Upay Inc SEC Filings

UPYY OTC

Welcome to our dedicated page for Upay SEC filings (Ticker: UPYY), a comprehensive resource for investors and traders seeking official regulatory documents including 10-K annual reports, 10-Q quarterly earnings, 8-K material events, and insider trading forms.

This page is dedicated to SEC-related information for UPAY Inc. (OTCQB: UPYY), a fintech holding company active in the Software – Application industry. While no SEC filings are listed in the available data here, UPAY’s public announcements describe a business built around financial software platforms, AML compliance tools, and specialized marketplace services delivered through subsidiaries such as ACPAS, AML GO, and HUNTPAL.

For a company with this profile, formal SEC filings such as annual reports (Form 10-K) and quarterly reports (Form 10-Q) typically provide narrative and quantitative detail on business segments, risk factors, and technology investments. Filings may also discuss how loan management software, AML compliance platforms, and marketplace services contribute to the group’s overall strategy and risk profile.

Regulatory documents like current reports (Form 8-K) can disclose material events, including significant contracts, governance changes, or strategic partnerships. For a holding company with multiple subsidiaries, proxy statements may include information on board composition, governance structures, and executive compensation policies that relate to the oversight of platforms such as ACPAS, AML GO, and HUNTPAL.

When available, insider transaction reports (Form 4) can show how directors and officers trade UPYY shares, providing additional context for governance and alignment of interests. On Stock Titan, SEC filings—once present—are paired with AI-powered summaries designed to explain the structure and key points of long-form documents, helping readers understand complex sections on technology investments, compliance obligations, and subsidiary operations more quickly.

As new UPAY Inc. filings are released through EDGAR, this page will surface them in chronological order, allowing investors and researchers to track regulatory disclosures alongside the company’s news and subsidiary updates.

01/12/2026 03:02 PM

Filing

UPAY, Inc. (UPYY) Q3 shows bigger net loss and going-concern risk

Rhea-AI Summary

UPAY, Inc. reported modestly higher quarterly revenue but a much larger loss for the quarter ended November 30, 2025. Revenue for the three months rose to $184,587 from $150,366 a year earlier, driven mainly by higher transactional activity in South Africa. However, a loss on settlement of debt of $904,400 pushed the quarterly net loss to $1,032,123, compared with a net loss of $159,184 in the prior-year quarter.

For the nine months, revenue was $543,948 versus $575,686 a year earlier, while the net loss widened to $1,291,361 from $501,185. Total assets were $211,845 and total liabilities $698,196, resulting in a stockholders’ deficit of $486,351 as of November 30, 2025. Negative working capital improved but remained a deficit. Management states there is substantial doubt about the company’s ability to continue as a going concern and plans to rely on equity financing, with internal controls over financial reporting also deemed not effective.

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UPAY Q2: Revenue $188,947, YTD Loss $259,238 Signals Liquidity Risk

Rhea-AI Summary

UPAY, Inc. reported operating results for the three and six months ended August 31, 2025. For the quarter the company recorded revenue of $188,947, up from $168,071, and a net loss of $117,252, improved from a loss of $191,324 a year earlier. For the six-month period revenue fell to $359,361 from $425,320, and net loss narrowed to $259,238 from $342,001, driven primarily by lower general and administrative expenses and changes in South African transactional revenue.

The company has working capital of ($409,379) and used $188,768 of cash in operating activities in the six months. Management states it does not have sufficient revenues to execute its business plan and intends to seek equity financing, and that these factors raise substantial doubt about the company’s ability to continue as a going concern.

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FAQ

What is the current stock price of Upay (UPYY)?

The current stock price of Upay (UPYY) is $1.2 as of January 28, 2026.

What is the market cap of Upay (UPYY)?

The market cap of Upay (UPYY) is approximately 23.2M.

UPYY Rankings

N/A Ranked by Market Cap

N/A Ranked by Dividends

UPYY Stock Data

Market Cap 23.23M

Float 3.80M

Industry Software - Application

Sector Technology

Website Link

Country United States

City Dallas