Upay
UPYYUpay
On November 4, 2015, we conducted the Share Exchange with Rent Pay, which became our wholly owned subsidiary Industry Background Consumer Lending and Credit Management Industry - United States The consumer lending and alternative financial services industry in the United States represents a significant market segment that includes payday lending, installment lending, check cashing, and other sh…
The business is unprofitable at the operating level (-60.77% margin). The thesis depends entirely on whether and when it reaches sustainable profitability.
Revenue grew 4.3%, steady but not accelerating.
ROIC dropped from -1495.02% to -21866.25%, capital efficiency is deteriorating. Negative free cash flow of -$290K. The business is consuming cash, not generating it.
Profitability & Returns
Revenue (TTM)
$802K
▲ +4.3% YoY
Net Income (TTM)
-$1M
▼ -160.5% YoY
Op. Margin
-53.07%
▲ +10.4pp YoY
ROIC
-6644.66%
▼ -20371.2pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
-$235K
▲ +62.1% YoY
Op. Cash Flow (TTM)
-$232K
▲ +62.3% YoY
Net Debt
-$90K
Net Cash Position
Cash & Equiv.
$92K
5Y CAGR: -7.6%
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SourceComputed from the 10-Q filed 14 Jul 2026, covering the period ending 31 May 2026, as reported to the SEC. Data last refreshed 15 Jul 2026. How this is calculated.
Fiscal year ends Feb. Sector medians are approximate S&P 500 benchmarks and update periodically.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.