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FlexShopper, Inc.(FPAY)Earnings, Financials & Key Ratios
FPAY•NASDAQ
$0.00
$2461 mkt cap·Price updated Apr 24, 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%
- ROIC10.47%+34.1%
- Debt/Equity4.93+24.6%
- Interest Coverage1.03+42.2%
FPAY Key Insights
FlexShopper, Inc. (FPAY) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓High quality earnings: Operating CF exceeds net income
- ✓Share count reduced 10.1% through buybacks
- ✓Trading at only 0.0x book value
✗Weaknesses
- ✗High debt to equity ratio of 4.9x
- ✗Weak Piotroski F-Score: 3/9
- ✗Negative free cash flow
- ✗Weak momentum: RS Rating 5 (bottom 5%)
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
FPAY Price & Volume
FlexShopper, Inc. (FPAY) stock price & volume — 10-year historical chart
Loading chart...
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%
FPAY Peer Comparison
FlexShopper, Inc. (FPAY) competitors in Consumer and workplace rental services — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 UPBD | 1.1B | 19.01 | 15.21 | 8.67% | 1.78% | 12.1% | 2.67 | |
 PRAA | 818.67M | 21.29 | -2.73 | 10.36% | -25.96% | 0.03 | ||
 WRLD | 751.13M | 149.09 | 9.15 | -1.46% | 10.79% | 1.20 | ||
 AFRM | 21.85B | 65.58 | 437.20 | 38.8% | 7.6% | 8.83% | 2.56 | |
 SEZL | 2.91B | 86.02 | 23.12 | 66.08% | 90.93% | 0.83 | ||
 LPRO | 202.15M | 1.71 | -47.90 | 288.02% | -5.53% | 1.17 | ||
 CACC | 5.63B | 539.93 | 14.38 | 8.57% | 29.39% | 4.17 | ||
 OMF | 6.55B | 55.90 | 8.52 | 9.09% | 23.62% | 6.67 |
Compare FPAY vs Peers
FlexShopper, Inc. (FPAY) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
FPAY Income Statement
FlexShopper, Inc. (FPAY) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 |
|---|---|---|---|---|---|---|---|---|---|
| Sales/Revenue | 47.58M | 67.05M | 84.73M | 88.79M | 102.08M | 125.43M | 113.06M | 116.98M | 139.8M |
| Revenue Growth % | 130.07% | 40.91% | 26.37% | 4.79% | 14.97% | 22.87% | -9.86% | 3.47% | 19.51% |
| Cost of Goods Sold | 23.42M | 32.45M | 42.06M | 60.22M | 66.73M | 79.18M | 3.38M | 12.5M | 3.38M |
| COGS % of Revenue | 49.23% | 48.4% | 49.64% | 67.83% | 65.37% | 63.13% | 2.99% | 10.69% | 2.42% |
| Gross Profit | 24.16M▲ 0% | 34.59M▲ 43.2% | 42.67M▲ 23.3% | 28.57M▼ 33.0% | 35.35M▲ 23.7% | 46.25M▲ 30.8% | 109.67M▲ 137.1% | 104.48M▼ 4.7% | 136.42M▲ 30.6% |
| Gross Margin % | 50.77% | 51.6% | 50.36% | 32.17% | 34.63% | 36.87% | 97.01% | 89.31% | 97.58% |
| Gross Profit Growth % | 151.31% | 43.21% | 23.33% | -33.04% | 23.75% | 30.83% | 137.13% | -4.74% | 30.57% |
| Operating Expenses | 34.49M | 40.76M | 46.53M | 23.46M | 30.73M | 38.88M | 115.98M | 90.79M | 113.64M |
