-0.71%
-15.66%
19.66%
30.84%
5.26%
-18.37%
-38.60%
AI Spotlight on FPAY
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.It offers durable products, including consumer electronics; home appliances; computers, including tablets and wearables; smartphones; tires; and jewelry and furniture, such as accessories.The company was formerly known as Anchor Funding Services, Inc.
and changed its name to FlexShopper, Inc.in October 2013.FlexShopper, Inc.
was founded in 2003 and is headquartered in Boca Raton, Florida.
Market Data
| Last Price | 1.4 |
| Change Percentage | -0.71% |
| Open | 1.43 |
| Previous Close | 1.41 |
| Market Cap ( Millions) | 30 |
| Volume | 128848 |
| Year High | 2.37 |
| Year Low | 0.97 |
| M A 50 | 1.71 |
| M A 200 | 1.29 |
Financial Ratios
| FCF Yield | -135.78% |
| Dividend Yield | 0.00% |
| ROE | 3.12% |
| Debt / Equity | 501.96% |
| Net Debt / EBIDTA | 452.70% |
| Price To Book | 1.01 |
| Price Earnings Ratio | 33.46 |
| Price To FCF | -0.74 |
| Price To sales | 0.22 |
| EV / EBITDA | 5.48 |
News
- Jan -30 - FlexShopper Updates Status of Rights Offering
- Jan -22 - FlexShopper Appoints Former North Carolina Governor Patrick McCrory to its Board of Directors
- Jan -16 - FlexShopper to Attend the Sidoti Micro-Cap Virtual Conference
- Jan -13 - FlexShopper Announces Preliminary Results of Unit Subscription Rights Offering
- Jan -07 - FlexShopper Inc. (FPAY) Hit a 52 Week High, Can the Run Continue?
- Jan -07 - FlexShopper (FPAY) Shows Fast-paced Momentum But Is Still a Bargain Stock
- Jan -06 - FlexShopper Provides Update on Holiday Season and 2024 Fourth Quarter Results
- Dec -30 - FlexShopper Expands Lease-to-Own Solutions at Jiffy Lube and Meineke Car Care Centers
- Dec -23 - FlexShopper Announces Record Initial Holiday Season Results
- Dec -23 - FlexShopper Announces First Come First Serve Extension of Rights Offering
- Dec -16 - FlexShopper Reminds Right Holders of Early Subscription Process Cutoff Dates
- Dec -16 - Argus Research Initiates Equity Research Report Coverage on FlexShopper, Inc. (NasdaqCM:FPAY)
- Dec -16 - FlexShopper Partners with Tire Agent to Expand Tire Shopping Options for Near-Prime Credit Consumers
- Dec -05 - Here Is Why Bargain Hunters Would Love Fast-paced Mover FlexShopper (FPAY)
- Dec -04 - FlexShopper Forms Exclusive Lease-to-Own Partnership with United Wheels and Its Portfolio of Bicycle Brands, Including Huffy
- Nov -27 - FlexShopper Announces Record Date for Proposed Rights Offering
- Nov -26 - FlexShopper: Unpacking The Potential Of Rights Offering
- Nov -14 - FlexShopper, Inc. (FPAY) Q3 2024 Earnings Call Transcript
- Nov -14 - FlexShopper Inc. (FPAY) Q3 Earnings and Revenues Beat Estimates
- Nov -11 - FlexShopper, Inc. Schedules 2024 Third Quarter Financial Results Conference Call
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Lease Revenues and Fees
Expected Growth : 10 %
What the company do ?
Lease Revenues and Fees from FlexShopper, Inc. refer to the income generated from leasing merchandise to customers through a lease-to-own agreement.
Why we expect these perspectives ?
The 10% growth in Lease Revenues and Fees from FlexShopper, Inc. is driven by increasing adoption of flexible payment options, expansion into new retail partnerships, and rising demand for consumer electronics and furniture. Additionally, FlexShopper's proprietary technology and data analytics capabilities enable efficient customer acquisition and retention, contributing to the segment's growth.
