FlexShopper (FPAY) Stock Price, News & Analysis

Company Overview

FlexShopper, Inc. (NASDAQ: FPAY) operates a cloud-based consumer finance platform designed to enable customers to acquire durable goods through an affordable lease-to-own subscription model. Using its proprietary Virtual Lease-to-Own (VLO) technology, FlexShopper partners with online and brick-and-mortar retailers, consumer electronics dealers and specialty merchants to offer flexible payment solutions that require minimal credit criteria. Through the VLO program, customers pay weekly or monthly lease fees, gain immediate use of merchandise and have the option to purchase the items at any time by paying a predetermined purchase price.

The company’s product portfolio spans electronics, appliances, furniture and fitness equipment, with its platform integrated into retailer websites and point-of-sale systems. FlexShopper sources goods from national brands and local distributors, negotiates pricing and handles customer servicing, while financing is provided by third-party capital partners. This model allows retailers to broaden their customer base, increase average order values and reduce inventory risk, while offering consumers an alternative funding option for essential household and lifestyle products.

Founded in 2006 and headquartered in Hollywood, Florida, FlexShopper launched its Virtual Lease-to-Own technology in 2012 and completed its initial public offering in 2015. Led by founder and Chief Executive Officer Michael Gordon, the company has expanded its reach across the United States, serving underbanked and credit-challenged consumers. FlexShopper continues to invest in platform enhancements, mobile integration and merchant partnerships to grow market penetration and improve user experience.

Key Stats

• Today's Range: N/A
• 50-Day Range: $0.00 to $0.19
• 52-Week Range: N/A
• Volume: N/A
• Average Volume: 276,444 shs
• Market Capitalization: $150 thousand
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $0.50
• Consensus Rating: Hold

FlexShopper Stock Analysis - MarketRank™

FlexShopper scored higher than 25% of companies evaluated by MarketBeat. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.0 / 5
• Analyst Rating: Hold

Consensus Rating

FlexShopper has received a consensus rating of Hold. The company's average rating score is 2.00, and is based on no strong buy ratings, 1 buy rating, no hold ratings, and 1 sell rating.

Upside Potential

FlexShopper has a consensus price target of $0.50, representing about ∞ upside from its current price of $0.00.

Amount of Analyst Coverage

FlexShopper has received no research coverage in the past 90 days.

Earnings and Valuation

• Score: 0.6 / 5
• Proj. Earnings Growth: Growing

Earnings Growth

Earnings for FlexShopper are expected to grow in the coming year, from ($0.11) to $0.39 per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of FlexShopper is 0.00, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of FlexShopper is 0.00, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Short Interest

• Score: N/A
• Short Interest Level: N/A

Short Interest

There is no current short interest data available for FPAY.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

FlexShopper does not currently pay a dividend.

Dividend Growth

FlexShopper does not have a long track record of dividend growth.

News and Social Media

• Score: 0.0 / 5
• News Sentiment: N/A

News Coverage This Week

MarketBeat has tracked 1 news article for FlexShopper this week, compared to 0 articles on an average week.

Company Ownership

• Score: 0.9 / 5
• Insider Trading: N/A

Insider Buying vs. Insider Selling

In the past three months, FlexShopper insiders have not sold or bought any company stock.

Percentage Held by Insiders

30.20% of the stock of FlexShopper is held by insiders. A high percentage of insider ownership can be a sign of company health.

Percentage Held by Institutions

19.41% of the stock of FlexShopper is held by institutions.

Company Calendar

• Last Earnings: 4/23/2025
• Today: 5/30/2026
• Fiscal Year End: 12/31/2026

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Finance
• Industry: FIN - MISC SVCS
• Sub-Industry: Business Services
• Current Symbol: NASDAQ:FPAY
• CIK: 1397047
• Web: www.flexshopper.com
• Phone: (855) 353-9289
• Fax: 704-542-4724
• Employees: 140
• Year Founded: 2013

Price Target and Rating

• Average Price Target for FlexShopper: $0.50
• High Price Target: $0.50
• Low Price Target: $0.50
• Consensus Rating: Hold
• Rating Score (0-4): 2.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): N/A
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: N/A
• Net Margins: N/A
• Pretax Margin: N/A
• Return on Equity: N/A
• Return on Assets: N/A

Debt

• Debt-to-Equity Ratio: N/A
• Current Ratio: N/A
• Quick Ratio: N/A

Sales & Book Value

• Annual Sales: $139.80 million
• Price / Sales: 0.00
• Cash Flow: N/A
• Price / Cash Flow: 0.07
• Book Value: $0.30 per share
• Price / Book: N/A

Miscellaneous

• Outstanding Shares: 21,461,000
• Free Float: 14,980,000
• Market Cap: $150 thousand
• Optionable: Not Optionable
• Beta: 0.88