| OpEx % of Revenue | 72.48% | 60.79% | 54.91% | 26.43% | 30.1% | 31% | 102.58% | 77.61% | 81.29% |
| Selling, General & Admin | 16.14M | 13.96M | 18.19M | 12.12M | 16.32M | 20.62M | 22.02M | 20.12M | 36.96M |
| SG&A % of Revenue | 33.92% | 20.82% | 21.46% | 13.65% | 15.99% | 16.44% | 19.48% | 17.2% | 26.44% |
| Research & Development | 0 | 0 | 0 | 105.58K | 0 | 0 | 0 | 0 | 0 |
| R&D % of Revenue | 0% | 0% | 0% | 0.12% | - | - | - | - | - |
| Other Operating Expenses | 18.35M | 23.54M | 28.34M | 11.24M | 14.4M | 18.27M | 93.95M | 70.67M | 76.68M |
| Operating Income | -10.33M▲ 0% | -6.16M▲ 40.3% | -5.18M▲ 16.0% | 5.1M▲ 198.6% | 4.63M▼ 9.4% | 7.36M▲ 59.2% | -6.3M▼ 185.6% | 13.69M▲ 317.2% | 22.78M▲ 66.4% |
| Operating Margin % | -21.71% | -9.19% | -6.11% | 5.75% | 4.53% | 5.87% | -5.58% | 11.7% | 16.29% |
| Operating Income Growth % | -21.64% | 40.34% | 15.97% | 198.57% | -9.38% | 59.21% | -185.59% | 317.2% | 66.38% |
| EBITDA | 49.5M | 69.21M | 65.65M | 93.1M | 70.21M | 10.24M | -1.53M | 16.61M | 32.39M |
| EBITDA Margin % | 104.05% | 103.23% | 77.48% | 104.85% | 68.77% | 8.16% | -1.36% | 14.2% | 23.17% |
| EBITDA Growth % | 2597.96% | 39.81% | -5.16% | 41.82% | -24.59% | -85.41% | -114.98% | 1183.07% | 94.98% |
| D&A (Non-Cash Add-back) | 59.83M | 75.38M | 70.82M | 88M | 65.58M | 2.88M | 4.77M | 2.92M | 9.61M |
| EBIT | -10.33M | -6.16M | -5.18M | 5.1M | 6.48M | 9.84M | -4.39M | 13.69M | 22.78M |
| Net Interest Income | 0 | 0 | 0 | -6.15M | -6.18M | -5.75M | -11.16M | -18.91M | -25.2M |
| Interest Income | 0 | 0 | 0 | 4.31M | 4.3M | 5.75M | 0 | 0 | 0 |
| Interest Expense | 0 | 0 | 0 | 4.31M | 4.3M | 8.57M | 11.16M | 18.91M | -22.14M |
| Other Income/Expense | -1.93M | -2.17M | -4.28M | -4.31M | -4.3M | -3.31M | 3.3M | -18.91M | -22.14M |
| Pretax Income | -12.25M▲ 0% | -8.33M▲ 32.0% | -9.46M▼ 13.6% | 793.82K▲ 108.4% | 323.15K▼ 59.3% | 4.06M▲ 1155.8% | -3M▼ 174.0% | -5.22M▼ 73.9% | 642.08K▲ 112.3% |
| Pretax Margin % | -25.75% | -12.43% | -11.17% | 0.89% | 0.32% | 3.24% | -2.66% | -4.47% | 0.46% |
| Income Tax | 0 | 0 | 0 | 216.4K | 663.05K | 785.31K | -16.64M | -989.81K | 821.35K |
| Effective Tax Rate % | 0% | 0% | 0% | 27.26% | 205.18% | 19.35% | 553.89% | 18.95% | 127.92% |
| Net Income | -12.25M▲ 0% | -8.33M▲ 32.0% | -9.46M▼ 13.6% | 577.41K▲ 106.1% | -339.9K▼ 158.9% | 3.27M▲ 1062.9% | 13.63M▲ 316.5% | -4.23M▼ 131.1% | -179.27K▲ 95.8% |
| Net Margin % | -25.75% | -12.43% | -11.17% | 0.65% | -0.33% | 2.61% | 12.06% | -3.62% | -0.13% |
| Net Income Growth % | -39.39% | 32.01% | -13.57% | 106.1% | -158.87% | 1062.88% | 316.52% | -131.06% | 95.77% |
| Net Income (Continuing) | -12.25M | -8.33M | -9.46M | 577.41K | -339.9K | 3.27M | 13.63M | -4.23M | -179.27K |
