FLEXSHOPPER INC (FPAY)
US33939J3032 - Common Stock
Taking everything into account, FPAY scores 4 out of 10 in our fundamental rating. FPAY was compared to 99 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.
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.
In the past 5 years FPAY always reported negative operating cash flow.
1.2 Ratios
With a Return On Assets value of -1.87%, FPAY is not doing good in the industry: 82.83% of the companies in the same industry are doing better.
With a Return On Equity value of -11.75%, FPAY is not doing good in the industry: 84.85% of the companies in the same industry are doing better.
FPAY has a better Return On Invested Capital (10.59%) than 83.84% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.87% | ||
| ROE | -11.75% | ||
| ROIC | 10.59% |
ROA(3y)0.74%
ROA(5y)-1.31%
ROE(3y)2.69%
ROE(5y)-8.44%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
With a Operating Margin value of 16.79%, FPAY perfoms like the industry average, outperforming 58.59% 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 (53.53%) than 70.71% of its industry peers.
FPAY's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 16.79% | ||
| PM (TTM) | N/A | ||
| GM | 53.53% |
OM growth 3Y37.47%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y10.47%
GM growth 5Y8.18%
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.
The number of shares outstanding for FPAY has been reduced compared to 1 year ago.
FPAY has more shares outstanding than it did 5 years ago.
FPAY has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 1.83 indicates that FPAY is not a great score, but indicates only limited risk for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 1.83, FPAY is in the better half of the industry, outperforming 70.71% of the companies in the same industry.
FPAY has a Debt/Equity ratio of 4.62. This is a high value indicating a heavy dependency on external financing.
Looking at the Debt to Equity ratio, with a value of 4.62, FPAY is doing worse than 81.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.62 | ||
| Debt/FCF | N/A | ||
| Altman-Z | 1.83 |
ROIC/WACC0.77
WACC13.82%
2.3 Liquidity
A Current Ratio of 7.98 indicates that FPAY has no problem at all paying its short term obligations.
FPAY has a better Current ratio (7.98) than 94.95% of its industry peers.
FPAY has a Quick Ratio of 7.98. This indicates that FPAY is financially healthy and has no problem in meeting its short term obligations.
Looking at the Quick ratio, with a value of 7.98, FPAY belongs to the top of the industry, outperforming 94.95% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 7.98 | ||
| Quick Ratio | 7.98 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 37.88% over the past year.
FPAY shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.46%.
FPAY shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 13.72% yearly.
EPS 1Y (TTM)37.88%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%600%
Revenue 1Y (TTM)24.46%
Revenue growth 3Y4.64%
Revenue growth 5Y13.72%
Sales Q2Q%22.95%
3.2 Future
The Earnings Per Share is expected to grow by 56.89% on average over the next years. This is a very strong growth
FPAY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 14.46% yearly.
EPS Next Y82.39%
EPS Next 2Y56.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year23.06%
Revenue Next 2Y14.46%
Revenue Next 3YN/A
Revenue Next 5YN/A
3.3 Evolution
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for FPAY. In the last year negative earnings were reported.
FPAY is valuated cheaply with a Price/Forward Earnings ratio of 6.31.
FPAY's Price/Forward Earnings ratio is rather cheap when compared to the industry. FPAY is cheaper than 85.86% of the companies in the same industry.
FPAY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 23.69.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 6.31 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FPAY is valued cheaply inside the industry as 90.91% of the companies are valued more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | 5.53 |
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.
A more expensive valuation may be justified as FPAY's earnings are expected to grow with 56.89% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y56.89%
EPS Next 3YN/A
5. Dividend
5.1 Amount
No dividends for FPAY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
FLEXSHOPPER INC
NASDAQ:FPAY (1/3/2025, 8:00:01 PM)
After market: 1.61 -0.02 (-1.23%)1.63
-0.03 (-1.81%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners11.63%
Inst Owner Change36.86%
Ins Owners25.11%
Ins Owner Change0%
Market Cap34.98M
Analysts82.22
Price Target3.57 (119.02%)
Short Float %3.81%
Short Ratio2.54
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)81.37%
Min EPS beat(2)31.11%
Max EPS beat(2)131.63%
EPS beat(4)3
Avg EPS beat(4)53.25%
Min EPS beat(4)-4.49%
Max EPS beat(4)131.63%
EPS beat(8)5
Avg EPS beat(8)-15.01%
EPS beat(12)6
Avg EPS beat(12)-16.69%
EPS beat(16)7
Avg EPS beat(16)-123.37%
Revenue beat(2)1
Avg Revenue beat(2)1.64%
Min Revenue beat(2)-4.48%
Max Revenue beat(2)7.75%
Revenue beat(4)2
Avg Revenue beat(4)3.64%
Min Revenue beat(4)-4.48%
Max Revenue beat(4)14%
Revenue beat(8)4
Avg Revenue beat(8)-1.03%
Revenue beat(12)5
Avg Revenue beat(12)-4.76%
Revenue beat(16)7
Avg Revenue beat(16)-4.42%
PT rev (1m)0%
PT rev (3m)7.69%
EPS NQ rev (1m)0%
EPS NQ rev (3m)35.71%
EPS NY rev (1m)74.56%
EPS NY rev (3m)74.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-8.15%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 6.31 | ||
| P/S | 0.26 | ||
| P/FCF | N/A | ||
| P/OCF | N/A | ||
| P/B | 1.17 | ||
| P/tB | 2.13 | ||
| EV/EBITDA | 5.53 |
EPS(TTM)-0.41
EYN/A
EPS(NY)0.26
Fwd EY15.85%
FCF(TTM)-1.94
FCFYN/A
OCF(TTM)-1.54
OCFYN/A
SpS6.27
BVpS1.39
TBVpS0.76
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -1.87% | ||
| ROE | -11.75% | ||
| ROCE | 13.41% | ||
| ROIC | 10.59% | ||
| ROICexc | 11.07% | ||
| ROICexgc | 12.08% | ||
| OM | 16.79% | ||
| PM (TTM) | N/A | ||
| GM | 53.53% | ||
| FCFM | N/A |
ROA(3y)0.74%
ROA(5y)-1.31%
ROE(3y)2.69%
ROE(5y)-8.44%
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 3Y0.39%
ROICexcg growth 5YN/A
ROICexc growth 3Y-3.24%
ROICexc growth 5YN/A
OM growth 3Y37.47%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y10.47%
GM growth 5Y8.18%
F-Score3
Asset Turnover0.72
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 4.62 | ||
| Debt/FCF | N/A | ||
| Debt/EBITDA | 4.31 | ||
| Cap/Depr | 92.6% | ||
| Cap/Sales | 6.43% | ||
| Interest Coverage | 1.16 | ||
| Cash Conversion | N/A | ||
| Profit Quality | N/A | ||
| Current Ratio | 7.98 | ||
| Quick Ratio | 7.98 | ||
| Altman-Z | 1.83 |
F-Score3
WACC13.82%
ROIC/WACC0.77
Cap/Depr(3y)146.35%
Cap/Depr(5y)129.62%
Cap/Sales(3y)5.87%
Cap/Sales(5y)4.63%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)37.88%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%600%
EPS Next Y82.39%
EPS Next 2Y56.89%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)24.46%
Revenue growth 3Y4.64%
Revenue growth 5Y13.72%
Sales Q2Q%22.95%
Revenue Next Year23.06%
Revenue Next 2Y14.46%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y768.24%
EBIT growth 3Y43.84%
EBIT growth 5YN/A
EBIT Next Year311.9%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y12.35%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y17.39%
OCF growth 3YN/A
OCF growth 5YN/A