UPAYUPYY -10.00%30 Days Payable is 195.54 as of Feb. 2026, which is 66% below its 10-year median of 576.11. GuruFocus rates UPYY with a GF Score™ of 30/100 and a GF Value™ of $0.49. The stock has 7 warning signs investors should review. Among 2,604 Software companies, UPAY ranks better than 81.84% on this metric.
UPAY's average Accounts Payable for the
three
months ended in Feb. 2026 was $0.12 Mil. UPAY's Cost of Goods Sold for the
three
months ended in Feb. 2026 was $0.06 Mil.
Hence, UPAY's Days Payable for the
three
months ended in Feb. 2026 was 195.54.
The historical rank and industry rank for UPAY's Days Payable or its related term are showing as below:
UPYY'
s Days Payable Range Over the Past 10 Years
Min: 196.14 Med: 576.11 Max: 842.31
Current: 196.14
During the past 11 years, UPAY's highest Days Payable was 842.31. The lowest was 196.14. And the median was 576.11.
UPYY's Days Payable is ranked better than 81.84% of 2604
companies
in the Software industry
Industry Median: 53.955
vs UPYY: 196.14
UPAY's Days Payable
declined
from Feb. 2025 (214.33) to Feb. 2026 (195.54).
It may suggest that UPAYaccelerated paying its suppliers.
UPAY Days Payable Related Terms
UPAY Days Payable Historical Data
* Premium members only.
The historical data trend for UPAY's Days Payable can be seen below:
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Software - Application subindustry, UPAY's Days Payable, along with its competitors' market caps and Days Payable data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
UPAY Days Payable vs Software Industry
For the Software industry and Technology sector, UPAY's Days Payable distribution charts can be found below:
* The bar in red indicates where UPAY's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
UPAY's Days Payable for the fiscal year that ended in Feb. 2026 is calculated as
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
UPAY (UPYY) has a Days Payable of 195.54 as of Feb. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on UPAY and its competitors. This is 66% below median its historical median of 576.11. Over the past decade, UPAY's Days Payable has ranged from 196.14 to 842.31. According to the industry distribution chart, UPAY ranks #473 out of 2604 companies in the Software industry, placing it in the top 18.2%.
Is UPAY's Days Payable too high?
UPAY's current Days Payable of 195.54 is 66% below median its 10-year median of 576.11. Over the past 10 years, this metric has ranged from a low of 196.14 to a high of 842.31. The Software industry median Days Payable is 53.96. UPAY's value of 195.54 is 262.4% above this industry median. Based on the distribution chart, UPAY ranks #473 out of 2604 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, UPAY has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does UPAY's Days Payable compare to NVNI and IDAI?
According to the Software industry distribution chart, UPAY ranks #473 out of 2604 companies for Days Payable. This places UPAY in the top 18% of its industry — outperforming the majority of peers. The industry median Days Payable is 53.96. UPAY's value of 195.54 is 262.4% above this benchmark. Historically, UPAY's own Days Payable has ranged from 196.14 to 842.31 over the past decade. While the company's 10-year median is 576.11 vs. the industry median of 53.96, UPAY has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Days Payable for a Software company?
The median Days Payable among Software companies is 53.96, based on 2,604 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. UPAY's current Days Payable of 195.54 is 262.4% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on UPAY and its competitors. For the Software industry, the median Days Payable is 53.96 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UPAY's current Days Payable is 195.54, which is 66% below median its own 10-year median of 576.11. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is UPAY stock overvalued right now?
UPAY (UPYY) has a current Days Payable of 195.54. The stock's GF Value™ is $0.49, compared to a current price of $0.90 — trading 83.7% above its estimated fair value. The current Days Payable is 195.54, which is 66% below median its 10-year median of 576.11 and 262.4% above the Software industry median of 53.96. UPAY's overall GF Score™ is 30/100 with 7 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For UPAY (UPYY), the current Days Payable is 195.54 as of Feb. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is UPAY (UPYY) Overvalued in 2026?
Based on GuruFocus' analysis, UPAY stock appears to be overvalued.
The current stock price of $0.90 is trading 83.7% above its estimated GF Value™ of $0.49.
Key valuation signals for UPYY:
Days Payable: 195.54 (66% below median its 10-year median of 576.11)
GF Value™: $0.49 vs. price of $0.90 (83.7% above fair value)
Industry Position: 262.4% above the Software median (#473 of 2604)
No single metric tells the full story. See the UPYY stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
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.
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