FlexShopper, Inc.
FlexShopper, Inc. Fundamental Analysis
FlexShopper, Inc. (FPAY) shows moderate financial fundamentals with a PE ratio of 0.00, profit margin of 0.63%, and ROE of 1.48%. The company generates $0.1B in annual revenue with strong year-over-year growth of 19.51%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 29.9/100 based on profitability, valuation, growth, and balance sheet metrics. The F grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze FPAY's fundamental strength across five key dimensions:
Efficiency Score
WeakFPAY struggles to generate sufficient returns from assets.
Valuation Score
ExcellentFPAY trades at attractive valuation levels.
Growth Score
ExcellentFPAY delivers strong and consistent growth momentum.
Financial Health Score
ModerateFPAY shows balanced financial health with some risks.
Profitability Score
WeakFPAY struggles to sustain strong margins.
Key Financial Metrics
Is FPAY Expensive or Cheap?
P/E Ratio
FPAY trades at 0.00 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, FPAY's PEG of -0.00 indicates potential undervaluation.
Price to Book
The market values FlexShopper, Inc. at 0.00 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at -5.77 times EBITDA. This is generally considered low.
How Well Does FPAY Make Money?
Net Profit Margin
For every $100 in sales, FlexShopper, Inc. keeps $0.63 as profit after all expenses.
Operating Margin
Core operations generate 20.73 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $1.48 in profit for every $100 of shareholder equity.
ROA
FlexShopper, Inc. generates $0.22 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
FlexShopper, Inc. generates limited operating cash flow of $-19.05M, signaling weaker underlying cash strength.
Free Cash Flow
FlexShopper, Inc. generates weak or negative free cash flow of $-23.01M, restricting financial flexibility.
FCF Per Share
Each share generates $-1.07 in free cash annually.
FCF Yield
FPAY converts -10688.79% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
0.005
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-0.00
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.00
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.00
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
4.93
vs 25 benchmark
Current Ratio
Current assets to current liabilities
7.10
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.01
vs 25 benchmark
ROA
Return on assets percentage
0.002
vs 25 benchmark
ROCE
Return on capital employed
0.08
vs 25 benchmark
How FPAY Stacks Against Its Sector Peers
| Metric | FPAY Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 0.00 | 26.76 | Better (Cheaper) |
| ROE | 1.48% | 1300.00% | Weak |
| Net Margin | 0.63% | -29570.00% (disorted) | Weak |
| Debt/Equity | 4.93 | 0.79 | Weak (High Leverage) |
| Current Ratio | 7.10 | 10.68 | Strong Liquidity |
| ROA | 0.22% | -1545134.00% (disorted) | Weak |
FPAY outperforms its industry in 2 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews FlexShopper, Inc.'s 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
29.21%
Industry Style: Cyclical, Value, Infrastructure
High GrowthEPS CAGR
-125.48%
Industry Style: Cyclical, Value, Infrastructure
DecliningFCF CAGR
-6008.73%
Industry Style: Cyclical, Value, Infrastructure
Declining