Flexshopper Stock Today

FPAY -  USA Stock  

USD 3.39  0.02  0.59%

Flexshopper is trading at 3.39 as of the 20th of September 2021; that is -0.59 percent decrease since the beginning of the trading day. The stock's open price was 3.41. Flexshopper has less than a 14 % chance of experiencing some financial distress in the next two years of operation, but did not have a good performance during the last 90 trading days. Equity ratings for Flexshopper are calculated daily based on our scoring framework. The performance scores are derived for the period starting the 21st of August 2021 and ending today, the 20th of September 2021. Click here to learn more.
 Market Performance
7 of 100
  Odds Of Distress
Less than 14

Flexshopper Stock Profile

The next fiscal quarter end is expected on the 30th of September 2021. FlexShopper, Inc., a financial and 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 based in Boca Raton, Florida. Flexshopper operates under Rental Leasing Services classification in the United States and is traded on NASDAQ Exchange. It employs 155 people. more on Flexshopper
Flexshopper has very high historical volatility over the last 90 days
Flexshopper was previously known as FlexShopper and was traded on NASDAQ Exchange under the symbol FPAYW.
The company reported the previous year's revenue of 110.03 M. Net Loss for the year was (2.83 M) with profit before overhead, payroll, taxes, and interest of 24.91 M.
Flexshopper currently holds about 6.32 M in cash with (6.33 M) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 0.29.
Flexshopper has a frail financial position based on the latest SEC disclosures
Roughly 29.0% of the company shares are held by company insiders
Latest headline from www.equities.com: FlexShopper rose 14.05 percent to Close at 3.17 on September 15 - Equities.com
Flexshopper Fama & French Business Services
Business Services
Fama & French Classification
Flexshopper SEC Filings
Flexshopper SEC Filings Security & Exchange Commission EDGAR Reports
Legal NameFlexshopper
Older SymbolFPAYW
CEOBrad Bernstein  (View All)
Average Analyst Recommendation
Analysts covering Flexshopper report their recommendations after researching Flexshopper's financial statements, talking to executives and customers, or listening in on Flexshopper's conference calls. The current trade recommendation is based on an ongoing consensus estimate among financial analysts covering Flexshopper. The Flexshopper consensus assessment is calculated by taking the average forecast from all of the analysts covering Flexshopper.
Strong Buy2 Opinions
Piotroski F Score
Piotroski F-Score is a popular financial indicator that puts together nine criteria to evaluate the financial strength of Flexshopper based on its profitability, leverage, liquidity, source of funds, and operating efficiency. it is an academic score (developed by Joseph Piotroski in 2002) to determine the current strength of Flexshopper financial position. Scores of 8 and 9 are usually classified as strong value stocks, whereas scores of 2 or below are considered weak value stocks.
 2 - FrailDetails
Current ValueLast YearChange From Last Year 10 Year Trend
Weighted Average Shares22.7 M21 M
Significantly Up
Increasing
Slightly volatile
Weighted Average Shares Diluted22.7 M21 M
Significantly Up
Increasing
Slightly volatile
Net Cash Flow from Operations(5.6 M)(5.2 M)
Significantly Down
Decreasing
Slightly volatile
Total Assets73.6 M68.2 M
Significantly Up
Increasing
Slightly volatile
Total Liabilities61.6 M57.1 M
Significantly Up
Increasing
Slightly volatile
Current Assets67.2 M62.3 M
Significantly Up
Increasing
Slightly volatile
Current Liabilities14.4 M17.1 M
Fairly Down
Increasing
Slightly volatile
Total Debt49.4 M45.8 M
Significantly Up
Increasing
Slightly volatile
Return on Average Assets(0.0679)(0.063)
Significantly Down
Decreasing
Stable
Gross Margin0.40.346
Fairly Up
Decreasing
Slightly volatile
Asset Turnover1.711.856
Significantly Down
Increasing
Slightly volatile
Macroaxis Advice
Unlike general analyst consensus, Macroaxis buy hold or sell recommendation is provided in the context of your current investment horizon and risk tolerance. The advice algorithm takes into account all of Flexshopper's available fundamental, technical, and predictive indicators. Your current horizon is 90 days - details
Strong HoldUndervalued
Financial Strength
Flexshopper's financial strength is of vital concern to both outside investors and internal stakeholders. Efficiency and cost control are keys to Flexshopper's success, along with its ability to generate sufficient cash flow to pay bills, repay debt, and make a consistent year-to-year profit.
Financial leverage usually refers to the use of borrowed funds to amplify returns from an investment. In general, analyzing the relationship between debt to total assets helps investors to understand Flexshopper's financial leverage. It provides some insight into what part of Flexshopper's total assets is financed by creditors.
Share Download
Share Download
By using current balance sheet information, investors can analyze the liability, assets, and equity on Flexshopper's books and decide whether to invest or hold. Statistics such as return on equity (ROE), debt to equity (D/E) help investors determine how Flexshopper deploys its capital and how much of that capital is borrowed.
Liquidity
Flexshopper cash flow analysis is essential to understand how it generates and spends money over a specific period. It can also help you figure out where your money is going and how much cash you have available at a given moment. The company currently holds 45.08 M in liabilities with Debt to Equity (D/E) ratio of 3.83, implying the company greatly relies on financing operations through barrowing. Flexshopper has a current ratio of 7.01, suggesting that it is liquid enough and is able to pay its financial obligations when due.

