FlexShopper Inc.

FPAYQ Industrials Rental & Leasing Services

FlexShopper Inc.’s revenue for fiscal 2023 (year ended December 2023) was $117.0 million, up 3.47% from fiscal 2022. Revenue growth for three consecutive years, operating cash flow growth for three.

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Market cap
$170.0K
P/E
0.0×
Fwd P/E
−14.8×
Dividend yield
—
F-score
3/9
Altman Z
1.69
Beneish M
−2.29
Dividend safety
n/a

Insider Decisions trades per month

Dec 25 Mar 26 Jun 26 Sep 26
Buy — — — — — — — — — — — —
Sell — — — — — — — — — — — —
Insider Ownership 54.09%

Capital & Financial Ratios $m

Market Cap 0.17
Revenue 134.56
Net Income 0.90
Free Cash Flow (41.67)
Net Debt 140.91
Current Ratio 7.98 (at or above 1.5: strong)
Debt/Equity 4.97 (above 2: weak)
P/E ratio 0.00
Fwd P/E (14.80) (negative: loss-making)
P/S ratio 0.00
P/B ratio 0.00
Past 5Y EPS Growth —
This Y EPS Growth 322.73% (at or above 15%: strong)
Next Y EPS Growth 16.33% (at or above 15%: strong)
Next Y revenue growth 23.27% (at or above 10%: strong)
Next 5Y EPS Growth —

Green and red mark values outside typical ranges. How we judge →

Valuation vs history

EV/Sales against its own 10 years 72.72%
10-year low 10-year high

Dividends

Payout Ratio —
Annual Dividend Rate —
Annual Dividend Yield —
total individual payouts
2023 Powerpack
2022 Powerpack
2021 Powerpack
2020 Powerpack
2019 Powerpack
2018 Powerpack
special payouts not included in total or ratios

Assets vs Liabilities $m

2021 2022 2023 Q'24
Cash 5 6 4 7
Receivables 29 68 81 113
Inventory — — — —
Other 41 32 29 24
77 110 117 149
2021 2022 2023 Q'24
Payables 8 7 7 4
ST’ Debt 1 1 0 11
Other — — — —
13 12 12 19

Compound Annual Growth %

10y 5y 3y
Sales 304.40% 13.73% 4.64%
Cash Flow 0.00% 0.00% 0.00%
Earnings 0.00% 0.00% 0.00%
Book Value 25.33% 28.04% 37.87%

Revenue $m

Mar Jun Sep Dec Year
’26 34 32 39 — —
’23 31 25 31 30 117
’22 29 37 26 21 113
’21 33 31 31 31 125
’20 25 25 25 28 102
’19 23 21 23 22 89
’18 15 14 15 18 61
Fiscal quarters ending in the months shown.

Operating Cash Flow $m

Mar Jun Sep Dec Year
’26 (6) (10) (8) — —
’23 6 0 (3) (9) (7)
’22 (8) (12) (8) (4) (31)
’21 (1) 1 1 (12) (11)
’20 1 5 (1) (10) (5)
’19 0 3 1 (4) 0
’18 (2) 0 (1) (14) (18)
Fiscal quarters ending in the months shown.

Free Cash Flow $m

Mar Jun Sep Dec Year
’26 (8) (12) (10) — —
’23 4 (2) (5) (12) (14)
’22 (9) (14) (10) (6) (39)
’21 (1) 0 (1) (14) (16)
’20 0 4 (2) (11) (8)
’19 (1) 3 1 (5) (3)
’18 (2) (1) (2) (15) (20)
Fiscal quarters ending in the months shown.

EPS $

Mar Jun Sep Dec Year
’26 (0.06) (0.13) 0.05 — —
’23 (0.06) (0.22) (0.01) (0.03) (0.51)
’22 (0.14) 0.51 (0.32) 0.27 0.44
’21 (0.03) 0.01 0.05 0.00 0.04
’20 (0.06) (0.04) (0.02) (0.05) (0.17)
’19 (0.01) (0.05) 0.04 (0.09) (0.11)
’18 (0.55) (0.48) (0.56) (0.36) (1.39)
Fiscal quarters ending in the months shown.

Target Price Range

Analyst price targets

Recommendation Rating

1
1Buy 2 3Hold 4 5Sell

Ten years at a glance Fiscal years to December

Group Line 2014 2015 2016 2017 2018 2019 2020 2021 2022 2023 Trend 2024e 2025e 2026e
Price, $
Price, $ Low — — 2.50 3.10 0.66 0.74 0.95 2.08 0.83 0.59

