Upay (UPYY) — SEC Filings
Upay (UPYY) — 14 SEC filings. Latest: 10-Q (Oct 10, 2025). Includes 5 10-Q, 4 8-K, 2 10-K.
Overview
Upay (UPYY) is a publicly traded company tracked on ReadTheFiling. The most recent enriched filing is a 10-Q filed on Oct 10, 2025: UPAY, Inc. reported a net loss of $117,252 for the three months ended August 31, 2025, an improvement from the $191,324 net loss in the same period last year. Revenue increased to $188,947 for the quarter, up from $168,071 year-over-year, while gross profit rose to $143,746 from $118,693. However, f
Sentiment Summary
Across 14 filings, the sentiment breakdown is: 1 bullish, 3 bearish, 10 neutral. The dominant filing sentiment for Upay is neutral.
Filing Type Overview
Upay (UPYY) has filed 5 10-Q, 1 10-Q/A, 2 10-K, 1 10-K/A, 4 8-K, 1 SC 13G with the SEC between Jan 2024 to Oct 2025.
Filings by Year
Recent SEC Filings (14)
| Date | Form | Description | Risk |
|---|---|---|---|
| Oct 10, 2025 | 10-Q | UPAY Narrows Quarterly Loss Amidst Revenue Growth, Faces Going Concern Doubt | high |
| Jul 24, 2025 | 10-Q/A | UPAY Files Amended 10-Q, Confirms 16.6M Shares Outstanding | medium |
| Jul 22, 2025 | 10-Q | UPAY Narrows Q1 Loss to $1,000 Amidst Continued Related-Party Reliance | high |
| Jun 2, 2025 | 10-K | UPAY's Losses Double Amid Stagnant Revenue, Mounting Related-Party Debt | high |
| Jan 13, 2025 | 10-K/A | UPAY Amends 2024 10-K, Details Assets & Debt | low |
| Oct 17, 2024 | 10-Q | UPAY Files 10-Q for Period Ending August 31, 2024 | medium |
| Jul 15, 2024 | 10-Q | UPAY Files Q1 2025 10-Q | medium |
| Jul 2, 2024 | 8-K | UPAY Files 8-K Report | low |
| Jun 20, 2024 | 8-K | UPAY Files 8-K Report | low |
| Jun 11, 2024 | 10-K | UPAY Files 2024 10-K | medium |
| Jun 5, 2024 | 8-K | UPAY, INC. Files 8-K Report | low |
| May 15, 2024 | 8-K | UPAY, INC. Files 8-K Report | medium |
| Jan 22, 2024 | 10-Q | UPAY Files 10-Q for Period Ending November 30, 2023 | medium |
| Jan 17, 2024 | SC 13G | Emerging Markets Consulting Takes 14% Stake in UPAY |
Risk Profile
Risk Assessment: Of UPYY's 13 recent filings, 3 were flagged as high-risk, 6 as medium-risk, and 4 as low-risk. The overall risk profile suggests moderate risk with a balanced mix of positive and cautionary disclosures.
Financial Highlights
| Metric | Value |
|---|---|
| Revenue | $188,947 |
| Net Income | -$117,252 |
| EPS | -$0.01 |
| Debt-to-Equity | N/A |
| Cash Position | $35,518 |
| Operating Margin | N/A |
| Total Assets | $173,165 |
| Total Debt | $834,010 |
Key Executives
- CEO
- Directors
- Director
- Director1
- Director2
- Director3
- Director4
- srt:ChiefExecutiveOfficerMember
- upyy:Director2Member
Industry Context
UPAY operates in a sector that likely involves payment processing or financial technology. This industry is characterized by rapid technological advancements, intense competition, and evolving regulatory landscapes. Companies in this space often require significant investment in technology and compliance to maintain market share and attract customers.
Top Tags
SEC Filing (4) · Net Loss (3) · 10-Q (3) · 8-k (3) · Going Concern (2) · Related Party Transactions (2) · Liquidity Risk (2) · Prepackaged Software (2) · financials (2) · software (2)
Key Numbers
| Metric | Value | Context |
|---|---|---|
| Net Loss (Q3 2025) | $117,252 | Improved from $191,324 in Q3 2024 |
| Revenue (Q3 2025) | $188,947 | Increased from $168,071 in Q3 2024 |
| Revenue (6 months ended Aug 31, 2025) | $359,361 | Decreased from $425,320 in the prior year period |
| Net Loss (6 months ended Aug 31, 2025) | $259,238 | Improved from $342,001 in the prior year period |
| Total Assets (Aug 31, 2025) | $173,165 | Decreased from $234,149 on Feb 28, 2025 |
| Total Liabilities (Aug 31, 2025) | $834,010 | Increased from $703,005 on Feb 28, 2025 |
| Cash and Cash Equivalents (Aug 31, 2025) | $35,518 | Decreased from $55,362 on Feb 28, 2025 |
| Notes Payable – Related parties (Current Liabilities) | $251,000 | Significant portion of current liabilities, indicating reliance on related-party financing |
| Interest Rate | 10% | Applied to most related-party promissory notes |
| Salary Expenses to CEO (6 months ended Aug 31, 2025) | $55,120 | Paid to the CEO, a related party |
| Shares Outstanding | 16,595,211 | As of July 14, 2025, crucial for market capitalization calculations. |
| Quarterly Period End Date | May 31, 2025 | The period covered by the amended 10-Q filing. |
| Filing Date | July 24, 2025 | Date the 10-Q/A was officially filed with the SEC. |
| Amendment Number | 1 | Indicates this is the first amendment to the original 10-Q. |
| Securities Exchange Act Year | 1934 | The act under which the quarterly report is filed (Section 13 or 15(d)). |
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Frequently Asked Questions
What are the latest SEC filings for Upay (UPYY)?
Upay has 14 recent SEC filings from Jan 2024 to Oct 2025, including 5 10-Q, 4 8-K, 2 10-K. Each filing includes an AI-generated plain-English summary.
What is the overall sentiment of UPYY filings?
Across 14 filings, the sentiment breakdown is: 1 bullish, 3 bearish, 10 neutral. The dominant sentiment is neutral.
Where can I find Upay SEC filings explained simply?
ReadTheFiling provides AI-powered plain-English summaries of all Upay (UPYY) SEC filings, including 10-K annual reports, 10-Q quarterly reports, 8-K current reports, and insider trades.
What are the key financial highlights for Upay?
Key financial highlights from Upay's most recent 10-Q include metrics such as revenue, net income, EPS, and debt ratios. Visit the filing detail page for the full breakdown.
What is the investment thesis for UPYY?
The investment thesis for UPYY includes bull, base, and bear case scenarios derived from AI analysis of recent SEC filings.
Who are the key executives at Upay?
Key executives identified across Upay's filings include CEO, Directors, Director, Director1, Director2 and 4 others.
What are the main risk factors for Upay stock?
Of UPYY's 13 assessed filings, 3 were flagged high-risk, 6 medium-risk, and 4 low-risk.
What are recent predictions and forward guidance from Upay?
Forward guidance and predictions for Upay are extracted from SEC filings as they are enriched.