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 Liabilities
Latest total liabilities as of November 2025: $698.20K USD
Based on the latest financial reports, UPAY Inc (UPYY) has total liabilities worth $698.20K USD as of November 2025.
Total liabilities represent everything the company owes to external parties, combining both current liabilities—like accounts payable, short-term debt, and accrued expenses—and non-current liabilities such as long-term debt, pension obligations, lease liabilities, and deferred tax liabilities.
UPAY Inc - Total Liabilities Trend (2019–2025)
This chart illustrates how UPAY Inc's total liabilities have evolved over time, based on quarterly financial data. Explore and compare other companies by total liabilities.
UPAY Inc Competitors by Total Liabilities
The table below lists competitors of UPAY Inc ranked by their total liabilities.
| Company | Country | Total Liabilities |
|---|---|---|
|
Trimitra Propertindo Tbk PT
JK:LAND
|
Indonesia | Rp304.46 Billion |
|
Ralco Corporation Bhd
KLSE:7498
|
Malaysia | RM35.83 Million |
|
Amtel Holdings Bhd
KLSE:7031
|
Malaysia | RM18.08 Million |
|
Willow Biosciences Inc
OTCQB:CANSF
|
USA | $164.00K |
|
Sanwil Holding SA
WAR:SNW
|
Poland | zł13.72 Million |
|
4Front Ventures Corp
OTCQX:FFNTF
|
USA | $326.54 Million |
|
Enablence Technologies Inc
PINK:ENAFF
|
USA | $57.68 Million |
|
Wira Global Solusi Tbk PT
JK:WGSH
|
Indonesia | Rp17.98 Billion |
Liability Composition Analysis (2019–2025)
This chart breaks down UPAY Inc's total liabilities into key components over time: long-term debt, short-term debt, other current liabilities, and other non-current liabilities. Toggle between absolute values and percentage view to see how the composition has shifted.
Liquidity & Leverage Metrics
Key Metrics Explained
| Metric | Value | Description |
|---|---|---|
| Current Ratio | 0.41 | Measures ability to pay short-term obligations (Current Assets ÷ Current Liabilities) |
| Quick Ratio | N/A | More stringent measure of short-term liquidity ((Current Assets - Inventory) ÷ Current Liabilities) |
| Cash Ratio | N/A | Most conservative liquidity measure (Cash & Equivalents ÷ Current Liabilities) |
| Debt to Equity | -1.44 | Measures financial leverage (Total Liabilities ÷ Shareholder Equity) |
| Debt to Assets | 3.30 | Portion of assets financed with debt (Total Liabilities ÷ Total Assets) |
Liability Trends Comparison
This chart compares key liability metrics across different time periods, showing how UPAY Inc's debt structure has evolved. The comparison includes total liabilities, long-term debt, and current liabilities.
Annual Total Liabilities for UPAY Inc (2019–2025)
The table below shows the annual total liabilities of UPAY Inc from 2019 to 2025.
| Year | Total Liabilities | Change |
|---|---|---|
| 2025-02-28 | $703.00K | -31.42% |
| 2024-02-29 | $1.03 Million | -15.65% |
| 2023-02-28 | $1.22 Million | -28.83% |
| 2022-02-28 | $1.71 Million | +204.72% |
| 2021-02-28 | $560.40K | +50.15% |
| 2020-02-29 | $373.22K | -54.79% |
| 2019-02-28 | $825.55K | -- |