Upay Inc Stock Performance
| UPYY Stock | USD 1.20 0.00 0.00% |
UPAY holds a performance score of 6 on a scale of zero to a hundred. The entity owns a Beta (Systematic Risk) of -0.15, which indicates not very significant fluctuations relative to the market. As returns on the market increase, returns on owning UPAY are expected to decrease at a much lower rate. During the bear market, UPAY is likely to outperform the market. Use UPAY Inc skewness, day median price, as well as the relationship between the maximum drawdown and variance , to analyze future returns on UPAY Inc.
Risk-Adjusted Performance
Mild
Weak | Strong |
Compared to the overall equity markets, risk-adjusted returns on investments in UPAY Inc are ranked lower than 6 (%) of all global equities and portfolios over the last 90 days. In spite of fairly fragile basic indicators, UPAY showed solid returns over the last few months and may actually be approaching a breakup point. ...more
| Begin Period Cash Flow | 307.9 K | |
| Total Cashflows From Investing Activities | -4096.00 |
UPAY |
UPAY Relative Risk vs. Return Landscape
If you would invest 98.00 in UPAY Inc on November 13, 2025 and sell it today you would earn a total of 22.00 from holding UPAY Inc or generate 22.45% return on investment over 90 days. UPAY Inc is currently generating 1.2315% in daily expected returns and assumes 15.2044% risk (volatility on return distribution) over the 90 days horizon. In different words, most equities are less risky than UPAY, and most traded equity instruments are projected to make higher returns than the company over the 90 days investment horizon. Expected Return |
| Risk |
UPAY Target Price Odds to finish over Current Price
The tendency of UPAY OTC Stock price to converge on an average value over time is a known aspect in finance that investors have used since the beginning of the stock market for forecasting. However, many studies suggest that some traded equity instruments are consistently mispriced before traders' demand and supply correct the spread. One possible conclusion to this anomaly is that these stocks have additional risk, for which investors demand compensation in the form of extra returns.
| Current Price | Horizon | Target Price | Odds to move above the current price in 90 days |
| 1.20 | 90 days | 1.20 | about 72.37 |
Based on a normal probability distribution, the odds of UPAY to move above the current price in 90 days from now is about 72.37 (This UPAY Inc probability density function shows the probability of UPAY OTC Stock to fall within a particular range of prices over 90 days) .
UPAY Price Density |
| Price |
Predictive Modules for UPAY
There are currently many different techniques concerning forecasting the market as a whole, as well as predicting future values of individual securities such as UPAY Inc. Regardless of method or technology, however, to accurately forecast the otc stock market is more a matter of luck rather than a particular technique. Nevertheless, trying to predict the otc stock market accurately is still an essential part of the overall investment decision process. Using different forecasting techniques and comparing the results might improve your chances of accuracy even though unexpected events may often change the market sentiment and impact your forecasting results.Sophisticated investors, who have witnessed many market ups and downs, anticipate that the market will even out over time. This tendency of UPAY's price to converge to an average value over time is called mean reversion. However, historically, high market prices usually discourage investors that believe in mean reversion to invest, while low prices are viewed as an opportunity to buy.
UPAY Risk Indicators
For the most part, the last 10-20 years have been a very volatile time for the stock market. UPAY is not an exception. The market had few large corrections towards the UPAY's value, including both sudden drops in prices as well as massive rallies. These swings have made and broken many portfolios. An investor can limit the violent swings in their portfolio by implementing a hedging strategy designed to limit downside losses. If you hold UPAY Inc, one way to have your portfolio be protected is to always look up for changing volatility and market elasticity of UPAY within the framework of very fundamental risk indicators.α | Alpha over Dow Jones | 1.19 | |
β | Beta against Dow Jones | -0.15 | |
σ | Overall volatility | 0.32 | |
Ir | Information ratio | 0.07 |
UPAY Alerts and Suggestions
In today's market, stock alerts give investors the competitive edge they need to time the market and increase returns. Checking the ongoing alerts of UPAY for significant developments is a great way to find new opportunities for your next move. Suggestions and notifications for UPAY Inc can help investors quickly react to important events or material changes in technical or fundamental conditions and significant headlines that can affect investment decisions.| UPAY Inc is way too risky over 90 days horizon | |
| UPAY Inc may become a speculative penny stock | |
| UPAY Inc appears to be risky and price may revert if volatility continues | |
| UPAY Inc currently holds 143.8 K in liabilities with Debt to Equity (D/E) ratio of 5.97, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. UPAY Inc has a current ratio of 0.55, indicating that it has a negative working capital and may not be able to pay financial obligations when due. Debt can assist UPAY until it has trouble settling it off, either with new capital or with free cash flow. So, UPAY's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like UPAY Inc sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for UPAY to invest in growth at high rates of return. When we think about UPAY's use of debt, we should always consider it together with cash and equity. | |
| The entity reported the previous year's revenue of 1.46 M. Net Loss for the year was (368.85 K) with profit before overhead, payroll, taxes, and interest of 953.41 K. | |
| About 95.0% of UPAY outstanding shares are owned by insiders |
UPAY Fundamentals Growth
UPAY OTC Stock prices reflect investors' perceptions of the future prospects and financial health of UPAY, and UPAY fundamentals are critical determinants of its market performance. Overall, investors pay close attention to revenue and earnings growth, profit margins, and debt levels. These fundamentals can have a significant impact on UPAY OTC Stock performance.
