UPYY UPAY

OTC Services-Prepackaged Software NV CIK: 0001677897
AI RATING
STRONG_SELL
95% Confidence

Investment Thesis

Company is technically insolvent with negative stockholders' equity of -$486.4K and liabilities exceeding assets. Severe 48.7% YoY revenue collapse combined with -$349.3K operating losses, negative free cash flow of -$260.2K, and current ratio of 0.41x indicate critical financial distress and bankruptcy risk.

Strengths

  • + Gross margin of 73.8% demonstrates product cost structure efficiency despite revenue collapse
  • + No material long-term debt limits debt maturity refinancing pressures
  • + SaaS business model retains scalability potential if operations stabilize

Risks

  • ! Negative stockholders equity of -$486.4K indicates technical insolvency and restructuring/bankruptcy risk
  • ! Current ratio of 0.41x reflects severe liquidity crisis with insufficient assets to cover short-term obligations
  • ! Operating cash flow deeply negative at -$259.4K with 48.7% revenue decline signals unsustainable operations
  • ! Zero insider activity in 90 days suggests management has no confidence in recovery
  • ! Company burning cash with 47.8% FCF margin, unsustainable at current burn rate

Key Metrics to Watch

Financial Metrics

Revenue
543.9K
Net Income
-1.3M
EPS (Diluted)
$-0.08
Free Cash Flow
-260.2K
Total Assets
211.8K
Cash
67.4K

Profitability Ratios

Gross Margin 73.8%
Operating Margin -64.2%
Net Margin -237.4%
ROE N/A
ROA -609.6%
FCF Margin -47.8%

Balance Sheet & Liquidity

Current Ratio
0.41x
Quick Ratio
0.41x
Debt/Equity
N/A
Debt/Assets
329.6%
Interest Coverage
-9.05x
Long-term Debt
N/A
Disclaimer: This analysis is generated by AI based on publicly available SEC EDGAR filings. It does not include stock price data and should not be considered financial advice. All fundamental data is sourced from SEC public domain filings. Always conduct your own research before making investment decisions.
Data Source: SEC EDGAR | Analysis Date: 2026-04-18T07:42:20.469378 | Data as of: 2025-11-30 | Powered by Claude AI