FlexShopper (NASDAQ:FPAY) and Triton International (NYSE:TRTN) are both finance companies, but which is the superior investment? We will contrast the two companies based on the strength of their dividends, earnings, valuation, institutional ownership, profitability, risk and analyst recommendations.

Dividends

Triton International pays an annual dividend of $2.08 per share and has a dividend yield of 6.1%. FlexShopper does not pay a dividend. Triton International pays out 74.8% of its earnings in the form of a dividend.

Institutional and Insider Ownership

3.2% of FlexShopper shares are held by institutional investors. Comparatively, 65.7% of Triton International shares are held by institutional investors. 15.1% of FlexShopper shares are held by insiders. Comparatively, 1.4% of Triton International shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock is poised for long-term growth.

Profitability

This table compares FlexShopper and Triton International’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
FlexShopper -14.34% N/A -35.47%
Triton International 37.41% 14.44% 3.34%

Valuation and Earnings

This table compares FlexShopper and Triton International’s revenue, earnings per share (EPS) and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
FlexShopper $67.05 million 0.19 -$8.33 million N/A N/A
Triton International $1.16 billion 2.35 $344.59 million $2.78 12.32

Triton International has higher revenue and earnings than FlexShopper.

Analyst Recommendations

This is a summary of recent recommendations and price targets for FlexShopper and Triton International, as reported by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
FlexShopper 0 0 0 0 N/A
Triton International 0 1 4 0 2.80

Triton International has a consensus price target of $40.40, indicating a potential upside of 17.92%. Given Triton International’s higher possible upside, analysts plainly believe Triton International is more favorable than FlexShopper.

Volatility & Risk

FlexShopper has a beta of 0.15, suggesting that its stock price is 85% less volatile than the S&P 500. Comparatively, Triton International has a beta of 2.86, suggesting that its stock price is 186% more volatile than the S&P 500.

Summary

Triton International beats FlexShopper on 11 of the 13 factors compared between the two stocks.

FlexShopper Company Profile

FlexShopper, Inc., through its wholly owned subsidiary, FlexShopper, LLC, provides various types of durable goods to consumers on a lease-to-own basis (LTO) to consumers of third party retailers and e-tailers. It offers products through FlexShopper.com, an LTO e-commerce marketplace; e-commerce sites and in-store terminals by utilizing FlexShopper's LTO payment method; and facilitation of LTO transactions with retailers. 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.

Triton International Company Profile

Triton International Limited engages in the acquisition, leasing, re-leasing, and sale of various types of intermodal transportation equipment to shipping lines, and freight forwarding companies and manufacturers. It operates in two segments, Equipment Leasing and Equipment Trading. The company primarily leases dry freight, refrigerated, special, and tank containers; and chassis used for the transportation of containers, as well as manages containers owned by third parties. As of December 31, 2017, its total fleet consisted of 3,429,796 containers and chassis representing 5,648,987 twenty-foot equivalent units. The company also purchases containers from shipping line customers and other sellers, and resells these containers to container retailers and users. It operates in Asia, Europe, the Americas, Bermuda, and internationally. The company was founded in 1980 and is headquartered in Hamilton, Bermuda.

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