Scaled Net Operating Assets (SNOA) is calculated as the difference between operating assets and operating liabilities, scaled by lagged total assets.
UPAY's operating assets for the quarter that ended in Feb. 2026 was $0.13 Mil. UPAY's operating liabilities for the quarter that ended in Feb. 2026 was $0.20 Mil. UPAY's Total Assets for the quarter that ended in Nov. 2025 was $0.21 Mil. Therefore, UPAY's scaled net operating assets (SNOA) for the quarter that ended in Feb. 2026 was -0.32.
UPAY Scaled Net Operating Assets Related Terms
UPAY Scaled Net Operating Assets Historical Data
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The historical data trend for UPAY's Scaled Net Operating 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: Scaled Net Operating Assets Comparison
For the Software - Application subindustry, UPAY's Scaled Net Operating Assets, along with its competitors' market caps and Scaled Net Operating 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 Scaled Net Operating Assets vs Software Industry
For the Software industry and Technology sector, UPAY's Scaled Net Operating Assets distribution charts can be found below:
* The bar in red indicates where UPAY's Scaled Net Operating Assets 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.
What does a Scaled Net Operating Assets of -0.32 mean?
UPAY (UPYY) has a Scaled Net Operating Assets of -0.32 as of Feb. 2026. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on UPAY and its competitors.
Is UPAY's Scaled Net Operating Assets too high?
UPAY's current Scaled Net Operating Assets is -0.32. Overall, UPAY has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does UPAY's Scaled Net Operating Assets compare to NVNI and IDAI?
UPAY's Scaled Net Operating Assets of -0.32 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 Scaled Net Operating Assets for a Software company?
A good Scaled Net Operating Assets depends on the Software industry context. However, Scaled Net Operating 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 Scaled Net Operating Assets mean?
A high Scaled Net Operating Assets can signal that a stock is expensive relative to its fundamentals. Scaled net operating assets equals current-period operating assets less operating liabilities less prior-period total assets. View historical data on UPAY and its competitors. UPAY's current Scaled Net Operating Assets is -0.32. 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 Scaled Net Operating Assets of -0.32. 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 Scaled Net Operating Assets is -0.32. 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 Scaled Net Operating Assets calculated?
Scaled Net Operating Assets is calculated from a company's financial statements. For UPAY (UPYY), the current Scaled Net Operating Assets is -0.32 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:
Scaled Net Operating Assets: -0.32
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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