FlexShopper (FPAYQ)
OTHER OTC:FPAYQ
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FlexShopper
(OTC:FPAYQ)
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Rating:44Neutral
Price Target:
$0.01
▲(0.00% Upside)
Action:ReiteratedDate:12/09/25
FlexShopper's overall stock score of 44 reflects major concerns in financial performance, driven by poor profitability, high debt, and negative cash flows, alongside negative corporate events like delisting risks and leadership turmoil. While revenue growth offers some upside, these critical risks dominate the outlook.
Positive Factors
Revenue Growth
The company's ability to increase revenue suggests strong demand for its lease-to-own solutions, which can support long-term business expansion.
Negative Factors
Leadership Instability
Frequent leadership changes can disrupt strategic direction and operational stability, impacting long-term company performance.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
The company's ability to increase revenue suggests strong demand for its lease-to-own solutions, which can support long-term business expansion.
Read all positive factors
FlexShopper (FPAYQ) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$2.15K
Dividend YieldN/A
Average Volume (3M)993.30K
Price to Earnings (P/E)―
Beta (1Y)-2.74
Revenue Growth19.51%
EPS Growth29.43%
CountryUS
Employees204
SectorIndustrials
Sector Strength72
IndustryRental & Leasing Services
Share Statistics
EPS (TTM)N/A
Shares Outstanding21,461,489
10 Day Avg. Volume1,040,120
30 Day Avg. Volume993,303
Financial Highlights & Ratios
PEG Ratio5.53
Price to Book (P/B)1.11
Price to Sales (P/S)0.26
P/FCF Ratio-0.85
Enterprise Value/Market Cap71.27K
Enterprise Value/Revenue1.09
Enterprise Value/Gross Profit1.12
Enterprise Value/Ebitda3.82
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
FlexShopper Business Overview & Revenue Model
Company Description
FlexShopper, Inc., a financial technology company, operates an e-commerce marketplace to shop electronics, home furnishings, and other durable goods on a lease-to-own (LTO) basis. The company offers consumer electronics; home appliances; computers...
How the Company Makes Money
FlexShopper generates revenue primarily through fees associated with its lease-to-own agreements. The company charges consumers a lease payment that includes a markup over the cost of the product, which may consist of an initial payment, monthly p...
FlexShopper Financial Statement Overview
Summary
Income Statement
65
Positive
Balance Sheet
40
Negative
Cash Flow
30
Negative
| Breakdown | Mar 2025 | Mar 2024 | Mar 2023 | Dec 2021 | Dec 2020 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 139.80M | 116.98M | 113.06M | 125.43M | 102.08M |
| Gross Profit | 136.42M | 104.48M | 109.67M | 46.25M | 35.35M |
| EBITDA | 32.39M | 16.61M | 383.40K | 12.71M | 72.05M |
| Net Income | -179.27K | -4.23M | 13.63M | 3.27M | -339.90K |
Balance Sheet | |||||
| Total Assets | 209.51M | 156.49M | 148.29M | 84.81M | 68.25M |
| Cash, Cash Equivalents and Short-Term Investments | 10.40M | 4.41M | 6.05M | 4.99M | 8.54M |
| Total Debt | 163.34M | 115.57M | 97.74M | 56.81M | 45.98M |
| Total Liabilities | 176.36M | 127.26M | 117.25M | 68.67M | 57.10M |
| Stockholders Equity | 33.15M | 29.23M | 31.03M | 16.14M | 11.15M |
Cash Flow | |||||
| Free Cash Flow | -43.45M | -13.00M | -37.74M | -16.21M | -8.31M |
| Operating Cash Flow | -34.95M | -6.66M | -31.24M | -11.26M | -5.21M |
| Investing Cash Flow | -9.15M | -7.56M | -5.20M | -4.95M | -3.10M |
| Financing Cash Flow | 50.09M | 12.47M | 37.52M | 12.76M | 9.98M |
FlexShopper Peers Comparison
UnderperformOutperform
Sector (63)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
63 Neutral | $10.79B | 15.43 | 7.44% | 2.01% | 2.89% | -14.66% | |
63 Neutral | $1.15B | 8.05 | 21.17% | 1.72% | 3.71% | 9.14% | |
55 Neutral | $1.08B | -33.95 | -4.55% | 2.09% | -2.53% | -291.35% | |
47 Neutral | $1.59B | -42.03 | -3.00% | ― | 7.39% | 34.57% | |
44 Neutral | $2.15K | -0.05 | ― | ― | 19.51% | 29.43% | |
| ― | $50.18M | -1.41 | -62.46% | ― | 19.87% | -111.99% | |
46 Neutral | $187.47M | -3.18 | -160.65% | 4.88% | -3.95% | -47.70% |
* Industrials Sector Average
FPAYQ
FlexShopper
―
―
―
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Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.