UPYY
UPAY, Inc.
Price Chart
Latest Quote
$0.90
+0.00 (+0.00%)
Current Price
| Previous Close | $0.90 |
| Open | $1.01 |
| Day High | $1.01 |
| Day Low | $1.00 |
| Volume | 200 |
Stock Information
| Shares Outstanding | 17.62M |
| Total Debt | $541K |
| Cash Equivalents | $96K |
| Revenue | $746K |
| Net Income | $-1.41M |
| Sector | Technology |
| Industry | Software - Application |
| Market Cap | $15.85M |
| EPS (TTM) | $-0.08 |
| Exchange | OQB |
đ Comprehensive Analysis
Company Data
| Enterprise Value | $16.30M |
| Sales | $746K |
| Income | $-1.41M |
| Book/sh | $-0.03 |
| Cash/sh | $0.01 |
Financial Ratios
| Quick Ratio | 0.34 |
| Current Ratio | 0.36 |
Returns & Margins
| ROA | -122.82% |
| Gross Margin | 73.36% |
| Operating Margin | -51.52% |
| Profit Margin | -188.48% |
Ownership
| Insider Ownership | 79.43% |
| Insider & Institutional transactions data not available | |
Valuation Ratios
| P/S | 21.24 |
| P/B | -32.14 |
Analyst Data
| Recommendation | none |
Technical Indicators
| SMA20 | $0.90 |
| SMA50 | $0.91 |
| SMA200 | $1.20 |
| RSI | nan |
| Shares Float | 15.81M |
Performance History
| Week | +0.00% |
| Month | +0.00% |
| Quarter | -10.00% |
| 6 Months | -55.00% |
| YTD | -35.71% |
| Year | +28.57% |
| 3 Years | -10.00% |
| 10 Years | +80.00% |
Stock Score:
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Recent Price History
| Date | Close | Volume |
|---|---|---|
| 2026-06-03 | $0.90 | 0 |
| 2026-06-02 | $0.90 | 0 |
| 2026-06-01 | $0.90 | 0 |
| 2026-05-29 | $0.90 | 0 |
| 2026-05-28 | $0.90 | 0 |
| 2026-05-27 | $0.90 | 0 |
| 2026-05-26 | $0.90 | 0 |
| 2026-05-22 | $0.90 | 0 |
| 2026-05-21 | $0.90 | 0 |
| 2026-05-20 | $0.90 | 0 |
| 2026-05-19 | $0.90 | 0 |
| 2026-05-18 | $0.90 | 0 |
| 2026-05-15 | $0.90 | 0 |
| 2026-05-14 | $0.90 | 0 |
| 2026-05-13 | $0.90 | 0 |
| 2026-05-12 | $0.90 | 0 |
| 2026-05-11 | $0.90 | 0 |
| 2026-05-08 | $0.90 | 0 |
| 2026-05-07 | $0.90 | 0 |
| 2026-05-06 | $0.90 | 0 |
| 2026-05-05 | $0.90 | 0 |
About UPAY, Inc.
UPAY, Inc. provides a web-based client and loan administration software platform under the automated credit provider administration system (ACPAS) name to registered lenders in South Africa. The company offers a cloud-based loan origination software system that enables customers to grant loans, sell products, pay bills, or pay monthly subscriptions on terms. It also develops tailor-made web sites for customers. In addition, the company resells credit bureau products; acts as an agent for a registered insurance company, and third-party payment provider for debit order transactions. Further, it provides custom software development and general administration staff services to customers. The serves customers with physical branch outlets, as well as online customers with lending websites. UPAY, Inc. was founded in 2009 and is based in Dallas, Texas.
