FPAY Fundamental Analysis - FLEXSHOPPER INC

Fundamental Rating

FPAY gets a fundamental rating of 3 out of 10. The analysis compared the fundamentals against 100 industry peers in the Financial Services industry. While FPAY seems to be doing ok healthwise, there are quite some concerns on its profitability. FPAY has a valuation in line with the averages, but it does not seem to be growing.

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1. Profitability

1.1 Basic Checks

FPAY had negative earnings in the past year.

In the past year FPAY has reported a negative cash flow from operations.

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

Looking at the Return On Assets, with a value of -2.24%, FPAY is doing worse than 86.00% of the companies in the same industry.

FPAY's Return On Equity of -14.16% is on the low side compared to the rest of the industry. FPAY is outperformed by 86.00% of its industry peers.

The Return On Invested Capital of FPAY (9.70%) is better than 81.00% of its industry peers.

		Industry Rank	Sector Rank
ROA	-2.24%
ROE	-14.16%
ROIC	9.7%

ROA(3y)-0.32%

ROA(5y)-1.03%

ROE(3y)-3.69%

ROE(5y)-7.47%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

The Operating Margin of FPAY (16.29%) is comparable to the rest of the industry.

In the last couple of years the Operating Margin of FPAY has grown nicely.

With a decent Gross Margin value of 54.88%, FPAY is doing good in the industry, outperforming 73.00% of the companies in the same industry.

In the last couple of years the Gross Margin of FPAY has grown nicely.

		Industry Rank	Sector Rank
OM	16.29%
PM (TTM)	N/A
GM	54.88%

OM growth 3Y40.29%

OM growth 5Y23.19%

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y14.2%

GM growth 5Y11.25%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FPAY is destroying value.

Compared to 1 year ago, FPAY has more shares outstanding

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 1.74. This is a bad value and indicates that FPAY is not financially healthy and even has some risk of bankruptcy.

FPAY's Altman-Z score of 1.74 is fine compared to the rest of the industry. FPAY outperforms 71.00% of its industry peers.

A Debt/Equity ratio of 4.56 is on the high side and indicates that FPAY has dependencies on debt financing.

The Debt to Equity ratio of FPAY (4.56) is worse than 77.00% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	4.56
Debt/FCF	N/A
Altman-Z	1.74

ROIC/WACC0.78

WACC12.47%

2.3 Liquidity

A Current Ratio of 7.10 indicates that FPAY has no problem at all paying its short term obligations.

With an excellent Current ratio value of 7.10, FPAY belongs to the best of the industry, outperforming 94.00% of the companies in the same industry.

A Quick Ratio of 7.10 indicates that FPAY has no problem at all paying its short term obligations.

The Quick ratio of FPAY (7.10) is better than 94.00% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	7.1
Quick Ratio	7.1

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 58.93% over the past year.

Looking at the last year, FPAY shows a quite strong growth in Revenue. The Revenue has grown by 19.51% in the last year.

FPAY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 9.50% yearly.

EPS 1Y (TTM)58.93%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%66.67%

Revenue 1Y (TTM)19.51%

Revenue growth 3Y3.69%

Revenue growth 5Y9.5%

Sales Q2Q%17.3%

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 Y249.31%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue Next Year10.77%

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for FPAY. In the last year negative earnings were reported.

With a Price/Forward Earnings ratio of 4.09, the valuation of FPAY can be described as very cheap.

Compared to the rest of the industry, the Price/Forward Earnings ratio of FPAY indicates a rather cheap valuation: FPAY is cheaper than 94.00% of the companies listed in the same industry.

When comparing the Price/Forward Earnings ratio of FPAY to the average of the S&P500 Index (22.15), we can say FPAY is valued rather cheaply.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	4.09

4.2 Price Multiples

91.00% of the companies in the same industry are more expensive than FPAY, based on the Enterprise Value to EBITDA ratio.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	5.75

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2YN/A

EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for FPAY!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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FLEXSHOPPER INC

NASDAQ:FPAY (5/30/2025, 8:00:00 PM)

After market: 1.34 -0.06 (-4.63%)

1.405

+0.09 (+7.25%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)05-12 2025-05-12

