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FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis

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

11.79  -0.54 (-4.38%)

After market: 11.85 +0.06 (+0.51%)

Fundamental Rating

5

FLYW gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. No worries on liquidiy or solvency for FLYW as it has an excellent financial health rating, but there are worries on the profitability. FLYW shows excellent growth, but is valued quite expensive already.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year FLYW was profitable.
In the past year FLYW had a positive cash flow from operations.
FLYW had negative earnings in 4 of the past 5 years.
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

Looking at the Return On Assets, with a value of 0.47%, FLYW is doing worse than 63.37% of the companies in the same industry.
With a Return On Equity value of 0.63%, FLYW is not doing good in the industry: 72.28% of the companies in the same industry are doing better.
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 has a Profit Margin of 0.97%. This is in the lower half of the industry: FLYW underperforms 71.29% 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 76.24% 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
Compared to 5 years ago, FLYW has more shares outstanding
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 3.73 indicates that FLYW is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 3.73, FLYW belongs to the best of the industry, outperforming 85.15% 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 78.22% 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.
With a decent Debt to Equity ratio value of 0.08, FLYW is doing good in the industry, outperforming 79.21% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.35
Altman-Z 3.73
ROIC/WACCN/A
WACC8.87%
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.
The Current ratio of FLYW (2.02) is better than 76.24% of its industry peers.
A Quick Ratio of 2.02 indicates that FLYW has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 2.02, FLYW is in the better half of the industry, outperforming 77.23% of the companies in the same industry.
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

The Earnings Per Share has grown by an impressive 257.14% over the past year.
Looking at the last year, FLYW shows a very strong growth in Revenue. The Revenue has grown by 22.09%.
The Revenue has been growing by 38.98% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)257.14%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%18.18%
Revenue 1Y (TTM)22.09%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%22.98%

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 17.39% on average per year.
EPS Next Y600.08%
EPS Next 2Y329.03%
EPS Next 3Y184.88%
EPS Next 5Y209.54%
Revenue Next Year18.94%
Revenue Next 2Y17.08%
Revenue Next 3Y16.26%
Revenue Next 5Y17.39%

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

A Price/Earnings ratio of 107.18 indicates a quite expensive valuation of FLYW.
Based on the Price/Earnings ratio, FLYW is valued more expensive than 80.20% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.48. FLYW is valued rather expensively when compared to this.
The Price/Forward Earnings ratio is 32.03, 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 76.24% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 34.04, FLYW is valued at the same level.
Industry RankSector Rank
PE 107.18
Fwd PE 32.03
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

65.35% of the companies in the same industry are cheaper than FLYW, based on the Enterprise Value to EBITDA ratio.
FLYW's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 32.25
EV/EBITDA 73.88
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 184.88% in the coming years.
PEG (NY)0.18
PEG (5Y)N/A
EPS Next 2Y329.03%
EPS Next 3Y184.88%

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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 (8/8/2025, 8:00:00 PM)

After market: 11.85 +0.06 (+0.51%)

11.79

-0.54 (-4.38%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-05 2025-08-05/amc
Earnings (Next)11-05 2025-11-05/amc
Inst Owners91.17%
Inst Owner Change-2.79%
Ins Owners3.56%
Ins Owner Change26.94%
Market Cap1.43B
Analysts72.38
Price Target14.19 (20.36%)
Short Float %3.78%
Short Ratio1.85
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)0%
PT rev (3m)-16.27%
EPS NQ rev (1m)0.13%
EPS NQ rev (3m)-13.11%
EPS NY rev (1m)18.79%
EPS NY rev (3m)1.68%
Revenue NQ rev (1m)0.59%
Revenue NQ rev (3m)4.34%
Revenue NY rev (1m)0.66%
Revenue NY rev (3m)4.35%
Valuation
Industry RankSector Rank
PE 107.18
Fwd PE 32.03
P/S 2.8
P/FCF 32.25
P/OCF 28.28
P/B 1.83
P/tB 7.98
EV/EBITDA 73.88
EPS(TTM)0.11
EY0.93%
EPS(NY)0.37
Fwd EY3.12%
FCF(TTM)0.37
FCFY3.1%
OCF(TTM)0.42
OCFY3.54%
SpS4.21
BVpS6.45
TBVpS1.48
PEG (NY)0.18
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 3.73
F-Score7
WACC8.87%
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)257.14%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%18.18%
EPS Next Y600.08%
EPS Next 2Y329.03%
EPS Next 3Y184.88%
EPS Next 5Y209.54%
Revenue 1Y (TTM)22.09%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%22.98%
Revenue Next Year18.94%
Revenue Next 2Y17.08%
Revenue Next 3Y16.26%
Revenue Next 5Y17.39%
EBIT growth 1Y91.02%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year56979.4%
EBIT Next 3Y876.74%
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%