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Income Statement (Annual)
| Metric | 2025-02-28 | 2024-02-29 | 2023-02-28 | 2022-02-28 |
|---|---|---|---|---|
| Revenue | ||||
| Reconciled Cost Of Revenue | $270,906 | $659,788 | $574,870 | $505,400 |
| Cost Of Revenue | $270,906 | $659,788 | $574,870 | $505,400 |
| Total Revenue | $715,269 | $1,394,408 | $1,359,991 | $1,458,809 |
| Operating Revenue | $715,269 | $1,394,408 | $1,359,991 | $1,458,809 |
| Expenses | ||||
| Interest Expense | $34,641 | $33,430 | $32,870 | $15,580 |
| Total Expenses | $1,224,126 | $2,076,266 | $1,449,232 | $1,781,925 |
| Net Non Operating Interest Income Expense | $-31,205 | $-21,614 | $-28,685 | $-12,483 |
| Interest Expense Non Operating | $34,641 | $33,430 | $32,870 | $15,580 |
| Operating Expense | $953,220 | $1,416,478 | $874,362 | $1,276,525 |
| General And Administrative Expense | $945,570 | $1,397,990 | $819,826 | $1,221,079 |
| Other Income Expense | - | $1,662 | $290 | $8,047 |
| Other Non Operating Income Expenses | - | - | - | - |
| Income & Earnings | ||||
| Net Income From Continuing Operation Net Minority Interest | $-540,062 | $-736,191 | $-135,487 | $-368,851 |
| Net Interest Income | $-31,205 | $-21,614 | $-28,685 | $-12,483 |
| Interest Income | $3,436 | $11,816 | $4,185 | $3,097 |
| Normalized Income | $-540,062 | $-737,504 | $-135,716 | $-368,851 |
| Net Income From Continuing And Discontinued Operation | $-540,062 | $-736,191 | $-135,487 | $-368,851 |
| Net Income Common Stockholders | $-540,062 | $-736,191 | $-135,487 | $-368,851 |
| Net Income | $-540,062 | $-736,191 | $-135,487 | $-368,851 |
| Net Income Including Noncontrolling Interests | $-540,062 | $-736,191 | $-135,487 | $-368,851 |
| Net Income Continuous Operations | $-540,062 | $-736,191 | $-135,487 | $-368,851 |
| Pretax Income | $-540,062 | $-701,810 | $-117,636 | $-327,552 |
| Special Income Charges | $0 | $1,662 | $290 | $0 |
| Interest Income Non Operating | $3,436 | $11,816 | $4,185 | $3,097 |
| Operating Income | $-508,857 | $-681,858 | $-89,241 | $-323,116 |
| Depreciation Amortization Depletion Income Statement | $7,650 | $18,488 | $54,536 | $55,446 |
| Depreciation And Amortization In Income Statement | $7,650 | $18,488 | $54,536 | $55,446 |
| Depreciation Income Statement | $7,650 | $18,488 | $54,536 | $55,446 |
| Gross Profit | $444,363 | $734,620 | $785,121 | $953,409 |
| Earnings From Equity Interest | - | - | $0 | $8,047 |
| Per Share | ||||
| Diluted EPS | $-0.03 | $-0.04 | $-0.01 | $-0.02 |
| Basic EPS | $-0.03 | $-0.04 | $-0.01 | $-0.02 |
| Other | ||||
| Tax Effect Of Unusual Items | $0 | $349 | $61 | $0 |
| Tax Rate For Calcs | $0 | $0 | $0 | $0 |
| Normalized EBITDA (Bullshit earnings) | $-497,771 | $-651,554 | $-30,520 | $-256,526 |
| Total Unusual Items | $0 | $1,662 | $290 | $0 |
| Total Unusual Items Excluding Goodwill | $0 | $1,662 | $290 | $0 |
| Reconciled Depreciation | $7,650 | $18,488 | $54,536 | $55,446 |
| EBITDA (Bullshit earnings) | $-497,771 | $-649,892 | $-30,230 | $-256,526 |
| EBIT | $-505,421 | $-668,380 | $-84,766 | $-311,972 |
| Diluted Average Shares | $16,179,947 | $16,842,672 | $17,160,531 | $23,904,133 |
| Basic Average Shares | $16,179,947 | $16,842,672 | $17,160,531 | $23,904,133 |
| Diluted NI Availto Com Stockholders | $-540,062 | $-736,191 | $-135,487 | $-368,851 |
| Tax Provision | $0 | $34,381 | $17,851 | $41,299 |
| Gain On Sale Of Ppe | $0 | $620 | $17 | $0 |
| Selling General And Administration | $945,570 | $1,397,990 | $819,826 | $1,221,079 |
| Other Gand A | $945,570 | $1,397,990 | $819,826 | $1,221,079 |
| Other Special Charges | - | $-1,042 | $-273 | - |
Fetched: 2026-02-02
Balance Sheet (Annual)
| Metric | 2025-02-28 | 2024-02-29 | 2023-02-28 | 2022-02-28 |
|---|---|---|---|---|
| Assets | ||||
