FlexShopper Inc. (FPAYQ) vs Aaron's Holdings Company, Inc. (PRG)

FlexShopper Inc. and Aaron's Holdings Company, Inc. are both Rental & Leasing Services companies. Aaron's Holdings Company, Inc. is the larger, with a market value of $1.3B against $170.0K — 7647.1× the size. FlexShopper Inc. has negative trailing earnings, so its P/E is not meaningful; Aaron's Holdings Company, Inc. trades at 8.9×. FlexShopper Inc. grew revenue faster over the last twelve months: 24.5% against 7.96%. Aaron's Holdings Company, Inc. has the higher net margin (5.61% vs −2.60%) and the higher return on invested capital (8.67% vs 8.27%). Both pay a dividend; FlexShopper Inc. yields more (2.91% vs 0.40%). Across the 18 metrics below, Aaron's Holdings Company, Inc. leads on 12 and FlexShopper Inc. on 6.

Valuation

Metric FPAYQ PRG Rental & Leasing Services median
P/E n/m 8.88 19.17
P/S n/m 0.50 0.99
P/B n/m 1.63 2.23
Price to free cash flow n/m 4.12 8.31
EV/EBITDA 1.58 1.19 7.84
EV/Sales 1.05 0.81 2.53
Earnings yield 0.00% 11.26% 0.95%
Free cash flow yield 0.00% 24.29% 1.43%

Profitability

Metric FPAYQ PRG Rental & Leasing Services median
Gross margin 98.07% 94.71% 49.40%
Operating margin 16.79% 8.49% 8.49%
Net margin (2.60%) 5.61% 1.01%
Free cash flow margin (30.97%) 12.20% 1.87%
Return on equity (54.73%) 19.90% 12.13%
Return on assets (2.11%) 8.37% 0.24%
Return on invested capital 8.27% 8.67% 2.80%

Growth

Metric FPAYQ PRG Rental & Leasing Services median
Revenue growth (TTM) 24.46% 7.96% 3.21%
EPS growth (last fiscal year) (215.91%) (20.75%) —
Revenue growth, 5-year CAGR 13.73% (0.61%) 12.97%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric FPAYQ PRG Rental & Leasing Services median
Debt to equity 4.97 1.10 1.48
Current ratio 7.98 4.03 1.36
Net debt to EBITDA 1.39 0.16 4.32

Dividend

Metric FPAYQ PRG Rental & Leasing Services median
Dividend yield 2.91% 0.40% 1.59%
Payout ratio 0.00 0.00 0.00

Size

Metric FPAYQ PRG Rental & Leasing Services median
Market cap 170.00k 1.30b 2.42b

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