Contrasting FlexShopper (NASDAQ:FPAY) & CaliberCos (NASDAQ:CWD)

FlexShopper (NASDAQ:FPAY) and CaliberCos (NASDAQ:CWD) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their institutional ownership, analyst recommendations, dividends, profitability, valuation, risk and earnings.

Institutional and Insider Ownership

19.4% of FlexShopper shares are held by institutional investors. Comparatively, 4.1% of CaliberCos shares are held by institutional investors. 30.2% of FlexShopper shares are held by insiders. Comparatively, 8.3% of CaliberCos shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Volatility & Risk

FlexShopper has a beta of 0.88, meaning that its share price is 12% less volatile than the S&P 500. Comparatively, CaliberCos has a beta of -0.28, meaning that its share price is 128% less volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings and target prices for FlexShopper and CaliberCos, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
FlexShopper	1	0	1	0	2.00
CaliberCos	1	1	0	0	1.50

FlexShopper presently has a consensus price target of $0.50, indicating a potential upside of 0.00%. Given FlexShopper’s stronger consensus rating and higher probable upside, equities analysts clearly believe FlexShopper is more favorable than CaliberCos.

Valuation and Earnings

This table compares FlexShopper and CaliberCos”s revenue, earnings per share (EPS) 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
CaliberCos	$20.10 million	0.42	-$21.80 million	($7.56)	-0.13

FlexShopper has higher revenue and earnings than CaliberCos. CaliberCos is trading at a lower price-to-earnings ratio than FlexShopper, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares FlexShopper and CaliberCos’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
FlexShopper	N/A	N/A	N/A
CaliberCos	-122.65%	-160.62%	-18.79%

Summary

FlexShopper beats CaliberCos on 13 of the 13 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 CaliberCos

Caliber (NASDAQ: CWD) is a vertically integrated alternative asset management firm whose purpose is to build generational wealth for investors seeking to access opportunities in middle-market assets. Caliber differentiates itself by creating, managing, and servicing proprietary products, including middle-market investment funds, private syndications, and direct investments which are managed by our in-house asset services group. Our funds include investment vehicles focused primarily on real estate, private equity, and debt facilities. Additional information can be found at Caliberco.com and CaliberFunds.co.