NasdaqCM:FPAY

Stock Analysis Report

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Market Cap

US$59.2m

Last Updated

2021/06/20 22:37 UTC

Data Sources

Company Financials +

Executive Summary

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


Snowflake Analysis

High growth potential with imperfect balance sheet.


Similar Companies

Share Price & News

How has FlexShopper's share price performed over time and what events caused price changes?


Latest Share Price and Events

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.


Market Performance


7 Day Return

-4.5%

FPAY

-4.1%

US Diversified Financial

-1.9%

US Market


1 Year Return

67.9%

FPAY

51.0%

US Diversified Financial

38.2%

US Market

Return vs Industry: FPAY exceeded the US Diversified Financial industry which returned 51% over the past year.

Return vs Market: FPAY exceeded the US Market which returned 38.2% over the past year.


Shareholder returns

FPAYIndustryMarket
7 Day-4.5%-4.1%-1.9%
30 Day-0.4%-4.8%1.0%
90 Day-5.5%7.7%3.8%
1 Year67.9%67.9%51.1%51.0%40.4%38.2%
3 Year-10.1%-10.1%42.8%42.3%57.5%47.8%
5 Year-49.6%-49.6%96.1%95.5%127.2%101.7%

Long-Term Price Volatility Vs. Market

How volatile is FlexShopper's share price compared to the market and industry in the last 5 years?


Simply Wall St News

Valuation

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


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?

137.6%

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 (2%).

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 (26.5% per year) is forecast to grow faster than the US market (9.5% per year).

High Growth Revenue: FPAY's revenue (26.5% per year) is forecast to grow faster 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?

26.4%

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 26.4% 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 (49.7%).


Return on Equity

High ROE: FPAY has a negative Return on Equity (-3.32%), as it is currently unprofitable.


Financial Health

How is FlexShopper's financial position?


Financial Position Analysis

Short Term Liabilities: FPAY's short term assets ($57.6M) exceed its short term liabilities ($8.1M).

Long Term Liabilities: FPAY's short term assets ($57.6M) exceed its long term liabilities ($43.8M).


Debt to Equity History and Analysis

Debt Level: FPAY's debt to equity ratio (365.8%) is considered high.

Reducing Debt: FPAY's debt to equity ratio has increased from 213.2% to 365.8% 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 10.7% each year.


Dividend

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


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.


Current Payout to Shareholders

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


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of FPAY's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

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

5.4yrs

Average management tenure


CEO

Richard House (56 yo)

1.67yrs

Tenure

US$633,761

Compensation

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


CEO Compensation Analysis

Compensation vs Market: Richard's total compensation ($USD633.76K) is about average for companies of similar size in the US market ($USD532.73K).

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 (5.4 years average tenure).


Board Members

Experienced Board: FPAY's board of directors are considered experienced (4 years average tenure).


Ownership

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


Insider Trading Volume

Insider Buying: FPAY 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 company bio, employee growth, exchange listings and data sources


Key Information

  • Name: FlexShopper, Inc.
  • Ticker: FPAY
  • Exchange: NasdaqCM
  • Founded: 2003
  • Industry: Specialized Finance
  • Sector: Diversified Financials
  • Market Cap: US$59.223m
  • Shares outstanding: 21.38m
  • Website: https://www.flexshopper.com

Number of Employees


Location

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

Listings


Biography

FlexShopper, Inc., a financial and 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 pro...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/06/20 22:37
End of Day Share Price2021/06/18 00:00
Earnings2021/03/31
Annual Earnings2020/12/31


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.