FlexShopper (NASDAQ:FPAY – Get Free Report) and Intercorp Financial Services (NYSE:IFS – Get Free Report) are both finance companies, but which is the better investment? We will compare the two businesses based on the strength of their profitability, valuation, dividends, institutional ownership, earnings, risk and analyst recommendations.
Profitability
This table compares FlexShopper and Intercorp Financial Services’ net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| FlexShopper | N/A | N/A | N/A |
| Intercorp Financial Services | 30.53% | 17.49% | 2.13% |
Analyst Ratings
This is a summary of current recommendations and price targets for FlexShopper and Intercorp Financial Services, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| FlexShopper | 1 | 0 | 1 | 0 | 2.00 |
| Intercorp Financial Services | 0 | 2 | 1 | 0 | 2.33 |
Volatility and Risk
FlexShopper has a beta of 0.88, suggesting that its share price is 12% less volatile than the S&P 500. Comparatively, Intercorp Financial Services has a beta of 0.8, suggesting that its share price is 20% less volatile than the S&P 500.
Institutional & Insider Ownership
19.4% of FlexShopper shares are owned by institutional investors. 30.2% of FlexShopper shares are owned by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Earnings and Valuation
This table compares FlexShopper and Intercorp Financial Services”s gross revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| FlexShopper | $139.80 million | 0.00 | -$180,000.00 | ($0.23) | N/A |
| Intercorp Financial Services | $1.67 billion | 3.65 | $542.25 million | $5.35 | 10.23 |
Intercorp Financial Services has higher revenue and earnings than FlexShopper. FlexShopper is trading at a lower price-to-earnings ratio than Intercorp Financial Services, indicating that it is currently the more affordable of the two stocks.
Summary
Intercorp Financial Services beats FlexShopper on 9 of the 12 factors compared between the two stocks.
About FlexShopper
FlexShopper, Inc., a financial technology company, operates an e-commerce marketplace to shop electronics, home furnishings, and other durable goods on a lease-to-own (LTO) basis. The company offers consumer electronics; home appliances; computers, such as tablets and wearables; smartphones; tires; and jewelry and furniture, including accessories. It also provides payment options to consumers. The company offers its products under the LG, Samsung, Sony, TCL, Frigidaire, General Electric, Whirlpool, Apple, Asus, Dell, Hewlett Packard, Toshiba, Resident, Sealy, and Ashley brands. The company was formerly known as Anchor Funding Services, Inc. and changed its name to FlexShopper, Inc. in October 2013. FlexShopper, Inc. was founded in 2003 and is headquartered in Boca Raton, Florida.
About Intercorp Financial Services
Intercorp Financial Services Inc., together with its subsidiaries, offers banking, insurance, wealth management, and payment services for retail and commercial clients in Peru. The company provides loans, credit facilities, deposits, and current accounts; life annuity products with single-premium payment and conventional life insurance products, as well as other retail insurance products; and brokerage and investment management services. It engages in the development, management, operation, and processing of credit and debit cards; facilitation of payments and services through commercial stores; and installation and maintenance of infrastructure for transactions through electronic commerce modality and networks of payment methods processors. The company was incorporated in 1897 and is based in Lima, Peru. Intercorp Financial Services Inc. operates as a subsidiary of Intercorp Perú Ltd.
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