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Flexshopper (FPAY) investor relations material
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.
Explain the strategic plan for 2025.
What drove the 19.5% revenue increase?
Why did FlexShopper receive a Nasdaq notification?
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Next Flexshopper earnings date
Q1 202521 Oct, 2025
Next Flexshopper earnings date
Q1 202521 Oct, 2025
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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.
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