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Upay (UPYY) earnings and revenue breakdown

Latest: Q2 FY27 · 10-Q filed Oct 20, 2026 · Upay (UPYY) Q2 FY27 earnings results →

Q2 FY27 Revenue up 51% year over year to $285K · 270¢ of every $1 of revenue lost · operating margin -84.7%

Upay made $285K in Q2 FY27 (+51% Y/Y). Operating margin -84.7%, net loss $770K. See where every dollar goes — costs, profit and cash — as a Sankey from the 10-Q filed Oct 20, 2026.

Revenue$285K
Year over year+51%
Operating margin-84.7%
Net earnings−$770K
Operating cash flow−$57

Drawing the Sankey…

Open the interactive Sankey → click any line for what the company wrote about it, compare Y/Y and Q/Q, export as PNG or PDF

What changed this quarter

Revenue was $285K in Q2 FY27, up 51% year over year and up 26% from the previous quarter.

Gross margin was 65.2%, down 10.8 points from Q2 FY26. Operating costs exceeded revenue by $242K, an operating margin of -84.7%. Operating expenses grew 72% against revenue growth of 51%. The fastest-growing cost line was General & admin (+72%). The quarter ended with a net loss of $770K, wider than the previous quarter's $115K loss. Minority interests bore $9K of it: to shareholders the quarter was a loss of $761K. Net interest and other expense of $529K was the main reason.

Operating cash flow was −$0K. Non-cash charges added back $2K of depreciation. Working capital and other items added $769K. Capital expenditures of $1K exceeded it, leaving free cash flow of −$1K.

Quarterly history

Upay revenue by quarterUpay revenue by quarter$140KQ4 FY25$170KQ1 FY26$189KQ2 FY26$185KQ3 FY26$202KQ4 FY26$226KQ1 FY27$285KQ2 FY27
Upay net earnings by quarterUpay net earnings by quarter−$39KQ4 FY25−$142KQ1 FY26−$117KQ2 FY26−$1.0MQ3 FY26−$115KQ4 FY26−$115KQ1 FY27−$770KQ2 FY27
QuarterFormFiledRevenueY/YOp. marginNet earningsOp. cash flow
Q2 FY2710-QOct 20, 2026$285K+51%-84.7%−$770K−$57
Q1 FY2710-QJul 14, 2026$226K+33%-45.4%−$115K−$74K
Q4 FY2610-KJun 2, 2026$202K+45%-51.5%−$115K−$29K
Q3 FY2610-QJan 12, 2026$185K+23%-61.4%−$1.0M−$71K
Q2 FY2610-QOct 10, 2025$189K+12%-55.7%−$117K−$58K
Q1 FY2610-QJul 22, 2025$170K-34%-76.6%−$142K−$131K
Q4 FY2510-KJun 2, 2025$140K-58%-21.4%−$39K−$23K

