FlexShopper (FPAY) Stock Price, News & Analysis

Company Overview

FlexShopper, Inc. (NASDAQ: FPAY) operates a digital lease-to-own marketplace that enables consumers to acquire high-value goods through flexible installment agreements. The company partners with retailers and manufacturers to offer a broad selection of consumer electronics, home appliances, furniture and fitness equipment. Leveraging a proprietary credit evaluation engine, FlexShopper provides an alternative financing option for customers who may have limited credit history or prefer a nontraditional path to ownership.

Through its e-commerce platform, FlexShopper presents a seamless shopping experience by integrating product catalogues, pricing and lease terms on its own website as well as on partner retail sites. Customers select items, undergo a streamlined approval process and choose weekly or monthly payment plans typically ranging from a few months to a year. By retaining ownership of the merchandise until the final payment, FlexShopper manages risk while maintaining ongoing customer engagement through its subscription-style model.

Headquartered in Jacksonville, Florida, FlexShopper was founded in 2008 and has since evolved from a niche electronics lessor to a diversified online marketplace. The company completed its initial public offering in early 2020, marking a significant milestone in its growth trajectory. Over time, FlexShopper has expanded its product categories and retail partnerships, enhancing its platform capabilities with mobile apps and data-driven underwriting tools that further streamline the customer journey.

Under the leadership of co-founder and Chief Executive Officer Josh Fenkell, the company continues to prioritize technological innovation and partner integration. Its executive team brings experience in retail finance, digital marketing and software development, guiding strategy across customer acquisition, risk management and new market initiatives. FlexShopper serves consumers nationwide, positioning itself as a flexible, credit-friendly solution within the evolving landscape of online retail finance.

Key Stats

• Today's Range: $1.05 to $1.14
• 50-Day Range: $0.97 to $1.43
• 52-Week Range: $0.84 to $2.37
• Volume: 41,803 shs
• Average Volume: 114,864 shs
• Market Capitalization: $22.86 million
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $3.25
• Consensus Rating: Buy

FlexShopper Stock Analysis - MarketRank™

FlexShopper scored higher than 75% of companies evaluated by MarketBeat, and ranked 373rd out of 933 stocks in the finance sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.5 / 5
• Analyst Rating: Buy

Consensus Rating

FlexShopper has received a consensus rating of Buy. The company's average rating score is 3.00, and is based on 2 buy ratings, no hold ratings, and no sell ratings.

Amount of Analyst Coverage

FlexShopper has only been the subject of 1 research reports 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 -4.63, 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 -4.63, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

FlexShopper has a P/B Ratio of 3.55. P/B Ratios above 3 indicate that a company could be overvalued with respect to its assets and liabilities.

Short Interest

• Score: 5.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

0.32% of the float of FlexShopper has been sold short.

Short Interest Ratio / Days to Cover

FlexShopper has a short interest ratio ("days to cover") of 0.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in FlexShopper has recently decreased by 26.36%, indicating that investor sentiment is improving significantly.

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.

Sustainability and ESG

• Score: N/A
• Environmental Score: N/A

Percentage of Shares Shorted

0.32% of the float of FlexShopper has been sold short.

Short Interest Ratio / Days to Cover

FlexShopper has a short interest ratio ("days to cover") of 0.4, which is generally considered an acceptable ratio of short interest to trading volume.

Change versus previous month

Short interest in FlexShopper has recently decreased by 26.36%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 2.7 / 5
• News Sentiment: N/A

News Sentiment

FlexShopper has a news sentiment score of 1.87. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This is a higher news sentiment than the 0.94 average news sentiment score of Finance companies.

News Coverage This Week

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

Company Ownership

• Score: 3.3 / 5
• Insider Trading: Acquiring Shares

Insider Buying vs. Insider Selling

In the past three months, FlexShopper insiders have bought more of their company's stock than they have sold. Specifically, they have bought $194,717.00 in company stock and sold $0.00 in 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

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

FPAY Stock Analysis - Frequently Asked Questions

How have FPAY shares performed this year?

FlexShopper's stock was trading at $1.71 at the beginning of the year. Since then, FPAY stock has decreased by 37.7% and is now trading at $1.0650.

How were FlexShopper's earnings last quarter?

FlexShopper Inc. (NASDAQ:FPAY) posted its quarterly earnings data on Wednesday, April, 23rd. The financial services provider reported ($0.09) EPS for the quarter, missing the consensus estimate of $0.02 by $0.11. The financial services provider earned $40.80 million during the quarter, compared to analysts' expectations of $39.95 million. FlexShopper had a negative net margin of 0.13% and a positive trailing twelve-month return on equity of 6.45%.

How do I buy shares of FlexShopper?

Shares of FPAY stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of FlexShopper own?

Based on aggregate information from My MarketBeat watchlists, some other companies that FlexShopper investors own include NVIDIA (NVDA), Meta Platforms (META), PayPal (PYPL), Adobe (ADBE), Arista Networks (ANET), Broadcom (AVGO) and CrowdStrike (CRWD).

Company Calendar

• Last Earnings: 4/23/2025
• Today: 7/13/2025
• Next Earnings (Estimated): 8/05/2025
• Fiscal Year End: 12/31/2025

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: N/A

Price Target and Rating

• Average Price Target for FlexShopper: $3.25
• High Price Target: $4.00
• Low Price Target: $2.50
• Potential Upside/Downside: +205.2%
• Consensus Rating: Buy
• Rating Score (0-4): 3.00
• Research Coverage: 2 Analysts

Profitability

• EPS (Trailing Twelve Months): ($0.23)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: -$180 thousand
• Net Margins: -0.13%
• Pretax Margin: N/A
• Return on Equity: 6.45%
• Return on Assets: 0.22%

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: 0.16
• Cash Flow: $2.80 per share
• Price / Cash Flow: 0.38
• Book Value: $0.30 per share
• Price / Book: 3.55

Miscellaneous

• Outstanding Shares: 21,461,000
• Free Float: 14,980,000
• Market Cap: $22.86 million
• Optionable: Not Optionable
• Beta: 1.32