Filing Flows › Upay (UPYY) › Q3 FY26
Upay (UPYY) Q3 FY26 earnings results (third quarter fiscal 2026)
10-Q filed Jan 12, 2026
Upay (UPYY) reported revenue of $185K for the third quarter fiscal 2026 (Q3 FY26), +23% from a year earlier and -2% from the quarter before. Operating margin was -61.4%, net loss $1.0M (559.2% of revenue).
Upay, Q3 FY26: revenue $185K (+23% year over year), operating margin -61.4%, net loss $1.0M, operating cash flow −$71K. The chart follows the revenue to costs, profit and cash.
| Q3 FY26 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $185K | -2% | +23% |
| Operating profit | −$113K | — | — |
| Net earnings | −$1.0M | — | — |
| Operating cash flow | −$71K | — | — |
What changed
Revenue was $185K in Q3 FY26, up 23% year over year and down 2% from the previous quarter.
Gross margin was 70.5%, unchanged from a year earlier. Operating costs exceeded revenue by $113K, an operating margin of -61.4%. Operating expenses fell 5% while revenue rose 23%. The quarter ended with a net loss of $1.0M, wider than the previous quarter's $117K loss. Net interest and other expense of $919K was the main reason.
Operating cash flow was −$71K. Non-cash charges added back $2K of depreciation. Working capital and other items added $1.0M. Capital expenditures of $0K exceeded it, leaving free cash flow of −$71K.
Questions
What was Upay's revenue in the third quarter fiscal 2026?
Upay (UPYY) reported revenue of $185K for the third quarter fiscal 2026 (Q3 FY26), +23% from a year earlier and -2% from the quarter before.
Was Upay profitable in the third quarter fiscal 2026?
Operating loss was $113K (-61.4% of revenue) and net loss $1.0M.
Source: Upay 10-Q on SEC EDGAR.