FLEXSHOPPER INC (FPAY) Stock Fundamental Analysis

NASDAQ:FPAY • US33939J3032

0.19 USD
+0.01 (+2.7%)
At close: Oct 22, 2025
0.1858 USD
0 (-2.21%)
After Hours: 10/22/2025, 8:00:00 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

Taking everything into account, FPAY scores 4 out of 10 in our fundamental rating. FPAY was compared to 98 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 decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

3

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.
FPAY Yearly Net Income VS EBIT VS OCF VS FCFFPAY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M -40M

1.2 Ratios

  • With a Return On Assets value of -2.24%, FPAY is not doing good in the industry: 81.82% of the companies in the same industry are doing better.
  • Looking at the Return On Equity, with a value of -14.16%, FPAY is doing worse than 83.84% of the companies in the same industry.
  • With an excellent Return On Invested Capital value of 9.70%, FPAY belongs to the best of the industry, outperforming 83.84% of the companies in the same industry.
Industry RankSector 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
FPAY Yearly ROA, ROE, ROICFPAY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100 -150

1.3 Margins

  • FPAY has a Operating Margin of 16.29%. This is in the better half of the industry: FPAY outperforms 60.61% of its industry peers.
  • In the last couple of years the Operating Margin of FPAY has grown nicely.
  • FPAY has a Gross Margin of 54.88%. This is in the better half of the industry: FPAY outperforms 70.71% of its industry peers.
  • FPAY's Gross Margin has improved in the last couple of years.
Industry RankSector 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%
FPAY Yearly Profit, Operating, Gross MarginsFPAY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

4

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.
  • FPAY has a worse debt/assets ratio than last year.
FPAY Yearly Shares OutstandingFPAY Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 5M 10M 15M 20M
FPAY Yearly Total Debt VS Total AssetsFPAY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.2 Solvency

  • FPAY has an Altman-Z score of 1.64. 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 1.64 is fine compared to the rest of the industry. FPAY outperforms 67.68% 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.
  • FPAY's Debt to Equity ratio of 4.56 is on the low side compared to the rest of the industry. FPAY is outperformed by 78.79% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.56
Debt/FCF N/A
Altman-Z 1.64
ROIC/WACC0.83
WACC11.72%
FPAY Yearly LT Debt VS Equity VS FCFFPAY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50M 100M 150M

2.3 Liquidity

  • A Current Ratio of 7.10 indicates that FPAY has no problem at all paying its short term obligations.
  • FPAY has a Current ratio of 7.10. This is amongst the best in the industry. FPAY outperforms 93.94% of its industry peers.
  • A Quick Ratio of 7.10 indicates that FPAY has no problem at all paying its short term obligations.
  • FPAY has a better Quick ratio (7.10) than 93.94% of its industry peers.
Industry RankSector Rank
Current Ratio 7.1
Quick Ratio 7.1
FPAY Yearly Current Assets VS Current LiabilitesFPAY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • FPAY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 58.93%, which is quite impressive.
  • The Revenue has grown by 19.51% in the past year. This is quite good.
  • Measured over the past years, FPAY shows a quite strong growth in Revenue. The Revenue has been growing by 9.50% on average per year.
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

  • FPAY is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 112.79% yearly.
  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y317.3%
EPS Next 2Y112.79%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.74%
Revenue Next 2YN/A
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

  • No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
FPAY Yearly Revenue VS EstimatesFPAY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M
FPAY Yearly EPS VS EstimatesFPAY Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 0 0.2 -0.2 0.4 -0.4

More info and screens

Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • FPAY reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
  • FPAY is valuated cheaply with a Price/Forward Earnings ratio of 0.38.
  • Based on the Price/Forward Earnings ratio, FPAY is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
  • The average S&P500 Price/Forward Earnings ratio is at 28.06. FPAY is valued rather cheaply when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 0.38
FPAY Price Earnings VS Forward Price EarningsFPAY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 5 10 15 20 25

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 92.93% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 4.83
FPAY Per share dataFPAY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4

4.3 Compensation for Growth

  • FPAY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • FPAY's earnings are expected to grow with 112.79% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y112.79%
EPS Next 3YN/A

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • FPAY does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

Find the best dividend stocksShow peers with best dividend

FLEXSHOPPER INC

NASDAQ:FPAY (10/22/2025, 8:00:00 PM)

After market: 0.1858 0 (-2.21%)

0.19

+0.01 (+2.7%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-04
Earnings (Next)11-12
Inst Owners13.14%
Inst Owner Change-87.58%
Ins Owners14.68%
Ins Owner Change0%
Market Cap4.68M
Revenue(TTM)139.80M
Net Income(TTM)-4.69M
Analysts82.86
Price Target0.51 (168.42%)
Short Float %N/A
Short RatioN/A
Dividend
Industry RankSector 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)-80%
PT rev (3m)-84.62%
EPS NQ rev (1m)0%
EPS NQ rev (3m)180%
EPS NY rev (1m)0%
EPS NY rev (3m)63.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-6.37%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.68%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 0.38
P/S 0.03
P/FCF N/A
P/OCF N/A
P/B 0.14
P/tB 0.22
EV/EBITDA 4.83
EPS(TTM)-0.23
EYN/A
EPS(NY)0.5
Fwd EY263.05%
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
Graham NumberN/A
Profitability
Industry RankSector 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
ROICexgc growth 3Y8.25%
ROICexgc 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 RankSector 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 1.64
F-Score3
WACC11.72%
ROIC/WACC0.83
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 Y317.3%
EPS Next 2Y112.79%
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 Year13.74%
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 Year69.73%
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 FAQ

What is the ChartMill fundamental rating of FLEXSHOPPER INC (FPAY) stock?

ChartMill assigns a fundamental rating of 4 / 10 to FPAY.


Can you provide the valuation status for FLEXSHOPPER INC?

ChartMill assigns a valuation rating of 5 / 10 to FLEXSHOPPER INC (FPAY). This can be considered as Fairly Valued.


Can you provide the profitability details for FLEXSHOPPER INC?

FLEXSHOPPER INC (FPAY) has a profitability rating of 3 / 10.


What is the earnings growth outlook for FLEXSHOPPER INC?

The Earnings per Share (EPS) of FLEXSHOPPER INC (FPAY) is expected to grow by 317.3% in the next year.