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Edge16 Oct 2026
Winner, Winner: The Chicken McNugget Story
How a 1940s breeding contest, a Cornell food scientist, and a hedge by Ray Dalio helped McDonald's turn the Chicken McNugget into a fast-food icon.
Flexshopper
Flexshopper (FPAY) investor relations material
Flexshopper has been otc
Flexshopper Q4 2024 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2024 earnings summary28 Apr, 2025
Executive summary
Achieved 19.5% year-over-year revenue growth in 2024, driven by DTC and B2B strategies and technology investments.
Expanded LTO offerings to 7,900 locations, a ~250% increase, and launched a retail revenue strategy on flexshopper.com.
Operating income rose 66% to $22.8M; adjusted EBITDA up 43.1% to $33.3M for the year.
Net loss attributable to common stockholders narrowed to $(4.7)M, or $(0.22) per diluted share, from $(8.3)M, or $(0.38) per share.
Raised $12.2M through a rights offering and plans to repurchase 91% of Series 2 convertible preferred stock at a significant discount.
Financial highlights
Q4 2024 revenue increased 17.3% year-over-year to $35.5M; gross profit up 29.8% to $20.4M; gross margin rose to 58%.
Q4 adjusted EBITDA grew 5.7% to $8.6M; Q4 net loss attributable to common stockholders was $(1.9)M, or $(0.09) per share.
Full-year 2024 revenue reached $139.8M (+19.5%); gross profit $76.7M (+40.3%); gross margin 55% (+8 pts).
Operating income for 2024 was $22.8M (+66%); adjusted EBITDA $33.3M (+43.1%).
Lease funding approvals for 2024 rose 79.3% to $382.8M.
Outlook and guidance
Expects 2025 gross profit of $90M–$100M (up 17–30%) and adjusted EBITDA of $40M–$45M (up 20–35%).
Q1 2025 lease originations increased 49.7% year-over-year.
Anticipates further profitability improvements in 2025 from higher sales, stable expenses, and credit quality.
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Latest events from Flexshopper
- Stockholders will vote on key governance, compensation, and capital structure proposals.FPAY
Proxy Filing - Shareholders to vote on key governance, compensation, and capital structure changes.FPAYProxy Filing
- Rights offering aims to repurchase preferred stock, reduce debt, and fund growth, with potential dilution.FPAYRegistration Filing
- Rights offering aims to raise capital for preferred stock repurchase, debt reduction, and growth.FPAYRegistration Filing
- Q3 2024 revenue up 22.9%, net income $2.4M, and major retail and capital initiatives advanced.FPAYQ3 2024
- Q2 revenue up 29.8%, adjusted EBITDA up 1533.3%, and net loss narrowed sharply.FPAYQ2 2024
- Record growth, unique marketplace, and new lending initiatives set the stage for 2025 tailwinds.FPAYPlanet MicroCap Showcase: VEGAS 2025
- Record growth in revenue, customer applications, and B2B expansion drive future outlook.FPAYSidoti Micro-Cap Virtual Conference
Flexshopper
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Frequently asked questions
FlexShopper Inc. (FPAY) is a financial technology company that operates an e-commerce marketplace offering electronics, home furnishings, and other durable goods on a lease-to-own basis. The company's product range includes consumer electronics, home appliances, computers (including tablets and wearables), smartphones, tires, jewelry, and furniture, alongside accessories. FlexShopper is headquartered in Boca Raton, Florida, and its shares are listed on the Nasdaq.