Flexshopper Inc's Competitiveness
A competitive positioning analysis and financial ratio benchmarking of Flexshopper Inc (FPAY) against its publicly traded competitors: sales growth, net income, profitability, valuation and market share, plus each peer's market capitalization, revenue, income and employees. Free below: the top 5 peers. Subscriber access adds the full competitor list and CSV downloads.
Key Findings: Flexshopper Inc vs Its Competitors
- TTM: Trailing 12-month revenue of 135M vs 41,505M combined for tracked competitors (0.3% combined share).
- Trending: Latest-quarter revenue run-rate is accelerating (+14.7% annualized vs trailing 12 months), vs decelerating (-8.6%) for its tracked peer group.
- Growth: Flexshopper Inc generated 23.0% revenue growth year over year in Q3 2024, vs 12.2% for its tracked competitors combined.
- Profitability: Its 9.2% net margin compares with 7.7% for the peer group.
- Peer revenue share: Flexshopper Inc accounted for 0.4% of combined revenue among its tracked peer group, up from 0.4% a year earlier.
- Peer differentiation: Revenue per employee of $0.66M compares with $0.87M for the peer group (0.8x).
Every figure above is sourced and cited in detail further down this page (Market Structure, Profitability & Cost Structure, Productivity vs Peers).
FPAY Sales vs. its Competitors, Q3 2024
Flexshopper Inc reported revenue growth of 22.95 % year on year in Q3 2024, above its competitors' combined revenue growth of 12.18 %.
With a net margin of 9.18 %, Flexshopper Inc achieved higher profitability than its competitors (7.68 %).
Flexshopper Inc generated 0.41 % of the combined sales of its peer group, up from 0.37 % a year earlier.
Flexshopper Inc vs. its Competitors, Q3 2024
Revenue growth, year on year
Net income growth, year on year
Net margin
Revenue run-rate vs trailing 12 months
TTM net margin
TTM = trailing twelve months. Run-rate annualizes the latest quarter (×4) and compares it to TTM. In millions of $. High-Confidence Competitors are named as a competitor directly in an SEC filing; Similar-Size Competitors are the closest peers by market-cap rank within the same industry; Similar Growth & Profitability Competitors are the closest peers by combined revenue growth, operating margin and ROIC, all independent of the competitor list.
TTM revenue, latest-quarter run-rate and net income/margin benchmarked across Flexshopper Inc and its 4 competitor groupings. Available under Commercial License.
| Entity | TTM Revenue | Rev Run-rate vs TTM |
|---|---|---|
| Flexshopper Inc | $12,345M | +12.3% · Accelerating |
| Competitors combined | $12,345M | +12.3% · Accelerating |
| High-Confidence Competitors (2) | $12,345M | +12.3% · Accelerating |
| Similar Growth & Profitability (6) | $12,345M | +12.3% · Accelerating |
TTM revenue, run-rate and net margin benchmarking across Flexshopper Inc's competitor groups requires a Commercial License.
For context: the Rental & Leasing industry grew revenue 10.3% year over year, combined, vs 23.0% for Flexshopper Inc. Flexshopper Inc's share of combined industry revenue moved from 0.10% to 0.11%, a gain of 0.01 percentage points.
Flexshopper Inc's Competitor Quality Breadth
Share of each group, trailing 12 months: profitable (net margin > 0), expanding (revenue growth > 0), growing faster than the industry's own median, and financially distressed (Piotroski F-Score of 2 or below).
| Entity | Profitable | Expanding | Above Industry Growth | Distressed |
|---|---|---|---|---|
| Flexshopper Inc | Yes | Yes | Yes | No |
| Competitors combined (6) | ||||
| High-Confidence Competitors (2) | ||||
| Similar Growth & Profitability (8) | 100.00 % (8 of 8) | 100.00 % (8 of 8) | 100.00 % (8 of 8) | 12.50 % (1 of 8) |
Source: CSIMarket API, trailing 12 months. Altman Z-Score is not shown here: it is not populated in the underlying data for any company. Percentages are of companies in each group that report the relevant metric, not of the full group size.
FPAY Stock Performance relative to its Competitors
FPAY Stock Performance relative to High-Confidence Competitors
FPAY Stock Performance relative to Similar Growth & Profitability Competitors
5 Best-Performing Tracked Competitors, Trailing 12 Months
| # | Competitor | TTM Share Price Return | vs U.S.A. 500 |
|---|---|---|---|
| 1 | Enova International Inc | 282.9% | Outperformed |
| 2 | Nasdaq Inc | 282.9% | Outperformed |
| 3 | Block Inc | 282.9% | Outperformed |
| 4 | Onemain Holdings Inc | 282.9% | Outperformed |
| 5 | Lendingtree inc | 282.9% | Outperformed |
TTM share price return and U.S.A. 500 outperformance for Flexshopper Inc's best-performing tracked competitors requires a Commercial License.
