FPAY
Price
$1.16
Change
-$0.01 (-0.85%)
Updated
Jun 27 closing price
Capitalization
29.45M
45 days until earnings call
PYPL
Price
$73.64
Change
+$0.47 (+0.64%)
Updated
Jun 27 closing price
Capitalization
71.8B
31 days until earnings call
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FPAY vs PYPL

Header iconFPAY vs PYPL Comparison
Open Charts FPAY vs PYPLBanner chart's image
FlexShopper
Price$1.16
Change-$0.01 (-0.85%)
Volume$70.44K
Capitalization29.45M
PayPal Holdings
Price$73.64
Change+$0.47 (+0.64%)
Volume$10.45M
Capitalization71.8B
FPAY vs PYPL Comparison Chart in %
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FPAY
Daily Signalchanged days ago
Gain/Loss if bought
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PYPL
Daily Signalchanged days ago
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FPAY vs. PYPL commentary
Jun 29, 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 PYPL is a Buy.

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COMPARISON
Comparison
Jun 29, 2025
Stock price -- (FPAY: $1.16 vs. PYPL: $73.64)
Brand notoriety: FPAY: Not notable vs. PYPL: Notable
Both companies represent the Finance/Rental/Leasing industry
Current volume relative to the 65-day Moving Average: FPAY: 134% vs. PYPL: 99%
Market capitalization -- FPAY: $29.45M vs. PYPL: $71.8B
FPAY [@Finance/Rental/Leasing] is valued at $29.45M. PYPL’s [@Finance/Rental/Leasing] market capitalization is $71.8B. 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 $13.11B.

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 whilePYPL’s FA Score has 0 green FA rating(s).

  • FPAY’s FA Score: 0 green, 5 red.
  • PYPL’s FA Score: 0 green, 5 red.
According to our system of comparison, PYPL 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 3 TA indicator(s) are bullish while PYPL’s TA Score has 3 bullish TA indicator(s).

  • FPAY’s TA Score: 3 bullish, 5 bearish.
  • PYPL’s TA Score: 3 bullish, 5 bearish.
According to our system of comparison, both FPAY and PYPL are a bad buy in the short-term.

Price Growth

FPAY (@Finance/Rental/Leasing) experienced а -1.69% price change this week, while PYPL (@Finance/Rental/Leasing) price change was +5.12% for the same time period.

The average weekly price growth across all stocks in the @Finance/Rental/Leasing industry was +4.25%. For the same industry, the average monthly price growth was +3.98%, and the average quarterly price growth was +16.48%.

Reported Earning Dates

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

PYPL is expected to report earnings on Jul 29, 2025.

Industries' Descriptions

@Finance/Rental/Leasing (+4.25% 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
PYPL($71.8B) has a higher market cap than FPAY($29.4M). PYPL has higher P/E ratio than FPAY: PYPL (16.93) vs FPAY (2.02). PYPL YTD gains are higher at: -13.720 vs. FPAY (-32.164). PYPL has higher annual earnings (EBITDA): 6.83B vs. FPAY (83.5M). PYPL has more cash in the bank: 14.1B vs. FPAY (5.73M). FPAY has less debt than PYPL: FPAY (108M) vs PYPL (9.68B). PYPL has higher revenues than FPAY: PYPL (29.8B) vs FPAY (108M).
FPAYPYPLFPAY / PYPL
Capitalization29.4M71.8B0%
EBITDA83.5M6.83B1%
Gain YTD-32.164-13.720234%
P/E Ratio2.0216.9312%
Revenue108M29.8B0%
Total Cash5.73M14.1B0%
Total Debt108M9.68B1%
FUNDAMENTALS RATINGS
FPAY vs PYPL: Fundamental Ratings
FPAY
PYPL
OUTLOOK RATING
1..100
7415
VALUATION
overvalued / fair valued / undervalued
1..100
85
Overvalued
92
Overvalued
PROFIT vs RISK RATING
1..100
100100
SMR RATING
1..100
9741
PRICE GROWTH RATING
1..100
8151
P/E GROWTH RATING
1..100
9739
SEASONALITY SCORE
1..100
50n/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.

FPAY's Valuation (85) in the Finance Or Rental Or Leasing industry is in the same range as PYPL (92) in the Data Processing Services industry. This means that FPAY’s stock grew similarly to PYPL’s over the last 12 months.

FPAY's Profit vs Risk Rating (100) in the Finance Or Rental Or Leasing industry is in the same range as PYPL (100) in the Data Processing Services industry. This means that FPAY’s stock grew similarly to PYPL’s over the last 12 months.

PYPL's SMR Rating (41) in the Data Processing Services industry is somewhat better than the same rating for FPAY (97) in the Finance Or Rental Or Leasing industry. This means that PYPL’s stock grew somewhat faster than FPAY’s over the last 12 months.

PYPL's Price Growth Rating (51) in the Data Processing Services industry is in the same range as FPAY (81) in the Finance Or Rental Or Leasing industry. This means that PYPL’s stock grew similarly to FPAY’s over the last 12 months.

PYPL's P/E Growth Rating (39) in the Data Processing Services industry is somewhat better than the same rating for FPAY (97) in the Finance Or Rental Or Leasing industry. This means that PYPL’s stock grew somewhat faster than FPAY’s over the last 12 months.

TECHNICAL ANALYSIS
Technical Analysis
FPAYPYPL
RSI
ODDS (%)
N/A
Bearish Trend 2 days ago
72%
Stochastic
ODDS (%)
Bullish Trend 2 days ago
86%
Bearish Trend 2 days ago
71%
Momentum
ODDS (%)
Bearish Trend 2 days ago
86%
Bearish Trend 2 days ago
73%
MACD
ODDS (%)
Bearish Trend 2 days ago
84%
Bearish Trend 2 days ago
69%
TrendWeek
ODDS (%)
Bearish Trend 2 days ago
86%
Bullish Trend 2 days ago
71%
TrendMonth
ODDS (%)
Bearish Trend 2 days ago
87%
Bullish Trend 2 days ago
69%
Advances
ODDS (%)
Bullish Trend 27 days ago
82%
Bullish Trend 2 days ago
68%
Declines
ODDS (%)
Bearish Trend 4 days ago
84%
Bearish Trend 11 days ago
74%
BollingerBands
ODDS (%)
Bullish Trend 2 days ago
82%
Bullish Trend 2 days ago
69%
Aroon
ODDS (%)
N/A
Bullish Trend 2 days ago
76%
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FPAY
Daily Signalchanged days ago
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PYPL
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FPAY and

Correlation & Price change

A.I.dvisor tells us that FPAY and PYPL 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 PYPL's prices will move in lockstep.

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Ticker /
NAME
Correlation
To FPAY
1D Price
Change %
FPAY100%
-0.85%
PYPL - FPAY
24%
Poorly correlated
+0.64%
SOFI - FPAY
24%
Poorly correlated
+2.44%
DFS - FPAY
22%
Poorly correlated
N/A
R - FPAY
21%
Poorly correlated
+1.30%
AAMCF - FPAY
21%
Poorly correlated
N/A
More