UPAY (UPYY) Cyclically Adjusted FCF per Share: $-0.01 (As of Feb. 2026)


UPYY UPAY Inc UPYY
30 GF Score
Price $0.90
GF Value $0.49
! 7 Warning Signs
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What is UPAY Cyclically Adjusted FCF per Share?

UPAY UPYY -10.00% 30 Cyclically Adjusted FCF per Share is $-0.01 as of Feb. 2026. GuruFocus rates UPYY with a GF Score™ of 30/100 and a GF Value™ of $0.49. The stock has 7 warning signs investors should review.

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

UPAY's adjusted free cash flow per share for the three months ended in Feb. 2026 was $-0.002. Add all the adjusted free cash flow per share for the past 10 years together and divide the count will get our Cyclically Adjusted FCF per Share, which is $-0.01 for the trailing ten years ended in Feb. 2026.

Please click Growth Rate Calculation Example (GuruFocus) to see how GuruFocus calculates Wal-Mart Stores Inc (WMT)'s revenue growth rate. You can apply the same method to get the Cyclically Adjusted FCF Growth Rate using Cyclically Adjusted FCF per Share data.

As of today (2026-07-03), UPAY's current stock price is $0.90. UPAY's Cyclically Adjusted FCF per Share for the quarter that ended in Feb. 2026 was $-0.01. UPAY's Cyclically Adjusted Price-to-FCF of today is .


UPAY  (OTCPK:UPYY) Cyclically Adjusted FCF per Share Explanation

If a company grows much fast than inflation, Cyclically Adjusted FCF per Share may underestimate the company's free cash flow. Cyclically Adjusted Price-to-FCF can seem to be too high even the actual Price-to-Free-Cash-Flow is low.

For the Cyclically Adjusted Price-to-FCF, the free cash flow per share of the past 10 years are inflation-adjusted and averaged. The result is used for P/FCF calculation. Since it looks at the average over the last 10 years, the Cyclically Adjusted Price-to-FCF is also called CAPFCF Ratio.

The Shiller PE Ratio was first used by professor Robert Shiller. He uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings per share of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted free cash flow per share of a company over the past 10 years.


Be Aware

Cyclically Adjusted Price-to-FCF works better for cyclical companies. It gives you a better idea on the company's real free cash flow value.


UPAY Cyclically Adjusted FCF per Share Related Terms


UPAY Cyclically Adjusted FCF per Share Historical Data

* Premium members only.

The historical data trend for UPAY's Cyclically Adjusted FCF per Share can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

UPAY Cyclically Adjusted FCF per Share Chart

UPAY Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
Cyclically Adjusted FCF per Share
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 -0.01

UPAY Quarterly Data
May21 Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26
Cyclically Adjusted FCF per Share Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.00 0.00 -0.01 -0.01 -0.01

UPYY vs NVNI, IDAI, KNRX: Cyclically Adjusted FCF per Share Comparison

For the Software - Application subindustry, UPAY's Cyclically Adjusted Price-to-FCF, along with its competitors' market caps and Cyclically Adjusted Price-to-FCF data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


UPAY Cyclically Adjusted Price-to-FCF vs Software Industry

For the Software industry and Technology sector, UPAY's Cyclically Adjusted Price-to-FCF distribution charts can be found below:

* The bar in red indicates where UPAY's Cyclically Adjusted Price-to-FCF falls into.


UPYY
30GF Score
UPAY Inc UPYY
Cyclically Adjusted FCF per Share is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

UPAY Cyclically Adjusted FCF per Share Calculation

E10 is a concept invented by Prof. Robert Shiller, who uses E10 for his Shiller PE Ratio calculation. E10 is the average of the inflation adjusted earnings of a company over the past 10 years. The similar calculation is applied by GuruFocus to calculate the Cyclically Adjusted FCF per Share and the Cyclically Adjusted Price-to-FCF. The Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years.

What is Cyclically Adjusted FCF per Share? How do we calculate Cyclically Adjusted FCF per Share?

Cyclically Adjusted FCF per Share is the average of the inflation adjusted Free Cash Flow per Share of a company over the past 10 years. Let's use an example to explain.

If we want to calculate the Cyclically Adjusted FCF per Share of Wal-Mart (WMT) for Dec. 31, 2010, we need to have the inflation data and the free cash flow per share from 2001 through 2010.

We adjusted the 2001 free cash flow per share data with the total inflation from 2001 through 2010 to the equivalent free cash flow in 2010. If the total inflation from 2001 to 2010 is 40%, and Wal-Mart's free cash flow is $1 a share in 2001, then the 2001's equivalent free cash flow in 2010 is $1.4 a share. If Wal-Mart's free cash flow is $1 again in 2002, and the total inflation from 2002 through 2010 is 35%, then the equivalent 2002 free cash flow in 2010 is $1.35. So on and so forth, you get the equivalent free cash flow per share of past 10 years. Then you add them together and divided the sum by the count to get Cyclically Adjusted FCF per Share.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

For example, UPAY's adjusted Free Cash Flow per Share data for the three months ended in Feb. 2026 was:

Adj_FreeCashFlowPerShare= Free Cash Flow per Share /CPI of Feb. 2026 (Change)*Current CPI (Feb. 2026)
=-0.002/326.7850*326.7850
=-0.002

Current CPI (Feb. 2026) = 326.7850.

