FLEXSHOPPER INC (FPAY)
US33939J3032 - Common Stock
Taking everything into account, FPAY scores 3 out of 10 in our fundamental rating. FPAY was compared to 102 industry peers in the Financial Services industry. FPAY scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. FPAY does not seem to be growing, but still is valued expensively.
1. Profitability
1.1 Basic Checks
In the past year FPAY has reported negative net income.
FPAY had a negative operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: FPAY reported negative net income in multiple years.
FPAY had a negative operating cash flow in each of the past 5 years.
1.2 Ratios
FPAY's Return On Assets of -5.33% is on the low side compared to the rest of the industry. FPAY is outperformed by 79.41% of its industry peers.
FPAY has a Return On Equity of -28.51%. This is amonst the worse of the industry: FPAY underperforms 82.35% of its industry peers.
The Return On Invested Capital of FPAY (7.49%) is better than 77.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.33% | ||
| ROE | -28.51% | ||
| ROIC | 7.49% |
ROA(3y)0.74%
ROA(5y)-1.31%
ROE(3y)2.69%
ROE(5y)-8.44%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
FPAY's Operating Margin of 11.70% is in line compared to the rest of the industry. FPAY outperforms 48.04% of its industry peers.
In the last couple of years the Operating Margin of FPAY has grown nicely.
FPAY has a better Gross Margin (46.75%) than 66.67% of its industry peers.
FPAY's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 11.7% | ||
| PM (TTM) | N/A | ||
| GM | 46.75% |
OM growth 3Y37.47%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y10.47%
GM growth 5Y8.18%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FPAY is destroying value.
FPAY has less shares outstanding than it did 1 year ago.
The number of shares outstanding for FPAY has been increased compared to 5 years ago.
Compared to 1 year ago, FPAY has a worse debt to assets ratio.
2.2 Solvency
FPAY has an Altman-Z score of 1.63. This is a bad value and indicates that FPAY is not financially healthy and even has some risk of bankruptcy.
With a decent Altman-Z score value of 1.63, FPAY is doing good in the industry, outperforming 69.61% of the companies in the same industry.
FPAY has a Debt/Equity ratio of 3.89. This is a high value indicating a heavy dependency on external financing.
FPAY has a Debt to Equity ratio of 3.89. This is in the lower half of the industry: FPAY underperforms 79.41% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.89 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.63 |
ROIC/WACC0.55
WACC13.59%
2.3 Liquidity
A Current Ratio of 9.68 indicates that FPAY has no problem at all paying its short term obligations.
FPAY's Current ratio of 9.68 is amongst the best of the industry. FPAY outperforms 98.04% of its industry peers.
A Quick Ratio of 9.68 indicates that FPAY has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 9.68, FPAY belongs to the top of the industry, outperforming 98.04% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 9.68 | ||
| Quick Ratio | 9.68 |
3. Growth
3.1 Past
The earnings per share for FPAY have decreased strongly by -75.00% in the last year.
FPAY shows a small growth in Revenue. In the last year, the Revenue has grown by 3.46%.
Measured over the past years, FPAY shows a quite strong growth in Revenue. The Revenue has been growing by 13.72% on average per year.
EPS 1Y (TTM)-75%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q27.03%
Revenue 1Y (TTM)3.46%
Revenue growth 3Y4.64%
Revenue growth 5Y13.72%
Revenue growth Q2Q41.39%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y47.18%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year19.61%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for FPAY. In the last year negative earnings were reported.
Also next year FPAY is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FPAY indicates a rather cheap valuation: FPAY is cheaper than 87.25% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 6.12 |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for FPAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FLEXSHOPPER INC
NASDAQ:FPAY (5/3/2024, 7:00:00 PM)
1.04
+0.01 (+0.97%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap22.62M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -5.33% | ||
| ROE | -28.51% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 11.7% | ||
| PM (TTM) | N/A | ||
| GM | 46.75% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.75
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 3.89 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 9.68 | ||
| Quick Ratio | 9.68 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)-75%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y47.18%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)3.46%
Revenue growth 3Y4.64%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y