FlexShopper, Inc. (FPAY)
OTCMKTS · Delayed Price · Currency is USD
0.0151
-0.0329 (-68.54%)
At close: Oct 24, 2025

FlexShopper Statistics

Total Valuation

FlexShopper has a market cap or net worth of 371,627. The enterprise value is 176.12 million.

Market Cap371,627
Enterprise Value 176.12M

Important Dates

The next estimated earnings date is Friday, November 14, 2025.

Earnings Date Nov 14, 2025
Ex-Dividend Date n/a

Share Statistics

FlexShopper has 24.61 million shares outstanding. The number of shares has decreased by -0.79% in one year.

Current Share Class 24.61M
Shares Outstanding 24.61M
Shares Change (YoY) -0.79%
Shares Change (QoQ) -3.31%
Owned by Insiders (%) 53.11%
Owned by Institutions (%) 6.88%
Float 9.91M

Valuation Ratios

PE Ratio n/a
Forward PE 0.02
PS Ratio 0.00
PB Ratio 0.01
P/TBV Ratio n/a
P/FCF Ratio n/a
P/OCF Ratio n/a
PEG Ratio n/a
Financial Ratio History

Enterprise Valuation

The stock's EV/EBITDA ratio is 4.75, with an EV/FCF ratio of -4.23.

EV / Earnings -37.53
EV / Sales 1.26
EV / EBITDA 4.75
EV / EBIT 6.82
EV / FCF -4.23

Financial Position

The company has a current ratio of 7.10, with a Debt / Equity ratio of 4.93.

Current Ratio 7.10
Quick Ratio 3.44
Debt / Equity 4.93
Debt / EBITDA 4.41
Debt / FCF -3.92
Interest Coverage 1.03

Financial Efficiency

Return on equity (ROE) is -0.57% and return on invested capital (ROIC) is 9.46%.

Return on Equity (ROE) -0.57%
Return on Assets (ROA) 8.83%
Return on Invested Capital (ROIC) 9.46%
Return on Capital Employed (ROCE) 13.93%
Revenue Per Employee 685,298
Profits Per Employee -23,006
Employee Count 204
Asset Turnover 0.76
Inventory Turnover 0.70

Taxes

In the past 12 months, FlexShopper has paid 821,350 in taxes.

Income Tax 821,350
Effective Tax Rate 127.92%

Stock Price Statistics

The stock price has decreased by -98.96% in the last 52 weeks. The beta is 1.08, so FlexShopper's price volatility has been similar to the market average.

Beta (5Y) 1.08
52-Week Price Change -98.96%
50-Day Moving Average 0.55
200-Day Moving Average 1.12
Relative Strength Index (RSI) 16.61
Average Volume (20 Days) 1,565,914

Short Selling Information

Short Interest n/a
Short Previous Month n/a
Short % of Shares Out n/a
Short % of Float n/a
Short Ratio (days to cover) 0.48

Income Statement

In the last 12 months, FlexShopper had revenue of 139.80 million and -4.69 million in losses. Loss per share was -0.22.

Revenue139.80M
Gross Profit 119.44M
Operating Income 25.84M
Pretax Income 642,081
Net Income -4.69M
EBITDA 35.45M
EBIT 25.84M
Loss Per Share -0.22
Full Income Statement

Balance Sheet

The company has 10.40 million in cash and 163.35 million in debt, giving a net cash position of -152.94 million or -6.21 per share.

Cash & Cash Equivalents 10.40M
Total Debt 163.35M
Net Cash -152.94M
Net Cash Per Share -6.21
Equity (Book Value) 33.15M
Book Value Per Share 0.42
Working Capital 146.68M
Full Balance Sheet

Cash Flow

In the last 12 months, operating cash flow was -34.95 million and capital expenditures -6.73 million, giving a free cash flow of -41.67 million.

Operating Cash Flow -34.95M
Capital Expenditures -6.73M
Free Cash Flow -41.67M
FCF Per Share -1.69
Full Cash Flow Statement

Margins

Gross margin is 85.44%, with operating and profit margins of 18.48% and -0.13%.

Gross Margin 85.44%
Operating Margin 18.48%
Pretax Margin 0.46%
Profit Margin -0.13%
EBITDA Margin 25.36%
EBIT Margin 18.48%
FCF Margin n/a

Dividends & Yields

FlexShopper does not appear to pay any dividends at this time.

Dividend Per Share n/a
Dividend Yield n/a
Dividend Growth (YoY) n/a
Years of Dividend Growth n/a
Payout Ratio n/a
Buyback Yield 0.79%
Shareholder Yield 0.79%
Earnings Yield -1,262.90%
FCF Yield -11,214.03%

Fair Value

There are several formulas that can be used to estimate the intrinsic value of a stock.

Lynch Fair Value n/a
Lynch Upside n/a
Graham Number n/a
Graham Upside n/a

Stock Splits

The last stock split was on October 25, 2016. It was a reverse split with a ratio of 0.1.

Last Split Date Oct 25, 2016
Split Type Reverse
Split Ratio 0.1

Scores

FlexShopper has an Altman Z-Score of 1.77 and a Piotroski F-Score of 1. A Z-score under 3 suggests an increased risk of bankruptcy.

Altman Z-Score 1.77
Piotroski F-Score 1