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FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:FLYW - US3024921039 - Common Stock

13.48 USD
+0.11 (+0.82%)
Last: 11/24/2025, 12:57:26 PM
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FLYW. FLYW was compared to 98 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

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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

FLYW's Return On Assets of -0.19% is on the low side compared to the rest of the industry. FLYW is outperformed by 75.51% of its industry peers.
Looking at the Return On Equity, with a value of -0.29%, FLYW is doing worse than 73.47% of the companies in the same industry.
FLYW has a Return On Invested Capital of 1.68%. This is comparable to the rest of the industry: FLYW outperforms 42.86% 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

FLYW has a Operating Margin of 3.15%. This is in the lower half of the industry: FLYW underperforms 69.39% of its industry peers.
FLYW has a better Gross Margin (62.58%) than 75.51% of its industry peers.
In the last couple of years the Gross Margin of FLYW has remained more or less at the same level.
Industry RankSector Rank
OM 3.15%
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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7

2. Health

2.1 Basic Checks

FLYW has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
Compared to 1 year ago, FLYW has more shares outstanding
FLYW has more shares outstanding than it did 5 years ago.
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 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 2.81 indicates that FLYW is not a great score, but indicates only limited risk for bankruptcy at the moment.
FLYW's Altman-Z score of 2.81 is amongst the best of the industry. FLYW outperforms 83.67% 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.
FLYW's Debt to FCF ratio of 0.32 is amongst the best of the industry. FLYW outperforms 86.73% 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.
The Debt to Equity ratio of FLYW (0.02) is better than 85.71% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.32
Altman-Z 2.81
ROIC/WACC0.19
WACC8.7%
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.
Looking at the Current ratio, with a value of 1.53, FLYW is in the better half of the industry, outperforming 70.41% of the companies in the same industry.
FLYW has a Quick 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.
With a decent Quick ratio value of 1.53, FLYW is doing good in the industry, outperforming 72.45% 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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6

3. Growth

3.1 Past

The earnings per share for FLYW have decreased strongly by -80.00% in the last year.
Looking at the last year, FLYW shows a very strong growth in Revenue. The Revenue has grown by 22.71%.
FLYW shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 38.98% yearly.
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
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 Y269.75%
EPS Next 2Y287.88%
EPS Next 3Y187.74%
EPS Next 5Y209.54%
Revenue Next Year20.99%
Revenue Next 2Y18.34%
Revenue Next 3Y17.31%
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

FLYW is valuated quite expensively with a Price/Earnings ratio of 449.33.
Based on the Price/Earnings ratio, FLYW is valued more expensive than 80.61% of the companies in the same industry.
When comparing the Price/Earnings ratio of FLYW to the average of the S&P500 Index (25.47), we can say FLYW is valued expensively.
FLYW is valuated quite expensively with a Price/Forward Earnings ratio of 44.80.
FLYW's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FLYW is more expensive than 76.53% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.42. FLYW is valued slightly more expensive when compared to this.
Industry RankSector Rank
PE 449.33
Fwd PE 44.8
FLYW Price Earnings VS Forward Price EarningsFLYW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 100 200 300 400

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 35.67
EV/EBITDA 29.73
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 PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as FLYW's earnings are expected to grow with 187.74% in the coming years.
PEG (NY)1.67
PEG (5Y)N/A
EPS Next 2Y287.88%
EPS Next 3Y187.74%

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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 (11/24/2025, 12:57:26 PM)

13.48

+0.11 (+0.82%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-23 2026-02-23/amc
Inst Owners88.33%
Inst Owner Change3.03%
Ins Owners3.45%
Ins Owner Change-0.58%
Market Cap1.65B
Revenue(TTM)583.03M
Net Income(TTM)-2.44M
Analysts73.64
Price Target16.75 (24.26%)
Short Float %4.02%
Short Ratio2.49
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)-10.43%
Min EPS beat(2)-42.09%
Max EPS beat(2)21.23%
EPS beat(4)2
Avg EPS beat(4)-537.08%
Min EPS beat(4)-2335.76%
Max EPS beat(4)208.3%
EPS beat(8)4
Avg EPS beat(8)-258.4%
EPS beat(12)6
Avg EPS beat(12)-162.21%
EPS beat(16)6
Avg EPS beat(16)-154.89%
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)15.59%
PT rev (3m)15.59%
EPS NQ rev (1m)-172.75%
EPS NQ rev (3m)-221.22%
EPS NY rev (1m)1.75%
EPS NY rev (3m)12.51%
Revenue NQ rev (1m)4.19%
Revenue NQ rev (3m)4.82%
Revenue NY rev (1m)0.13%
Revenue NY rev (3m)0.44%
Valuation
Industry RankSector Rank
PE 449.33
Fwd PE 44.8
P/S 2.83
P/FCF 35.67
P/OCF 30.63
P/B 1.99
P/tB 7.21
EV/EBITDA 29.73
EPS(TTM)0.03
EY0.22%
EPS(NY)0.3
Fwd EY2.23%
FCF(TTM)0.38
FCFY2.8%
OCF(TTM)0.44
OCFY3.26%
SpS4.77
BVpS6.78
TBVpS1.87
PEG (NY)1.67
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 2.81
F-Score4
WACC8.7%
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 Y269.75%
EPS Next 2Y287.88%
EPS Next 3Y187.74%
EPS Next 5Y209.54%
Revenue 1Y (TTM)22.71%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%27.63%
Revenue Next Year20.99%
Revenue Next 2Y18.34%
Revenue Next 3Y17.31%
Revenue Next 5Y17.39%
EBIT growth 1Y265.42%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year70514.7%
EBIT Next 3Y893.35%
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 of FLYWIRE CORP-VOTING (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 expected EPS growth for FLYW stock?

The Earnings per Share (EPS) of FLYWIRE CORP-VOTING (FLYW) is expected to grow by 269.75% in the next year.