Charts

Upay: revenue growth, year over year and quarter over quarterUpay: revenue growth, year over year and quarter over quarterY/YQ/Q-58%Q4 FY25-34%+22%Q1 FY26+12%+11%Q2 FY26+23%-2%Q3 FY26+45%+10%Q4 FY26+33%+12%Q1 FY27+51%+26%Q2 FY27
Latest (Q2 FY27): Y/Y +51%, Q/Q +26%.
Upay: where the cash came from (+) and went (−), TTM to Q2 FY27Upay: where the cash came from (+) and went (−), TTM to Q2 FY27Other financing$250KOperating cash flow−$174KCash drawn (+) / kept (−)−$82KExchange rates$5KOther investing$4KCapital spending−$3K
From the cash-flow statement as filed (SEC XBRL). Cash is fungible: the bars do not say which dollar paid for what.
Upay: profit against cash, quarter by quarterUpay: profit against cash, quarter by quarterNet incomeOperating cash flow−$159K−$91KQ3 FY25−$39K−$23KQ4 FY25−$142K−$131KQ1 FY26−$117K−$58KQ2 FY26−$1.0M−$71KQ3 FY26−$115K−$29KQ4 FY26−$115K−$74KQ1 FY27−$761K−$57Q2 FY27
Latest (Q2 FY27): Net income −$761K, Operating cash flow −$57.
Upay: diluted shares by fiscal yearUpay: diluted shares by fiscal year23MFY2124MFY2217MFY2317MFY2416MFY2517MFY26
-25.7% since FY21: buybacks shrank the count.
Upay in its industry: growth against margin (192 companies, SIC 7372)Upay in its industry: growth against margin (192 companies, SIC 7372)revenue growth, year over year →↑ operating marginmedian +12%median 0%MSFTORCLCRMADBEXYZINTUNOWSHOPCRWVSNPSPLTRADSKElectronic Arts Inc.TEAMSSNCCDNSRBLXTWLOSNOWTTWOCRWDGENDDOGHUBSVEEVDOCUOKTANETMDBNTNXPTCTYLDBXUDTPAYCMBLYESTCPCTYZETARBRKACIWBSYGWREPATHPCORTDCOCTVFIGKVYOCOURBILLBOXCVLTDUOLSAILGTMMANHLIMEAPPFCCCYOUTTANBLKBSGTLBALRMTENBWKPRGSFRSHAPPNBANDNAVNBRZEQTWONTSKASANCXMVERXRPDSPSCBLFSLYVRNSQLYSFROGMQBBINTANCNOEVCMNABLVIAALKTAVPTSPTPDGDYNXPERAMPLDDDSKILCERTCCSICMRCMKTWHUCKCRNCPDFSWEAVSOUNINSEXZODHIIIVLiveperson IncAIMRDNMYPSUPLDKLTRBLZELAWDRTTFBBAIMAPSCCLDEXFYRDVTSSTIEGANNTWKRCATSNALFDCTSVCOMCHXAEYEZDGEADBTWFCFAISPDUOTIDNPDYNQUBTZSPCROCFATNAWRESMSIINLXBLINMSGMGEGSEGGMYSZCXAIGXAIPARAAITXBKYICYABAPCXSPAIDSNYEXYNIDAIATDSIVDAVPRBSKKYUMEWAIFFAUIDGlobal Arena Holding, Inc.ATHRVIDAQXLLIVGFNGRSVMBTransparentBusiness, Inc.SWMRAMSTTransit Pro Tech Inc.PXLWDNKCDPLSGYGYUPYY (+51%, -85%)
Services-Prepackaged Software; dot size is quarterly revenue; dashed lines are the industry's medians.

Interactive views

The same charts as the app — open one to draw it.

💵Where each $1 goesinteractive

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🌏Named in Asian annual reportsinteractive

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🔄Rotation against the market and its industry (RRG)interactive

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🔍Earnings qualityinteractive

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⚖️Fair value by methodinteractive

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🔭Outlook & guidanceinteractive

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📈Investments: gains and what it boughtinteractive

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🏭Its industry’s money flow (input-output)interactive

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About Upay

We were incorporated in the state of Nevada on July 8, 2015. On November 4, 2015, we conducted the Share Exchange with Rent Pay, which became our wholly owned subsidiary The consumer lending and alternative financial services industry in the United States represents a significant market segment that includes payday lending, installment lending, check cashing, and other short-term consumer finance products. According to IBISWorld, the U.S. check-cashing and payday-loan services industry generated approximately $21.4 billion in revenue during 2023, reflecting continued consumer demand for short-term and alternative credit products and related financial services.

In its own words, from its 10-K, filed Jun 2, 2026.

Upay against its Services-Prepackaged Software peers

The largest companies of the same SEC industry, each at its latest quarter. Revenue growth: +51% against the peers' median +19%. Operating margin: -84.7% against the peers' median 15.2%.

CompanyQuarterRevenueY/YOp. margin
UPYY UpayQ2 FY27$285K+51%-84.7%
MSFT MicrosoftQ1 FY27$92.3B+19%49.8%
ORCL OracleQ1 FY27$19.3B+30%34.8%
CRM SalesforceQ2 FY27$11.3B+11%20.5%
ADBE AdobeQ3 FY26$6.8B+13%34.8%
XYZ BlockQ3 2026$6.7B+10%6.4%
INTU IntuitQ4 FY26$4.4B+14%10.9%
NOW ServiceNowQ3 2026$4.1B+20%9.4%
SHOP ShopifyQ3 2026$3.7B+32%15.2%

Source: Upay 10-Q on SEC EDGAR · CIK 1677897 · Services-Prepackaged Software

More on UPYY

History

Every quarter: Q2 FY27 results · Q1 FY27 results · Q4 FY26 results · Q3 FY26 results · Q2 FY26 results · Q1 FY26 results · Q4 FY25 results

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中文版：Upay（UPYY）财报

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