| Net Tangible Assets | $-468,856 | $-254,807 | $-382,027 | $-255,452 |
| Total Assets | $234,149 | $770,340 | $833,257 | $1,452,189 |
| Total Non Current Assets | $86,435 | $51,215 | $100,255 | $200,143 |
| Non Current Prepaid Assets | $10,807 | $10,408 | $43,289 | $51,784 |
| Current Assets | $147,714 | $719,125 | $733,002 | $1,252,046 |
| Other Current Assets | $52,648 | $2,884 | $1,564 | $3,408 |
| Receivables | $39,704 | $73,395 | $68,447 | $92,633 |
| Accounts Receivable | $39,704 | $73,395 | $68,447 | $92,633 |
| Allowance For Doubtful Accounts Receivable | $-1,892 | $-536 | $-2,022 | $-1,768 |
| Gross Accounts Receivable | $41,596 | $73,931 | $70,469 | $94,401 |
| Cash Cash Equivalents And Short Term Investments | $55,362 | $642,846 | $662,991 | $1,156,005 |
| Cash And Cash Equivalents | $55,362 | $642,846 | $662,991 | $1,156,005 |
| Prepaid Assets | - | - | - | $3,408 |
| Debt | ||||
| Net Debt | $373,938 | - | - | - |
| Total Debt | $489,016 | $397,469 | $420,325 | $417,927 |
| Long Term Debt And Capital Lease Obligation | $168,804 | $76,157 | $95,049 | $186,001 |
| Long Term Debt | $126,165 | $76,157 | $76,157 | $143,800 |
| Current Debt And Capital Lease Obligation | $320,212 | $321,312 | $325,276 | $231,926 |
| Current Debt | $303,135 | $303,143 | $303,143 | $205,500 |
| Other Current Borrowings | $303,135 | $303,143 | $303,143 | $205,500 |
| Liabilities | ||||
| Total Liabilities Net Minority Interest | $703,005 | $1,025,147 | $1,215,284 | $1,707,641 |
| Total Non Current Liabilities Net Minority Interest | $168,804 | $76,157 | $95,049 | $186,001 |
| Current Liabilities | $534,201 | $948,990 | $1,120,235 | $1,521,640 |
| Payables And Accrued Expenses | $213,989 | $627,678 | $794,959 | $1,289,714 |
| Payables | $213,989 | $627,678 | $794,959 | $1,289,714 |
| Accounts Payable | $133,172 | $572,904 | $760,613 | $1,283,800 |
| Total Tax Payable | - | $0 | $4,766 | $2,763 |
| Current Notes Payable | - | - | $29,580 | $3,151 |
| Equity | ||||
| Common Stock Equity | $-468,856 | $-254,807 | $-382,027 | $-255,452 |
| Total Equity Gross Minority Interest | $-468,856 | $-254,807 | $-382,027 | $-255,452 |
| Stockholders Equity | $-468,856 | $-254,807 | $-382,027 | $-255,452 |
| Other Equity Interest | $103,500 | $313,331 | $13,334 | - |
| Gains Losses Not Affecting Retained Earnings | $-71,737 | $-77,247 | $-60,828 | $-39,638 |
| Other Equity Adjustments | $-71,737 | $-77,247 | $-60,828 | $-39,638 |
| Retained Earnings | $-2,163,251 | $-1,623,189 | $-886,998 | $-751,511 |
| Long Term Equity Investment | - | - | $0 | $24,685 |
| Other | ||||
| Ordinary Shares Number | $16,595,211 | $15,708,544 | $17,190,211 | $17,256,878 |
| Share Issued | $16,595,211 | $15,708,544 | $17,190,211 | $17,256,878 |
| Tangible Book Value | $-468,856 | $-254,807 | $-382,027 | $-255,452 |
| Invested Capital | $-39,556 | $124,493 | $-2,727 | $93,848 |
| Working Capital | $-386,487 | $-229,865 | $-387,233 | $-269,594 |
| Capital Lease Obligations | $59,716 | $18,169 | $41,025 | $68,627 |
| Total Capitalization | $-342,691 | $-178,650 | $-305,870 | $-111,652 |
| Additional Paid In Capital | $1,646,037 | $1,116,590 | $535,275 | $518,440 |
| Capital Stock | $16,595 | $15,708 | $17,190 | $17,257 |
| Common Stock | $16,595 | $15,708 | $17,190 | $17,257 |
| Preferred Stock | $0 | $0 | $0 | $0 |
| Long Term Capital Lease Obligation | $42,639 | $0 | $18,892 | $42,201 |
| Current Capital Lease Obligation | $17,077 | $18,169 | $22,133 | $26,426 |
| Dueto Related Parties Current | $80,817 | $54,774 | $29,580 | $3,151 |
| Net PPE | $75,628 | $40,807 | $56,966 | $123,674 |
| Accumulated Depreciation | $-306,205 | $0 | $-263,418 | $-226,291 |
| Gross PPE | $381,833 | $40,807 | $56,966 | $123,674 |
| Machinery Furniture Equipment | $320,795 | $22,638 | $19,868 | $72,173 |
