Financial Snapshot

Revenue
$575.7K
TTM
Gross Margin
62.96%
TTM
Net Earnings
-$501.2K
TTM
Current Assets
Q4 2024
Current Liabilities
Q4 2024
Current Ratio
30.19%
Q4 2024
Total Assets
Q4 2024
Total Liabilities
Q4 2024
Book Value
-$357.6K
Q4 2024
Cash
Q4 2024
P/E
-32.18
Nov 11, 2024 EST
Free Cash Flow

Revenues

Revenues

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Revenue YoY Change

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Revenues

Concept 2024 2023 2022 2020 2019 2018 2017 2016
Revenue $1.394M $1.360M $1.459M $1.370M $1.100M $780.0K $570.0K $340.0K
YoY Change 2.53% -6.77% 24.55% 41.03% 36.84% 67.65%

Expenses

Cost Of Revenues

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Gross Profit

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Gross Profit Margin

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Gross Profit

Concept 2024 2023 2022 2020 2019 2018 2017 2016
Revenue $1.394M $1.360M $1.459M $1.370M $1.100M $780.0K $570.0K $340.0K
Cost Of Revenue $659.8K $574.9K $505.4K $360.0K $270.0K $140.0K $60.00K $50.00K
Gross Profit $734.6K $785.1K $953.4K $1.010M $830.0K $630.0K $510.0K $290.0K
Gross Profit Margin 52.68% 57.73% 65.36% 73.72% 75.45% 80.77% 89.47% 85.29%

Selling, General & Admin Expense

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Research & Development

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Depreciation, Depletion & Amortization

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SGA Expense to Gross Profit Ratio

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R&D To Gross Profit Ratio

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DDA To Gross Profit Ratio

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Operating Expenses Total

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Operating Profits/Loss

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Operational Expenses

Concept 2024 2023 2022 2020 2019 2018 2017 2016
Selling, General & Admin $960.0K $820.0K $720.0K $550.0K $270.0K
YoY Change 17.07% 13.89% 30.91% 103.7%
% of Gross Profit 95.05% 98.8% 114.29% 107.84% 93.1%
Research & Development
YoY Change
% of Gross Profit
Depreciation & Amortization $17.61K $46.19K $45.13K $50.00K $50.00K $10.00K $10.00K $0.00
YoY Change -61.88% 2.36% 0.0% 400.0% 0.0%
% of Gross Profit 2.4% 5.88% 4.73% 4.95% 6.02% 1.59% 1.96% 0.0%
Operating Expenses $1.416M $874.4K $1.277M $1.020M $870.0K $730.0K $560.0K $280.0K
YoY Change 62.0% -31.5% 17.24% 19.18% 30.36% 100.0%
Operating Profit -$681.9K -$89.24K -$323.1K -$10.00K -$40.00K -$100.0K -$50.00K $10.00K
YoY Change 664.06% -72.38% -75.0% -60.0% 100.0% -600.0%

Interest Expenses

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Interest Expenses To Operating Income %

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Other Expense/Income

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Interest & Other Expense/Income

Concept 2024 2023 2022 2020 2019 2018 2017 2016
Interest Expense $33.43K $32.87K $15.58K $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change 1.7% 110.98%
% of Operating Profit 0.0%
Other Income/Expense, Net
YoY Change

Income/Loss

Pretax Income

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Income Tax

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Net Profits/Loss

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Pretax Income YoY Change

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Income Tax Rate

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Net Profits/Loss YoY Change

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Basic EPS

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Net Income To Revenue Ratio

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Pretax & Net Income

Concept 2024 2023 2022 2020 2019 2018 2017 2016
Pretax Income -$701.8K -$117.6K -$327.6K $0.00 -$40.00K -$90.00K -$50.00K $10.00K
YoY Change 496.59% -64.09% -100.0% -55.56% 80.0% -600.0%
Income Tax $34.38K $17.85K $41.30K $20.00K $0.00 $10.00K $10.00K $0.00
% Of Pretax Income 0.0%
Net Earnings -$736.2K -$135.5K -$368.9K -$20.00K -$40.00K -$90.00K -$60.00K $0.00
YoY Change 443.37% -63.27% -50.0% -55.56% 50.0%
Net Earnings / Revenue -52.8% -9.96% -25.28% -1.46% -3.64% -11.54% -10.53% 0.0%
Basic Earnings Per Share -$0.04 -$0.01 -$0.02
Diluted Earnings Per Share -$0.04 -$0.01 -$0.02 -$859.80 -$1.564K -$3.763K -$2.532K $0.00

