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Upturn AI SWOT - About
FPAY 
FlexShopper Inc (FPAY)
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Upturn Advisory Summary
10/15/2025: 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 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 7.83M 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 1.08 | 52 Weeks Range 0.27 - 2.37 | Updated Date 10/17/2025 |
52 Weeks Range 0.27 - 2.37 | Updated Date 10/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.2 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Earnings Date
Report Date - | When - | Estimate - | 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 0.71 | Enterprise Value 182937413 | Price to Sales(TTM) 0.06 |
Enterprise Value 182937413 | Price to Sales(TTM) 0.06 | ||
Enterprise Value to Revenue 1.31 | Enterprise Value to EBITDA 2.06 | Shares Outstanding 24611029 | Shares Floating 9909877 |
Shares Outstanding 24611029 | Shares Floating 9909877 | ||
Percent Insiders 52.64 | Percent Institutions 13.54 |
Upturn AI SWOT
FlexShopper Inc
Company Overview
History and Background
FlexShopper, Inc. was founded in 2014, specializing in lease-to-own (LTO) consumer goods through an e-commerce platform. It has grown by expanding its product offerings and customer base.
Core Business Areas
- E-Commerce Lease-to-Own: Offers a wide range of durable consumer goods, including electronics, furniture, appliances, and other products, under lease-to-own agreements directly to consumers through FlexShopper.com.
- Third-Party LTO Solutions: FlexShopper also provides its proprietary LTO platform and services to third-party retailers, enabling them to offer LTO options to their customers.
Leadership and Structure
FlexShopper's leadership consists of a board of directors and an executive management team. Details about specific individuals and their roles can be found in their investor relations section of the company's website.
Top Products and Market Share
Key Offerings
- Electronics: Lease-to-own electronics, like TVs, laptops, and smartphones, catering to credit-constrained consumers. Market share data is not publicly and readily available; competitors include Rent-A-Center and Aaron's.
- Furniture and Appliances: Furniture and appliance lease-to-own agreements. Market share data is not publicly and readily available; competitors include Rent-A-Center and Aaron's.
Market Dynamics
Industry Overview
The lease-to-own industry caters to consumers with limited access to traditional credit, providing an alternative way to acquire durable goods. The industry is competitive and subject to regulatory scrutiny.
Positioning
FlexShopper positions itself as a technology-driven LTO solution provider. It aims to differentiate itself through its e-commerce platform and third-party retailer partnerships.
Total Addressable Market (TAM)
The TAM for the lease-to-own market is estimated to be in the billions of dollars annually. FlexShopper is positioned to capture a portion of this TAM through its direct-to-consumer and third-party channels.
Upturn SWOT Analysis
Strengths
- E-commerce platform
- Third-party partnerships
- Proprietary technology
- Focus on credit-constrained consumers
Weaknesses
- Dependence on credit-constrained consumers
- Regulatory risks
- Competition in the LTO market
- High cost of customer acquisition
Opportunities
- Expansion of product offerings
- Growth in e-commerce
- Increased demand for LTO options
- Partnerships with more retailers
Threats
- Economic downturns
- Changes in consumer credit regulations
- Increased competition
- Reputational risks
Competitors and Market Share
Key Competitors
- RAC
- AAN
Competitive Landscape
FlexShopper faces competition from established LTO providers like Rent-A-Center and Aaron's. Its advantages include its e-commerce platform and third-party partnerships, while disadvantages may include its smaller scale and brand recognition.
Growth Trajectory and Initiatives
Historical Growth: Historical growth analysis requires access to past revenue and earnings data.
Future Projections: Future projections require analyst estimates, which are not readily available in a consolidated format.
Recent Initiatives: Recent initiatives can be found in the company's press releases and investor relations section.
Summary
FlexShopper is a lease-to-own company operating in a competitive market. The company's e-commerce platform and partnerships are key strengths. Potential challenges include regulatory risks and economic downturns. Financial performance depends on attracting and retaining customers.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Industry Reports (where available)
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data may be estimates and subject to change. Financial data requires verification from official financial statements.
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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