Source: CSIMarket API, trailing 12 months.
Flexshopper Inc's Comment on Competition and Industry Peers
Publicly Traded Peers of Flexshopper Inc
Revenue and income for trailing 12 months, in millions of $, except employees| Company | Market Cap | Revenues |
|---|---|---|
| Flexshopper Inc | 0.16 | 134.56 |
| Nasdaq Inc | 52,585.03 | 8,751.00 |
| Block Inc | 44,643.71 | 25,041.96 |
| Onemain Holdings Inc | 6,594.24 | 2,975.00 |
| Enova International Inc | 4,467.11 | 3,446.14 |
| Lendingtree inc | 340.25 | 1,268.17 |
| SUBTOTAL | 108,651.67 | 41,639.18 |
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Sources: Flexshopper Inc's official press releases and regulatory filings; CSIMarket.com's market research; and the financial filings and press releases of the other companies cited.
Updated on:
Focus of this report: publicly traded companies. Ten additional tables on Flexshopper Inc versus competitors, including market share analysis, are in the navigation menu under Competition. To download the tables, please subscribe.
Flexshopper Inc's Competitors Named by the Company
Competitive relationships identified from SEC filings and corroborating sources, each with a basis and confidence.| Competitor | Basis | Confidence |
|---|---|---|
| Amazon | Named by the company | 85% |
| Best Buy | Named by the company | 85% |
| Paid Inc | Named by the company | 85% |
| Nasdaq Inc | Named by the company | 85% |
Filing basis, confidence, active dates and source counts for Flexshopper Inc's named competitors require a Commercial License.
Methodology: relationships are extracted from SEC filings (named-competitor disclosures) and corroborating sources. Named by the company = explicitly disclosed as a competitor; Inferred = derived from corroborating signals. Confidence reflects evidence strength.
Flexshopper Inc's Business Segment Mix vs Peers
Revenue by operating segment or division, as named and reported by each company. Segment names are the filer's own and are not standardized across companies. Do not assume a same-named or similarly-named segment is defined identically between two companies. Shares are of each company's own total revenue and are not required to sum to 100% (intersegment revenue, unallocated items).| Company | Largest Segment |
|---|---|
| Nasdaq Inc | Market Services 54.19 % |
| Block Inc | Cash App 63.91 % |
| Lendingtree inc | Insurance 66.77 % |
Source: operating segment revenue as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API, leaf-level reportable segments only (parent roll-up segments are excluded where sub-segments are separately disclosed).
Flexshopper Inc's Productivity vs Peers Comparison
Revenue and income per employee, trailing 12 months, in $; market cap in millions of $| Company | Market Cap | Revenue / Employee | Income / Employee |
|---|---|---|---|
| Flexshopper Inc | 0 | 659,623 | 10,195 |
| Nasdaq Inc | 52,585 | 340,784 | 76,561 |
| Block Inc | 44,644 | 2,453,892 | 34,848 |
| Onemain Holdings Inc | 6,594 | 319,892 | 85,591 |
| Enova International Inc | 4,467 | 1,876,981 | 193,601 |
| Lendingtree inc | 340 | 1,369,513 | 196,178 |
| PEERS TOTAL | 108,652 | 865,112 | 76,181 |
Flexshopper Inc's Geographic Revenue Exposure vs Peers
Revenue by country/region as reported in each company's most recent filing. Disclosure granularity varies by filer (some report by country, others by broad region) and is shown as disclosed.| Company | Largest Market |
|---|---|
| Nasdaq Inc | United States 75.24 % |
| Block Inc | United States 91.31 % |
| Enova International Inc | US 97.28 % |
Source: revenue geography as reported in each company's SEC filings (10-K/10-Q), via the CSIMarket API. Percentages are of that company's own total consolidated revenue for its most recent reported period.
