FlexShopper Inc. (FPAYQ) vs Zoomcar Holdings, Inc. (ZCAR)

FlexShopper Inc. and Zoomcar Holdings, Inc. are both Rental & Leasing Services companies. Zoomcar Holdings, Inc. is the larger, with a market value of $2.3M against $170.0K — 13.4× the size. FlexShopper Inc. grew revenue faster over the last twelve months: 24.5% against 0.18%. FlexShopper Inc. has the higher net margin (−2.60% vs −171.7%) and the higher return on invested capital (8.27% vs 0.00%). Across the 15 metrics below, FlexShopper Inc. leads on 10 and Zoomcar Holdings, Inc. on 5.

Valuation

Metric FPAYQ ZCAR Rental & Leasing Services median
P/E n/m n/m 19.17
P/S n/m 0.20 0.99
P/B n/m n/m 2.23
Price to free cash flow n/m n/m 8.31
EV/EBITDA 1.58 n/m 7.84
EV/Sales 1.05 1.48 2.53
Earnings yield 0.00% (1,400.00%) 0.95%
Free cash flow yield 0.00% (113.47%) 1.43%

Profitability

Metric FPAYQ ZCAR Rental & Leasing Services median
Gross margin 98.07% 57.29% 49.40%
Operating margin 16.79% (64.00%) 8.49%
Net margin (2.60%) (171.68%) 1.01%
Free cash flow margin (30.97%) (22.14%) 1.87%
Return on equity (54.73%) 50.49% 12.13%
Return on assets (2.11%) (445.38%) 0.24%
Return on invested capital 8.27% 0.00% 2.80%

Growth

Metric FPAYQ ZCAR Rental & Leasing Services median
Revenue growth (TTM) 24.46% 0.18% 3.21%
EPS growth (last fiscal year) (215.91%) 97.53% —
Revenue growth, 5-year CAGR 13.73% — 12.97%
Net income growth, 5-year CAGR 0.00% 0.00% 0.00%

Health

Metric FPAYQ ZCAR Rental & Leasing Services median
Debt to equity 4.97 (0.06) 1.48
Current ratio 7.98 0.04 1.36
Net debt to EBITDA 1.39 (0.33) 4.32

Dividend

Metric FPAYQ ZCAR Rental & Leasing Services median
Dividend yield 2.91% — 1.59%
Payout ratio 0.00 0.00 0.00

Size

Metric FPAYQ ZCAR Rental & Leasing Services median
Market cap 170.00k 2.28m 2.42b

Compare with another peer

Any metric, up to five companies and an Excel export Powerpack