14.45 USD
-0.02 (-0.14%)
14.45 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to FLYW. FLYW was compared to 99 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. While showing a medium growth rate, FLYW is valued expensive at the moment.
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.
Of the past 5 years FLYW 4 years had a positive operating cash flow.
1.2 Ratios
FLYW has a Return On Assets of -0.19%. This is in the lower half of the industry: FLYW underperforms 72.73% of its industry peers.
FLYW has a Return On Equity of -0.29%. This is in the lower half of the industry: FLYW underperforms 70.71% of its industry peers.
With a Return On Invested Capital value of 1.68%, FLYW perfoms like the industry average, outperforming 45.45% of the companies in the same 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 66.67% of its industry peers.
Looking at the Gross Margin, with a value of 62.58%, FLYW is in the better half of the industry, outperforming 75.76% of the companies in the same industry.
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.
FLYW has more shares outstanding than it did 1 year ago.
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.
2.2 Solvency
An Altman-Z score of 3.00 indicates that FLYW is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.00, FLYW belongs to the top of the industry, outperforming 83.84% of the companies in the same industry.
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.
Looking at the Debt to FCF ratio, with a value of 0.32, FLYW belongs to the top of the industry, outperforming 85.86% of the companies in the same industry.
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 Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.32 | ||
| Altman-Z | 3 |
ROIC/WACC0.19
WACC8.79%
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 70.71% of its industry peers.
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 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.
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
Based on estimates for the next years, FLYW will show a very strong growth in Earnings Per Share. The EPS will grow by 209.54% on average per year.
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 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
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
With a Price/Earnings ratio of 481.67, FLYW can be considered very expensive at the moment.
Based on the Price/Earnings ratio, FLYW is valued a bit more expensive than 78.79% of the companies in the same industry.
When comparing the Price/Earnings ratio of FLYW to the average of the S&P500 Index (26.57), we can say FLYW is valued expensively.
Based on the Price/Forward Earnings ratio of 43.90, the valuation of FLYW can be described as expensive.
FLYW's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FLYW is more expensive than 72.73% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of FLYW to the average of the S&P500 Index (24.04), we can say FLYW is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 481.67 | ||
| Fwd PE | 43.9 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FLYW is on the same level as its industry peers.
The rest of the industry has a similar Price/Free Cash Flow ratio as FLYW.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 38.18 | ||
| EV/EBITDA | 32.86 |
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%
5. Dividend
5.1 Amount
FLYW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
14.45
-0.02 (-0.14%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
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 Rank | Sector 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 Rank | Sector 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 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 | 3 |
F-Score4
WACC8.79%
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.