FlexShopper, Inc.

NasdaqCM:FPAY Stock Report

Market Cap: US$30.3m

FlexShopper Valuation

Is FPAY undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Sales vs Peers

  • Price-To-Sales vs Industry

  • Price-To-Sales vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of FPAY when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Discounted Cash Flow
Simply Wall St
US$0.17
Fair Value
743.5% overvalued intrinsic discount
2
Number of Analysts

Below Fair Value: FPAY ($1.41) is trading above our estimate of fair value ($0.17)

Significantly Below Fair Value: FPAY is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for FPAY?

Key metric: As FPAY is unprofitable we use its Price-To-Sales Ratio for relative valuation analysis.

The above table shows the Price to Sales ratio for FPAY. This is calculated by dividing FPAY's market cap by their current revenue.
What is FPAY's PS Ratio?
PS Ratio0.2x
SalesUS$134.56m
Market CapUS$30.26m

Price to Sales Ratio vs Peers

How does FPAY's PS Ratio compare to its peers?

The above table shows the PS ratio for FPAY vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PSEstimated GrowthMarket Cap
Peer Average3x
MCVT Mill City Ventures III
6xn/aUS$19.6m
SHFS SHF Holdings
1.7xn/aUS$24.4m
FTFT Future FinTech Group
0.3xn/aUS$5.5m
CFNB California First Leasing
4.1xn/aUS$216.4m
FPAY FlexShopper
0.2x9.4%US$30.3m

Price-To-Sales vs Peers: FPAY is good value based on its Price-To-Sales Ratio (0.2x) compared to the peer average (3x).

Price to Sales Ratio vs Industry

How does FPAY's PS Ratio compare vs other companies in the US Diversified Financial Industry?

12 CompaniesPrice / SalesEstimated GrowthMarket Cap
Industry Avg.2.7x5.5%
FPAY FlexShopper
 0.2x9.4%US$30.26m
RKT Rocket Companies
0.4x22.2%US$24.73b
UWMC UWM Holdings
0.4x11.5%US$9.83b
FPAY 0.2xIndustry Avg. 2.7xNo. of Companies16PS0246810+
12 CompaniesEstimated GrowthMarket Cap
Industry Avg.2.7x2.2%
FPAY FlexShopper
 0.2x194.2%US$30.26m
No more companies

Price-To-Sales vs Industry: FPAY is good value based on its Price-To-Sales Ratio (0.2x) compared to the US Diversified Financial industry average (2.6x).

Price to Sales Ratio vs Fair Ratio

What is FPAY's PS Ratio compared to its Fair PS Ratio? This is the expected PS Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

FPAY PS Ratio vs Fair Ratio.
Fair Ratio
Current PS Ratio0.2x
Fair PS Ratio1.1x

Price-To-Sales vs Fair Ratio: FPAY is good value based on its Price-To-Sales Ratio (0.2x) compared to the estimated Fair Price-To-Sales Ratio (1.1x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst FPAY forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$1.41
US$3.25
+130.5%
23.1%US$4.00US$2.50n/a2
Jan ’26US$1.71
US$3.25
+90.1%
23.1%US$4.00US$2.50n/a2
Dec ’25US$1.98
US$3.25
+64.1%
23.1%US$4.00US$2.50n/a2
Nov ’25US$1.17
US$2.83
+143.2%
30.0%US$4.00US$2.00n/a3
Oct ’25US$1.12
US$2.83
+153.0%
30.0%US$4.00US$2.00n/a3
Sep ’25US$1.09
US$2.83
+159.9%
30.0%US$4.00US$2.00n/a3
Aug ’25US$1.10
US$2.83
+157.6%
30.0%US$4.00US$2.00n/a3
Jul ’25US$1.27
US$2.83
+123.1%
30.0%US$4.00US$2.00n/a3
Jun ’25US$1.10
US$2.83
+157.6%
30.0%US$4.00US$2.00n/a3
May ’25US$1.03
US$2.83
+175.1%
30.0%US$4.00US$2.00n/a3
Apr ’25US$1.36
US$2.75
+102.2%
38.6%US$4.25US$2.00n/a3
Mar ’25US$1.21
US$2.75
+127.3%
38.6%US$4.25US$2.00n/a3
Feb ’25US$1.34
US$2.75
+105.2%
38.6%US$4.25US$2.00n/a3
Jan ’25US$1.67
US$2.75
+64.7%
38.6%US$4.25US$2.00US$1.713
Dec ’24US$1.47
US$2.83
+92.7%
41.6%US$4.50US$2.00US$1.983
Nov ’24US$1.01
US$2.83
+180.5%
41.6%US$4.50US$2.00US$1.173
Oct ’24US$1.05
US$2.83
+171.1%
41.6%US$4.50US$2.00US$1.123
Sep ’24US$0.98
US$2.83
+189.1%
41.6%US$4.50US$2.00US$1.093
Aug ’24US$2.18
US$3.67
+68.2%
35.8%US$5.50US$2.50US$1.103
Jul ’24US$1.28
US$3.67
+186.5%
35.8%US$5.50US$2.50US$1.273
Jun ’24US$1.18
US$3.67
+210.7%
35.8%US$5.50US$2.50US$1.103
May ’24US$0.79
US$3.67
+363.5%
46.4%US$6.00US$2.00US$1.033
Apr ’24US$0.85
US$3.67
+331.4%
46.4%US$6.00US$2.00US$1.363
Mar ’24US$1.02
US$3.67
+259.5%
46.4%US$6.00US$2.00US$1.213
Feb ’24US$1.17
US$3.67
+213.4%
46.4%US$6.00US$2.00US$1.343
Jan ’24US$0.93
US$3.67
+296.4%
46.4%US$6.00US$2.00US$1.673
Analyst Price Target
Consensus Narrative from 2 Analysts
US$3.25
Fair Value
56.6% undervalued intrinsic discount
2
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price, but there are not enough analysts covering the stock to determine statistical confidence in agreement.

Discover undervalued companies

7D

1Y

7D

1Y

7D

1Y

Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2025/01/30 05:03
End of Day Share Price 2025/01/30 00:00
Earnings2024/09/30
Annual Earnings2023/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on .

Analyst Sources

FlexShopper, Inc. is covered by 2 analysts. 2 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Scott BuckH.C. Wainwright & Co.
Michael DianaMaxim Group