Reviewing SLM Corporation (SLM)’s and FlexShopper Inc. (NASDAQ:FPAY)’s results

Both SLM Corporation (NASDAQ:SLM) and FlexShopper Inc. (NASDAQ:FPAY) compete on a level playing field in the Credit Services industry. We will evaluate their performance with regards to profitability, analyst recommendations, institutional ownership, risk, dividends, earnings and valuation.

Earnings and Valuation

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
SLM Corporation 1.12B 4.04 471.84M 0.93 12.07
FlexShopper Inc. 84.73M 0.18 11.89M -2.45 0.00

In table 1 we can see SLM Corporation and FlexShopper Inc.’s top-line revenue, earnings per share (EPS) and valuation.


Table 2 demonstrates the return on assets, return on equity and net margins of SLM Corporation and FlexShopper Inc.

Net Margins Return on Equity Return on Assets
SLM Corporation 42.13% 15.3% 1.5%
FlexShopper Inc. -14.03% 78.2% -43.3%

Risk and Volatility

SLM Corporation has a 1.49 beta, while its volatility is 49.00%, thus making it more volatile than Standard & Poor’s 500. FlexShopper Inc. has a 0.4 beta and it is 60.00% less volatile than Standard & Poor’s 500.


SLM Corporation pays out $0.15 per share annually while its annual dividend yield is 1.45%. No dividend is paid out by FlexShopper Inc.

Analyst Recommendations

The table shown features the ratings and recommendations for SLM Corporation and FlexShopper Inc.

Sell Ratings Hold Ratings Buy Ratings Rating Score
SLM Corporation 0 0 1 3.00
FlexShopper Inc. 0 0 0 0.00

SLM Corporation has a consensus price target of $13, and a 25.97% upside potential.

Insider and Institutional Ownership

The shares of both SLM Corporation and FlexShopper Inc. are owned by institutional investors at 0% and 20.2% respectively. SLM Corporation’s share held by insiders are 0.5%. Insiders Competitively, held 6.6% of FlexShopper Inc. shares.


Here are the Weekly, Monthly, Quarterly, Half Yearly, Yearly and YTD Performance of both pretenders.

Performance (W) Performance (M) Performance (Q) Performance (HY) Performance (Y) Performance (YTD)
SLM Corporation -2.1% 4.48% 8.96% -3.53% 1.91% 34.66%
FlexShopper Inc. 6.53% 6.86% 15.43% -71.04% -70.52% 12.22%

For the past year SLM Corporation was more bullish than FlexShopper Inc.


SLM Corporation beats on 11 of the 13 factors FlexShopper Inc.

SLM Corporation, together with its subsidiaries, operates as a saving, planning, and paying for college company in the United States. It offers private education loans to students and their families. The company also provides banking products, such as certificates of deposits, money market deposit accounts, and high yield savings accounts; and a consumer savings network that offers financial rewards on everyday purchases to help families save for college. SLM Corporation was founded in 1972 and is headquartered in Newark, Delaware.

FlexShopper, Inc., through its wholly owned subsidiary, FlexShopper, LLC, provides various types of durable goods to consumers on a lease-to-own basis and lease-to-own (LTO) terms to consumers of third party retailers and e-tailers. It offers products through, an LTO e-commerce marketplace, which features approximately 80,000 items, including electronics, furniture, musical instruments, and equipment; third party e-commerce sites featuring FlexShopperÂ’s LTO payment method; FlexShopperÂ’s automated kiosks located in certain retail locations; and FlexShopper Wallet, a mobile application enabling consumers to get durable goods from retailers with their smartphones. 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 based in Boca Raton, Florida.

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