FlexShopper, Inc. (FPAY) Financial Ratios
19 years of historical data (2006–2024) · Industrials · Rental & Leasing Services
EV/EBITDA
↑
4.72
↓-29% vs avg
5yr avg: 6.66
30Y Low0.5·High68.5
P/FCF
N/A
—
5yr avg: N/A
30Y Low10.2·High12.3
P/B Ratio
↓
0.00
↓-100% vs avg
5yr avg: 2.27
30Y Low0.4·High7.2
ROE
↑
-0.6%
↑-104% vs avg
5yr avg: 12.8%
30Y Low-141%·High58%
Debt/EBITDA
↑
5.04
+11% vs avg
5yr avg: 4.55
30Y Low0.2·High14.8
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
FPAY Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
FlexShopper, Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $2461 | $37M | $40M | $21M | $55M | $54M | $45M | $13M | $20M | $32M | $31M |
| Enterprise Value | $153M | $190M | $151M | $112M | $106M | $91M | $74M | $37M | $34M | $36M | $37M |
| P/E Ratio → | -0.00 | — | — | 2.10 | 65.46 | — | — | — | — | — | — |
| P/S Ratio | 0.00 | 0.26 | 0.34 | 0.18 | 0.44 | 0.53 | 0.50 | 0.16 | 0.30 | 0.67 | 1.51 |
| P/B Ratio | 0.00 | 1.11 | 1.37 | 0.67 | 3.38 | 4.84 | 4.49 | 0.41 | 1.00 | 1.65 | 5.07 |
| P/FCF | — | — | — | — | — | — | — | — | — | — | — |
| P/OCF | — | — | — | — | — | — | — | — | — | — | — |
P/E links to full P/E history page with 30-year chart
FPAY EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
FlexShopper, Inc.'s enterprise value stands at 4.7x EBITDA, 29% below its 5-year average of 6.7x. The Industrials sector median is 13.7x, placing the stock at a 66% discount on an enterprise-value basis.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.36 | 1.29 | 0.99 | 0.85 | 0.90 | 0.83 | 0.44 | 0.51 | 0.77 | 1.77 |
| EV / EBITDA | 4.72 | 5.86 | 9.10 | — | 10.38 | 1.30 | 0.79 | 0.57 | 0.49 | 0.74 | 19.98 |
| EV / EBIT | 6.71 | 8.33 | 11.04 | — | 10.81 | 14.12 | 14.43 | — | — | — | — |
| EV / FCF | — | — | — | — | — | — | — | — | — | — | — |
FPAY Profitability
Margins and return-on-capital ratios measuring operating efficiency
FlexShopper, Inc. earns an operating margin of 16.3%, above the Industrials sector average of 4.9%. Operating margins have expanded from -5.6% to 16.3% over the past 3 years, signaling improving operational efficiency. A negative ROE of -0.6% indicates the company is currently destroying shareholder equity. ROIC of 10.5% represents solid returns on invested capital versus a sector median of 6.3%.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 97.6% | 97.6% | 89.3% | 97.0% | 36.9% | 34.6% | 32.2% | 50.4% | 51.6% | 50.8% | 46.5% |
| Operating Margin | 16.3% | 16.3% | 11.7% | -5.6% | 5.9% | 4.5% | 5.7% | -6.1% | -9.2% | -21.7% | -41.1% |
| Net Profit Margin | -0.1% | -0.1% | -3.6% | 12.1% | 2.6% | -0.3% | 0.7% | -11.2% | -12.4% | -25.8% | -42.5% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -0.6% | -0.6% | -14.0% | 57.8% | 24.0% | -3.2% | 2.7% | -36.0% | -42.3% | -96.3% | -140.7% |
| ROA | -0.1% | -0.1% | -2.8% | 11.7% | 4.3% | -0.6% | 1.1% | -22.9% | -26.4% | -52.6% | -67.7% |
| ROIC | 10.5% | 10.5% | 7.8% | -5.0% | 9.5% | 7.9% | 8.0% | -8.6% | -15.9% | -43.6% | -79.6% |
| ROCE | 13.8% | 13.8% | 9.8% | -6.1% | 11.9% | 9.7% | 15.2% | -30.9% | -34.5% | -52.1% | -79.8% |
FPAY Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
FlexShopper, Inc. carries a Debt/EBITDA ratio of 5.0x, which is highly leveraged (57% above the sector average of 3.2x). Net debt stands at $153M ($163M total debt minus $10M cash). Interest coverage of just 1.0x is concerning — the company has limited headroom to absorb earnings volatility before struggling with debt service.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | 4.93 | 4.93 | 3.95 | 3.15 | 3.52 | 4.12 | 3.59 | 0.93 | 0.93 | 0.53 | 1.42 |
| Debt / EBITDA | 5.04 | 5.04 | 6.96 | — | 5.55 | 0.65 | 0.38 | 0.46 | 0.27 | 0.21 | 4.79 |
| Net Debt / Equity | — | 4.61 | 3.80 | 2.95 | 3.20 | 3.36 | 2.90 | 0.74 | 0.69 | 0.25 | 0.87 |
