Business Description
UPAY Inc
NAICS : 513210
SIC : 7372
ISIN : US9032121082
Share Class Description:
UPYY: Ordinary SharesTotal Employee Number:
16Description
UPAY Inc is engaged in providing automated loan management systems and payment processing solutions. The solutions enable payroll administrators and credit providers to view, manage, and control their business from anywhere and at any time. The Company conducts its principal lending software and credit management operations in South Africa through its ACPAS loan management software platform. The loan administration software is offered to credit providers, retail stores, and the provisional service industry such as doctors, lawyers, accountants, and others. The company has operations in the USA and South Africa.
Financial Strength
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Cash-To-Debt | 0.18 | |||||
Equity-to-Asset | -2.26 | |||||
Debt-to-Equity | -1.05 | |||||
Debt-to-EBITDA | -0.4 | |||||
Piotroski F-Score | 4/9 | |||||
Altman Z-Score | -27 | |||||
Beneish M-Score | -6.79 | |||||
WACC vs ROIC | ||||||
Growth Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Revenue Growth Rate | -18.4 | |||||
3-Year EBITDA Growth Rate | -239.1 | |||||
3-Year EPS without NRI Growth Rate | -40.9 | |||||
3-Year FCF Growth Rate | 8.2 | |||||
3-Year Book Growth Rate | -9.6 |
Momentum Rank
4/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
9-Day RSI | 0.1 | |||||
14-Day RSI | 2.31 | |||||
3-1 Month Momentum % | -10 | |||||
6-1 Month Momentum % | -35.71 | |||||
12-1 Month Momentum % | 28.57 |
Liquidity Ratio
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Current Ratio | 0.37 | |||||
Quick Ratio | 0.37 | |||||
Cash Ratio | 0.23 | |||||
Days Sales Outstanding | 21.63 | |||||
Days Payable | 196.14 |
Dividend & Buy Back
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
3-Year Average Share Buyback Ratio | -0.8 | |||||
Shareholder Yield % | -1.72 |
Profitability Rank
2/10
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
Gross Margin % | 73.46 | |||||
Operating Margin % | -60.72 | |||||
Net Margin % | -188.47 | |||||
EBITDA Margin % | -180.83 | |||||
FCF Margin % | -38.74 | |||||
OCF Margin % | -38.74 | |||||
ROA % | -672.73 | |||||
ROIC % | -128.55 | |||||
3-Year ROIIC % | 276.52 | |||||
ROC (Joel Greenblatt) % | -2000 | |||||
Moat Score | 1 |
GF Value Rank
| Name | Current | Vs Industry | Vs History | |||
|---|---|---|---|---|---|---|
PS Ratio | 20.93 | |||||
EV-to-EBIT | -12.02 | |||||
EV-to-EBITDA | -12.08 | |||||
EV-to-Revenue | 21.85 | |||||
EV-to-FCF | -56.4 | |||||
Price-to-GF-Value | 1.84 | |||||
Earnings Yield (Greenblatt) % | -8.32 | |||||
FCF Yield % | -1.82 |
Operating Revenue by Business Segment
Operating Revenue by Geographic Region
Historical Operating Revenue by Business Segment
Historical Operating Revenue by Geographic Region
Guru Trades
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Peter Lynch Chart
Performance
Dividend
Log
Bar
Annualized Return % Â
Total Annual Return % Â
UPAY Inc Executives
DetailsAnalyst Estimate
Key Statistics
| Name | Value | ||
|---|---|---|---|
| Revenue (TTM) (Mil $) | 0.746 | ||
| EPS (TTM) ($) | -0.08 | ||
| Beta | 0.7977 | ||
| 3-Year Sharpe Ratio | 0.25 | ||
| 3-Year Sortino Ratio | 0.55 | ||
| Volatility % | 132.73 | ||
| 14-Day RSI | 2.31 | ||
| 14-Day ATR ($) | 0.000117 | ||
| 20-Day SMA ($) | 0.9 | ||
| 12-1 Month Momentum % | 28.57 | ||
| 52-Week Range ($) | 0.6001 - 4.75 | ||
| Shares Outstanding (Mil) | 17.62 |
Piotroski F-Score Details
Year:
| Component | Result | ||
|---|---|---|---|
| Piotroski F-Score | 4 | ||
| Positive ROA | |||
| Positive CFROA | |||
| Higher ROA yoy | |||
| CFROA > ROA | |||
| Lower Leverage yoy | |||
| Higher Current Ratio yoy | |||
| Less Shares Outstanding yoy | |||
| Higher Gross Margin yoy | |||
| Higher Asset Turnover yoy |
UPAY Inc Filings
| Filing Date | Document Date | Form | ||
|---|---|---|---|---|
| No Filing Data | ||||
UPAY Inc Stock Events
| Event | Date | Price ($) | ||
|---|---|---|---|---|
| No Event Data | ||||
UPAY Inc Frequently Asked Questions
What is UPAY Inc(UPYY)'s stock price today?
The current price of UPYY is $0.90. The 52 week high of UPYY is $4.75 and 52 week low is $0.60.
When is next earnings date of UPAY Inc(UPYY)?
The next earnings date of UPAY Inc(UPYY) is .
Does UPAY Inc(UPYY) pay dividends? If so, how much?
UPAY Inc(UPYY) does not pay dividend.
Guru Commentaries on OTCPK:UPYY
No articles.
Press Release
| Subject | Date | |||
|---|---|---|---|---|
| No Press Release | ||||
Articles on UPAY Inc
No articles.
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