FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:FLYW • US3024921039

10.84 USD
-0.31 (-2.78%)
At close: Feb 5, 2026
10.84 USD
0 (0%)
After Hours: 2/5/2026, 5:34:21 PM
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.
  • FLYW had a positive operating cash flow in the past year.
  • 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 has a Return On Equity of -0.29%. This is in the lower half of the industry: FLYW underperforms 71.13% of its industry peers.
  • Looking at the Return On Invested Capital, with a value of 1.68%, FLYW is in line with its industry, outperforming 44.33% of the companies in the same industry.
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

  • With a Operating Margin value of 3.15%, FLYW is not doing good in the industry: 68.04% of the companies in the same industry are doing better.
  • FLYW has a Gross Margin of 62.58%. This is in the better half of the industry: FLYW outperforms 74.23% of its industry peers.
  • 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.
  • The number of shares outstanding for FLYW has been increased compared to 1 year ago.
  • FLYW has more shares outstanding than it did 5 years ago.
  • 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

  • An Altman-Z score of 2.43 indicates that FLYW is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • FLYW's Altman-Z score of 2.43 is amongst the best of the industry. FLYW outperforms 81.44% of its industry peers.
  • 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.
  • The Debt to FCF ratio of FLYW (0.32) is better than 86.60% of its industry peers.
  • FLYW has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
  • FLYW's Debt to Equity ratio of 0.02 is amongst the best of the industry. FLYW outperforms 85.57% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.32
Altman-Z 2.43
ROIC/WACC0.19
WACC8.93%
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 1.53 indicates that FLYW should not have too much problems paying its short term obligations.
  • FLYW has a better Current ratio (1.53) than 71.13% of its industry peers.
  • A Quick Ratio of 1.53 indicates that FLYW should not have too much problems paying its short term obligations.
  • With a decent Quick ratio value of 1.53, FLYW is doing good in the industry, outperforming 73.20% of the companies in the same industry.
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

6

3. Growth

3.1 Past

  • The earnings per share for FLYW have decreased strongly by -80.00% in the last year.
  • The Revenue has grown by 22.71% in the past year. This is a very strong growth!
  • The Revenue has been growing by 38.98% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-80%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-23.33%
Revenue 1Y (TTM)22.71%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%27.63%

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
  • The Revenue is expected to grow by 17.39% on average over the next years. This is quite good.
EPS Next Y470.28%
EPS Next 2Y298.69%
EPS Next 3Y199.48%
EPS Next 5Y209.54%
Revenue Next Year25.83%
Revenue Next 2Y20.39%
Revenue Next 3Y18.8%
Revenue Next 5Y17.39%

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
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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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 361.33, which means the current valuation is very expensive for FLYW.
  • Compared to the rest of the industry, the Price/Earnings ratio of FLYW indicates a slightly more expensive valuation: FLYW is more expensive than 78.35% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 27.67. FLYW is valued rather expensively when compared to this.
  • The Price/Forward Earnings ratio is 34.10, which means the current valuation is very expensive for FLYW.
  • Based on the Price/Forward Earnings ratio, FLYW is valued a bit more expensive than the industry average as 73.20% of the companies are valued more cheaply.
  • FLYW's Price/Forward Earnings ratio indicates a valuation a bit more expensive than the S&P500 average which is at 27.20.
Industry RankSector Rank
PE 361.33
Fwd PE 34.1
FLYW Price Earnings VS Forward Price EarningsFLYW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 100 200 300

4.2 Price Multiples

  • FLYW's Enterprise Value to EBITDA ratio is in line with the industry average.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as FLYW.
Industry RankSector Rank
P/FCF 28.64
EV/EBITDA 23.22
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 199.48% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.77
PEG (5Y)N/A
EPS Next 2Y298.69%
EPS Next 3Y199.48%

More info and screens

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

0

5. Dividend

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

FLYWIRE CORP-VOTING

NASDAQ:FLYW (2/5/2026, 5:34:21 PM)

After market: 10.84 0 (0%)

10.84

-0.31 (-2.78%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04
Earnings (Next)02-23
Inst Owners93.55%
Inst Owner Change-0.34%
Ins Owners3.39%
Ins Owner Change-1.25%
Market Cap1.32B
Revenue(TTM)583.03M
Net Income(TTM)-2.44M
Analysts73.64
Price Target17.26 (59.23%)
Short Float %3.8%
Short Ratio3.55
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)3.04%
PT rev (3m)14.04%
EPS NQ rev (1m)23.65%
EPS NQ rev (3m)-66.6%
EPS NY rev (1m)0.74%
EPS NY rev (3m)56.94%
Revenue NQ rev (1m)0.38%
Revenue NQ rev (3m)4.41%
Revenue NY rev (1m)0.36%
Revenue NY rev (3m)4.14%
Valuation
Industry RankSector Rank
PE 361.33
Fwd PE 34.1
P/S 2.27
P/FCF 28.64
P/OCF 24.59
P/B 1.6
P/tB 5.79
EV/EBITDA 23.22
EPS(TTM)0.03
EY0.28%
EPS(NY)0.32
Fwd EY2.93%
FCF(TTM)0.38
FCFY3.49%
OCF(TTM)0.44
OCFY4.07%
SpS4.77
BVpS6.79
TBVpS1.87
PEG (NY)0.77
PEG (5Y)N/A
Graham Number2.14
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 2.43
F-Score4
WACC8.93%
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)-80%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-23.33%
EPS Next Y470.28%
EPS Next 2Y298.69%
EPS Next 3Y199.48%
EPS Next 5Y209.54%
Revenue 1Y (TTM)22.71%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%27.63%
Revenue Next Year25.83%
Revenue Next 2Y20.39%
Revenue Next 3Y18.8%
Revenue Next 5Y17.39%
EBIT growth 1Y265.42%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year63459%
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 3 / 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 361.33 and the Price/Book (PB) ratio is 1.6.