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FLEXSHOPPER INC (FPAY) Stock Fundamental Analysis

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

1.18  -0.05 (-4.07%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FPAY. FPAY was compared to 100 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 has a decent growth rate and is not valued too expensively.


Dividend Valuation Growth Profitability Health

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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.
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

FPAY's Return On Assets of -2.24% is on the low side compared to the rest of the industry. FPAY is outperformed by 85.00% of its industry peers.
The Return On Equity of FPAY (-14.16%) is worse than 85.00% of its industry peers.
Looking at the Return On Invested Capital, with a value of 9.70%, FPAY belongs to the top of the industry, outperforming 81.00% 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -50 -100 -150

1.3 Margins

The Operating Margin of FPAY (16.29%) is comparable to the rest of the industry.
FPAY's Operating Margin has improved in the last couple of years.
FPAY's Gross Margin of 54.88% is fine compared to the rest of the industry. FPAY outperforms 72.00% 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

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.
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

FPAY has an Altman-Z score of 1.72. This is a bad value and indicates that FPAY is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of 1.72, FPAY is in the better half of the industry, outperforming 72.00% of the companies in the same industry.
FPAY has a Debt/Equity ratio of 4.56. This is a high value indicating a heavy dependency on external financing.
FPAY has a worse Debt to Equity ratio (4.56) than 76.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.56
Debt/FCF N/A
Altman-Z 1.72
ROIC/WACC0.79
WACC12.35%
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

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.
Looking at the Current ratio, with a value of 7.10, FPAY belongs to the top 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.
The Revenue has been growing by 9.50% on average over the past years. This is quite good.
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.
FPAY is valuated cheaply with a Price/Forward Earnings ratio of 3.86.
Based on the Price/Forward Earnings ratio, FPAY is valued cheaply inside the industry as 96.00% of the companies are valued more expensively.
FPAY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 21.03.
Industry RankSector Rank
PE N/A
Fwd PE 3.86
FPAY Price Earnings VS Forward Price EarningsFPAY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20

4.2 Price Multiples

90.00% 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 5.58
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.
A more expensive valuation may be justified as FPAY's earnings are expected to grow with 112.79% in the coming years.
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

No dividends for FPAY!.
Industry RankSector Rank
Dividend Yield N/A

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FLEXSHOPPER INC

NASDAQ:FPAY (6/20/2025, 8:00:00 PM)

1.18

-0.05 (-4.07%)

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-2.44%
Ins Owners14.68%
Ins Owner Change2.4%
Market Cap29.04M
Analysts82.5
Price Target3.32 (181.36%)
Short Float %0.29%
Short Ratio0.67
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)-10.89%
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 3.86
P/S 0.21
P/FCF N/A
P/OCF N/A
P/B 0.88
P/tB 1.39
EV/EBITDA 5.58
EPS(TTM)-0.23
EYN/A
EPS(NY)0.31
Fwd EY25.93%
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 1.72
F-Score3
WACC12.35%
ROIC/WACC0.79
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