| Discontinued Operations | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Minority Interest | 4.74M | 13.82M | 23.95M | 28.92M | 0 | 51.72M | 91.57M | 0 | 0 |
| EPS (Diluted) | -2.32▲ 0% | -1.57▲ 32.3% | -0.54▲ 65.6% | -0.11▲ 79.6% | -0.17▼ 54.5% | 0.04▲ 121.1% | 0.44▲ 1125.6% | -0.35▼ 179.5% | -0.22▲ 37.1% |
| EPS Growth % | -37.28% | 32.33% | 65.61% | 79.63% | -54.55% | 121.12% | 1125.63% | -179.55% | 37.14% |
| EPS (Basic) | -2.33 | -1.57 | -0.54 | -0.11 | -0.17 | 0.04 | 0.45 | -0.35 | -0.22 |
| Diluted Shares Outstanding | 5.29M | 5.29M | 17.65M | 17.67M | 21M | 23.23M | 22.43M | 23.96M | 21.53M |
| Basic Shares Outstanding | 5.25M | 5.29M | 17.62M | 17.67M | 21M | 21.39M | 21.65M | 23.96M | 21.53M |
| Dividend Payout Ratio | - | - | - | - | - | - | - | - | - |
FPAY Balance Sheet
FlexShopper, Inc. (FPAY) balance sheet — assets, liabilities & shareholders' equity
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 |
|---|---|---|---|---|---|---|---|---|---|
| Total Current Assets | 26.53M | 30.96M | 45.2M | 46.88M | 62.27M | 76.89M | 109.69M | 117.43M | 170.72M |
| Cash & Short-Term Investments | 5.41M | 4.97M | 6.14M | 6.87M | 8.54M | 4.99M | 6.05M | 4.41M | 10.4M |
| Cash Only | 5.41M | 4.97M | 6.14M | 6.87M | 8.54M | 5.09M | 6.05M | 4.41M | 10.4M |
| Short-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivable | 2.18M | 4.26M | 6.38M | 8.27M | 10.03M | 25.47M | 68.47M | 80.59M | 72.19M |
| Days Sales Outstanding | 16.74 | 23.19 | 27.47 | 34.01 | 35.87 | 74.13 | 221.06 | 251.47 | 188.48 |
| Inventory | 18.57M | 21.42M | 32.36M | 31.06M | 42.82M | 40.94M | 31.55M | 29.13M | 0 |
| Days Inventory Outstanding | 289.39 | 240.87 | 280.85 | 188.27 | 234.22 | 188.74 | 3.4K | 850.7 | - |
| Other Current Assets | 0 | 0 | 0 | 0 | 0 | 3.67M | 121.64K | 3.3M | 88.12M |
| Total Non-Current Assets | 2.63M | 3.04M | 3.43M | 5.34M | 5.98M | 7.92M | 38.6M | 39.06M | 38.79M |
| Property, Plant & Equipment | 2.54M | 2.95M | 3.34M | 5.26M | 5.91M | 7.84M | 9.49M | 10.55M | 10.73M |
| Fixed Asset Turnover | 18.73x | 22.74x | 25.39x | 16.88x | 17.27x | 16.00x | 11.91x | 11.09x | 13.02x |
| Goodwill | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Intangible Assets | 20.34K | 0 | 0 | 0 | 0 | 4.96K | 15.16M | 13.39M | 12.26M |
| Long-Term Investments | 68.25K | 0 | 0 | 0 | 0 | -4.96K | 0 | -3.3M | 0 |
| Other Non-Current Assets | 68.25K | -33.91M | -48.54M | -52.14M | 72.32K | -417.59K | 1.93M | 5.48M | 2.59M |
| Total Assets | 29.16M▲ 0% | 34.01M▲ 16.6% | 48.63M▲ 43.0% | 52.21M▲ 7.4% | 68.25M▲ 30.7% | 84.81M▲ 24.3% | 148.29M▲ 74.8% | 156.49M▲ 5.5% | 209.51M▲ 33.9% |
| Asset Turnover | 1.63x | 1.97x | 1.74x | 1.70x | 1.50x | 1.48x | 0.76x | 0.75x | 0.67x |
