` Comparison: FPAY, IRFC - Alpha Spread

FPAY
vs
IRFC

Over the past 12 months, FPAY has underperformed IRFC, delivering a return of -100% compared to the IRFC's 23% drop.

Valuation Growth Profitability Solvency Stocks Performance
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FPAY
IRFC
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Valuation Comparison

FPAY Intrinsic Value
Not Available
IRFC Intrinsic Value
124.68 INR
Undervaluation 9%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
FlexShopper Inc
NASDAQ:FPAY
0.0015 USD
Indian Railway Finance Corp Ltd
NSE:IRFC
113.98 INR
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Valuation Scenario:
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Growth Comparison

Growth Over Time
FPAY, IRFC

FPAY
IRFC
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Revenue
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Company LTM Historical Growth Growth Streak % Positive Years Max Drawdown Volatility Forecasted Growth
3 Years 5 Years 10 Years 1 Year 3 Years
FlexShopper Inc
Revenue
Indian Railway Finance Corp Ltd
Revenue

All metrics are calculated based on data from the last 10 years.

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Profitability Comparison

Free Cash Flow
FPAY, IRFC

FPAY
IRFC
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Free Cash Flow
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Company LTM Average Historical Growth FCF Margin Conversion
3 Years 5 Years 3 Years 5 Years 10 Years
FlexShopper Inc
NASDAQ:FPAY
Indian Railway Finance Corp Ltd
NSE:IRFC
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What is Free Cash Flow?

Gross Margin

FPAY
54.9%
IRFC
0%

Operating Margin

FPAY
16.3%
IRFC
99.4%

Net Margin

FPAY
-3.4%
IRFC
25.5%

FCF Margin

FPAY
-31.5%
IRFC
13.2%

ROE

FPAY
-15.1%
IRFC
12.7%

ROA

FPAY
-2.6%
IRFC
1.4%

ROIC

FPAY
-3.8%
IRFC
5.5%

ROCE

FPAY
13.8%
IRFC
5.3%

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
FPAY, IRFC

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Performance Gap
FPAY, IRFC

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FPAY
IRFC
Difference
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1Y 3Y 5Y 10Y 15Y 20Y

Performance By Year
FPAY, IRFC

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IRFC
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