Assets & Liabilities

Cash & Short-Term Investments

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Cash & Equivalents

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Cash To Operating Expenses Ratio

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Inventory

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Receivables

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Total Short-Term Assets

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Property, Plant And Equipment

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Long-Term Investments

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Total Long-Term Assets

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Total Assets

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Net Income To Total Assets Percentage

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Accounts Payable

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Short-Term Debt

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Long Term Debt Due

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Total Short-Term Liabilities

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Long-Term Debt

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Other Long-Term Liabilities

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Total Long-Term Liabilities

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Total Liabilities

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Short-Term To Long-Term Debt Ratio

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Short-Term Assets To Debt Ratio

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Long-Term Debt To Net Income Ratio

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Assets & Liabilities

Concept 2024 2023 2022 2020 2019 2018 2017 2016
Cash & Short-Term Investments $290.0K $690.0K $410.0K $260.0K $150.0K
YoY Change -57.97% 68.29% 57.69% 73.33%
Cash & Equivalents $290.0K $690.0K $410.0K $260.0K $150.0K
Short-Term Investments
Other Short-Term Assets $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change
Inventory
Prepaid Expenses
Receivables $90.00K $100.0K $60.00K $90.00K $30.00K
Other Receivables $0.00 $0.00 $0.00 $0.00 $10.00K
Total Short-Term Assets $390.0K $800.0K $470.0K $350.0K $180.0K
YoY Change -51.25% 70.21% 34.29% 94.44%
Property, Plant & Equipment $170.0K $220.0K $10.00K $10.00K $10.00K
YoY Change -22.73% 2100.0% 0.0% 0.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments
YoY Change
Other Assets
YoY Change
Total Long-Term Assets $170.0K $220.0K $0.00 $10.00K $10.00K
YoY Change -22.73% -100.0% 0.0%
Total Assets $560.0K $1.020M $470.0K $360.0K $190.0K
YoY Change
Accounts Payable $330.0K $770.0K $420.0K $220.0K $80.00K
YoY Change -57.14% 83.33% 90.91% 175.0%
Accrued Expenses
YoY Change
Deferred Revenue
YoY Change
Short-Term Debt $0.00 $0.00 $0.00 $0.00 $0.00
YoY Change
Long-Term Debt Due $10.00K $10.00K $0.00 $0.00
YoY Change 0.0%
Total Short-Term Liabilities $350.0K $790.0K $430.0K $220.0K $90.00K
YoY Change -55.7% 83.72% 95.45% 144.44%
Long-Term Debt $30.00K $40.00K $0.00 $0.00 $10.00K
YoY Change -25.0% -100.0%
Other Long-Term Liabilities
YoY Change
Total Long-Term Liabilities $30.00K $40.00K $0.00 $0.00 $10.00K
YoY Change -25.0% -100.0%
Total Liabilities $370.0K $830.0K $430.0K $220.0K $100.0K
YoY Change -55.42% 93.02% 95.45% 120.0%

Ownership

Basic Shares Outstanding

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Diluted Shares Outstanding

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Preferred Stock

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Treasury Stock Shares

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Stock Issuance & Repurchase

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Ownership Data

Concept 2024 2023 2022 2020 2019 2018 2017 2016
Basic Shares Outstanding 16.84M 17.16M 23.90M
Diluted Shares Outstanding 16.84M 17.16M 23.90M
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

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Book Value

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Free Cash Flow

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Free Cash Flow YoY

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Free Cash Flow Margin

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Dividends

Dividends

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Stock Price

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Market Cap: $16.129 Million

About UPAY

Upay, Inc. engages in the provision of technology solutions. The company is headquartered in Dallas, Texas and currently employs 17 full-time employees. The company went IPO on 2020-11-16. The company provides a cloud-based loan origination software system that is compliant with all applicable legislation and enables its customers to grant loans, sell products, pay bills or pay monthly subscriptions on terms, all within its software system. Its software platform features integrated third-party service providers, such as registered payment gateways, credit bureaus, two-way texting, credit protection insurance and decision-making platforms. Its products include Loan Origination System, Theme Studio Business Online, Credit Inquiries, and Credit Protection and Life Insurance, among others. The Loan Origination System provides Automated Credit Provider Administration System, a software system that leases on a monthly basis to customers to manage businesses, clients and processes. Theme Studio Business Online provides customized websites with ACPAS system to customers. The company also specializes in providing anti-money laundering solutions.

Industry: Services-Prepackaged Software Peers: