See more : Cogeco Inc. (CGECF) Income Statement Analysis – Financial Results
Complete financial analysis of UPAY, Inc. (UPYY) income statement, including revenue, profit margins, EPS and key performance metrics. Get detailed insights into the financial performance of UPAY, Inc., a leading company in the Software – Application industry within the Technology sector.
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UPAY, Inc. (UPYY)
About 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. It offers a cloud-based loan origination software system that enables customers to grant loans, sell products, pay bills, or pay monthly subscriptions on terms. The company also develops tailor-made web sites for customers; resells credit bureau products; and acts as an agent for a registered insurance company, and third-party payment provider for debit order transactions, as well as offers custom software development and general administration staff services to customers. It serves customers with physical branch outlets, as well as online customers with lending websites. The company was founded in 2008 and is based in Dallas, Texas.
| Metric | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|
| Revenue | 1.39M | 1.36M | 1.46M | 1.11M | 1.37M | 1.10M | 778.26K | 572.87K | 340.81K |
| Cost of Revenue | 659.79K | 574.87K | 505.40K | 299.84K | 359.02K | 317.74K | 143.77K | 64.52K | 54.19K |
| Gross Profit | 734.62K | 785.12K | 953.41K | 810.56K | 1.01M | 781.05K | 634.49K | 508.35K | 286.62K |
| Gross Profit Ratio | 52.68% | 57.73% | 65.36% | 73.00% | 73.83% | 71.08% | 81.53% | 88.74% | 84.10% |
| Research & Development | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| General & Administrative | 1.40M | 819.83K | 1.22M | 929.44K | 961.62K | 819.97K | 719.97K | 552.13K | 271.50K |
| Selling & Marketing | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A | 1.40M | 819.83K | 1.22M | 929.44K | 961.62K | 819.97K | 719.97K | 552.13K | 271.50K |
| Other Expenses | 0.00 | 0.00 | 55.45K | 54.95K | 45.05K | 0.00 | 5.86K | 5.42K | 4.95K |
| Operating Expenses | 1.40M | 874.36K | 1.28M | 984.39K | 1.02M | 819.97K | 725.83K | 557.55K | 276.45K |
| Cost & Expenses | 2.06M | 1.45M | 1.78M | 1.28M | 1.38M | 1.14M | 869.60K | 622.07K | 330.63K |
| Interest Income | 11.82K | 4.19K | 3.10K | 2.35K | 7.29K | 1.74K | 2.59K | 1.89K | 57.00 |
| Interest Expense | 33.43K | 32.87K | 15.58K | 8.05K | 7.07K | 3.58K | 291.00 | 1.90K | 2.14K |
| Depreciation & Amortization | 18.49K | 54.54K | 55.45K | 54.95K | 54.94K | 45.05K | 5.86K | 5.42K | 4.95K |
| EBITDA | -649.89K | -30.23K | -256.53K | -116.54K | 58.27K | 12.69K | -82.89K | -41.90K | 15.18K |
| EBITDA Ratio | -46.61% | -2.24% | -17.58% | -10.53% | 4.25% | 0.56% | -10.65% | -7.31% | 4.45% |
| Operating Income | -663.37K | -85.06K | -311.97K | -171.84K | -32.35K | -38.92K | -88.75K | -47.31K | 10.23K |
| Operating Income Ratio | -47.57% | -6.25% | -21.39% | -15.48% | -2.36% | -3.54% | -11.40% | -8.26% | 3.00% |
| Total Other Income/Expenses | -38.44K | -32.58K | -59.88K | -60.66K | 215.00 | 2.98K | 2.30K | -1.90K | -2.08K |
| Income Before Tax | -701.81K | -117.64K | -327.55K | -179.54K | -3.74K | -35.94K | -89.04K | -49.21K | 8.10K |
| Income Before Tax Ratio | -50.33% | -8.65% | -22.45% | -16.17% | -0.27% | -3.27% | -11.44% | -8.59% | 2.38% |
| Income Tax Expense | 34.38K | 17.85K | 41.30K | 7.69K | 16.96K | 3.93K | 5.01K | 11.68K | 3.57K |
| Net Income | -736.19K | -135.49K | -368.85K | -187.24K | -20.70K | -39.87K | -94.04K | -60.89K | 4.53K |
| Net Income Ratio | -52.80% | -9.96% | -25.28% | -16.86% | -1.51% | -3.63% | -12.08% | -10.63% | 1.33% |
| EPS | -0.04 | -0.01 | -0.02 | -0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| EPS Diluted | -0.04 | -0.01 | -0.02 | -0.01 | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Weighted Avg Shares Out | 16.84M | 17.16M | 23.90M | 23.26M | 24.95M | 25.58M | 23.26M | 23.26M | 23.26M |
| Weighted Avg Shares Out (Dil) | 16.84M | 17.16M | 23.90M | 23.26M | 24.95M | 25.58M | 23.26M | 23.26M | 23.26M |
HUNTPAL Supports the 5th Annual PHASA Foundation Golf Day at Koro Kreek Golf Course
JOHANNESBURG, Nov. 21, 2024 (GLOBE NEWSWIRE) -- UPAY Inc. ("UPAY" or the "Company") (OTCQB: UPYY) is pleased to announce HUNTPAL's participation as a guest and sponsor at the prestigious 5th Annual PHASA Foundation Golf Day, held on October 25, 2024,...
