Upay (UPYY) Interest Coverage Ratio (2020 - 2025)
Upay recorded quarterly Interest Coverage Ratio of 8.51 in Q4 2025, down 10.15% quarter-over-quarter from 7.73 in Q3 2025, and up 51.2% year-over-year from 5.63 in Q4 2024.
Upay's Interest Coverage Ratio history runs 6 years deep, the most recent figure standing at 8.51 for Q4 2025.
- In Q4 2025, Interest Coverage Ratio rose 51.2% year-over-year to 8.51; the TTM figure through Nov 2025 stood at 7.9 (up 60.34% YoY), while the FY2025 annual figure was 14.69, up 27.98% from the prior year.
- Interest Coverage Ratio came in at 8.51 for Q4 2025 at Upay, down from 7.73 in the prior quarter.
- In the past five years, Interest Coverage Ratio ranged from a high of 34.87 in Q1 2021 to a low of 77.65 in Q2 2021.
- A 5-year average of 11.21 and a median of 7.89 in 2022 frame the typical range for Interest Coverage Ratio.
- Across the five-year window, Interest Coverage Ratio surged 113.06% in 2021 and sank 5447.3% in 2022, its largest moves.
- Upay's Interest Coverage Ratio stood at 1.0 in 2021, then rose by 2.94% to 1.03 in 2022, then sank by 3579.75% to 35.72 in 2023, then surged by 51.18% to 17.44 in 2024, then surged by 51.2% to 8.51 in 2025.
- According to Business Quant data, Interest Coverage Ratio over the past three periods registered 8.51, 7.73, and 11.22 for Q4 2025, Q3 2025, and Q2 2025 respectively.
Peer Comparison
| # | Company | Market Cap | Enterprise Value | Gross Profit (Qtr) | Interest Cover (Qtr) |
|---|---|---|---|---|---|
| 1 | Sap Se | 253.17 Bn | 235.20 Bn | 8.16 Bn | -9.39 |
| 2 | Salesforce | 171.07 Bn | 161.50 Bn | 8.69 Bn | - |
| 3 | Uber Technologies | 151.10 Bn | 150.06 Bn | 11.88 Bn | 17.81 |
| 4 | Shopify | 134.25 Bn | 128.50 Bn | 1.55 Bn | - |
| 5 | ServiceNow | 105.72 Bn | 100.54 Bn | 2.83 Bn | - |
| 6 | Cadence Design Systems | 101.64 Bn | 100.23 Bn | 1.26 Bn | 13.64 |
| 7 | Adobe | 100.35 Bn | 93.46 Bn | 5.73 Bn | 38.38 |
| 8 | Automatic Data Processing | 90.91 Bn | 87.68 Bn | 2.87 Bn | -17.35 |
| 9 | Intuit | 88.30 Bn | 81.52 Bn | 6.77 Bn | 57.43 |
| 10 | Upay | - | - | 130,043.00 | -8.51 |
Historic Data
Download Data| Date | Value |
|---|---|
| Nov 30, 2025 | -8.51 |
| Aug 31, 2025 | -7.73 |
| May 31, 2025 | -11.22 |
| Feb 28, 2025 | -3.17 |
| Nov 30, 2024 | -17.44 |
| Aug 31, 2024 | -22.93 |
| May 31, 2024 | -16.87 |
| Feb 29, 2024 | -22.65 |
| Nov 30, 2023 | -35.72 |
| Aug 31, 2023 | -20.05 |
| May 31, 2023 | -3.13 |
| Feb 28, 2023 | -4.71 |
| Nov 30, 2022 | 1.03 |
| Aug 31, 2022 | -8.05 |
| May 31, 2022 | 1.10 |
| Feb 28, 2022 | -2.14 |
| Nov 30, 2021 | 1.00 |
| Aug 31, 2021 | -0.15 |
| May 31, 2021 | -77.65 |
| Feb 28, 2021 | 34.87 |
| Nov 30, 2020 | -7.64 |
| Aug 31, 2020 | -31.26 |
| May 31, 2020 | -44.51 |