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
High growth potential with imperfect balance sheet.
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.
7 Day Return
US Diversified Financial
1 Year Return
US Diversified Financial
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.
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
1 month ago | Simply Wall StInsider Buying: The FlexShopper, Inc. (NASDAQ:FPAY) Chairman of the Board Just Bought 3.2% More Shares
1 month ago | Simply Wall StFlexShopper, Inc. (NASDAQ:FPAY) Could Be Less Than A Year Away From Profitability
2 months ago | Simply Wall StThe FlexShopper (NASDAQ:FPAY) Share Price Has Gained 139%, So Why Not Pay It Some Attention?
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.
How is FlexShopper forecast to perform in the next 1 to 3 years based on estimates from 3 analysts?
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
How has FlexShopper performed over the past 5 years?
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.
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.
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.
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.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Richard House (56 yo)
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.
Experienced Management: FPAY's management team is seasoned and experienced (5.4 years average tenure).
Experienced Board: FPAY's board of directors are considered experienced (4 years average tenure).
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
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
FlexShopper, Inc.'s company bio, employee growth, exchange listings and data sources
- 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
- FlexShopper, Inc.
- 901 Yamato Road
- Suite 260
- Boca Raton
- United States
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
|Data||Last Updated (UTC time)|
|Company Analysis||2021/06/20 22:37|
|End of Day Share Price||2021/06/18 00:00|
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.