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FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis

NASDAQ:FLYW - Nasdaq - US3024921039 - Common Stock - Currency: USD

9.995  +0.27 (+2.83%)

Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to FLYW. FLYW was compared to 101 industry peers in the Financial Services industry. While FLYW has a great health rating, there are worries on its profitability. FLYW is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year FLYW was profitable.
FLYW had a positive operating cash flow in the past year.
FLYW had negative earnings in 4 of the past 5 years.
FLYW had a positive operating cash flow in 4 of the past 5 years.
FLYW Yearly Net Income VS EBIT VS OCF VS FCFFLYW Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M 80M

1.2 Ratios

FLYW has a Return On Assets of 0.26%. This is in the lower half of the industry: FLYW underperforms 73.27% of its industry peers.
FLYW's Return On Equity of 0.36% is on the low side compared to the rest of the industry. FLYW is outperformed by 77.23% of its industry peers.
Industry RankSector Rank
ROA 0.26%
ROE 0.36%
ROIC N/A
ROA(3y)-2.12%
ROA(5y)-2.97%
ROE(3y)-2.96%
ROE(5y)-4.44%
ROIC(3y)N/A
ROIC(5y)N/A
FLYW Yearly ROA, ROE, ROICFLYW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 -10 -20 -30 -40 -50

1.3 Margins

FLYW's Profit Margin of 0.59% is on the low side compared to the rest of the industry. FLYW is outperformed by 72.28% of its industry peers.
FLYW has a better Gross Margin (63.94%) than 78.22% of its industry peers.
In the last couple of years the Gross Margin of FLYW has remained more or less at the same level.
Industry RankSector Rank
OM N/A
PM (TTM) 0.59%
GM 63.94%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.62%
GM growth 5Y0.84%
FLYW Yearly Profit, Operating, Gross MarginsFLYW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 20 -20 40 60

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8

2. Health

2.1 Basic Checks

FLYW does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FLYW has been increased compared to 1 year ago.
Compared to 5 years ago, FLYW has more shares outstanding
There is no outstanding debt for FLYW. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
FLYW Yearly Shares OutstandingFLYW Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
FLYW Yearly Total Debt VS Total AssetsFLYW Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

An Altman-Z score of 3.02 indicates that FLYW is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 3.02, FLYW belongs to the best of the industry, outperforming 86.14% of the companies in the same industry.
There is no outstanding debt for FLYW. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 3.02
ROIC/WACCN/A
WACC9.48%
FLYW Yearly LT Debt VS Equity VS FCFFLYW Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

2.3 Liquidity

A Current Ratio of 2.63 indicates that FLYW has no problem at all paying its short term obligations.
FLYW's Current ratio of 2.63 is amongst the best of the industry. FLYW outperforms 82.18% of its industry peers.
FLYW has a Quick Ratio of 2.63. This indicates that FLYW is financially healthy and has no problem in meeting its short term obligations.
FLYW has a Quick ratio of 2.63. This is amongst the best in the industry. FLYW outperforms 83.17% of its industry peers.
Industry RankSector Rank
Current Ratio 2.63
Quick Ratio 2.63
FLYW Yearly Current Assets VS Current LiabilitesFLYW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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7

3. Growth

3.1 Past

FLYW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 122.22%, which is quite impressive.
FLYW shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.08%.
FLYW shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 38.98% yearly.
EPS 1Y (TTM)122.22%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1300%
Revenue 1Y (TTM)22.08%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%12.19%

3.2 Future

The Earnings Per Share is expected to grow by 209.54% on average over the next years. This is a very strong growth
Based on estimates for the next years, FLYW will show a quite strong growth in Revenue. The Revenue will grow by 17.30% on average per year.
EPS Next Y588.5%
EPS Next 2Y298.26%
EPS Next 3Y174%
EPS Next 5Y209.54%
Revenue Next Year13.99%
Revenue Next 2Y15.1%
Revenue Next 3Y15.26%
Revenue Next 5Y17.3%

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
FLYW Yearly Revenue VS EstimatesFLYW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M
FLYW Yearly EPS VS EstimatesFLYW Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 0.5 1 1.5

