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EV-to-EBIT is calculated as Enterprise Value divided by its EBIT. As of today, UPAY's Enterprise Value is $16.30 Mil.
UPAY's EBIT for the trailing twelve months (TTM) ended in May. 2026 was $-1.33 Mil. Therefore, UPAY's EV-to-EBIT for today is -12.26.
The historical rank and industry rank for UPAY's EV-to-EBIT or its related term are showing as below:
UPYY'
s EV-to-EBIT Range Over the Past 10 Years
Min: -381.44 Med: -21.94 Max: 804.42
Current: -12.26
During the past 11 years, the highest EV-to-EBIT of UPAY was 804.42. The lowest was -381.44. And the median was -21.94.
UPYY's EV-to-EBIT is not ranked
in the Software industry.
Industry Median: 14.225
vs UPYY: -12.26
This is a more accurate valuation of companies' operation because it considers the debt and cash on its balance sheet, and non-operating items such as interest payment, tax, and one-time items are not included in the Operating Income.
UPAY's Enterprise Value for the quarter that ended in May. 2026 was $16.37 Mil.
UPAY's EBIT for the trailing twelve months (TTM) ended in May. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-1.33 Mil.
* 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 EV-to-EBIT Related Terms
UPAY EV-to-EBIT Historical Data
* Premium members only.
The historical data trend for UPAY's EV-to-EBIT 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.
For the Software - Application subindustry, UPAY's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Software Industry
For the Software industry and Technology sector, UPAY's EV-to-EBIT distribution charts can be found below:
* The bar in red indicates where UPAY's EV-to-EBIT falls into.
UPAY's current Enterprise Value is $16.30 Mil.
UPAY's EBIT for the trailing twelve months (TTM) ended in May. 2026 adds up the quarterly data reported by the company within the most recent 12 months, which was $-1.33 Mil.
* 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 (UPYY) has a EV-to-EBIT of -12.26 as of Jul. 21, 2026. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on UPAY and its competitors.
Is UPAY's EV-to-EBIT too high?
UPAY's current EV-to-EBIT is -12.26. Overall, UPAY has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does UPAY's EV-to-EBIT compare to NVNI and IDAI?
UPAY's EV-to-EBIT of -12.26 can be compared against companies in the Software industry. The industry median EV-to-EBIT is 14.23. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good EV-to-EBIT for a Software company?
The median EV-to-EBIT among Software companies is 14.23, based on 1,770 companies in the industry. Companies in the top quartile (top 25%) have a EV-to-EBIT significantly above this median, while those in the bottom quartile fall well below. However, EV-to-EBIT 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 EV-to-EBIT mean?
A high EV-to-EBIT can signal that a stock is expensive relative to its fundamentals. EV to EBIT ratio is the inverse of Joel Greenblatt's earnings yield definition. View historical data on UPAY and its competitors. For the Software industry, the median EV-to-EBIT is 14.23 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UPAY's current EV-to-EBIT is -12.26. 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 EV-to-EBIT of -12.26. 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 EV-to-EBIT is -12.26. 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 EV-to-EBIT calculated?
EV-to-EBIT is calculated from a company's financial statements. For UPAY (UPYY), the current EV-to-EBIT is -12.26 as of Jul. 21, 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:
EV-to-EBIT: -12.26
GF Value™: $0.49 vs. price of $0.90 (83.7% above fair value)
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 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
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EV-to-EBIT is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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