OCF Yield % is calculated as Cash Flow from Operations divided by Market Capitalization. It is a financial solvency ratio that compares the operating cash flow a company is expected to earn against its market value.
The historical rank and industry rank for UPAY's OCF Yield % or its related term are showing as below:
UPYY'
s OCF Yield % Range Over the Past 10 Years
Min: -7.93 Med: -1.33 Max: 6.78
Current: -1.82
During the past 11 years, the highest OCF Yield % of UPAY was 6.78%. The lowest was -7.93%. And the median was -1.33%.
UPYY's OCF Yield % is ranked worse than 72.91% of 2868
companies
in the Software industry
Industry Median: 3.165
vs UPYY: -1.82
UPAY's OCF Margin % for the quarter that ended in Feb. 2026 was %.
UPAY OCF Yield % Explanation
Similar to Earnings Yield %, OCF Yield % is financial solvency ratio. A lower ratio suggests a less attractive investment, indicating that investors might not receive substantial returns in proportion to their investment. Conversely, a high operating cash flow yield signals that a company generates sufficient cash to comfortably meet its debts, obligations, and dividend payments, making it a promising investment choice.
UPAY OCF Yield % Related Terms
UPAY OCF Yield % Historical Data
* Premium members only.
The historical data trend for UPAY's OCF Yield % 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 OCF Yield %, along with its competitors' market caps and OCF Yield % 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 OCF Yield % vs Software Industry
For the Software industry and Technology sector, UPAY's OCF Yield % distribution charts can be found below:
* The bar in red indicates where UPAY's OCF Yield % falls into.
* 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 OCF Yield % of -1.82 as of Jun. 26, 2026. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on UPAY and its competitors. According to the industry distribution chart, UPAY ranks #2091 out of 2868 companies in the Software industry, placing it in the top 72.9%.
Is UPAY's OCF Yield % too high?
UPAY's current OCF Yield % is -1.82. Based on the distribution chart, UPAY ranks #2091 out of 2868 companies in the Software industry, which is below the industry midpoint. Overall, UPAY has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does UPAY's OCF Yield % compare to NVNI and IDAI?
According to the Software industry distribution chart, UPAY ranks #2091 out of 2868 companies for OCF Yield %. This places UPAY in the lower half of its industry. The industry median OCF Yield % is 3.17. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good OCF Yield % for a Software company?
The median OCF Yield % among Software companies is 3.17, based on 2,868 companies in the industry. Companies in the top quartile (top 25%) have a OCF Yield % significantly above this median, while those in the bottom quartile fall well below. However, OCF Yield % 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 OCF Yield % mean?
A high OCF Yield % can signal that a stock is expensive relative to its fundamentals. OCF Yield is calculated as Cash Flow from Operations divided by Market Capitalization. View historical data on UPAY and its competitors. For the Software industry, the median OCF Yield % is 3.17 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UPAY's current OCF Yield % is -1.82. 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 OCF Yield % of -1.82. 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 OCF Yield % is -1.82. 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 OCF Yield % calculated?
OCF Yield % is calculated from a company's financial statements. For UPAY (UPYY), the current OCF Yield % is -1.82 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:
OCF Yield %: -1.82
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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OCF Yield % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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