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Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities, calculated as total liabilities divided by total asset. UPAY's Total Liabilities for the quarter that ended in May. 2026 was $0.81 Mil. UPAY's Total Assets for the quarter that ended in May. 2026 was $0.22 Mil.
Therefore, UPAY's Liabilities-to-Assets Ratio for the quarter that ended in May. 2026 was 3.60.
Liabilities-to-Assets is a solvency ratio indicating how much of the company’s assets are made of liabilities. It can vary greatly across different industries, as they have different capital structure. A high Liabilities-to-Assets ratio (more leveraged) suggests that the company might have potential solvency problems, or even a signal of financial distress. Conversely, a low Liabilities-to-Assets ratio usually indicates a healthy financial situation. However, it may also suggest that the company is not expanding or not making good use of debt.
UPAY Liabilities-to-Assets Related Terms
UPAY Liabilities-to-Assets Historical Data
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The historical data trend for UPAY's Liabilities-to-Assets 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: Liabilities-to-Assets Comparison
For the Software - Application subindustry, UPAY's Liabilities-to-Assets, along with its competitors' market caps and Liabilities-to-Assets 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 Liabilities-to-Assets vs Software Industry
For the Software industry and Technology sector, UPAY's Liabilities-to-Assets distribution charts can be found below:
* The bar in red indicates where UPAY's Liabilities-to-Assets falls into.
Liabilities-to-Assets ratio measures the portion of the total liabilities to the total asset. It indicates the leverage of the company, and the amount of debt the company uses in its operation.
Liabilities-to-Assets ratio is calculated by dividing total liabilities by total asset.
UPAY's Liabilities-to-Assets Ratio 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 Liabilities-to-Assets of 3.60 as of May. 2026. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on UPAY and its competitors.
Is UPAY's Liabilities-to-Assets too high?
UPAY's current Liabilities-to-Assets is 3.60. Overall, UPAY has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does UPAY's Liabilities-to-Assets compare to NVNI and IDAI?
UPAY's Liabilities-to-Assets of 3.60 can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Liabilities-to-Assets for a Software company?
A good Liabilities-to-Assets depends on the Software industry context. However, Liabilities-to-Assets 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 Liabilities-to-Assets mean?
A high Liabilities-to-Assets can signal that a stock is expensive relative to its fundamentals. Liabilities-to-Assets equals total liabilities divided by total assets. It measures financial leverage. View historical data on UPAY and its competitors. UPAY's current Liabilities-to-Assets is 3.60. 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 Liabilities-to-Assets of 3.60. 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 Liabilities-to-Assets is 3.60. 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 Liabilities-to-Assets calculated?
Liabilities-to-Assets is calculated from a company's financial statements. For UPAY (UPYY), the current Liabilities-to-Assets is 3.60 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:
Liabilities-to-Assets: 3.60
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.
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