UPAY (UPYY) Total Liabilities: $0.74 Mil (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 Total Liabilities?

UPAY UPYY -10.00% 30 Total Liabilities is $0.74 Mil 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.

UPAY's Total Liabilities for the quarter that ended in Feb. 2026 was $0.74 Mil.

UPAY's quarterly Total Liabilities declined from Aug. 2025 ($0.83 Mil) to Nov. 2025 ($0.70 Mil) but then increased from Nov. 2025 ($0.70 Mil) to Feb. 2026 ($0.74 Mil).

UPAY's annual Total Liabilities declined from Feb. 2024 ($1.03 Mil) to Feb. 2025 ($0.70 Mil) but then increased from Feb. 2025 ($0.70 Mil) to Feb. 2026 ($0.74 Mil).

UPAY Total Liabilities Historical Data

* Premium members only.

The historical data trend for UPAY's Total Liabilities 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 Total Liabilities Chart

UPAY Annual Data
Trend Feb17 Feb18 Feb19 Feb20 Feb21 Feb22 Feb23 Feb24 Feb25 Feb26
Total Liabilities
Get a 7-Day Free Trial Premium Member Only Premium Member Only 1.71 1.22 1.03 0.70 0.74

UPAY Quarterly Data
May21 Aug21 Nov21 Feb22 May22 Aug22 Nov22 Feb23 May23 Aug23 Nov23 Feb24 May24 Aug24 Nov24 Feb25 May25 Aug25 Nov25 Feb26
Total Liabilities 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 0.70 0.78 0.83 0.70 0.74
UPYY
30GF Score
UPAY Inc UPYY
Total Liabilities is just one metric. See GF Score™, valuation, warning signs, and more.
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UPAY Total Liabilities Calculation

Total Liabilities are the liabilities that the company has to pay others. It is a part of the balance sheet of a company that shareholders do not own, and would be obligated to pay back if the company liquidated.

UPAY's Total Liabilities for the fiscal year that ended in Feb. 2026 is calculated as

Total Liabilities=Total Current Liabilities+Total Noncurrent Liabilities
=Total Current Liabilities+(Long-Term Debt & Capital Lease Obligation+Other Long-Term Liabilities
=0.42+(0.321+0
+NonCurrent Deferred Liabilities+PensionAndRetirementBenefit+NonCurrent Deferred Income Tax)
+0+0+0)
=0.74

Total Liabilities=Total Assets (A: Feb. 2026 )-Total Equity (A: Feb. 2026 )
=0.227--0.514
=0.74

UPAY's Total Liabilities for the quarter that ended in Feb. 2026 is calculated as

Total Liabilities=Total Current Liabilities+Total Noncurrent Liabilities
=Total Current Liabilities+(Long-Term Debt & Capital Lease Obligation+Other Long-Term Liabilities
=0.42+(0.321+0
+NonCurrent Deferred Liabilities+PensionAndRetirementBenefit+NonCurrent Deferred Income Tax)
+0+0+0)
=0.74

Total Liabilities=Total Assets (Q: Feb. 2026 )-Total Equity (Q: Feb. 2026 )
=0.227--0.514
=0.74

* 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 Total Liabilities →
What does a Total Liabilities of $0.74 Mil mean?
UPAY (UPYY) has a Total Liabilities of $0.74 Mil as of Feb. 2026. The total amount of liabilities as recorded on a company's balance sheet. View historical data for UPAY and its competitors.
Is UPAY's Total Liabilities too high?
UPAY's current Total Liabilities is $0.74 Mil. Overall, UPAY has a GF Score™ of 30/100, reflecting its overall financial health beyond just this single metric.
How does UPAY's Total Liabilities compare to NVNI and IDAI?
UPAY's Total Liabilities of $0.74 Mil 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 Total Liabilities for a Software company?
A good Total Liabilities depends on the Software industry context. However, Total Liabilities 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 Total Liabilities mean?
A high Total Liabilities can signal that a stock is expensive relative to its fundamentals. The total amount of liabilities as recorded on a company's balance sheet. View historical data for UPAY and its competitors. UPAY's current Total Liabilities is $0.74 Mil. 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 Total Liabilities of $0.74 Mil. 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 Total Liabilities is $0.74 Mil. 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 Total Liabilities calculated?
Total Liabilities is calculated from a company's financial statements. For UPAY (UPYY), the current Total Liabilities is $0.74 Mil 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:

  • Total Liabilities: $0.74 Mil
  • 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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Total Liabilities is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$0.90
Price
$0.49
GF Value