Put FlexShopper Inc. (Nasdaq: FPAY) On Your Streamers - Up Over +7% Early This Morning!

FlexShopper Inc. (Nasdaq: FPAY) May Be Our Most Timely Feature Yet...Here's Why  Greetings FDR Subscribers, Despite its over 28% increase in share price since the month's start from $1.12 to its current $1.45*, FlexShopper Inc. (NASDAQ: FPAY) checks two critical boxes in the timing category- one for investors and one for itself. However, these checks aren't mutually exclusive. They go hand in hand to create a value proposition that looks extremely attractive even after its in-progress bull run. (*share price at market close, 10/23/24, Yahoo! Finance)  FPAY's timing is spot on...  For potential investors, the strategy is simple—buy low and sell high. But for the company, there are a tremendous number of moving parts to facilitate that intention. Most important to the growth engine is having the right products at the right time to create shareholder value. FlexShopper Inc. (NASDAQ: FPAY) does.  Obviously, investors are getting that point. They've sent FPAY stock to levels during October not seen since April. These multi-month highs aren't a coincidence. They are accruing as investors get more acquainted with how FPAY can tap into opportunities created by a challenging economy to help consumers achieve an endpoint they wouldn't otherwise reach- asset ownership.  That's made possible by an innovative and accessible lease-to-own solution that's disrupting the traditional credit market. Good for them can also be good for investors, especially with FPAY serving a growing number of consumers who are getting squeezed by rising costs and limited access to traditional credit. In that respect, FPAY solutions can be a game-changer in the fintech space. Ironically, its simplicity is the value driver.  FlexShopper didn't reinvent the credit markets—they simply made them more accessible with a unique business model that provides consumers with access to high-ticket items through flexible payment plans. It's not a credit card. FPAY offers a lease-to-own service that provides a straightforward, interest-free way for customers to acquire goods. What makes FlexShopper unique in a retail sector that churns trillions of dollars each year? Its sophisticated digital platform. Investing in a fintech opportunity...  FlexShopper's value driver isn't product-based; it's technology-based, designed to seamlessly integrate with online and brick-and-mortar retailers' sales platforms. That integration makes it easy for customers to apply for lease agreements and take home products that might otherwise be cost-prohibitive. In other words, FPAY removes the barriers associated with traditional credit applications and opens the door to millions of potential customers who need flexible payment options.  Remember when we referred to "timing" as critical to a company story? In today's unpredictable economic climate, FPAY certainly offers the right things when they may be most needed. That's driving growth. In August, FlexShopper reported year-over-year Q2 comparative revenue growth of over 29% to $31.8 million, resulting from long-term growth strategies that the company said are "beginning to take hold." Indeed, they are. Over the past two quarters, FPAY's focus on providing more accessible payment solutions to more customers, expanding retail revenue, and leveraging its platform to provide expanded payment options to more retail partners is delivering as intended.  In addition to the 29% increase in comparative Q2 revenues, the company reported total lease funding approvals increasing 102.2% to $74.8 million, easily besting the $37 million scored during the same period last year, contributed to by the 150 new retail partner locations FPAY added over the period. That's not a stopping point.  Partner locations expected to surge...  FPAY expects to add 500 new retail partner locations during the second half of 2024, part of its risk-managed focus to drive toward near-term profitability. That focus is contributing to more dollars falling toward its bottom line, evidenced by FPAY's provision for doubtful accounts as a percentage of gross lease billings and fees decreasing by 32.4% over the prior year period. The better news is that FPAY reported a 1,533.3% increase in adjusted EBITDA, with its Q2/2024 $4.9 million, the highest Q2 level in two years. The best news, however, is that FPAY's operating income reached $2.4 million, pummeling the ($2.0 million) loss reported last year.  Similar results are expected. That assumption is warranted after FPAY said it achieved a significant 89% increase in gross profit, setting the stage in the coming quarters for accelerating growth inherent to FlexShopper expanding its marketplace presence into new product categories and offering attractive payment solutions, broadening an already significant addressable market. Remember that every new retail collaboration means more locations and e-commerce platforms where FlexShopper's lease-to-own services are available, thus unlocking new revenue streams while establishing its place as a go-to provider for retailers wanting to expand their customer base without absorbing the credit risk.  That doesn't apply to just mom-and-pop stores. FlexShopper's ability to scale quickly provides an expedited pathway to onboarding major national chains, which can, in turn, enhance its business footprint more quickly. Why are retailers choosing FPAY? Primarily because FlexShopper's data-driven approach to risk management offers a win-win proposition.  It uses proprietary algorithms to assess customer creditworthiness in real-time, minimizing defaults and, by design, contributing to healthy margins. This strategic use of technology is more than a differentiation; it's an advantage over traditional rent-to-own models that rely on less sophisticated credit risk assessments. With rising defaults in the broader credit market, FlexShopper's ability to intelligently manage risk does more than provide financial benefit to customers, it gives purchasing opportunities to those who may be overlooked and underserved by traditional lenders. In other words, FPAY is providing a solution to make markets more profitable and inclusive.  A bullish, evidence-based narrative...  Members, that narrative supports immediate investment consideration. FPAY provides all the evidence needed to support that bullish attention. They've highlighted advancing a proven growth strategy with patent-protected technology that expands its revenue-generating opportunities across digital and physical retail channels, leveraging competitive advantages related to risk assessment, and building upon a scalable business model that can quickly strengthen and broaden relationships with retail partners.  Thus, while October has been an impressive period for share price appreciation, it may be the precursor to more appreciable moves in the coming days, weeks, and quarters. Considering that FlexShopper offers something few companies can: a tested, tech-driven solution that serves the rising demand for alternative payment methods, higher may indeed be the path of least resistance. To Your Trading Success, Michael Reece Editor, Financial Driven Research Sources: [( [( [( [( []( [( © 2024 Financial Driven Research, All Rights Reserved. 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