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Upay Inc's Competitiveness

Name: Upay Inc Competitors and Peer Comparison
Creator: CSIMarket
License: https://csimarket.com/help/terms-of-use

A competitive positioning analysis and financial ratio benchmarking of Upay Inc (UPAY) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.

Peer Data As of Q1 2026

Competitors Tracked

Publicly traded peers

Peer Group Market Share

100.00 %

vs 100.00 % a year ago

Revenue Growth Y/Y

32.82 %

Q1 2026

Net Margin

-51.00 %

Q1 2026

Key Findings: Upay Inc vs Its Competitors

TTM: Trailing 12-month revenue of 1M vs -M combined for tracked competitors (100.0% combined share).
Trending: Latest-quarter revenue run-rate is accelerating (+12.9% annualized vs trailing 12 months).
Peer revenue share: Upay Inc accounted for 100.0% of combined revenue among its tracked peer group, up from 100.0% a year earlier.

Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).

UPAY Sales vs. its Competitors, Q1 2026

Upay Inc generated 100.00 % of the combined sales of its peer group, up from 100.00 % a year earlier.

API endpoints for this dataset

                        https://api.csimarket.com/api/v1/companies/UPAY/competitors                    

                        https://api.csimarket.com/api/v1/companies/UPAY/relationships                    

                        https://api.csimarket.com/api/v1/companies/UPAY/similar                    

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For context: the Software & Programming industry grew revenue 16.0% year over year, combined, vs 32.8% for Upay Inc. Upay Inc's share of combined industry revenue moved from 0.00% to 0.00%, a gain of 0.00 percentage points.

Upay Inc's Competitor Quality Breadth

Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).

Entity	Profitable	Expanding	Above Industry Growth	Distressed
Upay Inc	No	Yes	Yes	No
Similar Growth & Profitability (8)	25.00 % (2 of 8)	62.50 % (5 of 8)	37.50 % (3 of 8)	25.00 % (2 of 8)

Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.

UPAY Stock Performance relative to its Competitors

UPAY Competitors (weighted) Percent change over the selected range

UPAY Stock Performance relative to Similar Growth & Profitability Competitors

UPAY Similar Growth & Profitability Competitors (equal-weighted, 8) Percent change over the selected range

Upay Inc's Comment on Competition and Industry Peers

The company's primary competitors in South Africa are Compuloan, Delter, and Mycomax, all of which provide credit-related software to lenders. The company offers a cloud-based system that requires no physical installation and has 14 years of experience developing software aligned with South African regulatory and affordability guidelines, with adaptability for the US market. The company operates in a market characterized by a non-paying culture. Competitors possess greater operational, financial, and personnel resources. The company has limited US operations, with Huntpal being the only competitor mentioned with a US presence. Significant development is required to adapt the software to various US states, and the company’s marketing and product presence in the US remain untested. Other competitors referenced in filings include Huntpal.

Upay Inc's Competitors Named by the Company

Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.

Competitor	Basis	Confidence	Active	Sources
Huntpal	Named by the company	85%	2022 to 2026	3
Delter	Named by the company	85%	2022 to 2026	3
Compuloan	Named by the company	85%	2022 to 2026	3
Infinity Enterprise Lending Systems	Named by the company	85%	2022 to 2026	3
Epic Loan Systems	Named by the company	85%	2022 to 2026	3
Compuscan	Named by the company	85%	2022 to 2026	3
Mycomax	Named by the company	85%	2022 to 2026	3

Competitor Evidence Detail

Filing basis, confidence, active dates and source counts for Upay Inc's named competitors require a Commercial License.

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Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.