Upay

Safety Score

Market Cap $11.36M
Debt $52.14K
Cash $31.94K
EV $11.38M
FCF -$928.16K

Earnings

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Sales & Net Margins

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Earnings	-$728.46K
EBIT	-$669.27K
ROA	-396%
FCF	-$928.16K
Equity	-$357.57K
Growth Stability	1
PE	-15.59
PB	-31.77
P/FCF	-12.24
P/S	12.5
Price/Cash	0
Debt/Equity	-0.15
Debt/FCF	-0.06
Net Margins	-87%
Gross Margins	56%
Op. Margins	-74%
Sales Growth YoY	-59%
Sales Growth QoQ	-11%
Sales CAGR	9%
FCF CAGR	3%
Equity CAGR	-1%
Earnings Growth YoY	-47%

Earnings Growth QoQ	-17%
Sales CAGR 5Y	-0%
FCF CAGR 5Y	3%
Equity CAGR 5Y	-2%
Earnings CAGR 3Y	-11%
Sales CAGR 3Y	-11%
FCF CAGR 3Y	-5%
Market Cap	$11.36M
Revenue	$909.12K
Assets	$168.80K
Total Debt	$52.14K
Cash	$31.94K
Shares Outstanding	16.23M
EV	11.38M
Safety Score	32%
Working Capital	-314.29K
Current Ratio	0.3
Gross Profit	$506.80K
Shares Growth 3y	-4%
Equity Growth QoQ	13%
Equity Growth YoY	174%

Assets & ROA

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Stockholders Equity & ROE

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UPAY Inc is engaged in providing automated loan management system and payment processing solution. The solutions enable payroll administrators and credit providers to view, manage, and control their business from anywhere and at any time. The loan administration software is offered to credit providers, retail stores, provisional service industry such as doctors, lawyers, accountants and others.

SEC Filings

Direct access to Upay (UPYY) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Nov 30
- 10-Q Aug 31
- 10-Q May 31
- 10-K Feb 29
2023
- 10-Q Nov 30
- 10-Q Aug 31
- 10-Q May 31
- 10-K Feb 28
2022
- 10-Q Nov 30
- 10-Q Aug 31
- 10-Q May 31
- 10-K Feb 28

Sector Comparison

How does Upay compare to its competitors?

Not enough data to generate a comparison chart between Upay and its competitors. Please check back later.

Peter Lynch's Chart

This chart shows the current pricing of Upay compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

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Upay Discounted Cash Flow

Fully customizable DCF calculator online for Upay.

Years

Calculation mode

= -$11M

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	-$928K	-$953K	-$979K	-$1M	-$1M	-$1.1M	-$1.1M	-$1.1M	-$1.1M	-$1.2M	-$1.2M	-$12M
DCF		-$866K	-$809K	-$755K	-$705K	-$658K	-$614K	-$574K	-$535K	-$500K	-$467K	-$4.7M
Value	-$11M

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	02/2016	02/2017	02/2018	02/2019	02/2020	02/2021	02/2022	02/2023	02/2024	TTM
Net Margins	1%	-11%	-12%	-4%	-2%	-16%	-25%	-10%	-53%	-87%
ROA	-	-14%	-19%	-4%	-1%	-28%	-22%	-11%	-89%	-396%
ROE	-	-43%	-208%	-20%	-11%	-268%	144%	35%	289%	-

Bad Net Margins (-87.06%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	02/2016	02/2017	02/2018	02/2019	02/2020	02/2021	02/2022	02/2023	02/2024	TTM
Debt over FCF	-	-	-	-	-	-0.28	0.2	-0.14	-0.31	-0.06
Debt over Equity	-	-	-	-	-	0.37	-0.61	-0.14	-0.2	-0.15
Growth Stability	-	-	-	-	-	-	-	-	-	1

Good Debt/FCF ratio (-0.06)

Net Margins are high enough to offer a good protection on the profits in case of higher costs or higher interests. Furthermore higher margins reduce earnings’ volatility.

Good Debt/Equity ratio (-0.15)

The company is not overleveraged and has a good balance between equity and debt.

Good Graham’s Stability (1)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	02/2016	02/2017	02/2018	02/2019	02/2020	02/2021	02/2022	02/2023	02/2024	CAGR 5Y
Revenue YoY growth	-	68%	36%	41%	25%	-19%	31%	-7%	3%	-0%
Earnings YoY growth	-	-1K%	54%	-58%	-48%	767%	105%	-63%	443%	-
Equity YoY growth	-	44%	-68%	337%	-5%	-64%	-481%	50%	-33%	-2%
FCF YoY growth	-	95%	168%	101%	-234%	-77%	-965%	-147%	-54%	3%