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FLEXSHOPPER INC (FPAY) Stock Fundamental Analysis

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

1.431  -0.01 (-0.62%)

Fundamental Rating

4

Overall FPAY gets a fundamental rating of 4 out of 10. We evaluated FPAY against 101 industry peers in the Financial Services industry. While FPAY seems to be doing ok healthwise, there are quite some concerns on its profitability. FPAY is not valued too expensively and it also shows a decent growth rate.


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.
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 0 10M -10M -20M -30M

1.2 Ratios

FPAY's Return On Assets of -1.87% is on the low side compared to the rest of the industry. FPAY is outperformed by 83.17% of its industry peers.
With a Return On Equity value of -11.75%, FPAY is not doing good in the industry: 86.14% of the companies in the same industry are doing better.
FPAY has a Return On Invested Capital of 10.59%. This is amongst the best in the industry. FPAY outperforms 84.16% of its industry peers.
Industry RankSector 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
FPAY Yearly ROA, ROE, ROICFPAY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 -50 -100 -150

1.3 Margins

The Operating Margin of FPAY (16.79%) 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 53.53% is fine compared to the rest of the industry. FPAY outperforms 71.29% of its industry peers.
In the last couple of years the Gross Margin of FPAY has grown nicely.
Industry RankSector 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%
FPAY Yearly Profit, Operating, Gross MarginsFPAY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 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 reduced compared to 1 year ago.
Compared to 5 years ago, FPAY has more shares outstanding
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 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 50M 100M 150M

2.2 Solvency

FPAY has an Altman-Z score of 1.81. This is a bad value and indicates that FPAY is not financially healthy and even has some risk of bankruptcy.
With a decent Altman-Z score value of 1.81, FPAY is doing good in the industry, outperforming 69.31% 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.
FPAY's Debt to Equity ratio of 4.62 is on the low side compared to the rest of the industry. FPAY is outperformed by 80.20% of its industry peers.
Industry RankSector Rank
Debt/Equity 4.62
Debt/FCF N/A
Altman-Z 1.81
ROIC/WACC0.77
WACC13.69%
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 0 50M 100M

2.3 Liquidity

A Current Ratio of 7.98 indicates that FPAY has no problem at all paying its short term obligations.
With an excellent Current ratio value of 7.98, FPAY belongs to the best of the industry, outperforming 96.04% of the companies in the same industry.
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.
FPAY has a better Quick ratio (7.98) than 96.04% of its industry peers.
Industry RankSector Rank
Current Ratio 7.98
Quick Ratio 7.98
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 20M 40M 60M 80M 100M

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 37.88% over the past year.
Looking at the last year, FPAY shows a very strong growth in Revenue. The Revenue has grown by 24.46%.
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

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
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 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 0 0.2 -0.2 -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 5.54.
93.07% of the companies in the same industry are more expensive than FPAY, based on the Price/Forward Earnings ratio.
FPAY's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 22.10.
Industry RankSector Rank
PE N/A
Fwd PE 5.54
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

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FPAY indicates a rather cheap valuation: FPAY is cheaper than 92.08% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF N/A
EV/EBITDA 5.37
FPAY Per share dataFPAY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6

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

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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 (3/7/2025, 8:27:54 PM)

1.431

-0.01 (-0.62%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-14 2024-11-14/bmo
Earnings (Next)03-11 2025-03-11/amc
Inst Owners15.68%
Inst Owner Change-2.51%
Ins Owners16.84%
Ins Owner Change2.4%
Market Cap30.71M
Analysts82.5
Price Target3.57 (149.48%)
Short Float %1.65%
Short Ratio0.52
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)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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)211.11%
EPS NY rev (1m)0%
EPS NY rev (3m)74.56%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 5.54
P/S 0.23
P/FCF N/A
P/OCF N/A
P/B 1.03
P/tB 1.87
EV/EBITDA 5.37
EPS(TTM)-0.41
EYN/A
EPS(NY)0.26
Fwd EY18.06%
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 RankSector 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 RankSector 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 1.81
F-Score3
WACC13.69%
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 1Y768.25%
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