| Asset Growth % | 66.82% | 16.65% | 42.98% | 7.38% | 30.71% | 24.27% | 74.84% | 5.53% | 33.88% |
| Total Current Liabilities | 4.47M | 22.99M | 26.11M | 7.55M | 17.07M | 12.59M | 12.23M | 12.13M | 24.03M |
| Accounts Payable | 3.92M | 7.7M | 8.32M | 4.57M | 7.91M | 7.98M | 6.51M | 7.14M | 5.59M |
| Days Payables Outstanding | 61.05 | 86.63 | 72.17 | 27.69 | 43.25 | 36.8 | 702.38 | 208.5 | 602.99 |
| Short-Term Debt | 0 | 14.09M | 16.07M | 1.07M | 6M | 1.05M | 1.21M | 198.62K | 11.02M |
| Deferred Revenue (Current) | -10.16M | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Other Current Liabilities | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -287.28K |
| Current Ratio | 5.93x | 1.35x | 1.73x | 6.21x | 3.65x | 6.11x | 8.97x | 9.68x | 7.10x |
| Quick Ratio | 1.78x | 0.42x | 0.49x | 2.09x | 1.14x | 2.86x | 6.39x | 7.28x | 7.10x |
| Cash Conversion Cycle | 245.07 | 177.43 | 236.14 | 194.59 | 226.84 | 226.07 | 2.92K | 893.67 | - |
| Total Non-Current Liabilities | 10.16M | 4.7M | 14.02M | 34.7M | 40.03M | 56.08M | 105.03M | 115.13M | 152.33M |
| Long-Term Debt | 10.16M | 4.7M | 14.02M | 32.63M | 37.88M | 53.81M | 94.76M | 113.8M | 151.29M |
| Capital Lease Obligations | 0 | 0 | 0 | 2.07M | 1.95M | 1.77M | 1.57M | 1.32M | 1.03M |
| Deferred Tax Liabilities | -7.04M | -18.46M | -27.62M | 0 | 0 | 495.17K | 0 | 0 | 0 |
| Other Non-Current Liabilities | 0 | 0 | 0 | 0 | 204.44K | 50.56M | 8.7M | 0 | 0 |
| Total Liabilities | 14.63M | 27.68M | 40.13M | 42.25M | 57.1M | 68.67M | 117.25M | 127.26M | 176.36M |
| Total Debt | 10.16M | 18.79M | 30.09M | 35.79M | 45.98M | 56.81M | 97.74M | 115.57M | 163.34M |
| Net Debt | 4.74M | 13.82M | 23.95M | 28.92M | 37.44M | 51.72M | 91.69M | 111.16M | 152.94M |
| Debt / Equity | 0.53x | 0.93x | 0.93x | 3.59x | 4.12x | 3.52x | 3.15x | 3.95x | 4.93x |
| Debt / EBITDA | 0.21x | 0.27x | 0.46x | 0.38x | 0.65x | 5.55x | - | 6.96x | 5.04x |
| Net Debt / EBITDA | 0.10x | 0.20x | 0.36x | 0.31x | 0.53x | 5.05x | - | 6.69x | 4.72x |
| Interest Coverage | - | - | - | 1.18x | 1.51x | 1.15x | -0.39x | 0.72x | 1.03x |
| Total Equity | 19.27M▲ 0% | 20.15M▲ 4.6% | 32.44M▲ 61.0% | 9.97M▼ 69.3% | 11.15M▲ 11.9% | 16.14M▲ 44.7% | 31.03M▲ 92.2% | 29.23M▼ 5.8% | 33.15M▲ 13.4% |
| Equity Growth % | 212.42% | 4.55% | 61.01% | -69.27% | 11.9% | 44.73% | 92.24% | -5.81% | 13.41% |
| Book Value per Share | 3.64 | 3.81 | 1.84 | 0.56 | 0.53 | 0.70 | 1.38 | 1.22 | 1.54 |
| Total Shareholders' Equity | 14.53M | 6.32M | 8.49M | 9.97M | 11.15M | 16.14M | 31.03M | 29.23M | 33.15M |
| Common Stock | 529 | 529 | 1.76K | 1.78K | 2.14K | 2.14K | 2.18K | 2.18K | 2.52K |
| Retained Earnings | -30.94M | -39.27M | -48.73M | -48.16M | -48.5M | -45.22M | -31.59M | -35.82M | -36M |