Operating Cash Flow

(5.62 Million)Share
Flexshopper (FPAY) is traded on NASDAQ Exchange in USA. It is located in 901 Yamato Road and employs 155 people. Flexshopper was previously known as FlexShopper and was traded on NASDAQ Exchange under the symbol FPAYW. Flexshopper is listed under Business Services category by Fama And French industry classification. The company currently falls under 'Micro-Cap' category with current market capitalization of 67.67 M. Market capitalization usually refers to the total value of a company's stock within the entire market. To calculate Flexshopper's market, we take the total number of its shares issued and multiply it by Flexshopper's current market price. To manage market risk and economic uncertainty, many investors today build portfolios that are diversified across equities with different market capitalizations. However, as a general rule, conservative investors tend to hold large-cap stocks, and these looking for more risk prefer small-cap and mid-cap equities. Flexshopper conducts business under Industrials sector and is part of Rental & Leasing Services industry. The entity has 21.38 M outstanding shares of which 33.5 K shares are currently shorted by private and institutional investors with about 0.29 trading days to cover. Flexshopper currently holds about 6.32 M in cash with (6.33 M) of positive cash flow from operations. This results in cash-per-share (CPS) ratio of 0.29.
Check Flexshopper Probability Of Bankruptcy
Ownership
Flexshopper holds a total of twenty-one million three hundred eighty thousand outstanding shares. Flexshopper retains significant amount of outstanding shares owned by insiders. An insider is usually defined as a CEO, other corporate executive, director, or institutional investor who own at least 10% of the company outstanding shares. Since such a large part of the company is owned by insiders, it is advisable to analyze if each of these insiders have been buying or selling the stock in recent months. Please note that no matter how much assets the company secures, if the real value of the firm is less than the current market value, you may not be able to make money on it.

