UPAY Inc
UPAY, Inc. provides a web-based client and loan administration software platform under the automated credit provider administration system (ACPAS) name to registered lenders in South Africa. The company offers a cloud-based loan origination software system that enables customers to grant loans, sell products, pay bills, or pay monthly subscriptions on terms. It also develops tailor-made web sites… Read more
UPAY Inc (UPYY) - Cash Flow Conversion Efficiency
Latest cash flow conversion efficiency as of November 2025: 0.145x
Based on the latest financial reports, UPAY Inc (UPYY) has a cash flow conversion efficiency ratio of 0.145x as of November 2025.
Cash flow conversion efficiency measures how effectively a company's net assets (equity) generate operating cash flow. It is calculated by dividing operating cash flow ($-70.61K) by net assets ($-486.35K). A higher ratio indicates that the company is more efficient at using its equity to generate cash flow from its core operations.
UPAY Inc - Cash Flow Conversion Efficiency Trend (2019–2025)
This chart illustrates how UPAY Inc's cash flow conversion efficiency has evolved over time, based on yearly financial data. Explore and compare other companies by cash flow conversion efficiency.
UPAY Inc Competitors by Cash Flow Conversion Efficiency
The table below lists competitors of UPAY Inc ranked by their cash flow conversion efficiency.
| Company | Cash Flow Conversion Efficiency |
|---|---|
|
Willow Biosciences Inc
OTCQB:CANSF
|
-0.041x |
|
Amtel Holdings Bhd
KLSE:7031
|
0.083x |
|
Ralco Corporation Bhd
KLSE:7498
|
0.015x |
|
Trimitra Propertindo Tbk PT
JK:LAND
|
-0.028x |
|
Sanwil Holding SA
WAR:SNW
|
0.005x |
|
4Front Ventures Corp
OTCQX:FFNTF
|
0.031x |
|
Enablence Technologies Inc
PINK:ENAFF
|
0.109x |
|
Wira Global Solusi Tbk PT
JK:WGSH
|
0.021x |
Annual Cash Flow Conversion Efficiency for UPAY Inc (2019–2025)
The table below shows the annual cash flow conversion efficiency of UPAY Inc from 2019 to 2025.
| Year | Net Assets | Operating Cash Flow | Cash Flow Conversion Efficiency | Change |
|---|---|---|---|---|
| 2025-02-28 | $-468.86K | $-764.67K | 1.631x | +185.40% |
| 2024-02-29 | $-254.81K | $-145.61K | 0.571x | -39.54% |
| 2023-02-28 | $-382.03K | $-361.07K | 0.945x | +130.61% |
| 2022-02-28 | $-255.45K | $788.82K | -3.088x | -144.35% |
| 2021-02-28 | $67.08K | $-84.77K | -1.264x | +40.15% |
| 2020-02-29 | $186.99K | $-394.84K | -2.112x | -236.58% |
| 2019-02-28 | $197.39K | $305.18K | 1.546x | -- |