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FPAY 
FlexShopper Inc (FPAY)
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Upturn Advisory Summary
11/28/2025: FPAY (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $0.5
1 Year Target Price $0.5
| 0 | Strong Buy |
| 2 | Buy |
| 0 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -69.92% | Avg. Invested days 22 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  1.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 0.25M USD | Price to earnings Ratio - | 1Y Target Price 0.5 |
Price to earnings Ratio - | 1Y Target Price 0.5 | ||
Volume (30-day avg) 2 | Beta 0.87 | 52 Weeks Range 0.00 - 2.37 | Updated Date 12/6/2025 |
52 Weeks Range 0.00 - 2.37 | Updated Date 12/6/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.2 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date 2025-11-28 | When - | Estimate 0.08 | Actual - |
Profitability
Profit Margin -0.13% | Operating Margin (TTM) 18.21% |
Management Effectiveness
Return on Assets (TTM) 8.83% | Return on Equity (TTM) -0.58% |
Valuation
Trailing PE - | Forward PE 3.89 | Enterprise Value 175832209 | Price to Sales(TTM) - |
Enterprise Value 175832209 | Price to Sales(TTM) - | ||
Enterprise Value to Revenue 1.26 | Enterprise Value to EBITDA 1.98 | Shares Outstanding 24611029 | Shares Floating 9909877 |
Shares Outstanding 24611029 | Shares Floating 9909877 | ||
Percent Insiders 52.64 | Percent Institutions 13.47 |
Upturn AI SWOT
FlexShopper Inc
Company Overview
History and Background
FlexShopper Inc. (Nasdaq: FPAY) was founded in 2013 and rebranded from its previous name, "ShopperTrak," in 2015. The company has evolved to offer a "rent-to-own" (RTO) e-commerce platform, enabling consumers to acquire durable goods and electronics through flexible payment options. A significant milestone was its IPO in 2016.
Core Business Areas
- E-commerce Platform: FlexShopper operates an online marketplace that offers a wide selection of durable goods, including furniture, appliances, electronics, and home decor, directly to consumers. The platform utilizes a proprietary technology stack to facilitate transactions.
- Payment Solutions: The core of FlexShopper's business is its 'no-credit-check' payment solution, allowing customers to pay for items in weekly or monthly installments. This targets a segment of consumers who may not qualify for traditional financing.
Leadership and Structure
The company's leadership typically includes a CEO, CFO, and other executive roles overseeing operations, technology, and marketing. The organizational structure is designed to manage its e-commerce platform, vendor relationships, and customer service.
Top Products and Market Share
Key Offerings
- Description: A broad range of furniture items for living rooms, bedrooms, dining rooms, and more. Competitors include large furniture retailers like Ashley Furniture, Wayfair, and IKEA, as well as smaller online retailers.
- Market Share Data: Not publicly disclosed for this specific category on FlexShopper.
- Product Category: Furniture
- Description: Televisions, laptops, gaming consoles, and other consumer electronics. Competitors include major electronics retailers like Best Buy, Amazon, and Newegg.
- Market Share Data: Not publicly disclosed for this specific category on FlexShopper.
- Product Category: Electronics
- Description: Home appliances such as refrigerators, washing machines, and dryers. Competitors include appliance retailers like Home Depot, Lowe's, and specialized appliance stores.
- Market Share Data: Not publicly disclosed for this specific category on FlexShopper.
- Product Category: Appliances
Market Dynamics
Industry Overview
FlexShopper operates within the rapidly growing e-commerce sector and the niche market for alternative payment solutions, particularly 'rent-to-own' and 'buy now, pay later' (BNPL) services. The RTO market caters to consumers seeking flexible payment options for essential and discretionary goods.
Positioning
FlexShopper positions itself as an accessible e-commerce platform for consumers who may face challenges with traditional credit. Its competitive advantage lies in its 'no-credit-check' model and its integrated online marketplace, offering a streamlined shopping experience.
Total Addressable Market (TAM)
The TAM for RTO and BNPL services is significant and growing globally. While specific TAM figures for FlexShopper's niche are not readily available, the broader consumer finance and e-commerce markets are valued in the trillions of dollars. FlexShopper aims to capture a share of this market by serving underserved consumer segments.
Upturn SWOT Analysis
Strengths
- Proprietary technology platform for RTO services
- Access to a consumer segment underserved by traditional credit
- Partnerships with a diverse range of vendors
- E-commerce focused business model
Weaknesses
- Reliance on a specific consumer demographic which may be more sensitive to economic downturns
- Brand recognition compared to larger e-commerce players
- Potential for higher default rates inherent in RTO models
- Limited pricing power in competitive product categories
Opportunities
- Expansion of product categories and vendor partnerships
- Growth in the BNPL and alternative payment solutions market
- International market expansion
- Leveraging data analytics to personalize customer experience and improve risk assessment
Threats
- Increasing competition from established BNPL providers and traditional lenders
- Regulatory changes affecting RTO and BNPL services
- Economic downturns impacting consumer spending power
- Cybersecurity risks and data breaches
Competitors and Market Share
Key Competitors
- Katapult (KPT)
- Perpay Inc.
Competitive Landscape
FlexShopper competes in a dynamic market where differentiating on technology, customer service, and product selection is key. Its 'no-credit-check' model is a significant differentiator, but it faces competition from other RTO providers and evolving BNPL solutions that offer similar payment flexibility.
Growth Trajectory and Initiatives
Historical Growth: Historical growth would be assessed by examining revenue trends and customer acquisition over previous years. The company has focused on scaling its platform and expanding its vendor network.
Future Projections: Future projections are typically based on analyst estimates and company guidance, focusing on anticipated revenue growth, market penetration, and profitability improvements. These are subject to change based on market conditions and execution.
Recent Initiatives: Recent initiatives may include strategic partnerships, technology enhancements to the platform, and efforts to optimize customer acquisition costs and operational efficiency.
Summary
FlexShopper Inc. operates in the growing e-commerce and alternative payment sector, offering a rent-to-own platform for consumers. Its core strength lies in serving an underserved market segment. However, it faces challenges from increasing competition and economic sensitivities. Strategic expansion of its vendor network and product offerings, alongside robust risk management, will be crucial for sustained growth and profitability.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company filings with the U.S. Securities and Exchange Commission (SEC)
- Financial news outlets and market data providers
- Industry reports on e-commerce and alternative payments
Disclaimers:
This analysis is based on publicly available information and is for informational purposes only. It does not constitute investment advice. Financial data and market positions are subject to change.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About FlexShopper Inc
Exchange NASDAQ | Headquaters Boca Raton, FL, United States | ||
IPO Launch date 2014-02-19 | CEO - | ||
Sector Industrials | Industry Rental & Leasing Services | Full time employees - | Website https://www.flexshopper.com |
Full time employees - | Website https://www.flexshopper.com | ||
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 (LTO) basis. The company offers consumer electronics; home appliances; computers, such as tablets and wearables; smartphones; tires; and jewelry and furniture, including accessories. It also provides payment options to consumers. The company offers its products under the LG, Samsung, Sony, TCL, Frigidaire, General Electric, Whirlpool, Apple, Asus, Dell, Hewlett Packard, Toshiba, Resident, Sealy, and Ashley brands. The company was formerly known as Anchor Funding Services, Inc. and changed its name to FlexShopper, Inc. in October 2013. FlexShopper, Inc. was founded in 2003 and is headquartered in Boca Raton, Florida.
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