UPAY Quarterly Data

Free Cash Flow per Share CPI Adj_FreeCashFlowPerShare
201605 0.000 240.229 0.000
201608 0.000 240.849 0.000
201611 0.002 241.353 0.003
201702 0.001 243.603 0.001
201705 0.000 244.733 0.000
201708 -0.001 245.519 -0.001
201711 0.002 246.669 0.003
201802 0.005 248.991 0.007
201805 -0.005 251.588 -0.006
201808 -0.001 252.146 -0.001
201811 0.006 252.038 0.008
201902 0.013 252.776 0.017
201905 -0.008 256.092 -0.010
201908 -0.009 256.558 -0.011
201911 0.001 257.208 0.001
202002 -0.001 258.678 -0.001
202005 -0.003 256.394 -0.004
202008 0.000 259.918 0.000
202011 0.003 260.229 0.004
202102 -0.004 263.014 -0.005
202105 0.003 269.195 0.004
202108 0.001 273.567 0.001
202111 0.004 277.948 0.005
202202 0.026 283.716 0.030
202205 -0.043 292.296 -0.048
202208 -0.001 296.171 -0.001
202211 0.012 297.711 0.013
202302 0.010 300.840 0.011
202305 -0.009 304.127 -0.010
202308 0.003 307.026 0.003
202311 0.007 307.051 0.007
202402 -0.012 310.326 -0.013
202405 -0.026 314.069 -0.027
202408 -0.014 314.796 -0.015
202411 -0.005 315.493 -0.005
202502 -0.002 319.082 -0.002
202505 -0.008 321.465 -0.008
202508 -0.003 323.976 -0.003
202511 -0.004 324.122 -0.004
202602 -0.002 326.785 -0.002

Add all the adjusted free cash flow per share together and divide 10 will get our Cyclically Adjusted FCF per Share.

What does a Cyclically Adjusted FCF per Share of $-0.01 mean?
UPAY (UPYY) has a Cyclically Adjusted FCF per Share of $-0.01 as of Feb. 2026. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on UPAY and its competitors.
Is UPAY's Cyclically Adjusted FCF per Share too high?
UPAY's current Cyclically Adjusted FCF per Share is $-0.01. Overall, UPAY has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does UPAY's Cyclically Adjusted FCF per Share compare to NVNI and IDAI?
UPAY's Cyclically Adjusted FCF per Share of $-0.01 can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Cyclically Adjusted FCF per Share for a Software company?
A good Cyclically Adjusted FCF per Share depends on the Software industry context. However, Cyclically Adjusted FCF per Share should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Cyclically Adjusted FCF per Share mean?
A high Cyclically Adjusted FCF per Share can signal that a stock is expensive relative to its fundamentals. Cyclically Adjusted FCF per Share represents the company's inflation-adjusted FCF per share over a 10-year period. View historical data on UPAY and its competitors. UPAY's current Cyclically Adjusted FCF per Share is $-0.01. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UPAY stock overvalued right now?
UPAY (UPYY) has a current Cyclically Adjusted FCF per Share of $-0.01. The stock's GF Value™ is $0.49, compared to a current price of $0.90 — trading 83.7% above its estimated fair value. The current Cyclically Adjusted FCF per Share is $-0.01. UPAY's overall GF Score™ is 30/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Cyclically Adjusted FCF per Share calculated?
Cyclically Adjusted FCF per Share is calculated from a company's financial statements. For UPAY (UPYY), the current Cyclically Adjusted FCF per Share is $-0.01 as of Feb. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is UPAY (UPYY) Overvalued in 2026?

Based on GuruFocus' analysis, UPAY stock appears to be overvalued. The current stock price of $0.90 is trading 83.7% above its estimated GF Value™ of $0.49.

Key valuation signals for UPYY:

  • Cyclically Adjusted FCF per Share: $-0.01
  • GF Value™: $0.49 vs. price of $0.90 (83.7% above fair value)
  • GF Score™: 30/100 with 7 warning signs

No single metric tells the full story. See the UPYY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


UPAY Business Description

Address 3010 LBJ Freeway, No. 1200, 12th Floor, Dallas, TX, USA, 75234
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 Company conducts its principal lending software and credit management operations in South Africa through its ACPAS loan management software platform. 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.
30GF Score

Get the complete analysis for UPYY

Cyclically Adjusted FCF per Share is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.90
Price
$0.49
GF Value