0.19 USD
+0.01 (+2.7%)
0.1858 USD
0 (-2.21%)
Overall FPAY gets a fundamental rating of 4 out of 10. We evaluated FPAY against 99 industry peers in the Financial Services industry. The financial health of FPAY is average, but there are quite some concerns on its profitability. FPAY has a decent growth rate and is not valued too expensively.
1. Profitability
1.1 Basic Checks
FPAY had negative earnings in the past year.
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
The Return On Assets of FPAY (-2.24%) is worse than 81.82% of its industry peers.
FPAY's Return On Equity of -14.16% is on the low side compared to the rest of the industry. FPAY is outperformed by 83.84% of its industry peers.
FPAY has a better Return On Invested Capital (9.70%) than 83.84% 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
Looking at the Operating Margin, with a value of 16.29%, FPAY is in the better half of the industry, outperforming 60.61% of the companies in the same industry.
In the last couple of years the Operating Margin of FPAY has grown nicely.
FPAY has a better Gross Margin (54.88%) than 70.71% of its industry peers.
FPAY's Gross Margin has improved in the last couple of years.
| 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%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FPAY is destroying value.
The number of shares outstanding for FPAY has been increased compared to 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.
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 has a better Altman-Z score (1.64) than 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.
The Debt to Equity ratio of FPAY (4.56) is worse than 78.79% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.56 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.64 |
ROIC/WACC0.83
WACC11.72%
2.3 Liquidity
FPAY has a Current Ratio of 7.10. This indicates that FPAY is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of FPAY (7.10) is better than 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.
The Quick ratio of FPAY (7.10) is better than 93.94% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 7.1 | ||
| Quick Ratio | 7.1 |
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.
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.
4. Valuation
4.1 Price/Earnings Ratio
FPAY reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
With a Price/Forward Earnings ratio of 0.38, the valuation of FPAY can be described as very cheap.
FPAY's Price/Forward Earnings ratio is rather cheap when compared to the industry. FPAY is cheaper than 100.00% of the companies in the same industry.
FPAY is valuated cheaply when we compare the Price/Forward Earnings ratio to 34.46, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 0.38 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FPAY is valued cheaply inside the industry as 92.93% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 4.83 |
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
5. Dividend
5.1 Amount
FPAY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
0.19
+0.01 (+2.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners13.14%
Inst Owner Change-0.58%
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 %0.17%
Short Ratio0.03
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)-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 Rank | Sector 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 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
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 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 | 1.64 |
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.
What is the valuation status for FPAY stock?
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.
Can you provide the financial health for FPAY stock?
The financial health rating of FLEXSHOPPER INC (FPAY) is 4 / 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.