Ownership Allocation (%)

Check Flexshopper Ownership Details

Flexshopper Stock Price Odds Analysis

What are Flexshopper's target price odds to finish over the current price? Based on a normal probability distribution, the odds of Flexshopper jumping above the current price in 90 days from now is near 1%. The Flexshopper probability density function shows the probability of Flexshopper stock to fall within a particular range of prices over 90 days. Given the investment horizon of 90 days Flexshopper has a beta of 0.1276. This usually indicates as returns on the market go up, Flexshopper average returns are expected to increase less than the benchmark. However, during the bear market, the loss on holding Flexshopper will be expected to be much smaller as well. Additionally, the company has an alpha of 0.3645, implying that it can generate a 0.36 percent excess return over DOW after adjusting for the inherited market risk (beta).
 Odds Down 3.39HorizonTargetOdds Up 3.39 
99.27%90 days
 3.39 
0.72%
Based on a normal probability distribution, the odds of Flexshopper to move above the current price in 90 days from now is near 1 (This Flexshopper probability density function shows the probability of Flexshopper Stock to fall within a particular range of prices over 90 days) .

Flexshopper Stock Institutional Holders

Institutional Holdings refers to the ownership stake in Flexshopper that is held by large financial organizations, pension funds or endowments. Institutions may purchase large blocks of Flexshopper's outstanding shares and can exert considerable influence upon its management. Institutional holders may also work to push the share price higher once they own the stock. Extensive social media coverage, TV shows, articles in high-profile magazines, and presentations at investor conferences help move the stock higher, increasing Flexshopper's value.
InstituionSecurity TypeTotal SharesValue
Perkins Capital Management IncCommon Shares1.5 M4.4 M
Vanguard Group IncCommon Shares622.1 K1.8 M
View Flexshopper Diagnostics

Flexshopper Historical Income Statement

Flexshopper Income Statement is one of the three primary financial statements used for reporting Flexshopper's overall financial performance over a current year or for a given accounting period. An Income Statement sometimes referred to as the statement of Flexshopper revenue and expense. Flexshopper Income Statement primarily focuses on the company's revenues and expenses during a particular period.
Flexshopper Cost of Revenue is fairly stable at the moment as compared to the past year. Flexshopper reported Cost of Revenue of 66.73 Million in 2020. Earning Before Interest and Taxes EBIT is likely to rise to about 5 M in 2021, whereas Consolidated Income is likely to drop (366.7 K) in 2021. View More Fundamentals

Flexshopper Stock Against Markets

Picking the right benchmark for Flexshopper stock is fundamental to making educated investment choices. Many naive investors compare their positions with the S&P 500 or with the Nasdaq. But these benchmarks are not all-inclusive and generally should be used only for large-capitalization equities or stock offerings from large companies. When the price of a selected benchmark declines in a down market, there may be an uptick in Flexshopper stock price where buyers come in believing the asset is cheap. The opposite is true when the market is bullish; so, accurately picking the benchmark for Flexshopper is critical whether you are bullish or bearish towards Flexshopper at a given time.

Be your own money manager

Our tools can tell you how much better you can do entering a position in Flexshopper without increasing your portfolio risk or giving up expected return. As an individual investor, you need to find a reliable way to track all your investment portfolios. However, your requirements will often be based on how much of the process you decide to do yourself. In addition to allowing all investors analytical transparency into all their portfolios, our tools can evaluate.risk-adjusted returns of your individual positions relative to your overall portfolio.

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Flexshopper Corporate Directors

Flexshopper corporate directors refer to members of a Flexshopper board of directors. The board of directors generally takes responsibility for the Flexshopper's affairs and long-term direction of the entity. A corporate director does not make decisions for the corporation on his own. As a member of the board of directors, she or he must function as a part of a group that makes decisions on behalf of the business only by the board of directors' meetings. To pass a resolution, a majority of Flexshopper's board members must vote for the resolution. The Flexshopper board of directors' duties also include the election, removal, and supervision of officers, including the adoption, amendment, and repeal of bylaws.
Carl Pradelli - Independent DirectorProfile
Daniel Ballen - Independent DirectorProfile
Howard Dvorkin - DirectorProfile
James Allen - DirectorProfile
Please check Investing Opportunities. 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 Efficient Frontier module to plot and analyze your portfolio and positions against risk-return landscape of the market..

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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 underlying business (such as 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 Flexshopper value 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.