How to buy FlexShopper stock | 1.74

FlexShopper, Inc is a rental & leasing services business based in the US. FlexShopper shares (FPAY) are listed on the NASDAQ and all prices are listed in US Dollars. FlexShopper employs 178 staff and has a trailing 12-month revenue of around USD$94.8 million.

How to buy shares in FlexShopper

1. Compare share trading platforms. If you're a beginner, look for a platform with low commissions, expert ratings and investment tools to track your portfolio. Narrow down top brands with our comparison table.
2. Open and fund your brokerage account. Complete an application with your personal and financial details, like your ID and bank information. Fund your account with a bank transfer, credit card or debit card.
3. Search for FlexShopper. Find the stock by name or ticker symbol: FPAY. Research its history to confirm it's a solid investment against your financial goals.
4. Purchase now or later. Buy today with a market order or use a limit order to delay your purchase until FlexShopper reaches your desired price. To spread out your purchase, look into dollar-cost averaging, which smooths out buying at consistent intervals and amounts.
5. Decide on how many to buy. At last close price of USD$1.74, weigh your budget against a diversified portfolio that can minimize risk through the market's ups and downs. You may be able to buy a fractional share of FlexShopper, depending on your broker.
6. Check in on your investment. Congratulations, you own a part of FlexShopper. Optimize your portfolio by tracking how your stock — and even the business — performs with an eye on the long term. You may be eligible for dividends and shareholder voting rights on directors and management that can affect your stock.

How has coronavirus impacted FlexShopper's share price?

Since the stock market crash in March caused by coronavirus, FlexShopper's share price has had significant negative movement.

Its last market close was USD$1.74, which is 36.73% down on its pre-crash value of USD$2.75 and 74.00% up on the lowest point reached during the March crash when the shares fell as low as USD$1.

If you had bought USD$1,000 worth of FlexShopper shares at the start of February 2020, those shares would have been worth USD$500.00 at the bottom of the March crash, and if you held on to them, then as of the last market close they'd be worth USD$763.16.

FlexShopper share price

Use our graph to track the performance of FPAY stocks over time.

FlexShopper shares at a glance

• Key figures

Information last updated 2020-10-20.

Latest market close	USD$1.74
52-week range	USD$0.95 - USD$3.22
50-day moving average	USD$1.8037
200-day moving average	USD$1.5702
Wall St. target price	USD$3.83
PE ratio	14.6842
Dividend yield	N/A (0%)
Earnings per share (TTM)	USD$-0.505

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Is it a good time to buy FlexShopper stock?

The technical analysis gauge below displays real-time ratings for the timeframes you select. This is not a recommendation, however. It represents a technical analysis based on the most popular technical indicators: Moving Averages, Oscillators and Pivots. Finder might not concur and takes no responsibility.

Technical Analysis of FlexShopper, Inc by TradingView

This chart is not advice or a guarantee of success. Rather, it gauges the real-time recommendations of three popular technical indicators: moving averages, oscillators and pivots. Finder is not responsible for how your stock performs.

FlexShopper price performance over time

Historical closes compared with the close of $1.74 from 2020-10-19

1 week (2020-10-16)	-5.43%
1 month (2020-09-25)	1.75%
3 months (2020-07-24)	16.00%
6 months (2020-04-24)	62.62%

1 year (2019-10-25)	22.54%
2 years (2018-10-25)	97.73%
3 years (2017-10-25)	-58.67%
5 years (2015-10-22)	248.00%

Is FlexShopper under- or over-valued?

Valuing FlexShopper stock is incredibly difficult, and any metric has to be viewed as part of a bigger picture of FlexShopper's overall performance. However, analysts commonly use some key metrics to help gauge the value of a stock.

FlexShopper's P/E ratio

FlexShopper's current share price divided by its per-share earnings (EPS) over a 12-month period gives a "trailing price/earnings ratio" of roughly 15x. In other words, FlexShopper shares trade at around 15x recent earnings.

That's relatively low compared to, say, the trailing 12-month P/E ratio for the NASDAQ 100 at the end of 2019 (27.29). The low P/E ratio could mean that investors are pessimistic about the outlook for the shares or simply that they're under-valued.

