Stock fact sheet · data as of
UPAY, Inc. (UPYY): fair value, margin of safety and Wheel Score
Technology · Software - Application · United States · Speculative / Distressed
Is UPYY undervalued?
At 0.9000 (close of 16 Oct 2026), UPYY trades 11% over the GLS average fair value of 0.8086. 0 of the 1 models land above the price and 1 below. A negative margin of safety costs Value points in the Wheel Score (8 of 25 here) - the models see no discount, which does not make the business a poor one, only the price a full one.
The average is built from just 1 models (10 Cap) - the rest returned nothing because an input they need (dividends, free cash flow, book value) is zero or negative - so treat it with more caution than usual.
The nightly engine files UPYY under Speculative / Distressed - negative earnings or a Piotroski score of 3 or less - which caps its Wheel Score at 45 and keeps it out of the Sunday Scan.
Nine valuation models for UPYY
Each model turns the latest filed numbers into a value per share; the GLS fair value is the simple average of the ones that produce a positive number. The last two rows are shown for reference and never enter the average. The Quote page lets you switch any model off and add your own margin of safety.
| Model | Value | vs price | What it measures |
|---|---|---|---|
| DCF | - | - | Present value of the projected free cash flows, discounted at the cost of capital; no value tonight |
| Graham Number | - | - | The most a defensive investor pays for the earnings and book value per share; no value tonight |
| Graham Growth | - | - | Graham's growth formula: EPS × (8.5 + 2 × growth), adjusted for bond yields; no value tonight |
| Lynch | - | - | EPS × the earnings growth rate (PEG of 1), growth capped at 25%; no value tonight |
| GLS Growth | - | - | EPS compounded ten years at the blended growth rate, discounted back at 15% a year; no value tonight |
| 10 Cap | 0.8086 | -10% | Owner's earnings (operating cash flow less maintenance capex) capitalised at 10% |
| Payback Time | - | - | Eight years of compounded free cash flow: the price at which the business pays for itself; no value tonight |
| DDM | - | - | Dividend discount model: next year's dividend ÷ (10% − 3% growth); needs a dividend; no value tonight |
| EPV | - | - | Earnings power value: current EPS capitalised at 9% with no growth; no value tonight |
| Zombie (liquidation) | -0.0333 | -104% | Current assets less all liabilities, per share: the balance-sheet floor. Not in the average |
| Wall St target | 0.0000 | -100% | Analysts' average 12-month price target. Not in the average |
Quality and financial health
UPAY, Inc. scores only 3 of 9 on the Piotroski F-score, which fails the Sunday Scan's "6 or more" rule. A reading this low means several of the basic tests - positive earnings, positive operating cash flow, falling debt, no new share issuance - are not met. A GLS Moat score of 1.9/10 is a weak reading: the ten-year history the score grades (revenue, EPS, book value, margins, cash flow, share count, ROIC) has not been steady, so the Moat part of the Wheel Score contributes little.
Returns on capital are thin or negative - ROIC -5095.0%, ROE 273.7%, ROA -618.5% - with debt at -1.05 times equity and negative free cash flow.
UPAY, Inc. pays no dividend, so the DDM model does not apply and a covered-call holder earns only the premium and any price gain.
Institutional ownership scores 5/10, insider activity 5/10 and Congressional trading 5/10 on the GLS smart-money scales.
| Piotroski F-score | 3 / 9 | ROIC | -5095.0% |
|---|---|---|---|
| GLS Moat | 1.9 / 10 | ROE | 273.7% |
| Debt / equity | -1.05 | ROA | -618.5% |
| Free-cash-flow yield | -1.5% | Payout ratio | 0% |
| Institutions | 5 / 10 | Insiders · Congress | 5 · 5 / 10 |
Wheel Score 23: No options
No options are listed on UPAY, Inc. in our nightly snapshot. The Wheel Score is therefore capped at 39 (it reads 23) and the stock is left out of every options screen; the fair value and health figures above are still useful for a plain stock position.
Volume runs at 0k shares a day on a market cap of $16M, with a beta of 0.51 - a low beta, so day-to-day moves are smaller than the market's; the Stability part of the Wheel Score gives that 6 of 20.
| Part | Points | From | |
|---|---|---|---|
| Value | 8 / 25 | -11% margin of safety | |
| Health | 7 / 20 | Piotroski 3/9 | |
| Moat | 3 / 15 | moat 1.9/10 | |
| Premium | 0 / 20 | no option data | |
| Stability | 6 / 20 | 0k shares/day, $16M cap, beta 0.51 |
The Wheel Score ranks ~7,400 US stocks for selling cash-secured puts and covered calls; it is updated nightly and is not a recommendation. The walkthrough lesson shows how the score fits into a trade, start to finish.
Upcoming events
No upcoming earnings date is recorded for UPYY in the nightly calendar.
Earnings, dividend, IPO, split and economic calendars for the whole market, filterable to your watchlists.
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The 12 companies below are the closest to UPAY, Inc. by market cap within the Software - Application industry, each with its own fact sheet; the Compare page puts up to eight of them side by side.
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|---|---|---|---|---|---|
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| BYSD Bayside Corporation | 0.9500 | - | - | 26No options | $15M |
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| SPPL Simpple Ltd. | 1.73 | - | - | 27No options | $17M |
| AIFF Firefly Neuroscience, Inc. | 1.10 | - | - | 28No options | $17M |
| AVAI Avai Bio, Inc. | 0.1140 | - | - | 26No options | $18M |
| ELCO Elcom International Inc. | 35.00 | - | - | 28No options | $18M |
| VIP Vulcan Infrastructure and Power Inc. Class A | 1.26 | 0.7280 | -73% | 2No options | $18M |
| SST System1, Inc. | 2.08 | - | - | 25No options | $18M |
| TRSO Transuite.Org Inc. | 0.1799 | 0.0075 | -2297% | 14No options | $14M |
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Start free See the Sunday ScanQuestions about UPYY
Is UPYY undervalued right now?
No: at 0.9000 the stock trades 11% above the GLS average fair value of 0.8086 (data as of 16 Oct 2026). The margin of safety is negative.
What is the Wheel Score of UPYY and what does it mean?
UPYY has no listed options in our nightly snapshot, so it cannot be wheeled; its Wheel Score is capped at 39 and shown as "No options".
What is the GLS fair value for UPYY?
0.8086 per share as of 16 Oct 2026 - the simple average of the 1 valuation models (out of nine: DCF, Graham Number, Graham Growth, Lynch, GLS Growth, 10 Cap, Payback Time, DDM and EPV) that produced a positive value. The models run every night on the latest filings; the Quote page lets you switch any of them off and add a margin of safety of your own.
When does UPAY, Inc. report earnings next?
No upcoming earnings date is recorded for UPYY in our calendar as of 16 Oct 2026; the Calendars page is refreshed every morning.
Does UPYY have listed options, and how liquid are they?
No. The nightly options snapshot found no listed contracts on UPYY, so the wheel strategy cannot be run on it and the Wheel Score is capped at 39.