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FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis

NASDAQ:FLYW - US3024921039 - Common Stock

13.15 USD
-0.01 (-0.08%)
Last: 8/29/2025, 8:22:58 PM
13.15 USD
0 (0%)
After Hours: 8/29/2025, 8:22:58 PM
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to FLYW. FLYW was compared to 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 is valued quite expensive, but it does show an excellent growth.


Dividend Valuation Growth Profitability Health

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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.
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's Return On Assets of 0.61% is on the low side compared to the rest of the industry. FLYW is outperformed by 60.78% of its industry peers.
With a Return On Equity value of 0.86%, FLYW is not doing good in the industry: 68.63% of the companies in the same industry are doing better.
FLYW has a Return On Invested Capital of 0.58%. This is in the lower half of the industry: FLYW underperforms 63.73% of its industry peers.
Industry RankSector Rank
ROA 0.61%
ROE 0.86%
ROIC 0.58%
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 worse Profit Margin (1.27%) than 66.67% of its industry peers.
With a Operating Margin value of 1.18%, FLYW is not doing good in the industry: 73.53% of the companies in the same industry are doing better.
FLYW's Gross Margin of 62.87% is fine compared to the rest of the industry. FLYW outperforms 75.49% 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 1.18%
PM (TTM) 1.27%
GM 62.87%
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

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FLYW is destroying value.
The number of shares outstanding for FLYW has been increased compared to 1 year ago.
The number of shares outstanding for FLYW has been increased compared to 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

FLYW has an Altman-Z score of 3.49. This indicates that FLYW is financially healthy and has little risk of bankruptcy at the moment.
FLYW's Altman-Z score of 3.49 is amongst the best of the industry. FLYW outperforms 83.33% of its industry peers.
FLYW has a debt to FCF ratio of 0.68. This is a very positive value and a sign of high solvency as it would only need 0.68 years to pay back of all of its debts.
FLYW has a Debt to FCF ratio of 0.68. This is amongst the best in the industry. FLYW outperforms 86.27% 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's Debt to Equity ratio of 0.08 is amongst the best of the industry. FLYW outperforms 81.37% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.68
Altman-Z 3.49
ROIC/WACC0.07
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

A Current Ratio of 1.87 indicates that FLYW should not have too much problems paying its short term obligations.
With a decent Current ratio value of 1.87, FLYW is doing good in the industry, outperforming 71.57% of the companies in the same industry.
FLYW has a Quick Ratio of 1.87. This is a normal value and indicates that FLYW is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.87, FLYW is in the better half of the industry, outperforming 74.51% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.87
Quick Ratio 1.87
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 242.86% over the past year.
The Revenue has grown by 22.21% in the past year. This is a very strong growth!
Measured over the past years, FLYW shows a very strong growth in Revenue. The Revenue has been growing by 38.98% on average per year.
EPS 1Y (TTM)242.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%9.09%
Revenue 1Y (TTM)22.21%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%27.21%

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
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 Y228.64%
EPS Next 2Y298.26%
EPS Next 3Y194.9%
EPS Next 5Y209.54%
Revenue Next Year20.46%
Revenue Next 2Y18.04%
Revenue Next 3Y17.31%
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 131.50 indicates a quite expensive valuation of FLYW.
78.43% of the companies in the same industry are cheaper than FLYW, based on the Price/Earnings ratio.
FLYW is valuated expensively when we compare the Price/Earnings ratio to 27.08, which is the current average of the S&P500 Index.
The Price/Forward Earnings ratio is 41.45, 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 74.51% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.72, FLYW is valued quite expensively.
Industry RankSector Rank
PE 131.5
Fwd PE 41.45
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

Based on the Enterprise Value to EBITDA ratio, FLYW is valued a bit more expensive than the industry average as 61.76% of the companies are valued more cheaply.
64.71% of the companies in the same industry are more expensive than FLYW, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 18.36
EV/EBITDA 49.69
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 194.90% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.58
PEG (5Y)N/A
EPS Next 2Y298.26%
EPS Next 3Y194.9%

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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 (8/29/2025, 8:22:58 PM)

After market: 13.15 0 (0%)

13.15

-0.01 (-0.08%)

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 Owners90.68%
Inst Owner Change-92.34%
Ins Owners3.54%
Ins Owner Change24.88%
Market Cap1.61B
Analysts72.38
Price Target14.49 (10.19%)
Short Float %3.96%
Short Ratio1.77
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)83.11%
Min EPS beat(2)-42.09%
Max EPS beat(2)208.3%
EPS beat(4)2
Avg EPS beat(4)-518.95%
Min EPS beat(4)-2335.76%
Max EPS beat(4)208.3%
EPS beat(8)3
Avg EPS beat(8)-263.29%
EPS beat(12)5
Avg EPS beat(12)-177.09%
EPS beat(16)6
Avg EPS beat(16)-27.42%
Revenue beat(2)2
Avg Revenue beat(2)5.9%
Min Revenue beat(2)5.84%
Max Revenue beat(2)5.96%
Revenue beat(4)3
Avg Revenue beat(4)2.03%
Min Revenue beat(4)-7.01%
Max Revenue beat(4)5.96%
Revenue beat(8)5
Avg Revenue beat(8)2.07%
Revenue beat(12)9
Avg Revenue beat(12)3.79%
Revenue beat(16)13
Avg Revenue beat(16)7.28%
PT rev (1m)-3.66%
PT rev (3m)-14.87%
EPS NQ rev (1m)-3.2%
EPS NQ rev (3m)-12.63%
EPS NY rev (1m)-53.06%
EPS NY rev (3m)-35.56%
Revenue NQ rev (1m)0.48%
Revenue NQ rev (3m)2.09%
Revenue NY rev (1m)1.28%
Revenue NY rev (3m)1.43%
Valuation
Industry RankSector Rank
PE 131.5
Fwd PE 41.45
P/S 2.98
P/FCF 18.36
P/OCF 17.1
P/B 2.03
P/tB 8.63
EV/EBITDA 49.69
EPS(TTM)0.1
EY0.76%
EPS(NY)0.32
Fwd EY2.41%
FCF(TTM)0.72
FCFY5.45%
OCF(TTM)0.77
OCFY5.85%
SpS4.41
BVpS6.48
TBVpS1.52
PEG (NY)0.58
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.61%
ROE 0.86%
ROCE 0.73%
ROIC 0.58%
ROICexc 0.84%
ROICexgc N/A
OM 1.18%
PM (TTM) 1.27%
GM 62.87%
FCFM 16.23%
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-Score6
Asset Turnover0.48
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.68
Debt/EBITDA 2.18
Cap/Depr 30.51%
Cap/Sales 1.2%
Interest Coverage 250
Cash Conversion 341.31%
Profit Quality 1282.75%
Current Ratio 1.87
Quick Ratio 1.87
Altman-Z 3.49
F-Score6
WACC8.87%
ROIC/WACC0.07
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)242.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%9.09%
EPS Next Y228.64%
EPS Next 2Y298.26%
EPS Next 3Y194.9%
EPS Next 5Y209.54%
Revenue 1Y (TTM)22.21%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%27.21%
Revenue Next Year20.46%
Revenue Next 2Y18.04%
Revenue Next 3Y17.31%
Revenue Next 5Y17.39%
EBIT growth 1Y132.82%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year56979.4%
EBIT Next 3Y876.74%
EBIT Next 5Y507.35%
FCF growth 1Y19369.3%
FCF growth 3Y101.29%
FCF growth 5Y205.55%
OCF growth 1Y1176.4%
OCF growth 3Y74.78%
OCF growth 5Y86.35%