FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis

NASDAQ:FLYW • US3024921039

12.31 USD
-0.55 (-4.28%)
At close: Feb 27, 2026
12.15 USD
-0.16 (-1.3%)
After Hours: 2/27/2026, 8:03:18 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
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. 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 quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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.
  • 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 73.47% of its industry peers.
  • With a Return On Equity value of -0.29%, FLYW is not doing good in the industry: 69.39% of the companies in the same industry are doing better.
  • With a Return On Invested Capital value of 1.68%, FLYW perfoms like the industry average, outperforming 45.92% of the companies in the same industry.
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's Operating Margin of 3.15% is on the low side compared to the rest of the industry. FLYW is outperformed by 66.33% of its industry peers.
  • With a decent Gross Margin value of 62.58%, FLYW is doing good in the industry, outperforming 75.51% of the companies in the same industry.
  • 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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ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FLYW is destroying value.
  • 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 2.72 indicates that FLYW is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • FLYW's Altman-Z score of 2.72 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.
  • The Debt to FCF ratio of FLYW (0.32) is better than 86.73% 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 84.69% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.32
Altman-Z 2.72
ROIC/WACC0.19
WACC8.66%
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 70.41% 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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

4

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 650.00% over the past year.
EPS 1Y (TTM)650%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%35.37%

3.2 Future

  • The Earnings Per Share is expected to grow by 130.46% on average over the next years. This is a very strong growth
  • The Revenue is expected to grow by 14.71% on average over the next years. This is quite good.
EPS Next Y110.8%
EPS Next 2Y89.24%
EPS Next 3Y130.46%
EPS Next 5YN/A
Revenue Next Year15.12%
Revenue Next 2Y15.43%
Revenue Next 3Y14.71%
Revenue Next 5YN/A

3.3 Evolution

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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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 82.07, which means the current valuation is very expensive for FLYW.
  • 78.57% of the companies in the same industry are cheaper than FLYW, based on the Price/Earnings ratio.
  • The average S&P500 Price/Earnings ratio is at 27.10. FLYW is valued rather expensively when compared to this.
  • The Price/Forward Earnings ratio is 38.93, which means the current valuation is very expensive for FLYW.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of FLYW indicates a slightly more expensive valuation: FLYW is more expensive than 74.49% of the companies listed in the same industry.
  • When comparing the Price/Forward Earnings ratio of FLYW to the average of the S&P500 Index (28.06), we can say FLYW is valued slightly more expensively.
Industry RankSector Rank
PE 82.07
Fwd PE 38.93
FLYW Price Earnings VS Forward Price EarningsFLYW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • FLYW's Enterprise Value to EBITDA ratio is in line with the industry average.
  • FLYW's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 32.53
EV/EBITDA 28.19
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.
  • A more expensive valuation may be justified as FLYW's earnings are expected to grow with 130.46% in the coming years.
PEG (NY)0.74
PEG (5Y)N/A
EPS Next 2Y89.24%
EPS Next 3Y130.46%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

FLYWIRE CORP-VOTING

NASDAQ:FLYW (2/27/2026, 8:03:18 PM)

After market: 12.15 -0.16 (-1.3%)

12.31

-0.55 (-4.28%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-24
Earnings (Next)05-04
Inst Owners93.55%
Inst Owner Change2.36%
Ins Owners3.39%
Ins Owner Change-1.25%
Market Cap1.50B
Revenue(TTM)N/A
Net Income(TTM)-2.44M
Analysts76.36
Price Target17.58 (42.81%)
Short Float %3.6%
Short Ratio3.17
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)-588.12%
Min EPS beat(4)-2335.76%
Max EPS beat(4)21.23%
EPS beat(8)4
Avg EPS beat(8)-283.94%
EPS beat(12)6
Avg EPS beat(12)-179.24%
EPS beat(16)6
Avg EPS beat(16)-167.66%
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)0.94%
PT rev (3m)4.02%
EPS NQ rev (1m)-10.08%
EPS NQ rev (3m)15.95%
EPS NY rev (1m)0%
EPS NY rev (3m)54.23%
Revenue NQ rev (1m)0.23%
Revenue NQ rev (3m)0.86%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.01%
Valuation
Industry RankSector Rank
PE 82.07
Fwd PE 38.93
P/S 2.58
P/FCF 32.53
P/OCF 27.93
P/B 1.81
P/tB 6.57
EV/EBITDA 28.19
EPS(TTM)0.15
EY1.22%
EPS(NY)0.32
Fwd EY2.57%
FCF(TTM)0.38
FCFY3.07%
OCF(TTM)0.44
OCFY3.58%
SpS4.77
BVpS6.79
TBVpS1.87
PEG (NY)0.74
PEG (5Y)N/A
Graham Number4.79
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 2.72
F-Score4
WACC8.66%
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)650%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
EPS Next Y110.8%
EPS Next 2Y89.24%
EPS Next 3Y130.46%
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%35.37%
Revenue Next Year15.12%
Revenue Next 2Y15.43%
Revenue Next 3Y14.71%
Revenue Next 5YN/A
EBIT growth 1Y265.42%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year63823.7%
EBIT Next 3Y911.32%
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 for FLYW stock?

ChartMill assigns a valuation rating of 3 / 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 PE and PB ratios for FLYW stock?

The Price/Earnings (PE) ratio for FLYWIRE CORP-VOTING (FLYW) is 82.07 and the Price/Book (PB) ratio is 1.81.