FPAY
Price
$1.29
Change
-$0.03 (-2.27%)
Updated
Jul 25 closing price
Capitalization
29.45M
16 days until earnings call
PAPL
Price
$4.02
Change
-$0.73 (-15.37%)
Updated
Jul 25 closing price
Capitalization
10.27M
3 days until earnings call
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FPAY vs PAPL

Header iconFPAY vs PAPL Comparison
Open Charts FPAY vs PAPLBanner chart's image
FlexShopper
Price$1.29
Change-$0.03 (-2.27%)
Volume$31.7K
Capitalization29.45M
Pineapple Financial
Price$4.02
Change-$0.73 (-15.37%)
Volume$302.61K
Capitalization10.27M
FPAY vs PAPL Comparison Chart in %
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FPAY
Daily Signalchanged days ago
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PAPL
Daily Signalchanged days ago
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FPAY vs. PAPL commentary
Jul 27, 2025

To compare these two companies we present long-term analysis, their fundamental ratings and make comparative short-term technical analysis which are presented below. The conclusion is FPAY is a Buy and PAPL is a Hold.

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COMPARISON
Comparison
Jul 27, 2025
Stock price -- (FPAY: $1.29 vs. PAPL: $4.02)
Brand notoriety: FPAY and PAPL are both not notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: FPAY: 45% vs. PAPL: 40%
Market capitalization -- FPAY: $29.45M vs. PAPL: $10.27M
FPAY [@Finance/Rental/Leasing] is valued at $29.45M. PAPL’s [@Finance/Rental/Leasing] market capitalization is $10.27M. The market cap for tickers in the [@Finance/Rental/Leasing] industry ranges from $573.25B to $0. The average market capitalization across the [@Finance/Rental/Leasing] industry is $12.87B.

Long-Term Analysis

It is best to consider a long-term outlook for a ticker by using Fundamental Analysis (FA) ratings. The rating of 1 to 100, where 1 is best and 100 is worst, is divided into thirds. The first third (a green rating of 1-33) indicates that the ticker is undervalued; the second third (a grey number between 34 and 66) means that the ticker is valued fairly; and the last third (red number of 67 to 100) reflects that the ticker is undervalued. We use an FA Score to show how many ratings show the ticker to be undervalued (green) or overvalued (red).

FPAY’s FA Score shows that 0 FA rating(s) are green whilePAPL’s FA Score has 0 green FA rating(s).

  • FPAY’s FA Score: 0 green, 5 red.
  • PAPL’s FA Score: 0 green, 5 red.
According to our system of comparison, PAPL is a better buy in the long-term than FPAY.

Short-Term Analysis

It is best to consider a short-term outlook for a ticker by using Technical Analysis (TA) indicators. We use Odds of Success as the percentage of outcomes which confirm successful trade signals in the past.

If the Odds of Success (the likelihood of the continuation of a trend) for each indicator are greater than 50%, then the generated signal is confirmed. A green percentage from 90% to 51% indicates that the ticker is in a bullish trend. A red percentage from 90% - 51% indicates that the ticker is in a bearish trend. All grey percentages are below 50% and are considered not to confirm the trend signal.

FPAY’s TA Score shows that 6 TA indicator(s) are bullish while PAPL’s TA Score has 4 bullish TA indicator(s).

  • FPAY’s TA Score: 6 bullish, 4 bearish.
  • PAPL’s TA Score: 4 bullish, 4 bearish.
According to our system of comparison, FPAY is a better buy in the short-term than PAPL.

Price Growth

FPAY (@Finance/Rental/Leasing) experienced а +0.78% price change this week, while PAPL (@Finance/Rental/Leasing) price change was +27.62% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +0.70%. For the same industry, the average monthly price growth was +32.37%, and the average quarterly price growth was +18.44%.

Reported Earning Dates

FPAY is expected to report earnings on Aug 12, 2025.

PAPL is expected to report earnings on Jul 30, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (+0.70% weekly)

A leasing company (e.g. United Rentals, Inc. ) is typically the legal owner of the asset for the duration of the lease, while the lessee has operating control over the asset while also having some share of the economic risks and returns from the change in the valuation of the underlying asset. Per capita disposable income and corporate earnings or cash flow could be some of the critical metrics for this business – the higher the values of these metrics, the potentially greater ability of consumers/businesses to afford apartments/office spaces for rent. Other finance companies include credit/debit card payment processing companies (e.g. Visa Inc. and Mastercard), private label credit cards providers (e.g. Synchrony Financial) and automobile finance companies (e.g. Credit Acceptance Corporation).

