UPAY (UPYY) Shiller PE Ratio: (As of Sep. 11, 2026)

Author: Vera Yuan Vera Yuan
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Director of Data and Quant Analytics at GuruFocus
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Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

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

Shiller PE for Stocks: The True Measure of Stock Valuation


UPAY  (OTCPK:UPYY) Shiller PE Ratio Explanation

Compared with the regular PE Ratio, which works poorly for cyclical businesses, the Shiller PE Ratio smoothed out the fluctuations of profit margins during business cycles. Therefore it is more accurate in reflecting the valuation of the company.

If a company has consistent business performance, the Shiller PE Ratio should give similar results to regular PE Ratio.

Compared with the PS Ratio, the Shiller PE Ratio makes the comparison between different industries more meaningful.


Be Aware

Shiller PE Ratio assumes that over the long term, businesses and profitability revert to their means. If a company's business model does not work in the future compared with the past, Shiller PE Ratio and PS Ratio will give false valuations.


UPAY Shiller PE Ratio Related Terms


UPAY Shiller PE Ratio Historical Data

* Premium members only.

The historical data trend for UPAY's Shiller PE Ratio 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 Shiller PE Ratio Chart

UPAY Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
Shiller PE Ratio
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.00 0.00 0.00 0.00 0.00

UPAY Quarterly Data
Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26 May26
Shiller PE Ratio 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 0.00 0.00 0.00 0.00 0.00

UPYY vs NVNI, IDAI, KNRX: Shiller PE Ratio Comparison

For the Software - Application subindustry, UPAY's Shiller PE Ratio, along with its competitors' market caps and Shiller PE Ratio 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 Shiller PE Ratio vs Software Industry

For the Software industry and Technology sector, UPAY's Shiller PE Ratio distribution charts can be found below:

* The bar in red indicates where UPAY's Shiller PE Ratio falls into.


UPYY
30GF Score
UPAY Inc UPYY
Shiller PE Ratio is just one metric. See GF Score™, valuation, warning signs, and more.
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UPAY Shiller PE Ratio Calculation

For Shiller PE Ratio, the earnings of the past 10 years are inflation-adjusted and averaged. The result is used for P/E calculation. Since it looks at the average over the last 10 years, the Shiller PE Ratio is also called PE10.

The Shiller PE Ratio was first used by professor Robert Shiller to measure the valuation of the overall market. The same calculation is applied here to individual companies.

UPAY's E10 for the quarter that ended in May. 2026 is calculated as:

For example, UPAY's adjusted earnings per share data for the three months ended in May. 2026 was:

Adj_EPS=Earnings per Share (Diluted)/CPI of May. 2026 (Change)*Current CPI (May. 2026)
=-0.01/335.1230*335.1230
=-0.010

Current CPI (May. 2026) = 335.1230.

UPAY Quarterly Data

Earnings per Share (Diluted) CPI Adj_EPS
201608 -0.001 240.849 -0.001
201611 0.001 241.353 0.001
201702 0.001 243.603 0.001
201705 -0.001 244.733 -0.001
201708 -0.001 245.519 -0.001
201711 -0.001 246.669 -0.001
201802 -0.001 248.991 -0.001
201805 0.000 251.588 0.000
201808 -0.001 252.146 -0.001
201811 0.000 252.038 0.000
201902 -0.001 252.776 -0.001
201905 0.001 256.092 0.001
201908 0.000 256.558 0.000
201911 0.001 257.208 0.001
202002 -0.002 258.678 -0.003
202005 -0.002 256.394 -0.003
202008 -0.003 259.918 -0.004
202011 -0.001 260.229 -0.001
202102 0.000 263.014 0.000
202105 -0.010 269.195 -0.012
202108 0.000 273.567 0.000
202111 0.001 277.948 0.001
202202 -0.010 283.716 -0.012
202205 0.000 292.296 0.000
202208 -0.004 296.171 -0.005
202211 0.000 297.711 0.000
202302 -0.006 300.840 -0.007
202305 -0.002 304.127 -0.002
202308 -0.010 307.026 -0.011
202311 -0.020 307.051 -0.022
202402 -0.010 310.326 -0.011
202405 -0.010 314.069 -0.011
202408 -0.010 314.796 -0.011
202411 -0.010 315.493 -0.011
202502 0.000 319.082 0.000
202505 -0.010 321.465 -0.010
202508 -0.010 323.976 -0.010
202511 -0.060 324.122 -0.062
202602 0.000 326.785 0.000
202605 -0.010 335.123 -0.010

Add all the adjusted EPS together and divide 10 will get our E10.

Please note that we use the CPI data of the country/region where the company is headquartered. If the CPI data for that country/region is not available, then we will use the CPI data of the United States as default.

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:

  • Shiller PE Ratio:
  • 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

Shiller PE Ratio is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.90
Price
$0.49
GF Value