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FPAY

FlexShopper NasdaqCM:FPAY Stock Report

Last Price

US$0.87

Market Cap

US$18.8m

7D

-13.8%

1Y

-66.9%

Updated

15 May, 2022

Data

Company Financials +
FPAY fundamental analysis
Snowflake Score
Valuation0/6
Future Growth4/6
Past Performance0/6
Financial Health2/6
Dividends0/6

FPAY Stock Overview

FlexShopper, Inc., a financial technology company, operates an e-commerce marketplace to shop electronics, home furnishings, and other durable goods on a lease-to-own (LTO) basis.

FlexShopper Competitors

Price History & Performance

Summary of all time highs, changes and price drops for FlexShopper
Historical stock prices
Current Share PriceUS$0.87
52 Week HighUS$3.82
52 Week LowUS$0.83
Beta1.45
1 Month Change-37.84%
3 Month Change-48.20%
1 Year Change-66.91%
3 Year Change-2.93%
5 Year Change-77.97%
Change since IPO-92.43%

Recent News & Updates

Shareholder Returns

FPAYUS Diversified FinancialUS Market
7D-13.8%-2.9%-2.5%
1Y-66.9%4.8%-10.4%

Return vs Industry: FPAY underperformed the US Diversified Financial industry which returned 4.8% over the past year.

Return vs Market: FPAY underperformed the US Market which returned -10.4% over the past year.

Price Volatility

Is FPAY's price volatile compared to industry and market?
FPAY volatility
FPAY Average Weekly Movement9.5%
Diversified Financial Industry Average Movement7.1%
Market Average Movement7.8%
10% most volatile stocks in US Market16.7%
10% least volatile stocks in US Market2.8%

Stable Share Price: FPAY is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 9% a week.

Volatility Over Time: FPAY's weekly volatility (9%) has been stable over the past year.

About the Company

FoundedEmployeesCEOWebsite
2003137Richard Househttps://www.flexshopper.com

FlexShopper, Inc., a financial technology company, operates an e-commerce marketplace to shop electronics, home furnishings, and other durable goods on a lease-to-own (LTO) basis. It offers durable products, including consumer electronics; home appliances; computers, including tablets and wearables; smartphones; tires; and jewelry and furniture, such as accessories. The company was formerly known as Anchor Funding Services, Inc. and changed its name to FlexShopper, Inc. in October 2013.

FlexShopper Fundamentals Summary

How do FlexShopper's earnings and revenue compare to its market cap?
FPAY fundamental statistics
Market CapUS$18.80m
Earnings (TTM)-US$1.56m
Revenue (TTM)US$121.60m

0.2x

P/S Ratio

-12.1x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
FPAY income statement (TTM)
RevenueUS$121.60m
Cost of RevenueUS$87.42m
Gross ProfitUS$34.18m
Other ExpensesUS$35.74m
Earnings-US$1.56m

Last Reported Earnings

Mar 31, 2022

Next Earnings Date

n/a

Earnings per share (EPS)-0.072
Gross Margin28.11%
Net Profit Margin-1.28%
Debt/Equity Ratio448.3%

How did FPAY perform over the long term?

See historical performance and comparison

Valuation

Is FlexShopper undervalued compared to its fair value and its price relative to the market?

Valuation Score

0/6

Valuation Score 0/6

  • Below Fair Value

  • Significantly Below Fair Value

  • PE vs Industry

  • PE vs Market

  • PEG Ratio

  • PB vs Industry

In this section, we usually try to help investors determine whether FlexShopper is trading at an attractive price based on the cash flow it is expected to produce in the future. But as FlexShopper has not provided consistent financial data, and the stock also has no analyst forecast or coverage, its intrinsic value cannot be reliably calculated by extrapolating past data or using analyst consensus cash flow predictions.

This is quite a rare situation as 89% of companies covered by Simply Wall St do have a valuation analysis.


Future Growth

How is FlexShopper forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?

Future Growth Score

4/6

Future Growth Score 4/6

  • Earnings vs Savings Rate

  • Earnings vs Market

  • High Growth Earnings

  • Revenue vs Market

  • High Growth Revenue

  • Future ROE


133.1%

Forecasted annual earnings growth

Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: FPAY is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (1.9%).

Earnings vs Market: FPAY is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: FPAY's is expected to become profitable in the next 3 years.

