UPAY Inc Net Income
| UPYY Stock | USD 1.20 0.00 0.00% |
As of the 10th of February, UPAY owns the standard deviation of 14.82, and Risk Adjusted Performance of 0.0719. In relation to fundamental indicators, the technical analysis model makes it possible for you to check practical technical drivers of UPAY Inc, as well as the relationship between them. Strictly speaking, you can use this information to find out if the company will indeed mirror its model of historical prices and volume patterns, or the prices will eventually revert. We have analyzed and interpolated thirteen technical drivers for UPAY, which can be compared to its peers in the sector.
UPAY's financial statements offer valuable quarterly and annual insights to potential investors, highlighting the company's current and historical financial position, overall management performance, and changes in financial standing over time. Key fundamentals influencing UPAY's valuation are provided below:UPAY Inc does not now have any fundamental measures for analysis. This module does not cover all equities due to inconsistencies in global equity categorizations. Continue to Equity Screeners to view more equity screening tools. UPAY |
UPAY 'What if' Analysis
In the world of financial modeling, what-if analysis is part of sensitivity analysis performed to test how changes in assumptions impact individual outputs in a model. When applied to UPAY's otc stock what-if analysis refers to the analyzing how the change in your past investing horizon will affect the profitability against the current market value of UPAY.
| 11/12/2025 |
| 02/10/2026 |
If you would invest 0.00 in UPAY on November 12, 2025 and sell it all today you would earn a total of 0.00 from holding UPAY Inc or generate 0.0% return on investment in UPAY over 90 days. UPAY is related to or competes with Good Gamer. UPAY, Inc. provides a web-based client and loan administration software platform under the automated credit provider adm... More
UPAY Upside/Downside Indicators
Understanding different market momentum indicators often help investors to time their next move. Potential upside and downside technical ratios enable traders to measure UPAY's otc stock current market value against overall market sentiment and can be a good tool during both bulling and bearish trends. Here we outline some of the essential indicators to assess UPAY Inc upside and downside potential and time the market with a certain degree of confidence.
| Information Ratio | 0.0713 | |||
| Maximum Drawdown | 154.08 | |||
| Value At Risk | (2.02) | |||
| Potential Upside | 10.11 |
UPAY Market Risk Indicators
Today, many novice investors tend to focus exclusively on investment returns with little concern for UPAY's investment risk. Other traders do consider volatility but use just one or two very conventional indicators such as UPAY's standard deviation. In reality, there are many statistical measures that can use UPAY historical prices to predict the future UPAY's volatility.| Risk Adjusted Performance | 0.0719 | |||
| Jensen Alpha | 1.16 | |||
| Total Risk Alpha | (0.49) | |||
| Treynor Ratio | (6.26) |
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 February 10, 2026 Technical Indicators
| Cycle Indicators | ||
| Math Operators | ||
| Math Transform | ||
| Momentum Indicators | ||
| Overlap Studies | ||
| Pattern Recognition | ||
| Price Transform | ||
| Statistic Functions | ||
| Volatility Indicators | ||
| Volume Indicators |
| Risk Adjusted Performance | 0.0719 | |||
| Market Risk Adjusted Performance | (6.25) | |||
| Mean Deviation | 4.43 | |||
| Coefficient Of Variation | 1283.97 | |||
| Standard Deviation | 14.82 | |||
| Variance | 219.72 | |||
| Information Ratio | 0.0713 | |||
| Jensen Alpha | 1.16 | |||
| Total Risk Alpha | (0.49) | |||
| Treynor Ratio | (6.26) | |||
| Maximum Drawdown | 154.08 | |||
| Value At Risk | (2.02) | |||
| Potential Upside | 10.11 | |||
| Skewness | 4.69 | |||
| Kurtosis | 38.56 |
UPAY Inc Backtested Returns
UPAY is out of control given 3 months investment horizon. UPAY Inc retains Efficiency (Sharpe Ratio) of 0.081, which indicates the firm had a 0.081 % return per unit of volatility over the last 3 months. We have analyzed and interpolated eighteen different technical indicators, which can help you to evaluate if expected returns of 1.23% are justified by taking the suggested risk. Use UPAY Inc risk adjusted performance of 0.0719, and Standard Deviation of 14.82 to evaluate company specific risk that cannot be diversified away. UPAY holds a performance score of 6 on a scale of zero to a hundred. The entity owns a Beta (Systematic Risk) of -0.18, 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.
Auto-correlation | 0.35 |
Below average predictability
UPAY Inc has below average predictability. Overlapping area represents the amount of predictability between UPAY time series from 12th of November 2025 to 27th of December 2025 and 27th of December 2025 to 10th of February 2026. The more autocorrelation exist between current time interval and its lagged values, the more accurately you can make projection about the future pattern of UPAY Inc price movement. The serial correlation of 0.35 indicates that nearly 35.0% of current UPAY price fluctuation can be explain by its past prices.
| Correlation Coefficient | 0.35 | |
| Spearman Rank Test | -0.43 | |
| Residual Average | 0.0 | |
| Price Variance | 0.01 |
Because income is reported on the Income Statement of a company and is measured in dollars some investors prefer to use Profit Margin, which measures income as a percentage of sales.
| Competition |
Based on the recorded statements, UPAY Inc reported net income of (368,851). This is 100.07% lower than that of the Technology sector and significantly lower than that of the Software—Application industry. The net income for all United States stocks is 100.06% higher than that of the company.
UPAY Net Income Peer Comparison
Stock peer comparison is one of the most widely used and accepted methods of equity analyses. It analyses UPAY's direct or indirect competition against its Net Income to detect undervalued stocks with similar characteristics or determine the otc stocks which would be a good addition to a portfolio. Peer analysis of UPAY could also be used in its relative valuation, which is a method of valuing UPAY by comparing valuation metrics of similar companies.UPAY is currently under evaluation in net income category among its peers.
UPAY Fundamentals
| 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 | |||
| Shares Owned By Insiders | 94.54 % | |||
| Price To Book | 481.36 X | |||
| Price To Sales | 11.74 X | |||
| Revenue | 1.46 M | |||
| Gross Profit | 953.41 K | |||
| EBITDA | (256.53 K) | |||
| Net Income | (368.85 K) | |||
| Cash And Equivalents | 366.82 K | |||
| Cash Per Share | 0.02 X | |||
| Total Debt | 143.8 K | |||
| Debt To Equity | 5.97 % | |||
| Current Ratio | 0.56 X | |||
| Book Value Per Share | (0.02) X | |||
| Cash Flow From Operations | 788.82 K | |||
| Earnings Per Share | (0.01) X | |||
| Number Of Employees | 11 | |||
| Beta | 0.31 | |||
| Market Capitalization | 17.16 M | |||
| Total Asset | 1.45 M | |||
| Z Score | 72.4 | |||
| Net Asset | 1.45 M |
About UPAY Fundamental Analysis
The Macroaxis Fundamental Analysis modules help investors analyze UPAY Inc's financials across various querterly and yearly statements, indicators and fundamental ratios. We help investors to determine the real value of UPAY using virtually all public information available. We use both quantitative as well as qualitative analysis to arrive at the intrinsic value of UPAY Inc based on its fundamental data. In general, a quantitative approach, as applied to this otc stock, focuses on analyzing financial statements comparatively, whereas a qaualitative method uses data that is important to a company's growth but cannot be measured and presented in a numerical way.
Please read more on our fundamental analysis page.
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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.