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MARKETS / BALCAO / UPYY
BALCAO · SERVICES-PREPACKAGED SOFTWARE · SMALL CAP

Upay UPYY

11 fiscal years on record · USD · FY2025 reported · SEC filings only
$746,311
▲ 4.3% YoY
$-1.4M
$-290,032
In brief

What this company does

On November 4, 2015, we conducted the Share Exchange with Rent Pay, which became our wholly owned subsidiary The Company currently conducts its principal lending software and credit management operations in South Africa through its ACPAS loan management software platform. One of our South African subsidiaries, Rent Pay (Pty) Ltd, offers a fully web-based client and loan administration platform, marketed under the trade name ACPAS . Our AML GO subsidiary, AML GO (Pty) Ltd, provides advanced anti–money laundering (AML) screening, compliance, and risk-management tools to South African financial institutions, fintech companies, and all accountable institutions. HUNTPAL (Pty) Ltd is the operational arm of HUNTPAL in South Africa, executing hunting trips for US groups in South Africa. HUNTPAL LLC, headquartered in the United States, operates an online “Hunt Now–Pay Later” marketplace that connects licensed hunting outfitters with US hunters.

Written from the business description in UPAY, Inc.'s annual report to the U.S. Securities and Exchange Commission, filed 2 June 2026. Every sentence was checked against that document before publication.

Growth
USD 746,311.00
Revenue, FY2025 · full 11-year series below
Revenue $M Net income $M
FY2025 · Revenue 0.7 · Net income -1.4
0.5M1.0M-0.5M-1.0M201520172019202120232025
Compound annual growth
−18.1%
−7.6%
+8.2%
3 yrs
5 yrs
10 yrs
15 yrs

Revenue compounded at −7.6% a year over five years.

Compound annual rates per period — left blank where that exact year isn't on file, the series crosses a loss, or (per-share rows) a split falls inside the window.

Profitability
−188 cents
lost on every revenue dollar
Operating margin Net margin
FY2025 · Operating -60.8% · Net -188.5%
-50%-100%-150%201520172019202120232025
ROE
FY2020 · ROE -141.3%
-50%-100%201520172019202120232025
Gross margin73.4%
Operating margin-60.8%
Net margin-188.5%
Return on assets-609.5%
EBITDAUSD -446,600.00

Cash & shareholders
—
returned in FY2025 · dividends + net buybacks
Free cash flow $
FY2025 · FCF -290032.0
400000-400000201520172019202120232025
Net buybacks $ Dividends $
FY2024 · Dividends — · Net buybacks -100000.0
50000100000-80000-1600002021202220232024
Dividends paid—
Net buybacks—
Share of profit—
Consecutive raises—

Total assetsUSD 227,409.00
EquityUSD -513,858.00
CashUSD 96,279.00
Current ratio0.37×

Equity funds -226% of total assets.

The 11-year record
11 fiscal years
Every figure from documents filed with the SEC · USD
row low → row highnegative
Metric 20252024202320222021202020192018201720162015
Revenue $B0.00.00.00.00.00.00.00.00.00.00.0
Operating income $B−0.0−0.0−0.0−0.0−0.0−0.0−0.0−0.0−0.0−0.00.0
EBITDA $B−0.0−0.0−0.0−0.0−0.0−0.00.00.0−0.0−0.00.0
Income tax $B0.00.00.00.00.0·0.00.00.00.00.0
Net income $B−0.0−0.0−0.0−0.0−0.0−0.0−0.0−0.0−0.0−0.00.0
Free cash flow $B−0.0−0.0−0.0−0.00.0−0.0−0.00.00.00.00.0
EPS, diluted $−0.08−0.03−0.04−0.01−0.02−0.010.000.000.000.000.00
Dividend / sh $···········
Payout %···········
ROE %·····−141.3−1.9−32.9−100.6−50.64.6
Shares out B0.020.020.020.020.020.020.020.030.020.020.02

Slide the table for earlier years · "·" marks a figure not available in our data for that year.

Provenance
Company facts, as filed
How we verify · 0 failures in 50 reconciliationsAUDITED

Reconciled in 11 of 19 fiscal years. 45 checks could not be computed.

EPS recomputationBalance-sheet identityGross profitBalance-sheet liquiditymoeda_consistente0 failures
ActivityServices-Prepackaged Software
Listed onOTC market
Incorporated inNevada
Fiscal year endsFebruary 28
SEC categoryemerging growth company, smaller reporting company
Data on record since2015

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