Analyst estimates 2024–2026

Powerpack
High — — 8.00 6.56 4.80 2.70 3.36 3.95 3.17 2.47
People
People Employees — — 125 154 135 180 155 137 118 204
Revenue/emp, $m — — 0.38 0.44 0.46 0.49 0.66 0.92 0.96 0.57
Income, $m
Income, $m Revenue — — 48 67 61 89 102 125 113 117
Gross margin, % — — 50.77 51.60 31.59 32.17 34.63 100.00 100.00 100.00
EBT — — (12) (8) (9) 1 0 4 (3) (5)
EBT margin, % — — (25.75) (12.43) (15.39) 0.89 0.32 3.24 (2.66) (4.47)
Net income — — (12) (8) (9) 1 0 3 14 (4)
Depreciation — — 24 34 43 61 66 82 78 65
Per share, $
Per share, $ Revenue — — 9.06 12.67 7.17 5.02 4.86 5.86 5.22 5.39
Earnings — — (2.57) (2.01) (1.39) (0.11) (0.17) 0.04 0.45 (0.51)
Cash flow — — (3.31) (1.25) (2.12) (0.03) (0.25) (0.53) (1.44) (0.31)
Capex — — (0.35) (0.38) (0.27) (0.13) (0.15) (0.23) (0.38) (0.35)
Free cash flow — — (3.66) (1.63) (2.38) (0.15) (0.40) (0.76) (1.82) (0.66)
Book value — — 2.77 1.20 0.99 0.56 0.53 0.75 1.43 1.35
Shares, m — — 5 5 9 18 21 21 22 22
Valuation, ×
Valuation, × P/E — — 0.00 0.00 0.00 0.00 0.00 58.75 2.09 0.00
P/S — — 0.66 0.31 0.11 0.50 0.53 0.40 0.18 0.30
P/B — — 0.00 0.00 0.00 0.00 0.00 0.00 2.42 5.40
EV/Sales — — 0.79 0.32 0.26 0.81 0.86 0.80 0.97 1.23
EV/FCF — — (1.94) (2.51) (0.79) (26.39) (10.61) (6.53) (2.79) (10.14)
Cash, $m
Cash, $m Operating cash flow — — (17) (7) (18) 0 (5) (11) (31) (7)
Capex — — (2) (2) (2) (2) (3) (5) (8) (8)
Free cash flow — — (19) (9) (20) (3) (8) (16) (39) (14)
Balance, $m
Balance, $m Working capital — — 22 8 19 39 45 64 97 105
Total debt — — 10 19 16 34 43 55 96 114
Net debt — — 5 14 10 27 34 50 90 110
Shareholders’ equity — — 15 6 8 10 11 16 31 29
Returns, %
Returns, % ROA — — (57.75) (33.71) (28.77) (3.69) (5.80) 1.09 8.50 (5.47)
ROIC — — (33.50) (19.12) (17.80) 8.67 6.38 6.98 (3.26) 6.16
ROE — — 654.53 83.62 75.52 13.53 28.52 (9.11) 1,260.48 (113.76)
Negative figures in brackets.

All 10 years →

Fiscal years to Dec 2023 · latest quarter Sep 2024

Charts ten years each

FlexShopper Inc. vs peers in Rental & Leasing Services (Q) = latest quarter vs a year earlier

Company Market cap P/E Fwd P/E Revenue growth (Q) EPS growth (Q) FCF growth (Q) Gross margin (Q) EBIT margin (Q) Compare
VSTS Vestis Corporation $1.9B — (loss-making) 168× −1.80% (below 0%: shrinking) n/m +478.29% (above 0%: growing) 28.02% 5.63% Compare
PRG Aaron's Holdings Company, Inc. $1.2B 8.4× 9.1× +22.30% (above 0%: growing) −4.17% (below 0%: shrinking) +48.39% (above 0%: growing) 89.48% 9.12% Compare
WLFC Willis Lease Finance Corporation $813.0M 9.0× 14.6× −0.76% (below 0%: shrinking) −52.99% (below 0%: shrinking) −161.11% (below 0%: shrinking) 86.88% 32.81% Compare
HTZ Hertz Global Holdings, Inc. $652.3M — (loss-making) — (loss-making) +9.66% (above 0%: growing) n/m −18.00% (below 0%: shrinking) 39.32% 7.14% Compare
ALTG Alta Equipment Group Inc. $197.0M — (loss-making) — (loss-making) −1.18% (below 0%: shrinking) n/m −46.58% (below 0%: shrinking) 26.12% 2.52% Compare
VAI Valor Energy Inc. $37.1M — (loss-making) — (loss-making) −15.62% (below 0%: shrinking) n/m −186.77% (below 0%: shrinking) 17.10% (174.79%) Compare
MWG Multi Ways Holdings Limited $7.4M — — — — −31.57% (below 0%: shrinking) — — Compare
ZCAR Zoomcar Holdings, Inc. $2.3M — (loss-making) — +1.66% (above 0%: growing) n/m −350.23% (below 0%: shrinking) 65.48% (37.38%) Compare
FPAYQ FlexShopper Inc. $170.0K — (loss-making) — (loss-making) +22.95% (above 0%: growing) n/m −117.27% (below 0%: shrinking) 97.61% 24.77%
Median of peers $424.6M — 14.6× −0.76% — −39.07% 39.32% 5.63%

All 20 Rental & Leasing Services stocks →

FlexShopper Inc. (FPAYQ) key facts

  • Strength: FlexShopper Inc.’s revenue for fiscal 2023 (year ended December 2023) was $117.0 million, up 3.47% from fiscal 2022.
  • FlexShopper Inc. (FPAYQ) is a Rental & Leasing Services company in the Industrials sector.
  • Return on equity was −113.8% and debt-to-equity 4.97.
  • Its Piotroski F-score is 3 out of 9 and its Altman Z-score is 1.69 (distress zone) for fiscal 2023.

Source: company filings (standardised) and stockrow calculations.

FlexShopper Inc. (FPAYQ) Latest News

26 Jun

stockrow.com/FPAYQ · Data as of Sep 30, 2024 · For information only; not investment advice. · © 2026 stockrow.com