SUMMARIES
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FUNDAMENTALS
Fundamentals
FPAY($29.4M) has a higher market cap than PAPL($10.3M). PAPL YTD gains are higher at: 789.381 vs. FPAY (-24.561). FPAY has higher annual earnings (EBITDA): 83.5M vs. PAPL (-2.39M). FPAY has more cash in the bank: 5.73M vs. PAPL (2.34M). PAPL has less debt than FPAY: PAPL (1.07M) vs FPAY (108M). FPAY has higher revenues than PAPL: FPAY (108M) vs PAPL (2.13M).
FPAYPAPLFPAY / PAPL
Capitalization29.4M10.3M285%
EBITDA83.5M-2.39M-3,490%
Gain YTD-24.561789.381-3%
P/E Ratio2.02N/A-
Revenue108M2.13M5,082%
Total Cash5.73M2.34M245%
Total Debt108M1.07M10,065%
FUNDAMENTALS RATINGS
FPAY: Fundamental Ratings
FPAY
OUTLOOK RATING
1..100
20
VALUATION
overvalued / fair valued / undervalued
1..100
84
Overvalued
PROFIT vs RISK RATING
1..100
100
SMR RATING
1..100
97
PRICE GROWTH RATING
1..100
54
P/E GROWTH RATING
1..100
97
SEASONALITY SCORE
1..100
n/a

Tickeron ratings are formulated such that a rating of 1 designates the most successful stocks in a given industry, while a rating of 100 points to the least successful stocks for that industry.

TECHNICAL ANALYSIS
Technical Analysis
FPAYPAPL
RSI
ODDS (%)
Bullish Trend 3 days ago
82%
Bearish Trend 3 days ago
90%
Stochastic
ODDS (%)
Bearish Trend 3 days ago
88%
Bearish Trend 3 days ago
90%
Momentum
ODDS (%)
Bullish Trend 3 days ago
79%
Bullish Trend 3 days ago
77%
MACD
ODDS (%)
Bullish Trend 3 days ago
79%
N/A
TrendWeek
ODDS (%)
Bullish Trend 3 days ago
82%
Bullish Trend 3 days ago
78%
TrendMonth
ODDS (%)
Bullish Trend 3 days ago
84%
Bullish Trend 3 days ago
78%
Advances
ODDS (%)
Bullish Trend 11 days ago
82%
N/A
Declines
ODDS (%)
Bearish Trend 13 days ago
84%
Bearish Trend 3 days ago
90%
BollingerBands
ODDS (%)
Bearish Trend 3 days ago
90%
Bearish Trend 3 days ago
90%
Aroon
ODDS (%)
Bearish Trend 3 days ago
90%
Bullish Trend 3 days ago
57%
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FPAY
Daily Signalchanged days ago
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PAPL
Daily Signalchanged days ago
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FPAY and

Correlation & Price change

A.I.dvisor tells us that FPAY and PAPL have been poorly correlated (+24% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that FPAY and PAPL's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To FPAY
1D Price
Change %
FPAY100%
-2.27%
PAPL - FPAY
24%
Poorly correlated
-15.37%
PYPL - FPAY
24%
Poorly correlated
+0.21%
SOFI - FPAY
23%
Poorly correlated
-1.44%
GATX - FPAY
21%
Poorly correlated
+0.78%
OBDC - FPAY
20%
Poorly correlated
-0.20%
More

PAPL and

Correlation & Price change

A.I.dvisor tells us that PAPL and FPAY have been poorly correlated (+24% of the time) for the last year. This A.I.-generated data suggests there is low statistical probability that PAPL and FPAY's prices will move in lockstep.

1D
1W
1M
1Q
6M
1Y
5Y
Ticker /
NAME
Correlation
To PAPL
1D Price
Change %
PAPL100%
-15.37%
FPAY - PAPL
24%
Poorly correlated
-2.27%
LDI - PAPL
13%
Poorly correlated
-1.66%
UPST - PAPL
9%
Poorly correlated
N/A
SOFI - PAPL
8%
Poorly correlated
-1.44%
SEZL - PAPL
7%
Poorly correlated
+5.85%
More