2026
Based on fundamental analysis, Upay has mixed fundamental signals relative to the Technology sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Upay Balance Sheet: UPYY Debt, Cash & Liquidity
UPYY Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Upay's revenue has shown modest growth of 2% over the 5-year period. The most recent EPS of $-0.04 indicates the company is currently unprofitable.
UPYY Revenue Growth, EPS Growth & YoY Performance
UPYY Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $150.4K | -$117.3K | $-0.01 |
| Q2 2025 | $168.1K | -$117.3K | $-0.01 |
| Q1 2025 | $170.4K | -$142.0K | $-0.01 |
| Q3 2024 | $150.4K | -$32.2K | $-0.01 |
| Q2 2024 | $168.1K | -$32.2K | $-0.01 |
| Q1 2024 | $257.2K | -$32.2K | $0.00 |
| Q3 2023 | $325.3K | $1.1K | $0.00 |
| Q2 2023 | $321.0K | $1.1K | $0.00 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Upay Dividends, Buybacks & Capital Allocation
UPYY SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Upay (CIK: 0001677897)
📋 Recent SEC Filings
❓ Frequently Asked Questions about UPYY
What is the AI rating for UPYY?
Upay (UPYY) has an AI rating of STRONG SELL with 95% confidence, based on fundamental analysis of SEC EDGAR filings.
What are UPYY's key strengths?
Claude: Gross margin of 73.8% demonstrates product cost structure efficiency despite revenue collapse. No material long-term debt limits debt maturity refinancing pressures.
What are the risks of investing in UPYY?
Claude: Negative stockholders equity of -$486.4K indicates technical insolvency and restructuring/bankruptcy risk. Current ratio of 0.41x reflects severe liquidity crisis with insufficient assets to cover short-term obligations.
What is UPYY's revenue and growth?
Upay reported revenue of $543.9K.
Does UPYY pay dividends?
Upay does not currently pay dividends.
Where can I find UPYY SEC filings?
Official SEC filings for Upay (CIK: 0001677897) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is UPYY's EPS?
Upay has a diluted EPS of $-0.08.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is UPYY a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, Upay has a STRONG SELL rating with 95% confidence. Review the strengths and risks sections above before making a decision. This is not investment advice.
Is UPYY stock overvalued or undervalued?
Valuation metrics for UPYY: ROE of N/A (sector avg: 22%), net margin of -237.4% (sector avg: 18%). Compare these metrics with sector averages to assess valuation.
Should I buy UPYY stock in 2026?
Our dual AI analysis gives Upay a combined STRONG SELL rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is UPYY's free cash flow?
Upay's operating cash flow is $-259.4K, with capital expenditures of $842.0. FCF margin is -47.8%.
How does UPYY compare to other Technology stocks?
Vs Technology sector averages: Net margin -237.4% (avg: 18%), ROE N/A (avg: 22%), current ratio 0.41 (avg: 2.5).