| Net Debt / EBITDA | 4.72 | 4.72 | 6.69 | — | 5.05 | 0.53 | 0.31 | 0.36 | 0.20 | 0.10 | 2.94 |
| Debt / FCF | — | — | — | — | — | — | — | — | — | — | — |
| Interest Coverage | 1.03 | 1.03 | 0.72 | -0.39 | 1.15 | 1.50 | 1.18 | — | — | — | -8.05 |
FPAY Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
FlexShopper, Inc.'s current ratio of 7.10x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has declined from 8.97x to 7.10x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 7.10 | 7.10 | 9.68 | 8.97 | 6.11 | 3.65 | 6.21 | 1.73 | 1.35 | 5.93 | 6.18 |
| Quick Ratio | 7.10 | 7.10 | 7.28 | 6.39 | 2.86 | 1.14 | 2.09 | 0.49 | 0.42 | 1.78 | 1.74 |
| Cash Ratio | 0.43 | 0.43 | 0.36 | 0.49 | 0.40 | 0.50 | 0.91 | 0.24 | 0.22 | 1.21 | 1.35 |
| Asset Turnover | — | 0.67 | 0.75 | 0.76 | 1.48 | 1.50 | 1.70 | 1.74 | 1.97 | 1.63 | 1.18 |
| Inventory Turnover | — | — | 0.43 | 0.11 | 1.93 | 1.56 | 1.94 | 1.30 | 1.52 | 1.26 | 0.99 |
| Days Sales Outstanding | — | 188.48 | 251.47 | 221.06 | 74.13 | 35.87 | 34.01 | 27.47 | 23.19 | 16.74 | 13.28 |
FPAY Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
FlexShopper, Inc. returns 100.0% to shareholders annually primarily through share buybacks.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | 47.6% | 1.5% | — | — | — | — | — | — |
| FCF Yield | — | — | — | — | — | — | — | — | — | — | — |
| Buyback Yield | 100.0% | 1.1% | 0.4% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 100.0% | 1.1% | 0.4% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Shares Outstanding | — | $22M | $24M | $22M | $23M | $21M | $18M | $18M | $5M | $5M | $5M |
Peer Comparison
Compare FPAY with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 FPAYYou | $2461 | -0.0 | 4.7 | — | 97.6% | 16.3% | -0.6% | 10.5% | 5.0 |
 UPBD | $1B | 15.0 | 10.3 | 4.6 | 34.4% | 4.8% | 11.1% | 7.3% | 6.7 |
 PRAA | $738M | -2.5 | 1.5 | — | 99.2% | 33.9% | -27.3% | 11.2% | 0.1 |
 WRLD | $754M | 9.2 | 7.5 | 3.0 | 70.0% | 28.1% | 20.8% | 12.1% | 3.1 |
 AFRM | $21B | 426.7 | 201.9 | 35.4 | 67.5% | -2.7% | 1.8% | -0.7% | 57.0 |
 SEZL | $3B | 25.9 | 18.6 | 15.5 | 85.4% | 39.3% | 103.3% | 52.7% | 0.8 |
 LPRO | $225M | -53.2 | 16.2 | — | 75.5% | 6.4% | -5.5% | 2.3% | 10.5 |
 CACC | $6B | 14.2 | 10.1 | 5.3 | 98.7% | 47.6% | 25.9% | 10.4% | 5.6 |
 OMF | $7B | 8.6 | 22.0 | 2.1 | 47.6% | 16.0% | 23.8% | 3.0% | 17.6 |
 ENVA | $4B | 15.1 | 11.3 | 2.5 | 50.1% | 23.5% | 24.3% | 10.4% | 5.8 |
 PYPL | $40B | 8.4 | 6.0 | 7.2 | 46.6% | 18.3% | 25.7% | 15.0% | 1.4 |
| Industrials Median | — | 25.5 | 13.7 | 20.5 | 32.7% | 4.9% | 8.2% | 6.3% | 3.2 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 19 years · Updated daily
See FPAY's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs FPAY Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare FPAY vs UPBD
Side-by-side business, growth, and profitability comparison vs Upbound Group, Inc..
Start ComparisonFPAY — Frequently Asked Questions
Quick answers to the most common questions about buying FPAY stock.
What is FlexShopper, Inc.'s P/E ratio?
FlexShopper, Inc.'s current P/E ratio is -0.0x. The historical average is 40.6x.
What is FlexShopper, Inc.'s EV/EBITDA?
FlexShopper, Inc.'s current EV/EBITDA is 4.7x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 13.1x.
What is FlexShopper, Inc.'s ROE?
FlexShopper, Inc.'s return on equity (ROE) is -0.6%. The historical average is -23.0%.
Is FPAY stock overvalued?
Based on historical data, FlexShopper, Inc. is trading at a P/E of -0.0x. Compare with industry peers and growth rates for a complete picture.
What are FlexShopper, Inc.'s profit margins?
FlexShopper, Inc. has 97.6% gross margin and 16.3% operating margin. Operating margin between 10-20% is typical for established companies.
How much debt does FlexShopper, Inc. have?
FlexShopper, Inc.'s Debt/EBITDA ratio is 5.0x, indicating high leverage. A ratio above 4x may signal elevated financial risk.