FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis
USA - NASDAQ:FLYW - US3024921039 - Common Stock
13.78 USD
+0.01 (+0.07%)
Overall FLYW gets a fundamental rating of 5 out of 10. We evaluated FLYW against 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. FLYW is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
In the past year FLYW was profitable.
In the past year FLYW had a positive cash flow from operations.
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
With a Return On Assets value of 0.61%, FLYW perfoms like the industry average, outperforming 40.40% of the companies in the same industry.
The Return On Equity of FLYW (0.86%) is worse than 69.70% of its industry peers.
The Return On Invested Capital of FLYW (0.58%) is worse than 62.63% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 0.86% | ||
| ROIC | 0.58% |
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 Profit Margin of FLYW (1.27%) is worse than 66.67% of its industry peers.
FLYW's Operating Margin of 1.18% is on the low side compared to the rest of the industry. FLYW is outperformed by 71.72% of its industry peers.
With a decent Gross Margin value of 62.87%, FLYW is doing good in the industry, outperforming 75.76% 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 Rank | Sector Rank | ||
|---|---|---|---|
| OM | 1.18% | ||
| PM (TTM) | 1.27% | ||
| GM | 62.87% |
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FLYW is destroying value.
Compared to 1 year ago, FLYW has more shares outstanding
Compared to 5 years ago, FLYW has more shares outstanding
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
FLYW has an Altman-Z score of 3.63. This indicates that FLYW is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 3.63, FLYW belongs to the top of the industry, outperforming 84.85% of the companies in the same industry.
FLYW has a debt to FCF ratio of 0.68. This is a very positive value and a sign of high solvency as it would only need 0.68 years to pay back of all of its debts.
FLYW has a better Debt to FCF ratio (0.68) than 84.85% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that FLYW is not too dependend on debt financing.
FLYW has a better Debt to Equity ratio (0.08) than 81.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.68 | ||
| Altman-Z | 3.63 |
ROIC/WACC0.07
WACC8.66%
2.3 Liquidity
FLYW has a Current Ratio of 1.87. This is a normal value and indicates that FLYW is financially healthy and should not expect problems in meeting its short term obligations.
FLYW's Current ratio of 1.87 is fine compared to the rest of the industry. FLYW outperforms 69.70% of its industry peers.
FLYW has a Quick Ratio of 1.87. 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 Quick ratio, with a value of 1.87, FLYW is in the better half of the industry, outperforming 72.73% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.87 | ||
| Quick Ratio | 1.87 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 242.86% over the past year.
FLYW shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.21%.
FLYW shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 38.98% yearly.
EPS 1Y (TTM)242.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%9.09%
Revenue 1Y (TTM)22.21%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%27.21%
3.2 Future
The Earnings Per Share is expected to grow by 209.54% on average over the next years. This is a very strong growth
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 Y263.38%
EPS Next 2Y291.15%
EPS Next 3Y192.93%
EPS Next 5Y209.54%
Revenue Next Year20.83%
Revenue Next 2Y18.01%
Revenue Next 3Y17.18%
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
The Price/Earnings ratio is 137.80, which means the current valuation is very expensive for FLYW.
Based on the Price/Earnings ratio, FLYW is valued a bit more expensive than 76.77% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.89, FLYW is valued quite expensively.
The Price/Forward Earnings ratio is 45.03, which means the current valuation is very expensive for FLYW.