Revenue vs Market: FPAY's revenue (15.2% per year) is forecast to grow faster than the US market (8% per year).

High Growth Revenue: FPAY's revenue (15.2% per year) is forecast to grow slower than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if FPAY's Return on Equity is forecast to be high in 3 years time


Past Performance

How has FlexShopper performed over the past 5 years?

Past Performance Score

0/6

Past Performance Score 0/6

  • Quality Earnings

  • Growing Profit Margin

  • Earnings Trend

  • Accelerating Growth

  • Earnings vs Industry

  • High ROE


43.1%

Historical annual earnings growth

Earnings and Revenue History

Quality Earnings: FPAY is currently unprofitable.

Growing Profit Margin: FPAY is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: FPAY is unprofitable, but has reduced losses over the past 5 years at a rate of 43.1% per year.

Accelerating Growth: Unable to compare FPAY's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: FPAY is unprofitable, making it difficult to compare its past year earnings growth to the Diversified Financial industry (-0.9%).


Return on Equity

High ROE: FPAY has a negative Return on Equity (6.27%), as it is currently unprofitable.


Financial Health

How is FlexShopper's financial position?

Financial Health Score

2/6

Financial Health Score 2/6

  • Short Term Liabilities

  • Long Term Liabilities

  • Debt Level

  • Reducing Debt

  • Stable Cash Runway

  • Forecast Cash Runway

Financial Position Analysis

Short Term Liabilities: FPAY's short term assets ($78.5M) exceed its short term liabilities ($7.5M).

Long Term Liabilities: FPAY's short term assets ($78.5M) exceed its long term liabilities ($65.4M).


Debt to Equity History and Analysis

Debt Level: FPAY's net debt to equity ratio (417.8%) is considered high.

Reducing Debt: FPAY's debt to equity ratio has increased from 76.2% to 448.3% over the past 5 years.


Balance Sheet


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: FPAY has less than a year of cash runway based on its current free cash flow.

Forecast Cash Runway: FPAY has less than a year of cash runway if free cash flow continues to grow at historical rates of 6% each year.


Dividend

What is FlexShopper current dividend yield, its reliability and sustainability?

Dividend Score

0/6

Dividend Score 0/6

  • Notable Dividend

  • High Dividend

  • Stable Dividend

  • Growing Dividend

  • Earnings Coverage

  • Future Dividend Coverage

Dividend Yield vs Market

Notable Dividend: Unable to evaluate FPAY's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate FPAY's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if FPAY's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if FPAY's dividend payments have been increasing.


Earnings Payout to Shareholders

Earnings Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Cash Payout to Shareholders

Cash Flow Coverage: Unable to calculate sustainability of dividends as FPAY has not reported any payouts.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

6.3yrs

Average management tenure


CEO

Richard House (57 yo)

2.58yrs

Tenure

US$854,653

Compensation

Mr. Richard R. House, Jr. has been Chief Executive Officer of Flex Shopper, Inc. since October 7, 2019. Mr. House served as the President of Atlanticus Holdings Corporation (Formerly, CompuCredit Corp.) fr...


CEO Compensation Analysis

Compensation vs Market: Richard's total compensation ($USD854.65K) is about average for companies of similar size in the US market ($USD770.21K).

Compensation vs Earnings: Richard's compensation has increased whilst the company is unprofitable.


Leadership Team

Experienced Management: FPAY's management team is seasoned and experienced (6.3 years average tenure).


Board Members

Experienced Board: FPAY's board of directors are considered experienced (3.5 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.


Top Shareholders

Company Information

FlexShopper, Inc.'s employee growth, exchange listings and data sources


Key Information

  • Name: FlexShopper, Inc.
  • Ticker: FPAY
  • Exchange: NasdaqCM
  • Founded: 2003
  • Industry: Specialized Finance
  • Sector: Diversified Financials
  • Implied Market Cap: US$18.801m
  • Shares outstanding: 21.61m
  • Website: https://www.flexshopper.com

Number of Employees


Location

  • FlexShopper, Inc.
  • 901 Yamato Road
  • Suite 260
  • Boca Raton
  • Florida
  • 33431
  • United States

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2022/05/15 00:00
End of Day Share Price2022/05/13 00:00
Earnings2022/03/31
Annual Earnings2021/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.