FlexShopper's EBITDA

FlexShopper's EBITDA (earnings before interest, taxes, depreciation and amortisation) is USD$6.5 million.

The EBITDA is a measure of a FlexShopper's overall financial performance and is widely used to measure a its profitability.

FlexShopper financials

Revenue TTM	USD$94.8 million
Operating margin TTM	5.02%
Gross profit TTM	USD$20.1 million
Return on assets TTM	6.6%
Return on equity TTM	1.76%
Profit margin	0.18%
Book value	$-0.777
Market capitalisation	USD$37.2 million

TTM: trailing 12 months

Shorting FlexShopper shares

There are currently 60,675 FlexShopper shares held short by investors – that's known as FlexShopper's "short interest". This figure is 16.8% down from 72,961 last month.

There are a few different ways that this level of interest in shorting FlexShopper shares can be evaluated.

FlexShopper's "short interest ratio" (SIR)

FlexShopper's "short interest ratio" (SIR) is the quantity of FlexShopper shares currently shorted divided by the average quantity of FlexShopper shares traded daily (recently around 168541.66666667). FlexShopper's SIR currently stands at 0.36. In other words for every 100,000 FlexShopper shares traded daily on the market, roughly 360 shares are currently held short.

However FlexShopper's short interest can also be evaluated against the total number of FlexShopper shares, or, against the total number of tradable FlexShopper shares (the shares that aren't held by "insiders" or major long-term shareholders – also known as the "float"). In this case FlexShopper's short interest could be expressed as 0% of the outstanding shares (for every 100,000 FlexShopper shares in existence, roughly 0 shares are currently held short) or 0.0038% of the tradable shares (for every 100,000 tradable FlexShopper shares, roughly 4 shares are currently held short).

Such a low SIR usually points to an optimistic outlook for the share price, with fewer people currently willing to bet against FlexShopper.

Find out more about how you can short FlexShopper stock.

FlexShopper share dividends

We're not expecting FlexShopper to pay a dividend over the next 12 months.

Have FlexShopper's shares ever split?

FlexShopper's shares were split on a 1:10 basis on 25 October 2016. So if you had owned 10 shares the day before before the split, the next day you'd have owned 1 share. This wouldn't directly have changed the overall worth of your FlexShopper shares – just the quantity. However, indirectly, the new 900% higher share price could have impacted the market appetite for FlexShopper shares which in turn could have impacted FlexShopper's share price.

FlexShopper share price volatility

Over the last 12 months, FlexShopper's shares have ranged in value from as little as $0.95 up to $3.22. A popular way to gauge a stock's volatility is its "beta".

Beta is a measure of a share's volatility in relation to the market. The market (NASDAQ average) beta is 1, while FlexShopper's is 1.0739. This would suggest that FlexShopper's shares are a little bit more volatile than the average for this exchange and represent, relatively-speaking, a slightly higher risk (but potentially also market-beating returns).

FlexShopper overview

FlexShopper, Inc., through its wholly owned subsidiary, FlexShopper, LLC operates as an online lease-to-own (LTO) retailer and LTO payment solution provider. The company provides residential furniture, consumer electronics, computers, appliances, household accessories, and various other durable goods to consumers on a LTO basis to consumers of third-party retailers and e-tailers. It offers products through FlexShopper.com, an LTO e-commerce marketplace; e-commerce sites and in-store terminals by utilizing FlexShopper's patented LTO payment method; and facilitation of LTO transactions with retailers. 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 based in Boca Raton, Florida.

Frequently asked questions

• What percentage of FlexShopper is owned by insiders or institutions?

  Currently 40.133% of FlexShopper shares are held by insiders and 23.292% by institutions.

• How many people work for FlexShopper?

  Latest data suggests 178 work at FlexShopper.

• When does the fiscal year end for FlexShopper?

  FlexShopper's fiscal year ends in December.

• Where is FlexShopper based?

  FlexShopper's address is: 901 Yamato Road, Boca Raton, FL, United States, 33431

• What is FlexShopper's ISIN number?

  FlexShopper's international securities identification number is: US33939J3032

• What is FlexShopper's CUSIP number?

  FlexShopper's Committee on Uniform Securities Identification Procedures number is: 33939J303