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FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis

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

10.38  +0.11 (+1.07%)

After market: 10.38 0 (0%)

Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FLYW. FLYW was compared to 99 industry peers in the Financial Services industry. While FLYW has a great health rating, there are worries on its profitability. FLYW is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

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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.
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 worse Return On Assets (0.47%) than 64.65% of its industry peers.
Looking at the Return On Equity, with a value of 0.63%, FLYW is doing worse than 73.74% of the companies in the same industry.
Industry RankSector Rank
ROA 0.47%
ROE 0.63%
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 0.97% is on the low side compared to the rest of the industry. FLYW is outperformed by 72.73% of its industry peers.
Looking at the Gross Margin, with a value of 63.56%, FLYW is in the better half of the industry, outperforming 77.78% 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 N/A
PM (TTM) 0.97%
GM 63.56%
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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7

2. Health

2.1 Basic Checks

FLYW does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, FLYW has more shares outstanding
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 3.21 indicates that FLYW is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.21, FLYW belongs to the top of the industry, outperforming 84.85% of the companies in the same industry.
The Debt to FCF ratio of FLYW is 1.35, which is an excellent value as it means it would take FLYW, only 1.35 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FLYW (1.35) is better than 77.78% of its industry peers.
FLYW has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
FLYW has a Debt to Equity ratio of 0.08. This is in the better half of the industry: FLYW outperforms 79.80% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.35
Altman-Z 3.21
ROIC/WACCN/A
WACC9.13%
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 2.02. This indicates that FLYW is financially healthy and has no problem in meeting its short term obligations.
FLYW has a better Current ratio (2.02) than 76.77% of its industry peers.
FLYW has a Quick Ratio of 2.02. This indicates that FLYW is financially healthy and has no problem in meeting its short term obligations.
FLYW has a better Quick ratio (2.02) than 77.78% of its industry peers.
Industry RankSector Rank
Current Ratio 2.02
Quick Ratio 2.02
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 181.82%, which is quite impressive.
Looking at the last year, FLYW shows a very strong growth in Revenue. The Revenue has grown by 20.96%.
The Revenue has been growing by 38.98% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)181.82%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%140%
Revenue 1Y (TTM)20.96%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%16.96%

3.2 Future

FLYW is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 209.54% yearly.
FLYW is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.39% yearly.
EPS Next Y410%
EPS Next 2Y317.77%
EPS Next 3Y211.47%
EPS Next 5Y209.54%
Revenue Next Year18.11%
Revenue Next 2Y16.76%
Revenue Next 3Y15.97%
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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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 115.33, the valuation of FLYW can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of FLYW indicates a rather expensive valuation: FLYW more expensive than 80.81% of the companies listed in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.59, FLYW is valued quite expensively.
FLYW is valuated quite expensively with a Price/Forward Earnings ratio of 29.74.
Based on the Price/Forward Earnings ratio, FLYW is valued a bit more expensive than 74.75% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FLYW to the average of the S&P500 Index (22.39), we can say FLYW is valued slightly more expensively.
Industry RankSector Rank
PE 115.33
Fwd PE 29.74
FLYW Price Earnings VS Forward Price EarningsFLYW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

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 67.68% of the companies listed in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as FLYW.
Industry RankSector Rank
P/FCF 28.39
EV/EBITDA 59.75
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.
A more expensive valuation may be justified as FLYW's earnings are expected to grow with 211.47% in the coming years.
PEG (NY)0.28
PEG (5Y)N/A
EPS Next 2Y317.77%
EPS Next 3Y211.47%

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0

5. Dividend

5.1 Amount

No dividends for FLYW!.
Industry RankSector Rank
Dividend Yield N/A

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FLYWIRE CORP-VOTING

NASDAQ:FLYW (6/10/2025, 8:00:01 PM)

After market: 10.38 0 (0%)

10.38

+0.11 (+1.07%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-06 2025-05-06/amc
Earnings (Next)08-04 2025-08-04/amc
Inst Owners97.16%
Inst Owner Change-10.19%
Ins Owners2.27%
Ins Owner Change18.78%
Market Cap1.26B
Analysts74.29
Price Target15.34 (47.78%)
Short Float %4.81%
Short Ratio2.01
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)-1063.73%
Min EPS beat(2)-2335.76%
Max EPS beat(2)208.3%
EPS beat(4)2
Avg EPS beat(4)-511.08%
Min EPS beat(4)-2335.76%
Max EPS beat(4)208.3%
EPS beat(8)3
Avg EPS beat(8)-258.31%
EPS beat(12)5
Avg EPS beat(12)-178.08%
EPS beat(16)6
Avg EPS beat(16)-25.47%
Revenue beat(2)1
Avg Revenue beat(2)-0.58%
Min Revenue beat(2)-7.01%
Max Revenue beat(2)5.84%
Revenue beat(4)2
Avg Revenue beat(4)0.25%
Min Revenue beat(4)-7.01%
Max Revenue beat(4)5.84%
Revenue beat(8)5
Avg Revenue beat(8)2.7%
Revenue beat(12)9
Avg Revenue beat(12)4.37%
Revenue beat(16)13
Avg Revenue beat(16)9.43%
PT rev (1m)-9.87%
PT rev (3m)-23.76%
EPS NQ rev (1m)-11.11%
EPS NQ rev (3m)-63.64%
EPS NY rev (1m)-25.93%
EPS NY rev (3m)-59.41%
Revenue NQ rev (1m)3.39%
Revenue NQ rev (3m)2.75%
Revenue NY rev (1m)1.52%
Revenue NY rev (3m)2.32%
Valuation
Industry RankSector Rank
PE 115.33
Fwd PE 29.74
P/S 2.47
P/FCF 28.39
P/OCF 24.9
P/B 1.61
P/tB 7.03
EV/EBITDA 59.75
EPS(TTM)0.09
EY0.87%
EPS(NY)0.35
Fwd EY3.36%
FCF(TTM)0.37
FCFY3.52%
OCF(TTM)0.42
OCFY4.02%
SpS4.21
BVpS6.45
TBVpS1.48
PEG (NY)0.28
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.47%
ROE 0.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 0.97%
GM 63.56%
FCFM 8.69%
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-Score7
Asset Turnover0.48
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.35
Debt/EBITDA 3.58
Cap/Depr 33.45%
Cap/Sales 1.22%
Interest Coverage N/A
Cash Conversion 302.24%
Profit Quality 896.65%
Current Ratio 2.02
Quick Ratio 2.02
Altman-Z 3.21
F-Score7
WACC9.13%
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)181.82%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%140%
EPS Next Y410%
EPS Next 2Y317.77%
EPS Next 3Y211.47%
EPS Next 5Y209.54%
Revenue 1Y (TTM)20.96%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%16.96%
Revenue Next Year18.11%
Revenue Next 2Y16.76%
Revenue Next 3Y15.97%
Revenue Next 5Y17.39%
EBIT growth 1Y91.02%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year56694%
EBIT Next 3Y874.15%
EBIT Next 5Y507.35%
FCF growth 1Y838.32%
FCF growth 3Y101.29%
FCF growth 5Y205.55%
OCF growth 1Y3086.86%
OCF growth 3Y74.78%
OCF growth 5Y86.35%