Flexshopper Inc's Profitability & Cost Structure
Trailing 12-month margins from SEC-filed financials. Operating margin is compared to the Rental & Leasing industry median; gross margin, EBITDA margin and capital intensity are compared to the live industry average (46 companies).| Metric | Company | Industry | Difference |
|---|---|---|---|
| Gross Margin | 99.31 % | 54.95 % (avg) | +44.4 pp |
| Operating Margin | 16.79 % | industry median | +1.7 pp |
| EBITDA Margin | 62.24 % | 16.18 % (avg) | +46.1 pp |
| Capital Intensity (Capex / Revenue) | 6.85 % | 6.30 % (avg) | +0.6 pp |
Source: CSIMarket API, trailing 12 months. SG&A and R&D as a share of revenue have limited coverage as this data is backfilled and appear only where reported. Higher capital intensity is not inherently negative; it reflects the industry's asset requirements.
Flexshopper Inc's Valuation vs Competitive Position
Valuation multiples vs the Rental & Leasing industry average (46 companies, excluding loss-making/negative-equity outliers), alongside returns on capital for context on whether a premium or discount lines up with measurably stronger or weaker returns.| Metric | Company | Industry Average | Difference |
|---|---|---|---|
| P/E | - | 29.9x | - |
| EV / EBITDA | 1.7x | 12.4x | -10.7x |
| P/B | 0.9x | 3.1x | -2.2x |
| Return on Equity | 7.19 % | industry aggregate | -0.25 % |
| Return on Invested Capital | 11.95 % | 10.85 % (avg) | 1.10 % |
Source: CSIMarket API, trailing 12 months. A valuation premium or discount is not, by itself, a judgment of over- or under-valuation. Compare it against the return and growth context shown elsewhere on this page.
Flexshopper Inc's Multi-Year Financial Trajectory
Fiscal-year revenue growth, operating margin, return on invested capital and P/E, as reported in SEC filings.| Metric | 2016 | 2017 | 2018 | 2019 | 2020 | 2021 | 2022 | 2023 |
|---|---|---|---|---|---|---|---|---|
| Revenue Growth | 130.07 % | 40.91 % | 26.37 % | 4.79 % | 14.97 % | 22.87 % | -9.86 % | 3.47 % |
| Operating Margin | -21.71 % | -9.19 % | -6.11 % | 5.75 % | 4.53 % | 5.87 % | -5.58 % | 11.70 % |
| Return on Invested Capital | -29.43 % | -22.33 % | -26.27 % | 12.03 % | 9.54 % | 10.24 % | -4.39 % | 7.77 % |
| P/E | - | - | - | - | - | 75.9x | 4.3x | - |
Source: CSIMarket API, fiscal-year figures. P/E is this company's own historical ratio at each fiscal year end and can swing sharply around an earnings trough: that is real, not a data error.
Flexshopper Inc's Strategic Group Map
Every company in Flexshopper Inc's industry and named-competitor list, plotted by trailing 12-month revenue growth and operating margin. Flexshopper Inc is shown in red; its closest peers by combined growth, margin and ROIC (the Similar Growth & Profitability group above) are labeled.
Source: CSIMarket API, trailing 12 months. Extreme outlier values (from near-zero-revenue companies) are excluded from the plotted cloud but never from the highlighted company or its labeled peers.
Flexshopper Inc's Competitive Forces (Porter's Five Forces)
Only the forces this data can support honestly are shown; the other three are marked as such rather than guessed.| Force | Assessment | Basis |
|---|---|---|
| Barriers to Entry | Moderate, in line with the industry | Capital intensity (capex / revenue) of 6.85 % vs industry average 6.30 % (see Profitability & Cost Structure above) |
| Supplier Power | Not covered on this page | See Flexshopper Inc's dedicated suppliers page for concentration and dependency data |
| Buyer Power | Not covered on this page | See Flexshopper Inc's dedicated customers page for concentration and dependency data |
| Threat of Substitutes | - | No systematic data source for cross-product substitution exists in this system; not estimated |
Note: this is a partial, data-grounded application of the framework, not a complete strategic assessment. Rivalry and barriers-to-entry readings are mechanical translations of the HHI and capital-intensity figures shown elsewhere on this page, not independent judgments.
Flexshopper Inc's Industry Attractiveness & Competitive Strength
A CSIMarket composite, not a standard field: each axis is an equal-weighted average of three factors already shown elsewhere on this page (industry growth, industry profitability and rivalry for attractiveness; relative market share, profitability and growth vs industry for strength). Disclosed as a designed methodology, not a precision measurement.
Flexshopper Inc falls in the Low attractiveness / High strength cell: Selective.
Source: CSIMarket API, trailing 12 months. Each axis score is a simple 1(low)/2(medium)/3(high) average across its three inputs -- a transparent, disclosed simplification, not a validated academic scoring model.
