FLYWIRE CORP-VOTING (FLYW) Fundamental Analysis & Valuation

NASDAQ:FLYW • US3024921039

Current stock price

13.545 USD
-0.13 (-0.99%)
Last:

This FLYW fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. FLYW Profitability Analysis

1.1 Basic Checks

  • FLYW had positive earnings in the past year.
  • FLYW had a positive operating cash flow in the past year.
  • In multiple years FLYW reported negative net income over the last 5 years.
  • Each year in the past 5 years FLYW had a positive operating cash flow.
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 2025 0 20M -20M 40M 60M 80M 100M

1.2 Ratios

  • Looking at the Return On Assets, with a value of 1.08%, FLYW is in line with its industry, outperforming 48.00% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 1.62%, FLYW is doing worse than 68.00% of the companies in the same industry.
  • FLYW has a Return On Invested Capital (1.67%) which is comparable to the rest of the industry.
Industry RankSector Rank
ROA 1.08%
ROE 1.62%
ROIC 1.67%
ROA(3y)0.18%
ROA(5y)-1.94%
ROE(3y)0.29%
ROE(5y)-2.62%
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 2025 0 -10 -20 -30 -40 -50

1.3 Margins

  • The Profit Margin of FLYW (2.17%) is worse than 66.00% of its industry peers.
  • FLYW has a Operating Margin of 3.63%. This is in the lower half of the industry: FLYW underperforms 65.00% of its industry peers.
  • Looking at the Gross Margin, with a value of 61.42%, FLYW is in the better half of the industry, outperforming 75.00% of the companies in the same industry.
  • In the last couple of years the Gross Margin of FLYW has remained more or less at the same level.
Industry RankSector Rank
OM 3.63%
PM (TTM) 2.17%
GM 61.42%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.68%
GM growth 5Y-0.74%
FLYW Yearly Profit, Operating, Gross MarginsFLYW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. FLYW Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FLYW is destroying value.
  • FLYW has less shares outstanding than it did 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 2025 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 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • An Altman-Z score of 2.95 indicates that FLYW is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • FLYW has a Altman-Z score of 2.95. This is amongst the best in the industry. FLYW outperforms 84.00% of its industry peers.
  • 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 2.95
ROIC/WACC0.18
WACC9.06%
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 2025 0 200M 400M 600M 800M

2.3 Liquidity

  • FLYW has a Current Ratio of 1.50. This is a normal value and indicates that FLYW is financially healthy and should not expect problems in meeting its short term obligations.
  • With a decent Current ratio value of 1.50, FLYW is doing good in the industry, outperforming 68.00% of the companies in the same industry.
  • A Quick Ratio of 1.50 indicates that FLYW should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.50, FLYW is doing good in the industry, outperforming 71.00% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.5
Quick Ratio 1.5
FLYW Yearly Current Assets VS Current LiabilitesFLYW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. FLYW Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 650.00% over the past year.
  • Looking at the last year, FLYW shows a very strong growth in Revenue. The Revenue has grown by 26.59%.
  • Measured over the past years, FLYW shows a very strong growth in Revenue. The Revenue has been growing by 36.43% on average per year.
EPS 1Y (TTM)650%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
Revenue 1Y (TTM)26.59%
Revenue growth 3Y29.12%
Revenue growth 5Y36.43%
Sales Q2Q%39.67%

3.2 Future

  • FLYW is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 78.76% yearly.
  • Based on estimates for the next years, FLYW will show a quite strong growth in Revenue. The Revenue will grow by 17.61% on average per year.
EPS Next Y149.74%
EPS Next 2Y97.82%
EPS Next 3Y78.76%
EPS Next 5YN/A
Revenue Next Year20.57%
Revenue Next 2Y17.88%
Revenue Next 3Y17.61%
Revenue Next 5YN/A

3.3 Evolution

  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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 1B
FLYW Yearly EPS VS EstimatesFLYW Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 0.2 -0.2 0.4 -0.4 0.6 0.8

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3

4. FLYW Valuation Analysis

4.1 Price/Earnings Ratio

  • With a Price/Earnings ratio of 90.30, FLYW can be considered very expensive at the moment.
  • Based on the Price/Earnings ratio, FLYW is valued a bit more expensive than the industry average as 76.00% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Earnings ratio of 26.54, FLYW is valued quite expensively.
  • A Price/Forward Earnings ratio of 36.16 indicates a quite expensive valuation of FLYW.
  • FLYW's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FLYW is more expensive than 69.00% of the companies in the same industry.
  • FLYW's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 21.68.
Industry RankSector Rank
PE 90.3
Fwd PE 36.16
FLYW Price Earnings VS Forward Price EarningsFLYW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • FLYW's Enterprise Value to EBITDA is on the same level as the industry average.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as FLYW.
Industry RankSector Rank
P/FCF 18.18
EV/EBITDA 26.28
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.
  • A more expensive valuation may be justified as FLYW's earnings are expected to grow with 78.76% in the coming years.
PEG (NY)0.6
PEG (5Y)N/A
EPS Next 2Y97.82%
EPS Next 3Y78.76%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. FLYW Dividend Analysis