| Treasury Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -166.76K | -564K |
| Accumulated OCI | -2.11M | -3.73M | -5.62M | -7.44M | 0 | 16.14M | 0 | 0 | 0 |
| Minority Interest | 4.74M | 13.82M | 23.95M | 28.92M | 0 | 51.72M | 91.57M | 0 | 0 |
FPAY Cash Flow Statement
FlexShopper, Inc. (FPAY) cash flow — operating, investing & free cash flow history
| Line item | Dec'16 | Dec'17 | Dec'18 | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 |
|---|---|---|---|---|---|---|---|---|---|
| Cash from Operations | -17.37M | -6.6M | -18.16M | -469.46K | -5.21M | -11.26M | -31.24M | -6.66M | -34.95M |
| Operating CF Margin % | -36.51% | -9.84% | -21.43% | -0.53% | -5.1% | -8.97% | -27.63% | -5.7% | -25% |
| Operating CF Growth % | -22.72% | 62.02% | -175.2% | 97.41% | -1009.26% | -116.15% | -177.51% | 78.66% | -424.36% |
| Net Income | -12.25M | -8.33M | -9.46M | 577.41K | -339.9K | 3.27M | 13.63M | -4.23M | -179.27K |
| Depreciation & Amortization | 24.3M | 33.54M | 43.05M | 60.78M | 63.31M | 76.49M | 77.33M | 7.88M | 10.77M |
| Stock-Based Compensation | 136.31K | 113.95K | 133.43K | 723.39K | 1.39M | 1.65M | 997.83K | 1.68M | 888.38K |
| Deferred Taxes | -9.45M | -12.32M | 23.37M | 34.84M | -31.93M | 495.17K | -17.28M | -929.53K | 0 |
| Other Non-Cash Items | 22.73M | 31.45M | 313.31K | 243.62K | 2.59M | 38.79M | 61.74M | 85.71M | 73.66M |
| Working Capital Changes | -42.84M | -51.06M | -75.56M | -97.63M | -40.22M | -131.95M | -167.65M | -96.77M | -120.08M |
| Change in Receivables | -14.71M | -21.21M | -25.36M | -36.73M | 30.17M | -60.36M | -101.92M | -44.4M | -63.22M |
| Change in Inventory | -30.1M | -34.3M | -51.59M | -56.95M | -75.07M | -71.74M | -63.16M | -53.87M | -56.86M |
| Change in Payables | 2.13M | 3.78M | 827.72K | -3.81M | 3.34M | 74.56K | -1.98M | 627.9K | -1.55M |
| Cash from Investing | -1.86M | -2.02M | -2.28M | -2.24M | -3.1M | -4.95M | -5.2M | -7.56M | -9.15M |
| Capital Expenditures | -1.86M | -2.02M | -2.28M | -2.24M | -3.1M | -4.95M | -6.5M | -6.34M | -6.73M |
| CapEx % of Revenue | 3.9% | 3.02% | 2.7% | 2.52% | 3.03% | 3.95% | 5.75% | 5.42% | 4.81% |
| Acquisitions | 0 | 0 | 0 | 0 | 0 | 0 | 2.94M | 0 | 0 |
| Investments | - | - | - | - | - | - | - | - | - |
| Other Investing | -1.77M | -1.89M | -2.27M | 0 | 0 | 0 | -1.64M | -1.23M | -2.42M |
| Cash from Financing | 21.24M | 8.18M | 21.62M | 3.44M | 9.98M | 12.76M | 37.52M | 12.47M | 50.09M |
| Debt Issued (Net) | 768.64K | 8.16M | 12.86M | 3.51M | 9.91M | 13.26M | 37.7M | 12.75M | 46.88M |
| Equity Issued (Net) | 20.43M | 0 | 0 | 0 | 136.91K | 68.17K | 261.5K | -166.76K | 3.31M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | 0 | 0 | 0 | 0 | 0 | 0 | 0 | -166.76K | -397.23K |