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3

4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 499.75, FLYW can be considered very expensive at the moment.
79.21% of the companies in the same industry are cheaper than FLYW, based on the Price/Earnings ratio.
When comparing the Price/Earnings ratio of FLYW to the average of the S&P500 Index (28.10), we can say FLYW is valued expensively.
FLYW is valuated quite expensively with a Price/Forward Earnings ratio of 72.59.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FLYW indicates a slightly more expensive valuation: FLYW is more expensive than 75.25% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 20.74. FLYW is valued rather expensively when compared to this.
Industry RankSector Rank
PE 499.75
Fwd PE 72.59
FLYW Price Earnings VS Forward Price EarningsFLYW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 100 200 300 400

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FLYW indicates a slightly more expensive valuation: FLYW is more expensive than 64.36% of the companies listed in the same industry.
68.32% of the companies in the same industry are more expensive than FLYW, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 14.29
EV/EBITDA 42.75
FLYW Per share dataFLYW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

FLYW's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FLYW's earnings are expected to grow with 174.00% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.85
PEG (5Y)N/A
EPS Next 2Y298.26%
EPS Next 3Y174%

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0

5. Dividend

5.1 Amount

FLYW does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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FLYWIRE CORP-VOTING

NASDAQ:FLYW (5/6/2025, 10:33:08 AM)

9.995

+0.27 (+2.83%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-25 2025-02-25/amc
Earnings (Next)05-06 2025-05-06/amc
Inst Owners97.16%
Inst Owner Change-3.36%
Ins Owners2.27%
Ins Owner Change17.8%
Market Cap1.22B
Analysts73.64
Price Target17.97 (79.79%)
Short Float %3.49%
Short Ratio1.23
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)-1121.01%
Min EPS beat(2)-2335.76%
Max EPS beat(2)93.73%
EPS beat(4)1
Avg EPS beat(4)-592.07%
Min EPS beat(4)-2335.76%
Max EPS beat(4)93.73%
EPS beat(8)3
Avg EPS beat(8)-277.98%
EPS beat(12)4
Avg EPS beat(12)-212.03%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)-1.85%
Min Revenue beat(2)-7.01%
Max Revenue beat(2)3.32%
Revenue beat(4)2
Avg Revenue beat(4)-0.77%
Min Revenue beat(4)-7.01%
Max Revenue beat(4)3.32%
Revenue beat(8)5
Avg Revenue beat(8)3.26%
Revenue beat(12)9
Avg Revenue beat(12)4.65%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)-7.29%
PT rev (3m)-28.1%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-81.18%
EPS NY rev (1m)0%
EPS NY rev (3m)-46%
Revenue NQ rev (1m)0.07%
Revenue NQ rev (3m)-8.79%
Revenue NY rev (1m)0.07%
Revenue NY rev (3m)-7.98%
Valuation
Industry RankSector Rank
PE 499.75
Fwd PE 72.59
P/S 2.48
P/FCF 14.29
P/OCF 13.32
P/B 1.5
P/tB 2.23
EV/EBITDA 42.75
EPS(TTM)0.02
EY0.2%
EPS(NY)0.14
Fwd EY1.38%
FCF(TTM)0.7
FCFY7%
OCF(TTM)0.75
OCFY7.51%
SpS4.04
BVpS6.68
TBVpS4.48
PEG (NY)0.85
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.26%
ROE 0.36%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 0.59%
GM 63.94%
FCFM 17.32%
ROA(3y)-2.12%
ROA(5y)-2.97%
ROE(3y)-2.96%
ROE(5y)-4.44%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.62%
GM growth 5Y0.84%
F-Score8
Asset Turnover0.44
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 35.94%
Cap/Sales 1.27%
Interest Coverage N/A
Cash Conversion 854.2%
Profit Quality 2938.86%
Current Ratio 2.63
Quick Ratio 2.63
Altman-Z 3.02
F-Score8
WACC9.48%
ROIC/WACCN/A
Cap/Depr(3y)43.86%
Cap/Depr(5y)47.46%
Cap/Sales(3y)1.73%
Cap/Sales(5y)2.03%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)122.22%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1300%
EPS Next Y588.5%
EPS Next 2Y298.26%
EPS Next 3Y174%
EPS Next 5Y209.54%
Revenue 1Y (TTM)22.08%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%12.19%
Revenue Next Year13.99%
Revenue Next 2Y15.1%
Revenue Next 3Y15.26%
Revenue Next 5Y17.3%
EBIT growth 1Y68.5%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year56736.3%
EBIT Next 3Y887.93%
EBIT Next 5Y512.8%
FCF growth 1Y14.23%
FCF growth 3Y101.29%
FCF growth 5Y205.55%
OCF growth 1Y13.45%
OCF growth 3Y74.78%
OCF growth 5Y86.35%