5.1 Amount

  • FLYW does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

FLYW Fundamentals: All Metrics, Ratios and Statistics

FLYWIRE CORP-VOTING

NASDAQ:FLYW (4/30/2026, 9:36:57 AM)

13.545

-0.13 (-0.99%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Industry Strength31.06
Industry Growth78.26
Earnings (Last)02-24
Earnings (Next)05-05
Inst Owners95.42%
Inst Owner Change-0.08%
Ins Owners5.87%
Ins Owner Change15.47%
Market Cap1.64B
Revenue(TTM)623.02M
Net Income(TTM)13.50M
Analysts77.27
Price Target16.44 (21.37%)
Short Float %3.89%
Short Ratio2.4
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)2
Avg EPS beat(2)60.62%
Min EPS beat(2)21.23%
Max EPS beat(2)100%
EPS beat(4)3
Avg EPS beat(4)20.82%
Min EPS beat(4)-42.09%
Max EPS beat(4)100%
EPS beat(8)4
Avg EPS beat(8)-285.63%
EPS beat(12)6
Avg EPS beat(12)-178.39%
EPS beat(16)7
Avg EPS beat(16)-153.82%
Revenue beat(2)2
Avg Revenue beat(2)6.62%
Min Revenue beat(2)5.49%
Max Revenue beat(2)7.75%
Revenue beat(4)4
Avg Revenue beat(4)6.26%
Min Revenue beat(4)5.49%
Max Revenue beat(4)7.75%
Revenue beat(8)6
Avg Revenue beat(8)2.75%
Revenue beat(12)9
Avg Revenue beat(12)4.26%
Revenue beat(16)13
Avg Revenue beat(16)5.05%
PT rev (1m)-6.47%
PT rev (3m)-4.74%
EPS NQ rev (1m)-3.9%
EPS NQ rev (3m)60.37%
EPS NY rev (1m)24.5%
EPS NY rev (3m)17.84%
Revenue NQ rev (1m)-0.23%
Revenue NQ rev (3m)8.02%
Revenue NY rev (1m)0.23%
Revenue NY rev (3m)4.7%
Valuation
Industry RankSector Rank
PE 90.3
Fwd PE 36.16
P/S 2.63
P/FCF 18.18
P/OCF 16.39
P/B 1.97
P/tB 6.85
EV/EBITDA 26.28
EPS(TTM)0.15
EY1.11%
EPS(NY)0.37
Fwd EY2.77%
FCF(TTM)0.75
FCFY5.5%
OCF(TTM)0.83
OCFY6.1%
SpS5.14
BVpS6.89
TBVpS1.98
PEG (NY)0.6
PEG (5Y)N/A
Graham Number4.82251 (-64.4%)
Profitability
Industry RankSector Rank
ROA 1.08%
ROE 1.62%
ROCE 2.65%
ROIC 1.67%
ROICexc 2.86%
ROICexgc N/A
OM 3.63%
PM (TTM) 2.17%
GM 61.42%
FCFM 14.5%
ROA(3y)0.18%
ROA(5y)-1.94%
ROE(3y)0.29%
ROE(5y)-2.62%
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
ROICexgc growth 3YN/A
ROICexgc 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-0.68%
GM growth 5Y-0.74%
F-Score7
Asset Turnover0.5
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 37.82%
Cap/Sales 1.58%
Interest Coverage 8.74
Cash Conversion 205.94%
Profit Quality 669.18%
Current Ratio 1.5
Quick Ratio 1.5
Altman-Z 2.95
F-Score7
WACC9.06%
ROIC/WACC0.18
Cap/Depr(3y)37.3%
Cap/Depr(5y)48.72%
Cap/Sales(3y)1.45%
Cap/Sales(5y)2.02%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)650%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
EPS Next Y149.74%
EPS Next 2Y97.82%
EPS Next 3Y78.76%
EPS Next 5YN/A
Revenue 1Y (TTM)26.59%
Revenue growth 3Y29.12%
Revenue growth 5Y36.43%
Sales Q2Q%39.67%
Revenue Next Year20.57%
Revenue Next 2Y17.88%
Revenue Next 3Y17.61%
Revenue Next 5YN/A
EBIT growth 1Y439.37%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1148.9%
EBIT Next 3Y170.89%
EBIT Next 5YN/A
FCF growth 1Y-2.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1.53%
OCF growth 3Y164.23%
OCF growth 5YN/A

FLYWIRE CORP-VOTING / FLYW Fundamental Analysis FAQ

What is the ChartMill fundamental rating of FLYWIRE CORP-VOTING (FLYW) stock?

ChartMill assigns a fundamental rating of 5 / 10 to FLYW.


What is the valuation status for FLYW stock?

ChartMill assigns a valuation rating of 3 / 10 to FLYWIRE CORP-VOTING (FLYW). This can be considered as Overvalued.


How profitable is FLYWIRE CORP-VOTING (FLYW) stock?

FLYWIRE CORP-VOTING (FLYW) has a profitability rating of 3 / 10.


How financially healthy is FLYWIRE CORP-VOTING?

The financial health rating of FLYWIRE CORP-VOTING (FLYW) is 7 / 10.