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FLEXSHOPPER INC (FPAY) Stock Fundamental Analysis

NASDAQ:FPAY - Nasdaq - US33939J3032 - Common Stock - Currency: USD

1.31  0 (0%)

After market: 1.36 +0.05 (+3.82%)

Fundamental Rating

4

Overall FPAY gets a fundamental rating of 4 out of 10. We evaluated FPAY 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 correct valuation and a medium growth rate.


Dividend Valuation Growth Profitability Health

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3

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.
In multiple years FPAY reported negative net income over the last 5 years.
In the past 5 years FPAY always reported negative operating cash flow.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M -40M

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.
With a Return On Equity value of -14.16%, FPAY is not doing good in the industry: 86.00% of the companies in the same industry are doing better.
FPAY has a better Return On Invested Capital (9.70%) than 81.00% of its industry peers.
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 2015 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 comparable to the rest of the industry: FPAY outperforms 59.00% of its industry peers.
FPAY's Operating Margin has improved in the last couple of years.
FPAY has a better Gross Margin (54.88%) than 71.00% of its industry peers.
In the last couple of years the Gross Margin of FPAY has grown nicely.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40

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4

2. Health

2.1 Basic Checks

FPAY has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
FPAY has more shares outstanding than it did 1 year ago.
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 2015 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

2.2 Solvency

Based on the Altman-Z score of 1.74, we must say that FPAY is in the distress zone and has some risk of bankruptcy.
FPAY's Altman-Z score of 1.74 is fine compared to the rest of the industry. FPAY outperforms 70.00% of its industry peers.
FPAY has a Debt/Equity ratio of 4.56. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 4.56, FPAY is not doing good in the industry: 77.00% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 4.56
Debt/FCF N/A
Altman-Z 1.74
ROIC/WACC0.78
WACC12.42%
FPAY Yearly LT Debt VS Equity VS FCFFPAY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 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.
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.
FPAY has a better Quick ratio (7.10) than 94.00% 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 50M 100M 150M

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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 Y233.04%
EPS Next 2Y112.79%
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 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 2014 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

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5

4. Valuation

4.1 Price/Earnings Ratio

FPAY reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
A Price/Forward Earnings ratio of 4.28 indicates a rather cheap valuation of FPAY.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FPAY indicates a rather cheap valuation: FPAY is cheaper than 92.00% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 36.71. FPAY is valued rather cheaply when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 4.28
FPAY Price Earnings VS Forward Price EarningsFPAY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

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 RankSector Rank
P/FCF N/A
EV/EBITDA 5.68
FPAY Per share dataFPAY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4

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.
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

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0

5. Dividend

5.1 Amount

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

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FLEXSHOPPER INC

NASDAQ:FPAY (7/22/2025, 8:10:49 PM)

After market: 1.36 +0.05 (+3.82%)

1.31

0 (0%)

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 Owners13.16%
Inst Owner Change-3.09%
Ins Owners14.68%
Ins Owner Change0%
Market Cap32.24M
Analysts82.5
Price Target3.32 (153.44%)
Short Float %0.23%
Short Ratio0.41
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)0%
PT rev (3m)-7.14%
EPS NQ rev (1m)0%
EPS NQ rev (3m)117.86%
EPS NY rev (1m)0%
EPS NY rev (3m)18.42%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)15.78%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.05%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 4.28
P/S 0.23
P/FCF N/A
P/OCF N/A
P/B 0.97
P/tB 1.54
EV/EBITDA 5.68
EPS(TTM)-0.23
EYN/A
EPS(NY)0.31
Fwd EY23.36%
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 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
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 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 1.74
F-Score3
WACC12.42%
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 Y233.04%
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 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