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FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis

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

14.45 USD
-0.02 (-0.14%)
Last: 12/26/2025, 8:00:00 PM
14.45 USD
0 (0%)
After Hours: 12/26/2025, 8:00:00 PM
Fundamental Rating

4

Taking everything into account, FLYW scores 4 out of 10 in our fundamental rating. 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 quite expensive at the moment. It does show a decent growth rate.


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.
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 (-0.19%) than 72.73% of its industry peers.
With a Return On Equity value of -0.29%, FLYW is not doing good in the industry: 70.71% of the companies in the same industry are doing better.
FLYW's Return On Invested Capital of 1.68% is in line compared to the rest of the industry. FLYW outperforms 45.45% 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

With a Operating Margin value of 3.15%, FLYW is not doing good in the industry: 66.67% 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 75.76% 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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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.
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

An Altman-Z score of 3.00 indicates that FLYW is not in any danger for bankruptcy at the moment.
The Altman-Z score of FLYW (3.00) is better than 83.84% 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 has a Debt to FCF ratio of 0.32. This is amongst the best in the industry. FLYW outperforms 85.86% of its industry peers.
A Debt/Equity ratio of 0.02 indicates that FLYW is not too dependend on debt financing.
FLYW's Debt to Equity ratio of 0.02 is amongst the best of the industry. FLYW outperforms 85.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.32
Altman-Z 3
ROIC/WACC0.19
WACC8.78%
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 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.
Looking at the Current ratio, with a value of 1.53, FLYW is in the better half of the industry, outperforming 70.71% of the companies in the same industry.
A Quick Ratio of 1.53 indicates that FLYW should not have too much problems paying its short term obligations.
FLYW has a Quick ratio of 1.53. This is in the better half of the industry: FLYW outperforms 72.73% of its industry peers.
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

FLYW is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 209.54% yearly.
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 Y445.7%
EPS Next 2Y305.7%
EPS Next 3Y201.72%
EPS Next 5Y209.54%
Revenue Next Year25.08%
Revenue Next 2Y19.73%
Revenue Next 3Y18%
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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2

4. Valuation

4.1 Price/Earnings Ratio

FLYW is valuated quite expensively with a Price/Earnings ratio of 481.67.
Based on the Price/Earnings ratio, FLYW is valued a bit more expensive than the industry average as 78.79% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.57, FLYW is valued quite expensively.
A Price/Forward Earnings ratio of 43.90 indicates a quite expensive valuation of FLYW.
Based on the Price/Forward Earnings ratio, FLYW is valued a bit more expensive than the industry average as 72.73% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 24.04, FLYW is valued quite expensively.
Industry RankSector Rank
PE 481.67
Fwd PE 43.9
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 38.18
EV/EBITDA 32.86
FLYW Per share dataFLYW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

The 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 201.72% in the coming years.
PEG (NY)1.08
PEG (5Y)N/A
EPS Next 2Y305.7%
EPS Next 3Y201.72%

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0

5. Dividend

5.1 Amount

FLYW does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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FLYWIRE CORP-VOTING

NASDAQ:FLYW (12/26/2025, 8:00:00 PM)

After market: 14.45 0 (0%)

14.45

-0.02 (-0.14%)

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 Owners93.8%
Inst Owner Change3.12%
Ins Owners3.46%
Ins Owner Change-1.15%
Market Cap1.76B
Revenue(TTM)583.03M
Net Income(TTM)-2.44M
Analysts73.64
Price Target16.75 (15.92%)
Short Float %3.39%
Short Ratio2.43
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)-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)10.67%
PT rev (3m)15.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-172.75%
EPS NY rev (1m)47.59%
EPS NY rev (3m)66.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.77%
Revenue NY rev (1m)3.38%
Revenue NY rev (3m)3.89%
Valuation
Industry RankSector Rank
PE 481.67
Fwd PE 43.9
P/S 3.03
P/FCF 38.18
P/OCF 32.78
P/B 2.13
P/tB 7.71
EV/EBITDA 32.86
EPS(TTM)0.03
EY0.21%
EPS(NY)0.33
Fwd EY2.28%
FCF(TTM)0.38
FCFY2.62%
OCF(TTM)0.44
OCFY3.05%
SpS4.77
BVpS6.79
TBVpS1.87
PEG (NY)1.08
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 3
F-Score4
WACC8.78%
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 Y445.7%
EPS Next 2Y305.7%
EPS Next 3Y201.72%
EPS Next 5Y209.54%
Revenue 1Y (TTM)22.71%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%27.63%
Revenue Next Year25.08%
Revenue Next 2Y19.73%
Revenue Next 3Y18%
Revenue Next 5Y17.39%
EBIT growth 1Y265.42%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year63422%
EBIT Next 3Y911.15%
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 445.7% in the next year.