FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis

NASDAQ:FLYW • US3024921039

12.56 USD
+0.13 (+1.05%)
At close: Mar 3, 2026
12.56 USD
0 (0%)
After Hours: 3/3/2026, 8:11:49 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

FLYW gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 97 industry peers in the Financial Services industry. While FLYW has a great health rating, there are worries on its profitability. While showing a medium growth rate, FLYW is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • FLYW had positive earnings in the past year.
  • In the past year FLYW had a positive cash flow from operations.
  • In the past 5 years FLYW reported 4 times negative net income.
  • Of the past 5 years FLYW 4 years 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 0 20M -20M 40M 60M 80M

1.2 Ratios

  • FLYW has a worse Return On Assets (-0.19%) than 73.20% of its industry peers.
  • FLYW's Return On Equity of -0.29% is on the low side compared to the rest of the industry. FLYW is outperformed by 69.07% of its industry peers.
  • FLYW's Return On Invested Capital of 1.68% is in line compared to the rest of the industry. FLYW outperforms 44.33% of its industry peers.
Industry RankSector Rank
ROA -0.19%
ROE -0.29%
ROIC 1.68%
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

  • Looking at the Operating Margin, with a value of 3.15%, FLYW is doing worse than 65.98% of the companies in the same industry.
  • Looking at the Gross Margin, with a value of 62.58%, FLYW is in the better half of the industry, outperforming 75.26% of the companies in the same industry.
  • FLYW's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 3.15%
PM (TTM) N/A
GM 62.58%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. Health

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FLYW is destroying value.
  • FLYW has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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

  • FLYW has an Altman-Z score of 2.63. This is not the best score and indicates that FLYW is in the grey zone with still only limited risk for bankruptcy at the moment.
  • With an excellent Altman-Z score value of 2.63, FLYW belongs to the best of the industry, outperforming 82.47% of the companies in the same industry.
  • FLYW has a debt to FCF ratio of 0.32. This is a very positive value and a sign of high solvency as it would only need 0.32 years to pay back of all of its debts.
  • FLYW has a better Debt to FCF ratio (0.32) than 86.60% of its industry peers.
  • A Debt/Equity ratio of 0.02 indicates that FLYW is not too dependend on debt financing.
  • The Debt to Equity ratio of FLYW (0.02) is better than 85.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.32
Altman-Z 2.63
ROIC/WACC0.19
WACC8.69%
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

  • FLYW has a Current Ratio of 1.53. This is a normal value and indicates that FLYW is financially healthy and should not expect problems in meeting its short term obligations.
  • FLYW has a Current ratio of 1.53. This is in the better half of the industry: FLYW outperforms 69.07% of its industry peers.
  • A Quick Ratio of 1.53 indicates that FLYW should not have too much problems paying its short term obligations.
  • FLYW's Quick ratio of 1.53 is fine compared to the rest of the industry. FLYW outperforms 71.13% of its industry peers.
Industry RankSector Rank
Current Ratio 1.53
Quick Ratio 1.53
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • FLYW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 650.00%, which is quite impressive.
EPS 1Y (TTM)650%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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 92.56% yearly.
  • Based on estimates for the next years, FLYW will show a quite strong growth in Revenue. The Revenue will grow by 17.76% on average per year.
EPS Next Y100.6%
EPS Next 2Y79.46%
EPS Next 3Y92.56%
EPS Next 5YN/A
Revenue Next Year18.71%
Revenue Next 2Y17.17%
Revenue Next 3Y17.76%
Revenue Next 5YN/A

3.3 Evolution

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 0.5 1

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Find the best growth stocksShow best growing peers

2

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 83.73, the valuation of FLYW can be described as expensive.
  • Based on the Price/Earnings ratio, FLYW is valued a bit more expensive than 78.35% of the companies in the same industry.
  • FLYW is valuated expensively when we compare the Price/Earnings ratio to 26.83, which is the current average of the S&P500 Index.
  • FLYW is valuated quite expensively with a Price/Forward Earnings ratio of 41.74.
  • 75.26% of the companies in the same industry are cheaper than FLYW, based on the Price/Forward Earnings ratio.
  • When comparing the Price/Forward Earnings ratio of FLYW to the average of the S&P500 Index (24.95), we can say FLYW is valued expensively.
Industry RankSector Rank
PE 83.73
Fwd PE 41.74
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 ratio is in line with the industry average.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FLYW is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 32.94
EV/EBITDA 26.67
FLYW Per share dataFLYW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

  • The 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 92.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.83
PEG (5Y)N/A
EPS Next 2Y79.46%
EPS Next 3Y92.56%

