FLEXSHOPPER INC(NASDAQ:FPAY) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to FPAY. FPAY was compared to 102 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.

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1. Profitability

1.1 Basic Checks

In the past year FPAY has reported negative net income.

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.

FPAY had a negative operating cash flow in each of the past 5 years.

1.2 Ratios

FPAY has a worse Return On Assets (-1.87%) than 81.37% of its industry peers.

FPAY has a worse Return On Equity (-11.75%) than 83.33% of its industry peers.

FPAY has a Return On Invested Capital of 10.59%. This is amongst the best in the industry. FPAY outperforms 84.31% 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

FPAY has a Operating Margin (16.79%) which is comparable to the rest of the industry.

In the last couple of years the Operating Margin of FPAY has grown nicely.

FPAY's Gross Margin of 53.53% is fine compared to the rest of the industry. FPAY outperforms 71.57% 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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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.

The number of shares outstanding for FPAY has been increased compared to 5 years ago.

The debt/assets ratio for FPAY is higher compared to a year ago.

2.2 Solvency

FPAY has an Altman-Z score of 1.80. 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 1.80 is fine compared to the rest of the industry. FPAY outperforms 70.59% of its industry peers.

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 81.37% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	4.62
Debt/FCF	N/A
Altman-Z	1.8

ROIC/WACC0.77

WACC13.72%

2.3 Liquidity

FPAY has a Current Ratio of 7.98. This indicates that FPAY is financially healthy and has no problem in meeting its short term obligations.

FPAY has a Current ratio of 7.98. This is amongst the best in the industry. FPAY outperforms 95.10% of its industry peers.

A Quick Ratio of 7.98 indicates that FPAY has no problem at all paying its short term obligations.

FPAY's Quick ratio of 7.98 is amongst the best of the industry. FPAY outperforms 95.10% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	7.98
Quick Ratio	7.98

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

FPAY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 37.88%, which is quite impressive.

The Revenue has grown by 24.46% in the past year. This is a very strong growth!

Measured over the past years, FPAY shows a quite strong growth in Revenue. The Revenue has been growing by 13.72% on average per year.

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

Based on estimates for the next years, FPAY will show a very strong growth in Earnings Per Share. The EPS will grow by 56.89% on average per year.

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.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for FPAY. In the last year negative earnings were reported.

A Price/Forward Earnings ratio of 5.57 indicates a rather cheap valuation of FPAY.

FPAY's Price/Forward Earnings ratio is rather cheap when compared to the industry. FPAY is cheaper than 93.14% of the companies in the same industry.

Compared to an average S&P500 Price/Forward Earnings ratio of 92.74, FPAY is valued rather cheaply.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	5.57

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 92.16% of the companies listed in the same industry.

		Industry Rank	Sector Rank
P/FCF	N/A
EV/EBITDA	5.35

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 56.89% in the coming years.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y56.89%

EPS Next 3YN/A

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5. Dividend

5.1 Amount

No dividends for FPAY!.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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FLEXSHOPPER INC

NASDAQ:FPAY (2/5/2025, 4:22:37 PM)

After market: 1.41 -0.03 (-2.08%)

1.44

+0.05 (+3.6%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)11-14 2024-11-14/bmo

Earnings (Next)N/A N/A

Inst Owners11.63%

Inst Owner Change-2.13%

Ins Owners25.11%

Ins Owner Change2.4%

Market Cap30.90M

Analysts82.22

Price Target3.57 (147.92%)

Short Float %7.89%

Short Ratio3.49

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)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)211.11%

EPS NQ rev (3m)171.43%

EPS NY rev (1m)0%

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	5.57
P/S	0.23
P/FCF	N/A
P/OCF	N/A
P/B	1.04
P/tB	1.88
EV/EBITDA	5.35

EPS(TTM)-0.41

EYN/A

EPS(NY)0.26

Fwd EY17.94%

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	1.8

F-Score3

WACC13.72%

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

FLEXSHOPPER INC (FPAY) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

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3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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