FPAY — Stock Film
STOCK FILMSCENE 1/12FPAY · $0.0001
Stock Expert AI presents
FPAY
FlexShopper, Inc
~5 min film100% real numbersplain English
WHAT DOES THIS COMPANY DO?
FlexShopper, Inc. What it actually does.

Operates an e-commerce marketplace. Offers lease-to-own options for durable goods. Now — the numbers.

on the stock market since 2010
204 employees
$2K market value
WHERE DOES THE MONEY COME FROM?
100%Anchor
AnchorFlexshopper <1%
100% of all revenue comes from a single line: Anchor.

That much dependence is a risk in itself: if this one line weakens, the whole company feels it directly.

Revenue last year:
$139.8M
The loss that same year:
$179K
Sales don’t cover the costs; the gap drains from the cash pile every year.

The company is still in the product-building phase: its spending runs above its sales. That only changes once the product starts selling at scale.

THE SALES TREND
Sales are growing overall, with a pause along the way.

Average growth of 8% a year over the last 4 years. Red columns mark years that ended in a loss.

$102.1M
2020
2021
2022
2023
$139.8M
2024
In the vault right now:
$10.4M
DEBT: $163.3M
At this pace, that money lasts about 58 years.

At this burn rate the cash pile isn’t the pressing question — for now, time is on the company’s side.

What executives did with their own stock over the last 12 months:
36 buy0 sell

Executives buying with their own money is usually read as confidence in the company’s future.

THE COUNCIL REVIEW
9

angles, checked one by one.

The 2 that stand out are on screen; the rest came back neutral.

The council scores out of 10; report-card grades are out of 100.

STRENGTHS
Fat profit per sale, but shrinking10/10
WEAK SPOTS
The stock has lost its spark0/10
THE FIVE-YEAR JOURNEY
A long and steep decline.

An investor who bought at the very peak is down 100% today. The business is the same; what changed most is the price — and the expectations — the market pins on it.

1
THE BRIGHT SIDE · 1/3
Sales keep climbing

Over the last 4 years, sales grew about 8% a year on average.

2
THE BRIGHT SIDE · 2/3
The product is selling

Sales run at $139.8M a year. A small number, but proof the product has real buyers.

3
THE BRIGHT SIDE · 3/3
Executives are buying their own stock

Over the last 12 months, company executives reported 36 buys and 0 sells. Management buying with its own money is usually read as a good sign.

1
THE RISKS · 1/2
Small scale, thin loss

A loss of $179K against $139.8M in annual sales.

2
THE RISKS · 2/2
Trading under $1

The stock sits at $0.0001. Under exchange rules, stocks that stay below $1 for too long risk being removed from the market.

FINALE · THE GRADE
grade pending

We don’t have a report card for this stock yet — the data isn’t mature enough to grade. No grade is information too: it means the evidence is thin.

One-line summary: few numbers, an untested story. Keep watching.

What would you like to do next?
Open the stock page →
This was a film — not investment advice.
Data: FMP & company filings
Sep 11, 2026 · stockexpertai.com · Stock Film