Earnings (Next)08-04 2025-08-04

Inst Owners15.68%

Inst Owner Change-2.44%

Ins Owners16.84%

Ins Owner Change2.4%

Market Cap34.58M

Analysts82.5

Price Target3.32 (136.3%)

Short Float %0.29%

Short Ratio0.58

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)1

Avg EPS beat(2)-72.42%

Min EPS beat(2)-276.47%

Max EPS beat(2)131.63%

EPS beat(4)3

Avg EPS beat(4)-14.75%

Min EPS beat(4)-276.47%

Max EPS beat(4)131.63%

EPS beat(8)5

Avg EPS beat(8)-8.73%

EPS beat(12)6

Avg EPS beat(12)-31.39%

EPS beat(16)7

Avg EPS beat(16)-54.89%

Revenue beat(2)1

Avg Revenue beat(2)-2.55%

Min Revenue beat(2)-12.86%

Max Revenue beat(2)7.75%

Revenue beat(4)2

Avg Revenue beat(4)1.1%

Min Revenue beat(4)-12.86%

Max Revenue beat(4)14%

Revenue beat(8)4

Avg Revenue beat(8)0.75%

Revenue beat(12)5

Avg Revenue beat(12)-4.91%

Revenue beat(16)6

Avg Revenue beat(16)-5.38%

PT rev (1m)-18.75%

PT rev (3m)-7.14%

EPS NQ rev (1m)117.86%

EPS NQ rev (3m)117.86%

EPS NY rev (1m)32.9%

EPS NY rev (3m)32.9%

Revenue NQ rev (1m)0%

Revenue NQ rev (3m)15.78%

Revenue NY rev (1m)4.05%

Revenue NY rev (3m)4.05%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	4.09
P/S	0.25
P/FCF	N/A
P/OCF	N/A
P/B	1.04
P/tB	1.66
EV/EBITDA	5.75

EPS(TTM)-0.23

EYN/A

EPS(NY)0.34

Fwd EY24.44%

FCF(TTM)-1.79

FCFYN/A

OCF(TTM)-1.42

OCFYN/A

SpS5.68

BVpS1.35

TBVpS0.85

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-2.24%
ROE	-14.16%
ROCE	12.28%
ROIC	9.7%
ROICexc	10.28%
ROICexgc	11.05%
OM	16.29%
PM (TTM)	N/A
GM	54.88%
FCFM	N/A

ROA(3y)-0.32%

ROA(5y)-1.03%

ROE(3y)-3.69%

ROE(5y)-7.47%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3Y8.25%

ROICexcg growth 5Y0.73%

ROICexc growth 3Y5.66%

ROICexc growth 5Y-0.72%

OM growth 3Y40.29%

OM growth 5Y23.19%

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y14.2%

GM growth 5Y11.25%

F-Score3

Asset Turnover0.67

Health

		Industry Rank	Sector Rank
Debt/Equity	4.56
Debt/FCF	N/A
Debt/EBITDA	4.67
Cap/Depr	95.26%
Cap/Sales	6.55%
Interest Coverage	1.12
Cash Conversion	N/A
Profit Quality	N/A
Current Ratio	7.1
Quick Ratio	7.1
Altman-Z	1.74

F-Score3

WACC12.47%

ROIC/WACC0.78

Cap/Depr(3y)120.62%

Cap/Depr(5y)130.9%

Cap/Sales(3y)6.74%

Cap/Sales(5y)5.44%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)58.93%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%66.67%

EPS Next Y249.31%

EPS Next 2YN/A

EPS Next 3YN/A

EPS Next 5YN/A

Revenue 1Y (TTM)19.51%

Revenue growth 3Y3.69%

Revenue growth 5Y9.5%

Sales Q2Q%17.3%

Revenue Next Year10.77%

Revenue Next 2YN/A

Revenue Next 3YN/A

Revenue Next 5YN/A

EBIT growth 1Y66.4%

EBIT growth 3Y45.47%

EBIT growth 5Y34.89%

EBIT Next Year70.31%

EBIT Next 3YN/A

EBIT Next 5YN/A

FCF growth 1Y-209.98%

FCF growth 3YN/A

FCF growth 5YN/A

OCF growth 1Y-424.36%

OCF growth 3YN/A

OCF growth 5YN/A

FLEXSHOPPER INC (FPAY) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

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2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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