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) - Total Assets
Latest total assets as of November 2025: $211.84K USD
Based on the latest financial reports, UPAY Inc (UPYY) holds total assets worth $211.84K USD as of November 2025.
Total assets represent everything the company owns and controls, combining both current assets—like cash and cash equivalents, accounts receivable, and inventories—and non-current assets such as property, plant, equipment (PP&E), intangible assets, and long-term investments.
UPAY Inc - Total Assets Trend (2019–2025)
This chart illustrates how UPAY Inc’s total assets have evolved over time, based on quarterly financial data. Explore and compare other companies by total assets.
UPAY Inc - Asset Composition Analysis
Current Asset Composition (February 2025)
UPAY Inc's total assets of $211.84K consist of 63.1% current assets and 36.9% non-current assets.
| Asset Category | Amount (USD) | % of Total Assets |
|---|---|---|
| Cash & Equivalents | $0.00 | 23.6% |
| Accounts Receivable | $39.70K | 17.0% |
| Inventory | $0.00 | 0.0% |
| Property, Plant & Equipment | $0.00 | 0.0% |
| Intangible Assets | $0.00 | 0.0% |
| Goodwill | $0.00 | 0.0% |
Asset Composition Trend (2019–2025)
This chart illustrates how UPAY Inc's asset composition has evolved over time. Understanding changes in asset allocation can provide insights into the company's strategic shifts, capital allocation priorities, and business focus evolution.
Key Asset Composition Facts
- Current vs. Non-Current Assets: UPAY Inc's current assets represent 63.1% of total assets in 2025, a decrease from 78.1% in 2019.
- Cash Position: Cash and equivalents constituted 23.6% of total assets in 2025, down from 67.6% in 2019.
- Tangible vs. Intangible: Intangible assets (including goodwill) make up 0.0% of total assets, unchanged from 0.0% in 2019.
- Asset Diversification: The largest asset category is accounts receivable at 17.0% of total assets.
UPAY Inc Competitors by Total Assets
Key competitors of UPAY Inc based on total assets are shown below.
| Company | Country | Total Assets |
|---|---|---|
|
Alpha Modus Holdings, Inc
NASDAQ:AMOD
|
USA | $403.26K |
|
Opter AB
ST:OPTER
|
Sweden | Skr42.72 Million |
|
TurnKey Capital Inc
PINK:TKCI
|
USA | $870.80 Million |
|
Digital China Information Service Co Ltd
SHE:000555
|
China | CN¥13.60 Billion |
|
Fujian Newland Computer Co Ltd
SHE:000997
|
China | CN¥13.83 Billion |
|
YGSOFT Inc
SHE:002063
|
China | CN¥4.58 Billion |
|
Dhc Software Co Ltd
SHE:002065
|
China | CN¥25.81 Billion |
|
Zhejiang Netsun Co Ltd
SHE:002095
|
China | CN¥1.57 Billion |
UPAY Inc - Asset Efficiency Metrics
Asset efficiency metrics measure how effectively a company uses its assets to generate revenue and profits. These indicators help investors evaluate management's ability to deploy capital efficiently.
Asset Turnover Ratio
Measures how efficiently a company uses its assets to generate sales
Strong asset utilization - UPAY Inc generates 3.05x its asset value in annual revenue.
Return on Assets (ROA)
Measures how efficiently a company uses its assets to generate profits
Negative ROA - UPAY Inc is currently not profitable relative to its asset base.
UPAY Inc - Liquidity and Working Capital Analysis
Liquidity ratios measure a company's ability to pay off its short-term debts as they come due, using the company's current or quick assets. Working capital represents the operational liquidity available.
Key Liquidity Metrics
| Metric | Current | 1 Year Ago | 5 Years Ago |
|---|---|---|---|
| Current Ratio | 0.41 | 0.30 | 1.02 |
| Quick Ratio | 0.41 | 0.30 | 1.02 |
| Cash Ratio | 0.00 | 0.00 | 0.00 |
| Working Capital | $-199.28K | $ -314.29K | $ 8.17K |
UPAY Inc - Advanced Valuation Insights
This section examines the relationship between UPAY Inc's asset base and its market valuation, helping to identify whether the company's assets are efficiently translated into market value.
Key Valuation Metrics
| Current Price-to-Book Ratio | 481.36 |
| Latest Market Cap to Assets Ratio | 12.17 |
| Asset Growth Rate (YoY) | -69.6% |
| Total Assets | $234.15K |
| Market Capitalization | $2.85 Million USD |
Valuation Analysis
Premium Asset Valuation: The market values UPAY Inc's assets at a significant premium ( 12.17x), suggesting investors see substantial growth potential or unique competitive advantages.
Significant Asset Reduction: UPAY Inc's assets decreased by 69.6% over the past year, potentially indicating divestiture, restructuring, or challenging business conditions.
Annual Total Assets for UPAY Inc (2019–2025)
The table below shows the annual total assets of UPAY Inc from 2019 to 2025.
| Year | Total Assets | Change |
|---|---|---|
| 2025-02-28 | $234.15K | -69.60% |
| 2024-02-29 | $770.34K | -7.55% |
| 2023-02-28 | $833.26K | -42.62% |
| 2022-02-28 | $1.45 Million | +131.43% |
| 2021-02-28 | $627.49K | +12.01% |
| 2020-02-29 | $560.21K | -45.24% |
| 2019-02-28 | $1.02 Million | -- |