| Other Financing | 42.5K | 15K | 8.76M | -68.96K | -64.39K | -565.27K | -450.01K | -114.22K | -103.49K |
| Net Change in Cash | 2.02M▲ 0% | -443.58K▼ 122.0% | 1.17M▲ 364.3% | 727.26K▼ 38.0% | 1.67M▲ 130.0% | -3.45M▼ 306.0% | 1.08M▲ 131.3% | -1.76M▼ 263.2% | 5.99M▲ 440.3% |
| Free Cash Flow | -19.23M▲ 0% | -8.62M▲ 55.2% | -20.45M▼ 137.2% | -2.71M▲ 86.7% | -8.31M▼ 206.4% | -16.21M▼ 95.1% | -37.74M▼ 132.9% | -13M▲ 65.5% | -43.45M▼ 234.3% |
| FCF Margin % | -40.41% | -12.86% | -24.13% | -3.05% | -8.14% | -12.92% | -33.38% | -11.11% | -31.08% |
| FCF Growth % | -24.17% | 55.17% | -137.17% | 86.74% | -206.41% | -95.11% | -132.85% | 65.55% | -234.27% |
| FCF per Share | -3.64 | -1.63 | -1.16 | -0.15 | -0.40 | -0.70 | -1.68 | -0.54 | -2.02 |
| FCF Conversion (FCF/Net Income) | 1.42x | 0.79x | 1.92x | -0.81x | 15.32x | -3.44x | -2.29x | 1.57x | 194.94x |
| Interest Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Taxes Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
FPAY Key Ratios
FlexShopper, Inc. (FPAY) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2015 | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|---|---|---|---|
| Return on Equity (ROE) | -140.66% | -96.34% | -42.27% | -35.98% | 2.72% | -3.22% | 23.98% | 57.79% | -14.05% | -0.57% |
| Return on Invested Capital (ROIC) | -79.56% | -43.55% | -15.94% | -8.6% | 8.04% | 7.93% | 9.49% | -4.96% | 7.8% | 10.47% |
| Gross Margin | 46.48% | 50.77% | 51.6% | 50.36% | 32.17% | 34.63% | 36.87% | 97.01% | 89.31% | 97.58% |
| Net Margin | -42.51% | -25.75% | -12.43% | -11.17% | 0.65% | -0.33% | 2.61% | 12.06% | -3.62% | -0.13% |
| Debt / Equity | 1.42x | 0.53x | 0.93x | 0.93x | 3.59x | 4.12x | 3.52x | 3.15x | 3.95x | 4.93x |
| Interest Coverage | -8.05x | - | - | - | 1.18x | 1.51x | 1.15x | -0.39x | 0.72x | 1.03x |
| FCF Conversion | 1.61x | 1.42x | 0.79x | 1.92x | -0.81x | 15.32x | -3.44x | -2.29x | 1.57x | 194.94x |
| Revenue Growth | 312.4% | 130.07% | 40.91% | 26.37% | 4.79% | 14.97% | 22.87% | -9.86% | 3.47% | 19.51% |
FPAY SEC Filings & Documents
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Growth & Financials
FlexShopper, Inc. (FPAY) reported $139.8M in revenue for fiscal year 2024. This represents a 24917% increase from $0.6M in 2006.
FlexShopper, Inc. (FPAY) grew revenue by 19.5% over the past year. This is strong growth.
FlexShopper, Inc. (FPAY) reported a net loss of $1.4M for fiscal year 2024.
Dividend & Returns
FlexShopper, Inc. (FPAY) has a return on equity (ROE) of -0.6%. Negative ROE indicates the company is unprofitable.
FlexShopper, Inc. (FPAY) had negative free cash flow of $42.6M in fiscal year 2024, likely due to heavy capital investments.
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