FLYW's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FLYW is more expensive than 73.74% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.99. FLYW is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 137.8 | ||
| Fwd PE | 45.03 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, FLYW is valued a bit more expensive than 60.61% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FLYW indicates a somewhat cheap valuation: FLYW is cheaper than 61.62% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 19.24 | ||
| EV/EBITDA | 52.44 |
4.3 Compensation for Growth
The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
FLYW's earnings are expected to grow with 192.93% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.52
PEG (5Y)N/A
EPS Next 2Y291.15%
EPS Next 3Y192.93%
5. Dividend
5.1 Amount
No dividends for FLYW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:FLYW (10/27/2025, 2:22:04 PM)
13.78
+0.01 (+0.07%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners88.33%
Inst Owner Change0.1%
Ins Owners3.45%
Ins Owner Change-0.56%
Market Cap1.69B
Revenue(TTM)539.71M
Net Income(TTM)6.83M
Analysts72.38
Price Target14.49 (5.15%)
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)83.11%
Min EPS beat(2)-42.09%
Max EPS beat(2)208.3%
EPS beat(4)2
Avg EPS beat(4)-518.95%
Min EPS beat(4)-2335.76%
Max EPS beat(4)208.3%
EPS beat(8)3
Avg EPS beat(8)-263.29%
EPS beat(12)5
Avg EPS beat(12)-177.09%
EPS beat(16)6
Avg EPS beat(16)-27.42%
Revenue beat(2)2
Avg Revenue beat(2)5.9%
Min Revenue beat(2)5.84%
Max Revenue beat(2)5.96%
Revenue beat(4)3
Avg Revenue beat(4)2.03%
Min Revenue beat(4)-7.01%
Max Revenue beat(4)5.96%
Revenue beat(8)5
Avg Revenue beat(8)2.07%
Revenue beat(12)9
Avg Revenue beat(12)3.79%
Revenue beat(16)13
Avg Revenue beat(16)7.28%
PT rev (1m)0%
PT rev (3m)-3.66%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-5.13%
EPS NY rev (1m)0%
EPS NY rev (3m)-48.09%
Revenue NQ rev (1m)0.27%
Revenue NQ rev (3m)0.92%
Revenue NY rev (1m)0.35%
Revenue NY rev (3m)1.94%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 137.8 | ||
| Fwd PE | 45.03 | ||
| P/S | 3.12 | ||
| P/FCF | 19.24 | ||
| P/OCF | 17.92 | ||
| P/B | 2.13 | ||
| P/tB | 9.04 | ||
| EV/EBITDA | 52.44 |
EPS(TTM)0.1
EY0.73%
EPS(NY)0.31
Fwd EY2.22%
FCF(TTM)0.72
FCFY5.2%
OCF(TTM)0.77
OCFY5.58%
SpS4.41
BVpS6.48
TBVpS1.52
PEG (NY)0.52
PEG (5Y)N/A
Graham Number3.82
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 0.61% | ||
| ROE | 0.86% | ||
| ROCE | 0.73% | ||
| ROIC | 0.58% | ||
| ROICexc | 0.84% | ||
| ROICexgc | N/A | ||
| OM | 1.18% | ||
| PM (TTM) | 1.27% | ||
| GM | 62.87% | ||
| FCFM | 16.23% |
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-Score6
Asset Turnover0.48
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.08 | ||
| Debt/FCF | 0.68 | ||
| Debt/EBITDA | 2.18 | ||
| Cap/Depr | 30.51% | ||
| Cap/Sales | 1.2% | ||
| Interest Coverage | 250 | ||
| Cash Conversion | 341.31% | ||
| Profit Quality | 1282.75% | ||
| Current Ratio | 1.87 | ||
| Quick Ratio | 1.87 | ||
| Altman-Z | 3.63 |
F-Score6
WACC8.66%
ROIC/WACC0.07
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)242.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%9.09%
EPS Next Y263.38%
EPS Next 2Y291.15%
EPS Next 3Y192.93%
EPS Next 5Y209.54%
Revenue 1Y (TTM)22.21%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%27.21%
Revenue Next Year20.83%
Revenue Next 2Y18.01%
Revenue Next 3Y17.18%
Revenue Next 5Y17.39%
EBIT growth 1Y132.82%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year70514.7%
EBIT Next 3Y893.35%
EBIT Next 5Y507.35%
FCF growth 1Y19369.3%
FCF growth 3Y101.29%
FCF growth 5Y205.55%
OCF growth 1Y1176.4%
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 5 / 10 to FLYW.
What is the valuation status of FLYWIRE CORP-VOTING (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 expected EPS growth for FLYW stock?
The Earnings per Share (EPS) of FLYWIRE CORP-VOTING (FLYW) is expected to grow by 263.38% in the next year.