UPAY (UPYY) YoY EBITDA Growth: 25.00% (As of May. 2026)

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

UPAY UPYY -10.00% 30 YoY EBITDA Growth is 25.00% as of May. 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.

YoY EBITDA Growth is the percentage change of EBITDA per Share over the past twelve months. UPAY's YoY EBITDA Growth for the quarter that ended in May. 2026 was 25.00%.

UPAY's EBITDA per Share for the three months ended in May. 2026 was $-0.01.

UPAY YoY EBITDA Growth Historical Data

* Premium members only.

The historical data trend for UPAY's YoY EBITDA Growth 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 YoY EBITDA Growth Chart

UPAY Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
YoY EBITDA Growth
Get a 7-Day Free Trial Premium Member Only Premium Member Only -120.00 81.82 -1,850.00 20.51 -151.61

UPAY Quarterly Data
Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26 May26
YoY EBITDA Growth 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 11.11 45.45 -555.56 -200.00 25.00
UPYY
30GF Score
UPAY Inc UPYY
YoY EBITDA Growth is just one metric. See GF Score™, valuation, warning signs, and more.
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UPAY YoY EBITDA Growth Calculation

YoY EBITDA Growth is the percentage change of EBITDA per Share over the past twelve months.

UPAY's YoY EBITDA Growth for the fiscal year that ended in Feb. 2026 is calculated as:

YoY EBITDA Growth (A: Feb. 2026 )
=(EBITDA per Share (A: Feb. 2026 )-EBITDA per Share (A: Feb. 2025 ))/ | EBITDA per Share (A: Feb. 2025 ) |
=(-0.078--0.031)/ | -0.031 |
=-151.61 %

UPAY's YoY EBITDA Growth for the quarter that ended in May. 2026 is calculated as:

YoY EBITDA Growth (Q: May. 2026 )
=(EBITDA per Share (Q: May. 2026 )-EBITDA per Share (Q: May. 2025 )) / | EBITDA per Share (Q: May. 2025 )) |
=(-0.006--0.008)/ | -0.008 |
=25.00 %

* 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.

Frequently Asked Questions Learn more about YoY EBITDA Growth →
What does a YoY EBITDA Growth of 25.00% mean?
UPAY (UPYY) has a YoY EBITDA Growth of 25.00% as of May. 2026. YoY EBITDA Growth is the percentage change of EBITDA per share over the past 12-month. View historical data for UPAY and its competitors.
Is UPAY's YoY EBITDA Growth too high?
UPAY's current YoY EBITDA Growth is 25.00%. Overall, UPAY has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does UPAY's YoY EBITDA Growth compare to NVNI and IDAI?
UPAY's YoY EBITDA Growth of 25.00% 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 YoY EBITDA Growth for a Software company?
A good YoY EBITDA Growth depends on the Software industry context. However, YoY EBITDA Growth 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 YoY EBITDA Growth mean?
A high YoY EBITDA Growth can signal that a stock is expensive relative to its fundamentals. YoY EBITDA Growth is the percentage change of EBITDA per share over the past 12-month. View historical data for UPAY and its competitors. UPAY's current YoY EBITDA Growth is 25.00%. 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 YoY EBITDA Growth of 25.00%. 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 YoY EBITDA Growth is 25.00%. 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 YoY EBITDA Growth calculated?
YoY EBITDA Growth is calculated from a company's financial statements. For UPAY (UPYY), the current YoY EBITDA Growth is 25.00% as of May. 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:

  • YoY EBITDA Growth: 25.00%
  • 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

Get the complete analysis for UPYY

YoY EBITDA Growth is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.90
Price
$0.49
GF Value