UPAY Valuation Multiples
Discover UPAY's revenue and EBITDA valuation multiples and M&A history.
UPAY Overview
About UPAY
UPAY Inc is engaged in providing automated loan management systems and payment processing solutions. The solutions enable payroll administrators and credit providers to view, manage, and control their business from anywhere and at any time. The loan administration software is offered to credit providers, retail stores, and the provisional service industry such as doctors, lawyers, accountants, and others. The company has operations in the USA and South Africa.
Founded
2015
HQ
Employees
16
Website
Financials (FY)
EV
$16M
Valuation Multiples
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UPAY Financials
UPAY reported last fiscal year revenue of $746K and negative EBITDA of ($1M).
In the same fiscal year, UPAY generated $548K in gross profit, ($1M) in EBITDA losses, and had net loss of ($1M).
UPAY P&L
In the most recent fiscal year, UPAY reported revenue of $746K and EBITDA of ($1M).
UPAY is unprofitable as of last fiscal year, with gross margin of 73%, EBITDA margin of (181%), and net margin of (188%).
Financial data powered by Morningstar, Inc.
UPAY Stock Performance
UPAY has current market cap of $16M, and enterprise value of $16M.
UPAY's stock price is $0.90.
UPAY has an EPS (earnings per share) of $-0.08.
| EV | Market Cap | Price 1D | Price 1M | Price 3M | Price 12M | EPS |
|---|---|---|---|---|---|---|
| $16M | $16M | 0.0% | - | - | - | $-0.08 |
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Start Free TrialUPAY Valuation Multiples
UPAY trades at 21.8x EV/Revenue multiple, and (12.1x) EV/EBITDA.
UPAY Financial Valuation Multiples
As of August 14, 2026, UPAY has market cap of $16M and EV of $16M.
UPAY has a P/E ratio of (11.3x).
Multiples above and below 250x are considered non-meaningful (n/m). Valuation data powered by FactSet, Inc. and Morningstar, Inc.
Verified UPAY Valuation Multiples
Access all public comps and forward-looking valuation multiples like EV/Revenue in 2027, based on consensus analyst estimates. Powered by FactSet and Morningstar.
UPAY Margins & Growth Rates
In the most recent fiscal year, UPAY reported gross margin of 73%, EBITDA margin of (181%), and net margin of (188%).
UPAY Margins
UPAY Growth Rates
Data powered by FactSet, Inc. and Morningstar, Inc.
UPAY Operational KPIs
UPAY's revenue per employee in the last FY averaged $0.0M, while opex per employee averaged $0.1M for the same period.
UPAY's Rule of 40 is (180%) (metric relevant for SaaS companies only, counted as combined revenue growth rate and EBITDA margin).
UPAY's Rule of X is (179%) (created by Bessemer, Rule of X is another metric to measure SaaS companies, ~1.5x stronger vs. the traditional Rule of 40, counted as revenue growth rate multiplied by 2.5 plus EBITDA margin).
Data powered by FactSet, Inc. and Morningstar, Inc.
UPAY Competitors
| EV/Revenue | EV/EBITDA | |||||
|---|---|---|---|---|---|---|
| Last FY | LTM | 2027E | Last FY | LTM | 2027E | |
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Acquisitions by UPAY
UPAY has acquired 1 company to date.
Last acquisition by UPAY was on June 5th 2024. UPAY acquired Huntpal for undisclosed valuation.
Latest Acquisitions by UPAY
![](data:image/svg+xml,<svg xmlns="http://www.w3.org/2000/svg" width="20" height="20" viewBox="0 0 20 20"><rect fill="%23e5e7eb" width="20" height="20" rx="4"/></svg>){kind=small} Huntpal | |
| Description | Huntpal is a Cape Town-based operator offering guided hunting safaris and adventure packages in South Africa's Limpopo and Eastern Cape provinces, emphasizing ethical wildlife management and luxury lodges for international trophy hunters. |
| HQ Country |  |
| HQ City | Tampa, FL |
| Deal Date | 5 Jun 2024 |
| Valuation | undisclosed |
| EV/Revenue | |
| EV/EBITDA | |
This data is available for Pro users. Sign up to see all UPAY acquisitions and their M&A valuation multiples. Start Free Trial | |
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Start Free TrialAbout UPAY
| When was UPAY founded? | UPAY was founded in 2015. |
| Where is UPAY headquartered? | UPAY is headquartered in United States. |
| How many employees does UPAY have? | As of today, UPAY has over 16 employees. |
| Is UPAY publicly listed? | Yes, UPAY is a public company listed on OTCM. |
| What is the stock symbol of UPAY? | UPAY trades under UPYY ticker. |
| When did UPAY go public? | UPAY went public in 2020. |
| Who are competitors of UPAY? | UPAY main competitors include |
| What is the current market cap of UPAY? | UPAY's current market cap is $16M. |
| What is the current revenue of UPAY? | UPAY's last fiscal year revenue is $746K. |
| What is the current EV/Revenue multiple of UPAY? | Current revenue multiple of UPAY is 21.8x. |
| Is UPAY profitable? | No, UPAY is not profitable. |
| How many companies UPAY has acquired to date? | As of August 2026, UPAY has acquired 1 company. |
| What was the largest acquisition by UPAY? | None of the M&A deals UPAY has completed have disclosed valuations. |
| What companies UPAY acquired? | UPAY acquired Huntpal. |
| In how many companies UPAY has invested to date? | UPAY hasn't invested in any companies yet (or none have been disclosed publicly). |
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