UPAY (UPYY) LT-Debt-to-Total-Asset: 1.41 (As of Feb. 2026)


UPYY UPAY Inc UPYY
30 GF Score
Price $0.90
GF Value $0.49
! 7 Warning Signs
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What is UPAY LT-Debt-to-Total-Asset?

UPAY UPYY -10.00% 30 LT-Debt-to-Total-Asset is 1.41 as of Feb. 2026. 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.

LT Debt to Total Assets is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. It is calculated as a company's Long-Term Debt & Capital Lease Obligationdivide by its Total Assets. UPAY's long-term debt to total assests ratio for the quarter that ended in Feb. 2026 was 1.41.

UPAY's long-term debt to total assets ratio increased from Feb. 2025 (0.72) to Feb. 2026 (1.41). It may suggest that UPAY is progressively becoming more dependent on debt to grow their business.

UPAY  (OTCPK:UPYY) LT-Debt-to-Total-Asset Explanation

LT Debt to Total Asset is a measurement representing the percentage of a corporation's assets that are financed with loans and financial obligations lasting more than one year. The ratio provides a general measure of the financial position of a company, including its ability to meet financial requirements for outstanding loans. A year-over-year decrease in this metric would suggest the company is progressively becoming less dependent on debt to grow their business.

UPAY LT-Debt-to-Total-Asset Related Terms

UPAY LT-Debt-to-Total-Asset Historical Data

* Premium members only.

The historical data trend for UPAY's LT-Debt-to-Total-Asset 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.

UPAY LT-Debt-to-Total-Asset Chart

UPAY Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
LT-Debt-to-Total-Asset
Get a 7-Day Free Trial Premium Member Only Premium Member Only 0.13 0.11 0.10 0.72 1.41

UPAY Quarterly Data
May21 Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26
LT-Debt-to-Total-Asset Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 0.72 1.43 1.91 1.71 1.41
UPYY
30GF Score
UPAY Inc UPYY
LT-Debt-to-Total-Asset is just one metric. See GF Score™, valuation, warning signs, and more.
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UPAY LT-Debt-to-Total-Asset Calculation

UPAY's Long-Term Debt to Total Asset Ratio for the fiscal year that ended in Feb. 2026 is calculated as

LT Debt to Total Assets (A: Feb. 2026 )=Long-Term Debt & Capital Lease Obligation (A: Feb. 2026 )/Total Assets (A: Feb. 2026 )
=0.321/0.227
=1.41

UPAY's Long-Term Debt to Total Asset Ratio for the quarter that ended in Feb. 2026 is calculated as

LT Debt to Total Assets (Q: Feb. 2026 )=Long-Term Debt & Capital Lease Obligation (Q: Feb. 2026 )/Total Assets (Q: Feb. 2026 )
=0.321/0.227
=1.41

* 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.

Frequently Asked Questions Learn more about LT-Debt-to-Total-Asset →
What does a LT-Debt-to-Total-Asset of 1.41 mean?
UPAY (UPYY) has a LT-Debt-to-Total-Asset of 1.41 as of Feb. 2026. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on UPAY and its competitors.
Is UPAY's LT-Debt-to-Total-Asset too high?
UPAY's current LT-Debt-to-Total-Asset is 1.41. Overall, UPAY has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does UPAY's LT-Debt-to-Total-Asset compare to NVNI and IDAI?
UPAY's LT-Debt-to-Total-Asset of 1.41 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 LT-Debt-to-Total-Asset for a Software company?
A good LT-Debt-to-Total-Asset depends on the Software industry context. However, LT-Debt-to-Total-Asset 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 LT-Debt-to-Total-Asset mean?
A high LT-Debt-to-Total-Asset can signal that a stock is expensive relative to its fundamentals. Long-term Debt to Total Asset ratio is the ratio of total long-term debt to total assets. View historical data on UPAY and its competitors. UPAY's current LT-Debt-to-Total-Asset is 1.41. 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 LT-Debt-to-Total-Asset of 1.41. 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 LT-Debt-to-Total-Asset is 1.41. 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 LT-Debt-to-Total-Asset calculated?
LT-Debt-to-Total-Asset is calculated from a company's financial statements. For UPAY (UPYY), the current LT-Debt-to-Total-Asset is 1.41 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:

  • LT-Debt-to-Total-Asset: 1.41
  • GF Value™: $0.49 vs. price of $0.90 (83.7% above fair value)
  • GF Score™: 30/100 with 7 warning signs

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 Business Description

Address 3010 LBJ Freeway, No. 1200, 12th Floor, Dallas, TX, USA, 75234
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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LT-Debt-to-Total-Asset is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.90
Price
$0.49
GF Value