AML GO Launches Its Anti-Money Laundering Online System at the Consumer Credit Conference
JOHANNESBURG, South Africa, Oct. 29, 2024 (GLOBE NEWSWIRE) -- UPAY Inc. ("UPAY" or the "Company") (OTCQB: UPYY), through its South African subsidiary, AML GO (Pty) Ltd, is excited to announce the official launch of the AML GO Anti-Money Laundering (AML)...
UPAY Inc. Launches Huntpal's New US Website to Revolutionize Hunting Experiences for US Hunters
DALLAS, July 02, 2024 (GLOBE NEWSWIRE) -- UPAY Inc. ("UPAY" or the "Company") (OTCQB: UPYY), a leader in the fintech sector, is excited to announce the launch of Huntpal's new website, www.huntpal.net.
UPAY Inc. Strengthens Portfolio with AML GO (Pty) Ltd Acquisition
DALLAS, June 20, 2024 (GLOBE NEWSWIRE) -- UPAY Inc. ("UPAY" or the "Company") (OTCQB: UPYY), a leading fintech corporation, has acquired a controlling stake in AML GO (Pty) Ltd ("AML GO"), a prominent Anti-Money Laundering company based in South Africa....
UPAY Inc. Acquires Full Ownership of Huntpal LLC, Expanding Its Portfolio and Market Reach
DALLAS, June 05, 2024 (GLOBE NEWSWIRE) -- UPAY Inc. ("UPAY" or the "Company") (OTCQB: UPYY), a leading corporation in the fintech sector, is pleased to announce that it has successfully negotiated with the shareholders of Huntpal LLC (“Huntpal”) to acquire...
UPAY Inc. Announces Launch of Huntpal LLC's New US Website
DALLAS, Texas, May 16, 2024 (GLOBE NEWSWIRE) -- UPAY Inc. ("UPAY" or the "Company") (OTCQB: UPYY), a leading corporation in the fintech sector, is delighted to unveil the launch of Huntpal LLC's new website at www.huntpal.net catering specifically to the...
UPAY Inc. Announces the Election of Jaco Fölscher, CEO of ACPAS, to the Board of Microfinance South Africa (MFSA)
DALLAS, Oct. 26, 2023 (GLOBE NEWSWIRE) -- UPAY Inc. (“UPAY” or the “Corporation” or the “Company”) (OTCQB: UPYY), a leading corporation in the fintech sector, is pleased to announce the election of Mr. Jaco Fölscher, CEO of Rent Pay (Pty) Ltd “ACPAS”,...
UPAY Inc. and Huntpal LLC. agree to a Memorandum of Understanding and Joint Venture Agreement
DALLAS, Oct. 03, 2023 (GLOBE NEWSWIRE) -- UPAY Inc. (“UPAY” or the “Corporation” or the “Company”) (OTCQB: UPYY).
UPAY Inc. Announces Successful Share Buyback from Former Director and CEO, Wouter A Fouche
DALLAS, Sept. 19, 2023 (GLOBE NEWSWIRE) -- UPAY Inc. (“UPAY” or the “Corporation” or the “Company”) (OTCQB: UPYY)
Source: https://incomestatements.info
Category: Stock Reports