(FPAY) FlexShopper - Ratings and Ratios

FlexShopper, Inc. (NASDAQ: FPAY) is a financial technology company operating a lease-to-own e-commerce platform. The platform enables consumers to purchase electronics, home furnishings, and other durable goods through flexible payment options. The product range includes consumer electronics, such as smartphones, tablets, and wearables; home appliances from brands like Frigidaire and Whirlpool; computers from Dell, HP, and Asus; jewelry; and furniture from Ashley and Sealy. The company partners with leading brands, including LG, Samsung, Sony, Apple, and Toshiba, to offer a wide selection of products. FlexShopper provides an alternative to traditional credit-based financing, targeting consumers who may not qualify for credit or prefer a lease-to-own payment structure. The company, rebranded from Anchor Funding Services in 2013, has been operational since 2003 and is headquartered in Boca Raton, Florida.

From a technical perspective, FPAYs stock has shown recent trading activity with an average 20-day volume of 158,597 shares. The stock is currently priced at $1.44, slightly below its 20-day SMA of $1.54 and 50-day SMA of $1.58, indicating short-term downward momentum. The 200-day SMA of $1.35 suggests that the stock has been trending upward over the longer term. The Average True Range (ATR) of 0.16 reflects moderate volatility. On the fundamental side, FlexShopper has a market cap of $35.31 million, with a forward P/E ratio of 3.82, signaling potential earnings growth expectations. The P/B ratio of 5.04 indicates a premium to book value, while the P/S ratio of 0.26 suggests undervaluation relative to sales. The return on equity (RoE) of 3.03% highlights modest profitability.

3-Month Forecast: Based on the convergence of technical and fundamental data, FPAY is expected to trade within a narrow range, potentially between $1.20 and $1.60 over the next three months. The stock may experience volatility due to its low market cap and moderate ATR. The forward P/E ratio of 3.82 suggests investor optimism about future earnings, but the current P/E of 0.00 and RoE of 3.03% may temper near-term upside. Technical indicators, such as the stock trading below its 20-day and 50-day SMAs, could signal a period of consolidation or potential decline if support levels are breached.