Segment n°2 -> Loan Revenues and Fees
Expected Growth : 11 %
What the company do ?
Loan Revenues and Fees from FlexShopper, Inc. refer to interest and fees generated from point-of-sale loans and lease-to-own agreements.
Why we expect these perspectives ?
FlexShopper's 11% loan revenue growth is driven by increasing adoption of lease-to-own financing solutions, expansion into new retail partnerships, and rising demand for consumer electronics and furniture. Additionally, the company's investments in digital marketing and enhanced customer experience have improved conversion rates and increased average order value.
Flexshopper, Inc. Products
| Product Range | What is it ? |
|---|---|
| Lease-to-Own | FlexShopper's Lease-to-Own program allows customers to lease products from top brands with the option to own them at the end of the lease term. |
| Rent-to-Own | FlexShopper's Rent-to-Own program provides customers with access to products from top brands with flexible rental periods. |
| Point-of-Sale Financing | FlexShopper offers point-of-sale financing options for customers, allowing them to purchase products from partner retailers with flexible payment plans. |
| Retail Partnerships | FlexShopper partners with retailers to offer customers flexible payment options and financing solutions. |
| E-commerce Platform | FlexShopper's e-commerce platform allows customers to shop online and access a wide range of products from top brands. |
FlexShopper, Inc.'s Porter Forces
Threat Of Substitutes
FlexShopper, Inc. faces moderate threat from substitutes, as customers have alternative options for renting or buying products, but the company's unique business model and wide product offerings mitigate this threat to some extent.
Bargaining Power Of Customers
FlexShopper, Inc. has a large customer base, but individual customers have limited bargaining power due to the company's diversified customer base and lack of dependence on a single customer.
Bargaining Power Of Suppliers
FlexShopper, Inc. has a moderate level of dependence on its suppliers, but the company's scale and diversified supplier base mitigate the bargaining power of individual suppliers.
Threat Of New Entrants
FlexShopper, Inc. operates in a niche market with high barriers to entry, making it difficult for new entrants to replicate the company's business model and scale.
Intensity Of Rivalry
FlexShopper, Inc. operates in a highly competitive market with several established players, leading to a high level of rivalry and competition for market share.
Capital Structure
| Value | |
|---|---|
| Debt Weight | 78.53% |
| Debt Cost | 10.32% |
| Equity Weight | 21.47% |
| Equity Cost | 10.32% |
| WACC | 10.32% |
| Leverage | 365.81% |
FlexShopper, Inc. : Quality Control
FlexShopper, Inc. passed 2 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| CTOS | Custom Truck One Source, Inc. provides specialty equipment rental services to the electric utility transmission and distribution, telecommunications, rail, other infrastructure-related industries in North America. It operates through Equipment Rental … |
| WLFC | Willis Lease Finance Corporation operates as a lessor and servicer of commercial aircraft and aircraft engines worldwide. The company operates through two segments, Leasing and Related Operations, and Spare Parts … |
| PRG | PROG Holdings, Inc. operates as an omnichannel provider of lease-purchase solutions to underserved and credit-challenged customers. It operates in two segments, Progressive Leasing and Vive. The Progressive Leasing segment offers … |
| HEES | H&E Equipment Services, Inc. operates as an integrated equipment services company. The company operates in five segments: Equipment Rentals, Used Equipment Sales, New Equipment Sales, Parts Sales, and Repair and … |
| HTZ | Hertz Global Holdings, Inc. operates as a vehicle rental company. It operates through two segments, Americas Rental Car and International Rental Car. The company provides vehicle rental services under the … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
🥇
Willis Lease Finance
A-Score
1-Year Total Return ->
🥈
PROG Holdings
A-Score
1-Year Total Return ->
🥉
H&E Equipment Services
A-Score
1-Year Total Return ->
4
FlexShopper
A-Score
1-Year Total Return ->
5
Custom Truck One Source
A-Score
1-Year Total Return ->
6