| Buildings And Improvements | $61,038 | $18,169 | $37,098 | $51,501 |
| Properties | $0 | $0 | $0 | $0 |
| Investments And Advances | - | - | $0 | $24,685 |
Fetched: 2026-02-02
Cash Flow Statement (Annual)
| Metric | 2025-02-28 | 2024-02-29 | 2023-02-28 | 2022-02-28 |
|---|---|---|---|---|
| Free Cash Flow | ||||
| Free Cash Flow | $-764,674 | $-169,706 | $-369,053 | $784,722 |
| Operating Activities | ||||
| Operating Cash Flow | $-764,674 | $-145,611 | $-361,066 | $788,818 |
| Cash Flow From Continuing Operating Activities | $-764,674 | $-145,611 | $-361,066 | $788,818 |
| Operating Gains Losses | - | $-620 | $-17 | $-8,047 |
| Investing Activities | ||||
| Investing Cash Flow | $0 | $-23,268 | $-7,177 | $-4,096 |
| Cash Flow From Continuing Investing Activities | $0 | $-23,268 | $-7,177 | $-4,096 |
| Capital Expenditure | - | $-24,095 | $-7,987 | $-4,096 |
| Financing Activities | ||||
| Repurchase Of Capital Stock | $0 | $-23,500 | $0 | $-150,000 |
| Issuance Of Capital Stock | $100,000 | $210,000 | $0 | $0 |
| Financing Cash Flow | $150,000 | $185,488 | $29,592 | $83,459 |
| Cash Flow From Continuing Financing Activities | $150,000 | $185,488 | $29,592 | $83,459 |
| Net Common Stock Issuance | $100,000 | $186,500 | $0 | $-150,000 |
| Common Stock Issuance | $100,000 | $210,000 | $0 | $0 |
| Net Other Financing Charges | - | - | - | - |
| Other | ||||
| Repayment Of Debt | $0 | $-5,012 | $-10,408 | $-13,041 |
| Issuance Of Debt | $50,000 | $4,000 | $40,000 | $246,500 |
| Interest Paid Supplemental Data | $34,641 | $33,430 | $32,870 | $15,580 |
| Income Tax Paid Supplemental Data | $0 | $34,381 | $17,851 | $41,299 |
| End Cash Position | $55,362 | $642,846 | $662,991 | $1,156,005 |
| Beginning Cash Position | $642,846 | $662,991 | $1,156,005 | $307,949 |
| Effect Of Exchange Rate Changes | $27,190 | $-36,754 | $-154,363 | $-20,125 |
| Changes In Cash | $-614,674 | $16,609 | $-338,651 | $868,181 |
| Common Stock Payments | $0 | $-23,500 | $0 | $-150,000 |
| Net Issuance Payments Of Debt | $50,000 | $-1,012 | $29,592 | $233,459 |
| Net Long Term Debt Issuance | $50,000 | $-1,012 | $29,592 | $233,459 |
| Long Term Debt Payments | $0 | $-5,012 | $-10,408 | $-13,041 |
| Long Term Debt Issuance | $50,000 | $4,000 | $40,000 | $246,500 |
| Net PPE Purchase And Sale | $0 | $-23,268 | $-7,177 | $-4,096 |
| Sale Of PPE | $0 | $827 | $810 | $0 |
| Purchase Of PPE | $0 | $-24,095 | $-7,987 | $-4,096 |
| Change In Working Capital | $-417,048 | $-52,846 | $-321,029 | $852,902 |
| Change In Payables And Accrued Expense | $-440,095 | $-73,674 | $-330,790 | $837,573 |
| Change In Payable | $-440,095 | $-73,674 | $-330,790 | $837,573 |
| Change In Account Payable | $-440,095 | $-73,674 | $-330,790 | $837,573 |
| Change In Prepaid Assets | $-10,575 | $30,679 | $1,426 | $1,644 |
| Change In Receivables | $33,622 | $-9,851 | $8,335 | $13,685 |
| Changes In Account Receivables | $33,622 | $-9,851 | $8,335 | $13,685 |
| Other Non Cash Items | $181,420 | $422,354 | $40,931 | $257,368 |
| Stock Based Compensation | $0 | $200,000 | $0 | - |
| Provisionand Write Offof Assets | $3,366 | $3,204 | - | - |
| Depreciation Amortization Depletion | $7,650 | $18,488 | $54,536 | $55,446 |
| Depreciation And Amortization | $7,650 | $18,488 | $54,536 | $55,446 |
| Depreciation | $7,650 | $18,488 | $54,536 | $55,446 |
| Gain Loss On Sale Of PPE | $0 | $-620 | $-17 | $0 |
| Net Income From Continuing Operations | $-540,062 | $-736,191 | $-135,487 | $-368,851 |
| Earnings Losses From Equity Investments | - | - | $0 | $-8,047 |
| Net Investment Purchase And Sale | - | - | - | $0 |
| Purchase Of Investment | - | - | - | $0 |
| Change In Other Current Liabilities | - | - | - | $-17,909 |
| Change In Accrued Expense | - | - | - | $9,921 |
Fetched: 2026-02-02