` Comparison: FPAY, RECLTD - Alpha Spread

FPAY
vs
RECLTD

Over the past 12 months, FPAY has underperformed RECLTD, delivering a return of -100% compared to the RECLTD's 34% drop.

Valuation Growth Profitability Solvency Stocks Performance
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FPAY
RECLTD
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Stocks Compared:
FPAY RECLTD
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Valuation Comparison

FPAY Intrinsic Value
Not Available
RECLTD Intrinsic Value
1 091.29 INR
Undervaluation 69%
Intrinsic Value
Price
Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
FlexShopper Inc
NASDAQ:FPAY
0.0015 USD
REC Limited
NSE:RECLTD
339.2 INR
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Valuation Scenario:
Bear Case
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Growth Comparison

Growth Over Time
FPAY, RECLTD

FPAY
RECLTD
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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
REC Limited
Revenue

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

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Profitability Comparison

Free Cash Flow
FPAY, RECLTD

FPAY
RECLTD
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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
REC Limited
NSE:RECLTD
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What is Free Cash Flow?

Gross Margin

FPAY
54.9%
RECLTD
39.6%
LTM 3Y Avg 5Y Avg 10Y Avg
FlexShopper Inc
REC Limited

Operating Margin

FPAY
16.3%
RECLTD
38.4%
LTM 3Y Avg 5Y Avg 10Y Avg
FlexShopper Inc
REC Limited

Net Margin

FPAY
-3.4%
RECLTD
29.1%
LTM 3Y Avg 5Y Avg 10Y Avg
FlexShopper Inc
REC Limited

FCF Margin

FPAY
-31.5%
RECLTD
-25.3%
LTM 3Y Avg 5Y Avg 10Y Avg
FlexShopper Inc
REC Limited

ROE

FPAY
-15.1%
RECLTD
22.7%
LTM 3Y Avg 5Y Avg 10Y Avg
FlexShopper Inc
REC Limited

ROA

FPAY
-2.6%
RECLTD
2.9%
LTM 3Y Avg 5Y Avg 10Y Avg
FlexShopper Inc
REC Limited

ROIC

FPAY
-3.8%
RECLTD
3%
LTM 3Y Avg 5Y Avg 10Y Avg
FlexShopper Inc
REC Limited

ROCE

FPAY
13.8%
RECLTD
4.3%
LTM 3Y Avg 5Y Avg 10Y Avg
FlexShopper Inc
REC Limited

Solvency Comparison

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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
FPAY, RECLTD

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RECLTD
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
FPAY, RECLTD

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

Performance By Year
FPAY, RECLTD

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RECLTD
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