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

0

5. Dividend

5.1 Amount

  • No dividends for FLYW!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

FLYWIRE CORP-VOTING

NASDAQ:FLYW (3/3/2026, 8:11:49 PM)

After market: 12.56 0 (0%)

12.56

+0.13 (+1.05%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-24
Earnings (Next)05-04
Inst Owners93.55%
Inst Owner Change2.36%
Ins Owners3.39%
Ins Owner Change18.38%
Market Cap1.52B
Revenue(TTM)N/A
Net Income(TTM)-2.44M
Analysts76.36
Price Target17.58 (39.97%)
Short Float %4.06%
Short Ratio3
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)1
Avg EPS beat(2)-10.43%
Min EPS beat(2)-42.09%
Max EPS beat(2)21.23%
EPS beat(4)2
Avg EPS beat(4)-588.12%
Min EPS beat(4)-2335.76%
Max EPS beat(4)21.23%
EPS beat(8)4
Avg EPS beat(8)-283.94%
EPS beat(12)6
Avg EPS beat(12)-179.24%
EPS beat(16)6
Avg EPS beat(16)-167.66%
Revenue beat(2)2
Avg Revenue beat(2)6.85%
Min Revenue beat(2)5.96%
Max Revenue beat(2)7.75%
Revenue beat(4)3
Avg Revenue beat(4)3.13%
Min Revenue beat(4)-7.01%
Max Revenue beat(4)7.75%
Revenue beat(8)6
Avg Revenue beat(8)3.16%
Revenue beat(12)9
Avg Revenue beat(12)4.28%
Revenue beat(16)13
Avg Revenue beat(16)5.98%
PT rev (1m)1.85%
PT rev (3m)4.95%
EPS NQ rev (1m)-10.08%
EPS NQ rev (3m)15.95%
EPS NY rev (1m)0%
EPS NY rev (3m)54.23%
Revenue NQ rev (1m)0.23%
Revenue NQ rev (3m)0.86%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.01%
Valuation
Industry RankSector Rank
PE 83.73
Fwd PE 41.74
P/S 2.61
P/FCF 32.94
P/OCF 28.28
P/B 1.84
P/tB 6.65
EV/EBITDA 26.67
EPS(TTM)0.15
EY1.19%
EPS(NY)0.3
Fwd EY2.4%
FCF(TTM)0.38
FCFY3.04%
OCF(TTM)0.44
OCFY3.54%
SpS4.81
BVpS6.84
TBVpS1.89
PEG (NY)0.83
PEG (5Y)N/A
Graham Number4.81
Profitability
Industry RankSector Rank
ROA -0.19%
ROE -0.29%
ROCE 2.13%
ROIC 1.68%
ROICexc 2.98%
ROICexgc N/A
OM 3.15%
PM (TTM) N/A
GM 62.58%
FCFM 7.93%
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
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-0.62%
GM growth 5Y0.84%
F-Score4
Asset Turnover0.46
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.32
Debt/EBITDA 0.36
Cap/Depr 32.12%
Cap/Sales 1.31%
Interest Coverage 250
Cash Conversion 127.97%
Profit Quality N/A
Current Ratio 1.53
Quick Ratio 1.53
Altman-Z 2.63
F-Score4
WACC8.69%
ROIC/WACC0.19
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)650%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
EPS Next Y100.6%
EPS Next 2Y79.46%
EPS Next 3Y92.56%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%39.67%
Revenue Next Year18.71%
Revenue Next 2Y17.17%
Revenue Next 3Y17.76%
Revenue Next 5YN/A
EBIT growth 1Y265.42%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year63823.7%
EBIT Next 3Y911.32%
EBIT Next 5Y507.35%
FCF growth 1Y-1.81%
FCF growth 3Y101.29%
FCF growth 5Y205.55%
OCF growth 1Y-0.39%
OCF growth 3Y74.78%
OCF growth 5Y86.35%

FLYWIRE CORP-VOTING / FLYW FAQ

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

ChartMill assigns a fundamental rating of 4 / 10 to FLYW.


What is the valuation status for FLYW stock?

ChartMill assigns a valuation rating of 2 / 10 to FLYWIRE CORP-VOTING (FLYW). This can be considered as Overvalued.


What is the profitability of FLYW stock?

FLYWIRE CORP-VOTING (FLYW) has a profitability rating of 2 / 10.


Can you provide the PE and PB ratios for FLYW stock?

The Price/Earnings (PE) ratio for FLYWIRE CORP-VOTING (FLYW) is 83.73 and the Price/Book (PB) ratio is 1.84.