` Comparison: FPAY vs 8421 - Alpha Spread
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FPAY
vs
8421

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

Valuation Growth Profitability Solvency Stocks Performance
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FPAY
8421
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Stocks Compared:
FPAY 8421
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Valuation Comparison

FPAY Intrinsic Value
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Shinkin Central Bank Intrinsic Value
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Company Last Price Intrinsic Value DCF Value Relative Value Wall St Target
FlexShopper Inc
NASDAQ:FPAY
0.0001 USD
Shinkin Central Bank
TSE:8421
195 000 JPY
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Valuation Scenario:
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Growth Comparison

Growth Over Time
FPAY, 8421

FPAY
8421
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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
Shinkin Central Bank
Revenue

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

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Profitability Comparison

Free Cash Flow
FPAY, 8421

FPAY
8421
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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
Shinkin Central Bank
TSE:8421
FCF is not applicable for financial companies
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What is Free Cash Flow?

Gross Margin

FPAY
54.9%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
FlexShopper Inc
Shinkin Central Bank
Not applicable for financial companies

Operating Margin

FPAY
16.3%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
FlexShopper Inc
Shinkin Central Bank
Not applicable for financial companies

Net Margin

FPAY
-3.4%
Shinkin Central Bank
20.5%

FCF Margin

FPAY
-31.5%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
FlexShopper Inc
Shinkin Central Bank
Not applicable for financial companies

ROE

FPAY
-15%
Shinkin Central Bank
1.8%

ROA

FPAY
-2.6%
Shinkin Central Bank
0.1%

ROIC

FPAY
-3.8%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
FlexShopper Inc
Shinkin Central Bank
Not applicable for financial companies

ROCE

FPAY
13.8%
Shinkin Central Bank
LTM 3Y Avg 5Y Avg 10Y Avg
FlexShopper Inc
Shinkin Central Bank
Not applicable for financial companies

Solvency Comparison

FlexShopper Inc
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
Shinkin Central Bank
Equity Waterfall
Assets
Liabilities
Equity
What is Equity Waterfall?
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Balance Sheet Comparison
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Stocks Performance

Stocks Performance
FPAY, 8421

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FPAY
8421
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1Y 3Y 5Y 10Y 15Y 20Y
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Performance Gap
FPAY, 8421

Performance Gap Between FPAY and 8421
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Performance By Year
FPAY, 8421

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FPAY
8421
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