FlexShopper, Inc. (NASDAQ:FPAY) Q1 2023 Earnings Conference Call May 15, 2023 8:30 AM ET Company Participants Carlos Sanchez - Investor Relations Russ Heiser - Chief Executive Officer John Davis - Chief Operating Officer Conference Call Participants Scott Buck - H.C. Wainwright Operator Greetings. Welcome to the FlexShopper First Quarter Financial Results Conference Call. At this time, all participants are in a listen-only mode. A question-and-answer session will follow the format presentation. [Operator In ...

业绩总结 - 公司的总收入为36.5亿美元，毛利润为13.6亿美元[12] - 公司的调整后EBITDA为6.4亿美元，净收入为-230,215美元[12] - 公司的现金为9.87亿美元[12] 用户数据 - 在线市场和市场支付方式占比分别为48.2%和3.5%[5] - 2023年3月31日结束的最近12个月内，市场支付方式的新用户和重复用户分别为17.2和2.2百万美元[5] 财务数据 - 公司的毛租赁额和租赁净收入分别为100和140百万美元[7] - 毛贷款和贷款净收入分别为16和7百万美元[8] - 公司的毛利润和预市场EBITDA分别为46.2和25百万美元[9]

总收入和净亏损 - 2023年第一季度，FlexShopper的总收入为3078.58万美元，较2022年同期的2895.52万美元增长6.29%[10] - 2023年第一季度，FlexShopper的净亏损为23.02万美元，较2022年同期的238.09万美元减少90.34%[10] 现金及资金结余 - 2023年第一季度，FlexShopper的现金及受限现金结余为986.95万美元，较2022年同期的431.97万美元增长128.07%[12] - FlexShopper的现金及现金等价物主要存放在高质量金融机构，截至2023年3月31日，公司没有现金等价物[22] 主要运营部门和服务 - FlexShopper的主要运营部门包括FlexShopper LLC、FlexLending LLC和Flex Revolution LLC[15] - FlexShopper通过其子公司提供耐用品的租赁服务，直接向消费者提供贷款，并参与第三方银行合作的消费者贷款项目[16][17] 财务报表和会计准则 - FlexShopper的财务报表采用美国通用会计准则（GAAP）编制，管理层认为这些财务报表反映了公司财务状况、经营业绩和现金流量的公允情况[13] 贷款和租赁 - 公司使用增量借款利率作为租赁的折现率，操作租赁资产的加权平均折现率为13.03%[74] - 2023年3月31日，操作租赁的现金支付为103,368美元，财务租赁的现金支付为2,526美元[75] - 2023年3月31日，操作租赁的未折现租赁负债总额为1,715,071美元，财务租赁的未折现租赁负债总额为10,959美元[76] 股权和股票 - 公司授权发行40,000,000股普通股，每股面值0.0001美元，股票在纳斯达克资本市场交易，股票代码为“FPAY”[100] - 公司于2018年9月发行了行权价为1.25美元的公开认股权证，行权期限为发行日起五年[100] - 截至2023年3月31日，公司股票期权的未行权数量为1,055,184股，行权价为1.25美元[106] 债务和财务协议 - 公司与122 Partners LLC和NRNS Capital Holdings LLC签订了次级债务融资协议，截至2023年3月31日，122 Partners Note的本金和利息总额为1,017,941美元，NRNS Note的本金和利息总额为10,942,865美元[79][80][82] - 公司与WE 2014-1, LLC、WE 2022-1, LLC和Powerscourt Investments 32, LP签订了信贷协议，截至2023年3月31日，信贷协议的承诺金额为110,000,000美元，利率为15.94%[84][86][88] 税务和法律 - 公司2023年第一季度的有效所得税率约为39%，主要由于来自不可抵扣的股权补偿和州所得税的非税收入的影响[117] - 公司未涉及任何当前或未决重大诉讼[120] 其他 - 公司于2022年12月3日通过资产购买协议与Revolution Financial, Inc.完成了一项交易，收购了Revolution业务的主要净资产[124] - 公司于2023年4月25日收到了Nasdaq的信函，表示公司已恢复符合Nasdaq上市规则5250(c)(1)[133]

FlexShopper, Inc. (NASDAQ:FPAY) Q4 2022 Results Conference Call April 25, 2023 8:30 AM ET Company Participants Carlos Sanchez - IR Russ Heiser - CEO John Davis - COO Howard Dvorkin - Chairman Conference Call Participants Scott Buck - H.C. Wainwright Michael Diana - Maxim Group Operator Greetings and welcome to the FlexShopper, Inc. 2022 Fourth Quarter and Fiscal Year Financial Results Conference Call. [Operator Instructions] As a reminder, this conference is being recorded. It is now my pleasure to introduc ...

UNITED STATES SECURITIES AND EXCHANGE COMMISSION Washington, D.C. 20549 FORM 10-K ☒ ANNUAL REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the fiscal year ended December 31, 2022 or ☐ TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from ________ to ________ Commission File Number: 001-37945 FLEXSHOPPER, INC. (Exact name of Registrant as specified in its charter) Delaware 20-5456087 (State or other jurisdicti ...

FlexShopper, Inc. (NASDAQ:FPAY) Q3 2022 Earnings Conference Call November 11, 2022 10:00 AM ET Company Participants Carlos Sanchez - IR Rich House - CEO Russ Heiser - CFO John Davis - COO Conference Call Participants Scott Buck - H.C. Wainwright Operator Greetings, ladies and gentlemen, and welcome to FlexShopper 2022 Third Quarter Financial Results Conference Call. At this time all participants are in listen-only mode. A question-and-answer session will follow the formal presentation. [Operator Instruction ...

Investor Presentation November 2022 Safe Harbor Statement & Use of Non-GAAP Information Forward Looking Statements This presentation includes forward looking statements that are made pursuant to the "safe harbor" provisions of the private securities litigation reform act of 1995 Forward looking statements reflect our current views with respect to future events and involve inherent risks and uncertainties which could cause actual results to differ materially from our historical experience and present expecta ...

FlexShopper, Inc. (NASDAQ:FPAY) Q2 2022 Earnings Conference Call August 11, 2022 9:00 AM ET Company Participants Carlos Sanchez – Investor Relations Rich House – Chief Executive Officer Russ Heiser – Chief Financial Officer John Davis – Chief Operating Officer Conference Call Participants Scott Buck – H.C. Wainwright Michael Diana – Maxim Group Operator Greetings, ladies and gentlemen, and welcome to FlexShopper, LLC 2022 Second Quarter Financial Results Conference Call. At this time all participants are in ...

Investor Presentation August 2022 Safe Harbor Statement & Use of Non-GAAP Information Forward Looking Statements This presentation includes forward looking statements that are made pursuant to the "safe harbor" provisions of the private securities litigation reform act of 1995 Forward looking statements reflect our current views with respect to future events and involve inherent risks and uncertainties which could cause actual results to differ materially from our historical experience and present expectati ...

FlexShopper, Inc. (NASDAQ:FPAY) Q4 2021 Earnings Conference Call March 31, 2022 9:00 AM ET Company Participants Jeremy Hellman - The Equity Group Rich House - Chief Executive Officer Russ Heiser - Chief Financial Officer Conference Call Participants Scott Buck - H.C. Wainwright Operator Greetings and welcome to the FlexShopper Fourth Quarter and Fiscal Year 2021 Earnings Call. At this time, all participants are in a listen-only mode. A question and answer session will follow the formal presentation. [Operat ...