Ravi Radhakrishnan - FlexShopper Chief Risk Officer

FPAY Stock  USD 1.03  0.01  0.96%   

Executive

Mr. Ravi Radhakrishnan is Chief Risk Officer of the company. He was most recently Head of Underwriting Valuations and Senior Vice President of Consumer Card Services at Bank of America where he managed various facets of decisioning, risk strategy and underwriting across a90Bcredit card asset portfolio. since 2016.
Age 44
Tenure 8 years
Address 901 Yamato Road, Boca Raton, FL, United States, 33431
Phone855 353 9289
Webhttps://www.flexshopper.com

FlexShopper Management Efficiency

The company has return on total asset (ROA) of 0.0657 % which means that it generated a profit of $0.0657 on every $100 spent on assets. This is way below average. Similarly, it shows a return on stockholder's equity (ROE) of (0.1405) %, meaning that it created substantial loss on money invested by shareholders. FlexShopper's management efficiency ratios could be used to measure how well FlexShopper manages its routine affairs as well as how well it operates its assets and liabilities. Return On Capital Employed is likely to rise to 0.11 in 2024, whereas Return On Tangible Assets are likely to drop (0.03) in 2024. At this time, FlexShopper's Total Assets are fairly stable compared to the past year. Non Current Assets Total is likely to rise to about 41 M in 2024, despite the fact that Other Current Assets are likely to grow to (108.4 M).
The company currently holds 108.25 M in liabilities with Debt to Equity (D/E) ratio of 3.94, implying the company greatly relies on financing operations through barrowing. FlexShopper has a current ratio of 10.43, suggesting that it is liquid enough and is able to pay its financial obligations when due. Debt can assist FlexShopper until it has trouble settling it off, either with new capital or with free cash flow. So, FlexShopper's shareholders could walk away with nothing if the company can't fulfill its legal obligations to repay debt. However, a more frequent occurrence is when companies like FlexShopper sell additional shares at bargain prices, diluting existing shareholders. Debt, in this case, can be an excellent and much better tool for FlexShopper to invest in growth at high rates of return. When we think about FlexShopper's use of debt, we should always consider it together with cash and equity.

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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 basis. FlexShopper, Inc. was founded in 2003 and is headquartered in Boca Raton, Florida. Flexshopper operates under Rental Leasing Services classification in the United States and is traded on NASDAQ Exchange. It employs 137 people. FlexShopper (FPAY) is traded on NASDAQ Exchange in USA. It is located in 901 Yamato Road, Boca Raton, FL, United States, 33431 and employs 204 people. FlexShopper is listed under Specialized Finance category by Fama And French industry classification.

Management Performance

FlexShopper Leadership Team

Elected by the shareholders, the FlexShopper's board of directors comprises two types of representatives: FlexShopper inside directors who are chosen from within the company, and outside directors, selected externally and held independent of FlexShopper. The board's role is to monitor FlexShopper's management team and ensure that shareholders' interests are well served. FlexShopper's inside directors are responsible for reviewing and approving budgets prepared by upper management to implement core corporate initiatives and projects. On the other hand, FlexShopper's outside directors are responsible for providing unbiased perspectives on the board's policies.
Russell Heiser, CFO
Brad Bernstein, Co-Founder, CEO and President Secretary and Director
Carl Pradelli, Independent Director
Howard Dvorkin, Director
Scott King, Independent Director
Philip Gitler, Director
Heiser CFA, Chief Officer
Richard House, Chief Officer
Morry Rubin, Co-Founder and Chairman
Ravi Radhakrishnan, Chief Risk Officer
Daniel Ballen, Independent Director
James Allen, Director
John Davis, Chief Officer
Carlos Sanchez, Investor Officer
Katherine Verner, Independent Director
Frank Matasavage, Controller

FlexShopper Stock Performance Indicators

The ability to make a profit is the ultimate goal of any investor. But to identify the right stock is not an easy task. Is FlexShopper a good investment? Although profit is still the single most important financial element of any organization, multiple performance indicators can help investors identify the equity that they will appreciate over time.

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When determining whether FlexShopper offers a strong return on investment in its stock, a comprehensive analysis is essential. The process typically begins with a thorough review of FlexShopper's financial statements, including income statements, balance sheets, and cash flow statements, to assess its financial health. Key financial ratios are used to gauge profitability, efficiency, and growth potential of Flexshopper Stock. Outlined below are crucial reports that will aid in making a well-informed decision on Flexshopper Stock:
Check out Investing Opportunities to better understand how to build diversified portfolios, which includes a position in FlexShopper. Also, note that the market value of any company could be tightly coupled with the direction of predictive economic indicators such as signals in nation.
For more information on how to buy FlexShopper Stock please use our How to Invest in FlexShopper guide.
Note that the FlexShopper information on this page should be used as a complementary analysis to other FlexShopper's statistical models used to find the right mix of equity instruments to add to your existing portfolios or create a brand new portfolio. You can also try the Sectors module to list of equity sectors categorizing publicly traded companies based on their primary business activities.

Complementary Tools for FlexShopper Stock analysis

When running FlexShopper's price analysis, check to measure FlexShopper's market volatility, profitability, liquidity, solvency, efficiency, growth potential, financial leverage, and other vital indicators. We have many different tools that can be utilized to determine how healthy FlexShopper is operating at the current time. Most of FlexShopper's value examination focuses on studying past and present price action to predict the probability of FlexShopper's future price movements. You can analyze the entity against its peers and the financial market as a whole to determine factors that move FlexShopper's price. Additionally, you may evaluate how the addition of FlexShopper to your portfolios can decrease your overall portfolio volatility.
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Is FlexShopper's industry expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of FlexShopper. If investors know FlexShopper will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about FlexShopper listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Quarterly Earnings Growth
238.658
Earnings Share
(0.51)
Revenue Per Share
5.389
Quarterly Revenue Growth
0.414
Return On Assets
0.0657
The market value of FlexShopper is measured differently than its book value, which is the value of FlexShopper that is recorded on the company's balance sheet. Investors also form their own opinion of FlexShopper's value that differs from its market value or its book value, called intrinsic value, which is FlexShopper's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because FlexShopper's market value can be influenced by many factors that don't directly affect FlexShopper's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between FlexShopper's value and its price as these two are different measures arrived at by different means. Investors typically determine if FlexShopper is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, FlexShopper's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.