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FlexShopper, Inc.(FPAY)Earnings, Financials & Key Ratios
FPAY•NASDAQ
$0.00
Price updated Jun 20, 2026
AboutFlexShopper, 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.Show more
- Revenue$140M+19.5%
- EBITDA$32M+95.0%
- Net Income-$179K+95.8%
- EPS (Diluted)-0.22+37.1%
- Gross Margin97.58%+9.3%
- EBITDA Margin23.17%+63.1%
- Operating Margin16.29%+39.2%
- Net Margin-0.13%+96.5%
- ROE-0.57%+95.9%
FPAY Price & Volume
FlexShopper, Inc. (FPAY) stock price & volume — 10-year historical chart
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Persistent Margin Volatility Masks Structural Liquidity Risks
Investment Thesis • Updated 2024Q4
VerdictNegative
Growth:Mixed
Profitability:Strained
Financial:Vulnerable
Cash Flow:Burning
Primary Risk:Subprime credit default volatility
Key Thesis Takeaways
- FlexShopper faces a challenging fundamental outlook characterized by extreme margin volatility, with gross margins swinging from 58.3% in 2024Q3 to 2.4% in 2024Q4, suggesting an unstable business model.
- While the company has achieved revenue growth, this expansion is heavily reliant on debt-fueled asset acquisition, evidenced by a debt-to-equity ratio of 4.93.
- Investors should monitor the company's inability to convert net income into positive free cash flow, which reached a $13.4M outflow in 2024Q4, as it threatens long-term solvency.
Verdict Logic
the company's inability to generate positive free cash flow, highlighted by a $13.4M outflow in 2024Q4, combined with a high debt-to-equity ratio of 4.93, presents significant solvency risks.
FPAY Growth Metrics
FlexShopper, Inc. (FPAY) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years39.48%
5 Years9.5%
3 Years3.68%
TTM19.51%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM68.09%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM-24.42%
Return on Capital
10 Years-14.3%
5 Years7.82%
3 Years5.84%
Last Year13.81%
Peers Comparison
Key metrics vs top competitors for FlexShopper, Inc. (FPAY)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $0.00 | $2.46K | -0.00 | 19.51% | -0.13% | -0.57% | — | |
| $20.51 | $1.19B | 16.41 | 8.67% | 1.78% | 12.1% | — | |
| $18.03 | $687.68M | -2.31 | 10.36% | -21.88% | -25% | — | |
| $199.11 | $923.93M | 28.94 | 3.7% | 5.98% | 9.36% | — | |
| $83.62 | $27.85B | 557.47 | 38.8% | 11.95% | 11.17% | — | |
| $177.63 | $5.97B | 47.75 | 66.08% | 30.83% | 90.93% | — |
Compare FPAY vs Peers
FlexShopper, Inc. (FPAY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FPAY SEC Filings & Documents
FlexShopper, Inc. (FPAY) SEC filings — annual & quarterly reports (10-K, 10-Q)
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FPAY Frequently Asked Questions
FlexShopper, Inc. (FPAY) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is FlexShopper, Inc.'s revenue?
FlexShopper, Inc. (FPAY) reported $139.8M in revenue for fiscal year 2024. This represents a 24917% increase from $0.6M in 2006.
How fast is FlexShopper, Inc. growing?
FlexShopper, Inc. (FPAY) grew revenue by 19.5% over the past year. This is strong growth.
Is FPAY profitable?
FlexShopper, Inc. (FPAY) reported a net loss of $1.4M for fiscal year 2024.
Dividend & Returns
What is FPAY's return on equity?
FlexShopper, Inc. (FPAY) has a return on equity (ROE) of -0.6%. Negative ROE indicates the company is unprofitable.
What is FlexShopper, Inc.'s free cash flow?
FlexShopper, Inc. (FPAY) had negative free cash flow of $42.6M in fiscal year 2024, likely due to heavy capital investments.