Flexshopper Inc's SWOT
Every point below is a fixed rule applied to a metric already shown elsewhere on this page (Market Structure, Profitability, Valuation, Run-Rate, Stock Performance, Quality Breadth) not an independent strategic assessment. A blank quadrant means no rule was met, not that none apply.Strengths
- Latest-quarter revenue run-rate is accelerating (+14.7% annualized vs trailing 12 months).
Weaknesses
No rule matched.
Opportunities
No rule matched.
Threats
- Tracked peer group's revenue run-rate is broadly decelerating (-8.6% annualized).
Methodology: mechanical, rule-based SWOT. Each bullet reuses a figure already sourced and cited elsewhere on this page; nothing here is generated narrative or independent analyst judgment.
Flexshopper Inc's Financial Strength vs Peers Comparison
Quick ratio, working capital, debt to equity and asset turnover, trailing 12 months| Company | Quick Ratio | Working Capital | Debt / Equity |
|---|---|---|---|
| Flexshopper Inc | 0.09 | 10.83 | 3.36 |
| Nasdaq Inc | 0.11 | 1.11 | 0.74 |
| Block Inc | 0.66 | 2.14 | 0.29 |
| Onemain Holdings Inc | 1.38 | 40.44 | 6.64 |
| Enova International Inc | 0.26 | 1.30 | 3.34 |
| Lendingtree inc | 0.57 | 1.69 | 1.50 |
Quick ratio = cash / current liabilities; working capital ratio = current assets / current liabilities; asset turnover = revenue / total assets. Peers in the Blank Checks industry are excluded.
Flexshopper Inc's Revenue and Income Growth vs Peers
Quarterly revenue and net income growth, year over year and quarter over quarter| Company | Period | Revenue Y/Y | Income Y/Y |
|---|---|---|---|
| Flexshopper Inc | Q3 2024 | +22.9 % | +276.9 % |
| Nasdaq Inc | Q2 2026 | +21.1 % | +12.2 % |
| Block Inc | Q2 2026 | +9.3 % | -83.8 % |
| Onemain Holdings Inc | Q1 2026 | +9.5 % | +6.1 % |
| Enova International Inc | Q2 2026 | +21.6 % | +38.0 % |
| Lendingtree inc | Q2 2026 | +25.3 % | +8.0 % |
| PEERS TOTAL | +13.2 % | -27.2 % |
Growth is shown only where both periods are positive. Peers in the Blank Checks industry are excluded.
Flexshopper Inc's Peers' Costs of Sales and Capital Expenditures
Context for revenue growth: peer costs and capex, year over year and quarter over quarter| Company | Period | Costs Y/Y | Capex Y/Y |
|---|---|---|---|
| Flexshopper Inc | Q3 2024 | - | +2.5 % |
| Nasdaq Inc | Q2 2026 | +29.8 % | +30.5 % |
| Block Inc | Q2 2026 | +5.9 % | +70.0 % |
| Onemain Holdings Inc | Q1 2026 | +2.0 % | - |
| Enova International Inc | Q2 2026 | - | +12.4 % |
| Lendingtree inc | Q2 2026 | +12.4 % | +15.3 % |
Flexshopper Inc's Returns and Turnover vs Peers
ROA, ROI and ROE (trailing 12 months), receivables and inventory turnover| Company | ROA | ROI | ROE |
|---|---|---|---|
| Flexshopper Inc | 1.23% | 1.52% | 7.19% |
| Nasdaq Inc | 6.76% | 7.29% | 16.28% |
| Block Inc | 0.90% | 1.09% | 1.61% |
| Onemain Holdings Inc | 2.95% | 2.95% | 23.62% |
| Enova International Inc | 5.36% | 5.64% | 25.76% |
| Lendingtree inc | 21.43% | 24.24% | 69.56% |
ROA = net income / total assets; ROI = net income / investments; ROE = net income / equity; turnover ratios use trailing 12 month revenue (receivables) and cost of sales (inventory).
Flexshopper Inc's Valuation vs Peers
P/E, price to sales, PEG, price to cash flow and price to book| Company | P/E | Price / Sales |
|---|---|---|
| Flexshopper Inc | - | 0.00 |
| Nasdaq Inc | 27.02 | 6.01 |
| Block Inc | 130.74 | 1.78 |
| Onemain Holdings Inc | 8.38 | 2.22 |
| Enova International Inc | 12.65 | 1.30 |
| Lendingtree inc | 1.87 | 0.27 |
| PEERS AVERAGE | 29.71 | 2.61 |
P/E = price / diluted EPS (trailing 12 months); PEG = P/E divided by EPS growth; the average row divides the peers' combined market cap by their combined income, sales, cash flow and equity.