No insider purchase over the last 90 days. The latest was filed 05 May 2025.
FlexShopper, Inc., classified in the Finance & Banking sector, is a listed company. Its insiders report their share dealings to SEC (Form 4). FlexShopper, Inc. has had no insider filing for more than a year; the last one goes back to 5 May 2025.
The full history, which starts in 2021, counts 60 purchases against no sales.
In the same sector, recent insider purchases at First Guaranty Bancshares, Inc. and BCB Bancorp Inc also feature in our signals. This summary is built from SEC (Form 4) disclosures alone and does not predict where the share price will go.
This score ranks the purchase within its own market. A position size is suggested only on the venues of the backtested strategy universe; elsewhere, signals stay on watch. Not investment advice.
FY ended December 2023 · cache
25 of 66 declarations
FlexShopper, Inc. (ticker: FPAY) is a U.S.-listed company trading on Nasdaq in the United States, operating at the intersection of fintech, consumer finance, and omnichannel retail. The company specializes in lease-to-own (LTO) payment solutions targeted primarily at underserved and non-prime consumers. Its model enables retail partners to broaden their addressable customer base while offering shoppers a more flexible alternative to traditional credit. FlexShopper is headquartered in Boca Raton, Florida, and was incorporated in Delaware in 2006. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1397047/000121390024076923/ea0212147-05.pdf?utm_source=openai))
Historically, FlexShopper built its business around its proprietary FlexShopper.com e-commerce platform and has since expanded through a broader B2B merchant network and embedded payment solutions. The company now describes itself as a national online LTO retailer and payment solution provider for consumers who are underserved by mainstream financial institutions. In practical terms, the model combines marketplace distribution, financing, and payment technology, with an asset-light structure that reduces direct inventory exposure. ([investors.flexshopper.com](https://investors.flexshopper.com/static-files/be224b9c-8bf9-49ec-b56f-b375eb7f30a4?utm_source=openai))
From a competitive standpoint, FlexShopper operates in a segment where differentiation depends on credit decisioning, merchant integration, speed of approvals, and collections performance. Its core niche is alternative financing for durable goods, spanning categories such as home furnishings, electronics, and, increasingly, automotive-related products through specialized partnerships. In 2024, the company said its LTO offerings had expanded to roughly 7,900 locations, underscoring the scale-up of its merchant footprint. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1397047/000121390025036054/ea023966001ex99-1_flex.htm?utm_source=openai))
Its main business lines include direct-to-consumer LTO financing, B2B solutions for merchants, and monetization of its digital platform. Key products and services include consumer screening through a proprietary model, financing of durable goods purchases, installment-style payments, and partnerships with retail and service networks. FlexShopper’s operations are primarily U.S.-based, with a Florida headquarters and a nationwide commercial reach. ([sec.gov](https://www.sec.gov/Archives/edgar/data/0001397047/000121390024065631/ea0209539-10q_flexshop.htm?utm_source=openai))
Recent highlights matter for investors. In April 2025, FlexShopper reported full-year 2024 results showing higher annual revenue and a sharp improvement in operating income, alongside continued execution of its DTC and B2B growth strategy. In May 2025, it announced a partnership with ICON Vehicle Dynamics to extend LTO financing into premium off-road vehicle upgrades. At the same time, the company also received a Nasdaq deficiency notice related to delayed SEC filings, which remains a key governance and disclosure risk to monitor. ([sec.gov](https://www.sec.gov/Archives/edgar/data/1397047/000121390025036054/ea023966001ex99-1_flex.htm?utm_source=openai))
Purchases our model currently ranks for the recommendations list.
All recommendations| Fiscal year end | Revenue | Net income | Diluted EPS | Filing |
|---|---|---|---|---|
| Dec 2023 | 117.0 m USD | -4.2 m USD | -0.38 USD | 10-K/A |
| Dec 2022 | 113.1 m USD | 13.6 m USD | 0.44 USD | 10-K/A |
| Dec 2021 | 125.4 m USD | 3.3 m USD | 0.04 USD | 10-K |
| Dec 2020 | 102.1 m USD | -339,896 USD | -0.17 USD | 10-K |
| Dec 2019 | 88.8 m USD | 577,415 USD | -0.11 USD | 10-K |
Amounts in USD, as filed (forms 10-K, 20-F or 40-F). Source: SEC EDGAR.