Market cap is the total market value to buy the whole company. It is equal to the share price times the number of Shares Outstanding (EOP). UPAY's share price for the quarter that ended in Feb. 2026 was $1. UPAY's Shares Outstanding (EOP) for the quarter that ended in Feb. 2026 was 17.60 Mil. Therefore, UPAY's market cap for the quarter that ended in Feb. 2026 was $17.60 Mil.
UPAY's quarterly market cap
increased
from Aug. 2025 ($23.23 Mil) to Nov. 2025 ($34.99 Mil) but then
declined
from Nov. 2025 ($34.99 Mil) to Feb. 2026 ($17.60 Mil).
UPAY's annual market cap
increased
from Feb. 2024 ($11.00 Mil) to Feb. 2025 ($11.62 Mil) and
increased
from Feb. 2025 ($11.62 Mil) to Feb. 2026 ($17.60 Mil).
Enterprise Value is the theoretical takeover price. It is more comprehensive than market capitalization (market cap), which only includes common equity. Enterprise Value is calculated as the market cap plus debt and minority interest and preferred shares, minus total cash and cash equivalents. UPAY's Enterprise Value for Today is $16.30 Mil.
UPAY (OTCPK:UPYY) Market Cap Explanation
Market cap is not the real price you pay for a company. If you buy the company and become its owner, you become the owner of the cash the company has, and you also assume the companys debt. The real price you pay is the Enterprise Value.
Warren Buffett uses the ratio of total market cap of all public traded companies over GDP to measure if the market is expensive. As of April 2012, the US total market cap is about $14.7 trillion, while the US GDP is about $15 trillion. The market was modestly overvalued.
UPAY Market Cap Related Terms
UPAY Market Cap Historical Data
* Premium members only.
The historical data trend for UPAY's Market Cap 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 Market Cap, along with its competitors' market caps and Market Cap 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 Market Cap vs Software Industry
For the Software industry and Technology sector, UPAY's Market Cap distribution charts can be found below:
* The bar in red indicates where UPAY's Market Cap falls into.
Market cap is the short version of market capitalization. It is the total market value to buy the whole company. It is equal to the share price times the number of shares outstanding.
UPAY's Market Cap for the fiscal year that ended in Feb. 2026 is calculated as
* 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 Market Cap of $15.85 Mil as of Jun. 26, 2026. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on UPAY and its competitors. According to the industry distribution chart, UPAY ranks #2219 out of 2928 companies in the Software industry, placing it in the top 75.8%.
Is UPAY's Market Cap too high?
UPAY's current Market Cap is $15.85 Mil. The Software industry median Market Cap is 65.79. UPAY's value of $15.85 Mil is 75.9% below this industry median. Based on the distribution chart, UPAY ranks #2219 out of 2928 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, UPAY has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does UPAY's Market Cap compare to NVNI and IDAI?
According to the Software industry distribution chart, UPAY ranks #2219 out of 2928 companies for Market Cap. This places UPAY in the lower half of its industry. The industry median Market Cap is 65.79. UPAY's value of $15.85 Mil is 75.9% below this benchmark. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Market Cap for a Software company?
The median Market Cap among Software companies is 65.79, based on 2,928 companies in the industry. Companies in the top quartile (top 25%) have a Market Cap significantly above this median, while those in the bottom quartile fall well below. However, Market Cap should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UPAY's current Market Cap of $15.85 Mil is 75.9% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Market Cap mean?
A high Market Cap can signal that a stock is expensive relative to its fundamentals. Market cap equals the total value of a company's shares: price times shares outstanding. View historical data on UPAY and its competitors. For the Software industry, the median Market Cap is 65.79 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UPAY's current Market Cap is $15.85 Mil. 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 Market Cap of $15.85 Mil. 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 Market Cap is $15.85 Mil and 75.9% below the Software industry median of 65.79. 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 Market Cap calculated?
Market Cap is calculated from a company's financial statements. For UPAY (UPYY), the current Market Cap is $15.85 Mil as of Jun. 26, 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:
Market Cap: $15.85 Mil
GF Value™: $0.49 vs. price of $0.90 (83.7% above fair value)
Industry Position: 75.9% below the Software median (#2219 of 2928)
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
Get the complete analysis for UPYY
Market Cap is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
Quick Browse
Personalize
Premium Gurus 
Create New Portfolio
UPYY has been successfully added to your 
