UPAY (UPYY) GF Score: 30/100 (As of Jun. 28, 2026) — Near Median


UPYY UPAY Inc UPYY
30 GF Score
Price $0.90
GF Value $0.49
! 7 Warning Signs
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What is UPAY GF Score?

UPAY UPYY -10.00% 30 GF Score is 30 as of Jun. 28, 2026, which is 9% below its 10-year median of 33.00. 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.

UPAY has the GF Score of 30, which implies that the company might have Worst future performance potential, or not enough data.

The GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation, which has been found to be closely correlated to the long-term performances of stocks by backtesting from 2006 to 2021. The stocks with a higher GF Score generally generate higher returns than those with lower GF Scores. Therefore, when picking stocks, investors should invest in companies with high GF Scores. The GF Score ranges from 0 to 100, with 100 as the highest rank.

GF Score takes following five key aspects into consideration:

1. Financial Strength : 2/10
2. Profitability Rank : 2/10
3. Growth Rank : 2/10
4. GF Value Rank : 0/10
5. Momentum Rank : 4/10

Each one of these components is ranked and the ranks also have positive correlation with the long term performances of stocks. The GF score is calculated using the five key aspects of analysis. Through backtesting, we know that each of these key aspects has a different impact on the stock price performance. Thus, they are weighted differently when calculating the total score. The Profitability Rank and the Growth Rank are weighted fully, while other parameters have less weight.

Based on research and backtesting result, GuruFocus believes UPAY might have Worst future performance potential, or not enough data.

Please click GF Score to see more details on the GF Score's 5 Key Aspects of Analysis.

UPAY  (OTCPK:UPYY) GF Score Explanation

Based on the historical long-term performances among five valuation aspects, the GF Score is found to be closely correlated to the long-term performances of stocks. It ranges from 0 to 100, with 100 as the highest. GuruFocus divided GF Score into following 5 categories:

GF Score Performance Potential and All-in-One Screener Examples (1)
91 - 100Highest outperformance potential
81 - 90Good outperformance potential
71 - 80Likely to have average performance
51 - 70Poor future performance potential
0 - 50Worst future performance potential, or not enough data

(1) These are some simple examples. You can access our GF Score filter under All-in-One Screener’s Fundamental tab.

UPAY GF Score Related Terms

UPYY vs NVNI, IDAI, KNRX: GF Score Comparison

For the Software - Application subindustry, UPAY's GF Score, along with its competitors' market caps and GF Score 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 GF Score vs Software Industry

For the Software industry and Technology sector, UPAY's GF Score distribution charts can be found below:

* The bar in red indicates where UPAY's GF Score falls into.


UPYY
30GF Score
UPAY Inc UPYY
GF Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about GF Score →
What does a GF Score of 30 mean?
UPAY (UPYY) has a GF Score of 30 as of Jun. 28, 2026. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on UPAY and its competitors. This is near median its historical median of 33.00. Over the past decade, UPAY's GF Score has ranged from 17.00 to 46.00.
Is UPAY's GF Score too high?
UPAY's current GF Score of 30 is near median its 10-year median of 33.00. Over the past 10 years, this metric has ranged from a low of 17.00 to a high of 46.00. Overall, UPAY has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does UPAY's GF Score compare to NVNI and IDAI?
UPAY's GF Score of 30 can be compared against companies in the Software industry. Historically, UPAY's own GF Score has ranged from 17.00 to 46.00 over the past decade. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good GF Score for a Software company?
A good GF Score depends on the Software industry context. However, GF Score 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 GF Score mean?
A high GF Score can signal that a stock is expensive relative to its fundamentals. GF Score is a stock performance ranking system developed by GuruFocus using five aspects of valuation. View historical data on UPAY and its competitors. UPAY's current GF Score is 30, which is near median its own 10-year median of 33.00. 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 GF Score of 30. 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 GF Score is 30, which is near median its 10-year median of 33.00. 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 GF Score calculated?
GF Score is calculated from a company's financial statements. For UPAY (UPYY), the current GF Score is 30 as of Jun. 28, 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:

  • GF Score: 30 (near median its 10-year median of 33.00)
  • 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

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$0.90
Price
$0.49
GF Value