| Return On Equity | -8.04 | |||
| Return On Asset | -0.0474 | |||
| Profit Margin | (0.09) % | |||
| Operating Margin | (0.04) % | |||
| Current Valuation | 17.16 M | |||
| Shares Outstanding | 17.16 M | |||
| Price To Book | 481.36 X | |||
| Price To Sales | 11.74 X | |||
| Revenue | 1.46 M | |||
| EBITDA | (256.53 K) | |||
| Cash And Equivalents | 366.82 K | |||
| Cash Per Share | 0.02 X | |||
| Total Debt | 143.8 K | |||
| Debt To Equity | 5.97 % | |||
| Book Value Per Share | (0.02) X | |||
| Cash Flow From Operations | 788.82 K | |||
| Earnings Per Share | (0.01) X | |||
| Total Asset | 1.45 M | |||
About UPAY Performance
Evaluating UPAY's performance through its fundamental ratios, provides valuable insights into its operational efficiency and profitability. For instance, if UPAY has a high ROA and ROE, it suggests that the company is efficiently using its assets and equity to generate substantial profits, making it an attractive investment. Conversely, if UPAY has a low ROA and ROE, it may indicate underlying issues in asset and equity management, signaling a need for operational improvements. Please also refer to our technical analysis and fundamental analysis pages.
UPAY, Inc. provides a web-based client and loan administration software platform under the automated credit provider administration system name to registered lenders in South Africa. The company was founded in 2008 and is based in Dallas, Texas. Upay operates under SoftwareApplication classification in the United States and is traded on OTC Exchange. It employs 11 people.Things to note about UPAY Inc performance evaluation
Checking the ongoing alerts about UPAY for important developments is a great way to find new opportunities for your next move. OTC Stock alerts and notifications screener for UPAY Inc help investors to be notified of important events, changes in technical or fundamental conditions, and significant headlines that can affect investment decisions.| UPAY Inc is way too risky over 90 days horizon | |
| UPAY Inc may become a speculative penny stock | |
| UPAY Inc appears to be risky and price may revert if volatility continues | |
| UPAY Inc currently holds 143.8 K in liabilities with Debt to Equity (D/E) ratio of 5.97, indicating the company may have difficulties to generate enough cash to satisfy its financial obligations. UPAY Inc has a current ratio of 0.55, indicating that it has a negative working capital and may not be able to pay financial obligations when due. Debt can assist UPAY until it has trouble settling it off, either with new capital or with free cash flow. So, UPAY's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like UPAY Inc sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for UPAY to invest in growth at high rates of return. When we think about UPAY's use of debt, we should always consider it together with cash and equity. | |
| The entity reported the previous year's revenue of 1.46 M. Net Loss for the year was (368.85 K) with profit before overhead, payroll, taxes, and interest of 953.41 K. | |
| About 95.0% of UPAY outstanding shares are owned by insiders |
- Analyzing UPAY's financial statements, including its income statement, balance sheet, and cash flow statement, helps in understanding its overall financial health and growth potential.
- Getting a closer look at valuation ratios like price-to-earnings (P/E) ratio, price-to-sales (P/S) ratio, and price-to-book (P/B) ratio help in understanding whether UPAY's stock is overvalued or undervalued compared to its peers.
- Examining UPAY's industry or sector and how it is performing can give you an idea of its growth potential and how it is positioned relative to its competitors.
- Evaluating UPAY's management team can have a significant impact on its success or failure. Reviewing the track record and experience of UPAY's management team can help you assess the OTC Stock's leadership.
- Pay attention to analyst opinions and ratings of UPAY's otc stock. These opinions can provide insight into UPAY's potential for growth and whether the stock is currently undervalued or overvalued.
Additional Tools for UPAY OTC Stock Analysis
When running UPAY's price analysis, check to measure UPAY's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy UPAY is operating at the current time. Most of UPAY's value examination focuses on studying past and present price action to predict the probability of UPAY's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move UPAY's price. Additionally, you may evaluate how the addition of UPAY to your portfolios can decrease your overall portfolio volatility.