FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:FLYW • US3024921039

12.74 USD

+0.14 (+1.11%)

Last: Feb 2, 2026, 10:03 AM

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to FLYW. FLYW was compared to 97 industry peers in the Financial Services industry. FLYW has a great financial health rating, but its profitability evaluates not so good. FLYW is quite expensive at the moment. It does show a decent growth rate.

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1. Profitability

1.1 Basic Checks

In the past year FLYW was profitable.
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 worse Return On Assets (-0.19%) than 73.20% of its industry peers.
FLYW has a worse Return On Equity (-0.29%) than 71.13% of its industry peers.
FLYW has a Return On Invested Capital (1.68%) which is in line with its industry peers.

		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

FLYW has a Operating Margin of 3.15%. This is in the lower half of the industry: FLYW underperforms 68.04% of its industry peers.
FLYW's Gross Margin of 62.58% is fine compared to the rest of the industry. FLYW outperforms 74.23% 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%

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ROA

ROE

ROIC

Operating and Profit Margin

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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 more shares outstanding than it did 1 year ago.
The number of shares outstanding for FLYW has been increased compared to 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 2.68 indicates that FLYW is not a great score, but indicates only limited risk for bankruptcy at the moment.
The Altman-Z score of FLYW (2.68) is better than 84.54% of its industry peers.
The Debt to FCF ratio of FLYW is 0.32, which is an excellent value as it means it would take FLYW, only 0.32 years of fcf income to pay off all of its debts.
The Debt to FCF ratio of FLYW (0.32) is better than 86.60% 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.
FLYW's Debt to Equity ratio of 0.02 is amongst the best of the industry. FLYW outperforms 85.57% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	0.32
Altman-Z	2.68

ROIC/WACC0.19

WACC8.9%

2.3 Liquidity

A Current Ratio of 1.53 indicates that FLYW should not have too much problems paying its short term obligations.
With a decent Current ratio value of 1.53, FLYW is doing good in the industry, outperforming 71.13% 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.
With a decent Quick ratio value of 1.53, FLYW is doing good in the industry, outperforming 73.20% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	1.53
Quick Ratio	1.53

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for FLYW have decreased strongly by -80.00% in the last year.
The Revenue has grown by 22.71% in the past year. This is a very strong growth!
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.
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 Y470.28%

EPS Next 2Y298.69%

EPS Next 3Y199.48%

EPS Next 5Y209.54%

Revenue Next Year25.83%

Revenue Next 2Y20.39%

Revenue Next 3Y18.8%

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.

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4. Valuation

4.1 Price/Earnings Ratio

FLYW is valuated quite expensively with a Price/Earnings ratio of 424.67.
Based on the Price/Earnings ratio, FLYW is valued a bit more expensive than the industry average as 78.35% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 28.32. FLYW is valued rather expensively when compared to this.
With a Price/Forward Earnings ratio of 40.08, 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 76.29% of the companies are valued more cheaply.
The average S&P500 Price/Forward Earnings ratio is at 25.57. FLYW is valued rather expensively when compared to this.

		Industry Rank	Sector Rank
PE	424.67
Fwd PE	40.08

4.2 Price Multiples

FLYW's Enterprise Value to EBITDA is on the same level as the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FLYW is on the same level as its industry peers.

		Industry Rank	Sector Rank
P/FCF	33.66
EV/EBITDA	27.43

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 199.48% in the coming years.