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A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for UPAY's Debt-to-EBITDA or its related term are showing as below:
UPYY'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: -14 Med: -0.8 Max: 3.77
Current: -0.46
During the past 11 years, the highest Debt-to-EBITDA Ratio of UPAY was 3.77. The lowest was -14.00. And the median was -0.80.
UPYY's Debt-to-EBITDA is not ranked
in the Software industry.
Industry Median: 1.08
vs UPYY: -0.46
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
UPAY Debt-to-EBITDA Related Terms
UPAY Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for UPAY's Debt-to-EBITDA 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.
UPYY vs NVNI, IDAI, KNRX: Debt-to-EBITDA Comparison
For the Software - Application subindustry, UPAY's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Software Industry
For the Software industry and Technology sector, UPAY's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where UPAY's Debt-to-EBITDA falls into.
* 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is four times the quarterly (May. 2026) EBITDA data.
UPAY (UPYY) has a Debt-to-EBITDA of -1.51 as of May. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on UPAY.
Is UPAY's Debt-to-EBITDA too high?
UPAY's current Debt-to-EBITDA is -1.51. Overall, UPAY has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does UPAY's Debt-to-EBITDA compare to NVNI and IDAI?
UPAY's Debt-to-EBITDA of -1.51 can be compared against companies in the Software industry. The industry median Debt-to-EBITDA is 1.08. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-EBITDA for a Software company?
The median Debt-to-EBITDA among Software companies is 1.08, based on 1,716 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on UPAY. For the Software industry, the median Debt-to-EBITDA is 1.08 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. UPAY's current Debt-to-EBITDA is -1.51. 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 Debt-to-EBITDA of -1.51. 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 Debt-to-EBITDA is -1.51. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For UPAY (UPYY), the current Debt-to-EBITDA is -1.51 as of May. 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:
Debt-to-EBITDA: -1.51
GF Value™: $0.49 vs. price of $0.90 (83.7% above fair value)
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.
30GF Score
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Debt-to-EBITDA is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.
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