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IntroductionThe concept of valuationRevenue and revenue growthVariable costsFixed costsProduction assets

Intrinsic value of FlexShopper Inc. (FPAY)

Previous Close$2.23
Intrinsic Value$3.08
Upside potential  +38%
Previous Close
$2.23
Intrinsic Value
$3.08
Potential        
+38%

VALUATION INPUT DATA (original, your and others' valuations)

ParameterOrig.Your
Date of valuation (DoV)  
Intrinsic value (IV) at DoV, $/sh  
IV at current val. algorithm, $/sh3.08 3.08

The original valuation is based on fiscal year data as of 2021-12-31 and quarterly data as of 2022-03-31.

Registered users can save their valuation input data

  1. Annual
  2. Quarterly YoY
  3. Quarterly QoQ

Annual revenue growth rates, % (past and forecasted)

NOTE: The bar chart shows historic and forecasted yearly revenue growth rates. Its purpose is to help you in determining what initial revenue rate you want to base your stock valuation on. Please make sure that you are confident in the value you select - for most stocks it is by far the most important parameter in valuation.

Company description

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.

show cash flow forecast

FINANCIAL STATEMENTS FORECAST and PRESENT VALUE CALCULATION

Fiscal year2021(a)2022202320242025202620272028202920302031203220332034203520362037203820392040204120422043204420452046

INCOME STATEMENT

Revenue growth rate, %-6.4NaN
Revenue, $125NaN
Variable operating expenses, $mNaN
Fixed operating expenses, $mNaN
Total operating expenses, $m118NaN
Operating income, $m7NaN
EBITDA, $m84NaN
Interest expense (income), $mNaN
Earnings before tax, $m2NaN
Tax expense, $m1NaN
Net income, $m1NaN

BALANCE SHEET

Cash and short-term investments, $m5NaN
Total assets, $m85NaN
Adjusted assets (=assets-cash), $m80NaN
Average production assets, $m7NaN
Working capital, $m64NaN
Total debt, $m57NaN
Total liabilities, $m69NaN
Total equity, $m16NaN
Debt-to-equity ratio3.519NaN
Adjusted equity ratio0.154NaN

CASH FLOW

Net income, $m1NaN
Depreciation, amort., depletion, $m77NaN
Funds from operations, $mNaN
Change in working capital, $mNaN
Cash from operations, $m-11NaN
Maintenance CAPEX, $mNaN
New CAPEX, $mNaN
Total CAPEX, $m-5NaN
Free cash flow, $m-6NaN
Issuance/(repurchase) of shares, $mNaN
Retained Cash Flow, $mNaN
Pot'l extraordinary dividend, $m64
Cash available for distribution, $mNaN
Discount rate, %NaN
PV of cash for distribution, $mNaN
Current shareholders' claim on cash, %NaN
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