FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis
USA - NASDAQ:FLYW - US3024921039 - Common Stock
13.59 USD
+0.03 (+0.22%)
13.59 USD
0 (0%)
Taking everything into account, FLYW scores 4 out of 10 in our fundamental rating. FLYW was compared to 97 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 valied quite expensively at the moment, while it does show a decent growth rate.
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.
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 77.32% of its industry peers.
Looking at the Return On Equity, with a value of -0.29%, FLYW is doing worse than 75.26% of the companies in the same industry.
FLYW has a Return On Invested Capital (1.68%) which is comparable to the rest of the industry.
| Industry Rank | Sector 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
1.3 Margins
The Operating Margin of FLYW (3.15%) is worse than 69.07% of its industry peers.
FLYW has a Gross Margin of 62.58%. This is in the better half of the industry: FLYW outperforms 75.26% of its industry peers.
FLYW's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector 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%
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.
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.
2.2 Solvency
FLYW has an Altman-Z score of 2.85. This is not the best score and indicates that FLYW is in the grey zone with still only limited risk for bankruptcy at the moment.
The Altman-Z score of FLYW (2.85) is better than 84.54% 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.
The Debt to FCF ratio of FLYW (0.32) is better than 87.63% 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 86.60% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.32 | ||
| Altman-Z | 2.85 |
ROIC/WACC0.19
WACC8.75%
2.3 Liquidity
A Current Ratio of 1.53 indicates that FLYW should not have too much problems paying its short term obligations.
FLYW has a Current ratio of 1.53. This is in the better half of the industry: FLYW outperforms 71.13% of its industry peers.
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.
FLYW has a better Quick ratio (1.53) than 72.16% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.53 | ||
| Quick Ratio | 1.53 |
3. Growth
3.1 Past
The earnings per share for FLYW have decreased strongly by -80.00% in the last year.
FLYW shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.71%.
The Revenue has been growing by 38.98% on average over the past years. This is a very strong growth!
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 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.
4. Valuation
4.1 Price/Earnings Ratio
FLYW is valuated quite expensively with a Price/Earnings ratio of 453.00.
Compared to the rest of the industry, the Price/Earnings ratio of FLYW indicates a rather expensive valuation: FLYW more expensive than 81.44% of the companies listed in the same industry.
The average S&P500 Price/Earnings ratio is at 26.28. FLYW is valued rather expensively when compared to this.
With a Price/Forward Earnings ratio of 45.16, FLYW can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, FLYW is valued a bit more expensive than the industry average as 74.23% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Forward Earnings ratio of 33.61, FLYW is valued a bit more expensive.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 453 | ||
| Fwd PE | 45.16 |
4.2 Price Multiples
The rest of the industry has a similar Enterprise Value to EBITDA ratio as FLYW.
The rest of the industry has a similar Price/Free Cash Flow ratio as FLYW.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 35.96 | ||
| EV/EBITDA | 30.28 |
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 187.74% in the coming years.
PEG (NY)1.68
PEG (5Y)N/A
EPS Next 2Y287.88%
EPS Next 3Y187.74%
5. Dividend
5.1 Amount
No dividends for FLYW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
13.59
+0.03 (+0.22%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners88.33%
Inst Owner Change-1.91%
Ins Owners3.45%
Ins Owner Change-0.58%
Market Cap1.66B
Revenue(TTM)583.03M
Net Income(TTM)-2.44M
Analysts73.64
Price Target15.14 (11.41%)
Short Float %4.48%
Short Ratio2.91
Dividend
| Industry Rank | Sector 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)4.45%
PT rev (3m)6.7%
EPS NQ rev (1m)0.54%
EPS NQ rev (3m)-2.67%
EPS NY rev (1m)1.75%
EPS NY rev (3m)-47.18%
Revenue NQ rev (1m)0.2%
Revenue NQ rev (3m)0.68%
Revenue NY rev (1m)0.49%
Revenue NY rev (3m)1.72%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 453 | ||
| Fwd PE | 45.16 | ||
| P/S | 2.85 | ||
| P/FCF | 35.96 | ||
| P/OCF | 30.88 | ||
| P/B | 2 | ||
| P/tB | 7.27 | ||
| EV/EBITDA | 30.28 |
EPS(TTM)0.03
EY0.22%
EPS(NY)0.3
Fwd EY2.21%
FCF(TTM)0.38
FCFY2.78%
OCF(TTM)0.44
OCFY3.24%
SpS4.77
BVpS6.78
TBVpS1.87
PEG (NY)1.68
PEG (5Y)N/A
Graham Number2.14
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 2.85 |
F-Score4
WACC8.75%
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.