FLYWIRE CORP-VOTING (FLYW) Fundamental Analysis & Valuation

NASDAQ:FLYW • US3024921039

Current stock price

12.93 USD
+0.7 (+5.72%)
Last:

This FLYW fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. FLYW Profitability Analysis

1.1 Basic Checks

  • In the past year FLYW was profitable.
  • FLYW had a positive operating cash flow in the past year.
  • In multiple years FLYW reported negative net income over the last 5 years.
  • FLYW had a positive operating cash flow in each of the past 5 years.
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 2025 0 20M -20M 40M 60M 80M 100M

1.2 Ratios

  • The Return On Assets of FLYW (1.08%) is comparable to the rest of the industry.
  • FLYW has a Return On Equity of 1.62%. This is in the lower half of the industry: FLYW underperforms 68.69% of its industry peers.
  • FLYW has a Return On Invested Capital (1.67%) which is in line with its industry peers.
Industry RankSector Rank
ROA 1.08%
ROE 1.62%
ROIC 1.67%
ROA(3y)0.18%
ROA(5y)-1.94%
ROE(3y)0.29%
ROE(5y)-2.62%
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 2025 0 -10 -20 -30 -40 -50

1.3 Margins

  • With a Profit Margin value of 2.17%, FLYW is not doing good in the industry: 66.67% of the companies in the same industry are doing better.
  • Looking at the Operating Margin, with a value of 3.63%, FLYW is doing worse than 65.66% of the companies in the same industry.
  • FLYW has a better Gross Margin (61.42%) than 74.75% of its industry peers.
  • FLYW's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 3.63%
PM (TTM) 2.17%
GM 61.42%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.68%
GM growth 5Y-0.74%
FLYW Yearly Profit, Operating, Gross MarginsFLYW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. FLYW Health Analysis

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FLYW is destroying value.
  • FLYW has less shares outstanding than it did 1 year ago.
  • The number of shares outstanding for FLYW has been increased compared to 5 years ago.
  • 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 2025 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 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • An Altman-Z score of 2.70 indicates that FLYW is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • FLYW's Altman-Z score of 2.70 is amongst the best of the industry. FLYW outperforms 82.83% of its industry peers.
  • FLYW has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 2.7
ROIC/WACC0.19
WACC8.94%
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 2025 0 200M 400M 600M 800M

2.3 Liquidity

  • A Current Ratio of 1.50 indicates that FLYW should not have too much problems paying its short term obligations.
  • The Current ratio of FLYW (1.50) is better than 68.69% of its industry peers.
  • FLYW has a Quick Ratio of 1.50. 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 1.50, FLYW is in the better half of the industry, outperforming 71.72% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.5
Quick Ratio 1.5
FLYW Yearly Current Assets VS Current LiabilitesFLYW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. FLYW Growth Analysis

3.1 Past

  • FLYW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 650.00%, which is quite impressive.
  • Looking at the last year, FLYW shows a very strong growth in Revenue. The Revenue has grown by 26.59%.
  • The Revenue has been growing by 36.43% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)650%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
Revenue 1Y (TTM)26.59%
Revenue growth 3Y29.12%
Revenue growth 5Y36.43%
Sales Q2Q%39.67%

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 78.76% on average per year.
  • The Revenue is expected to grow by 17.61% on average over the next years. This is quite good.
EPS Next Y149.74%
EPS Next 2Y97.82%
EPS Next 3Y78.76%
EPS Next 5YN/A
Revenue Next Year20.57%
Revenue Next 2Y17.88%
Revenue Next 3Y17.61%
Revenue Next 5YN/A

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.
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 1B
FLYW Yearly EPS VS EstimatesFLYW Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 0.2 -0.2 0.4 -0.4 0.6 0.8

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Find the best growth stocksShow best growing peers

4

4. FLYW Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 86.20, which means the current valuation is very expensive for FLYW.
  • Compared to the rest of the industry, the Price/Earnings ratio of FLYW indicates a slightly more expensive valuation: FLYW is more expensive than 76.77% of the companies listed in the same industry.
  • FLYW's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.33.
  • A Price/Forward Earnings ratio of 34.52 indicates a quite expensive valuation of FLYW.
  • Based on the Price/Forward Earnings ratio, FLYW is valued a bit more expensive than 67.68% of the companies in the same industry.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 38.16, FLYW is valued at the same level.
Industry RankSector Rank
PE 86.2
Fwd PE 34.52
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

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as FLYW.
  • FLYW's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FLYW is cheaper than 62.63% of the companies in the same industry.
Industry RankSector Rank
P/FCF 17.35
EV/EBITDA 22.67
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 78.76% in the coming years.
PEG (NY)0.58
PEG (5Y)N/A
EPS Next 2Y97.82%
EPS Next 3Y78.76%

More info and screens

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

0

5. FLYW Dividend Analysis

5.1 Amount

  • No dividends for FLYW!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

FLYW Fundamentals: All Metrics, Ratios and Statistics

FLYWIRE CORP-VOTING

NASDAQ:FLYW (4/15/2026, 2:36:56 PM)

12.93

+0.7 (+5.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-24
Earnings (Next)05-04
Inst Owners95.42%
Inst Owner Change0.01%
Ins Owners5.87%
Ins Owner Change15.71%
Market Cap1.57B
Revenue(TTM)623.02M
Net Income(TTM)13.50M
Analysts77.27
Price Target16.44 (27.15%)
Short Float %4.49%
Short Ratio2.77
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)2
Avg EPS beat(2)60.62%
Min EPS beat(2)21.23%
Max EPS beat(2)100%
EPS beat(4)3
Avg EPS beat(4)20.82%
Min EPS beat(4)-42.09%
Max EPS beat(4)100%
EPS beat(8)4
Avg EPS beat(8)-285.63%
EPS beat(12)6
Avg EPS beat(12)-178.39%
EPS beat(16)7
Avg EPS beat(16)-153.82%
Revenue beat(2)2
Avg Revenue beat(2)6.62%
Min Revenue beat(2)5.49%
Max Revenue beat(2)7.75%
Revenue beat(4)4
Avg Revenue beat(4)6.26%
Min Revenue beat(4)5.49%
Max Revenue beat(4)7.75%
Revenue beat(8)6
Avg Revenue beat(8)2.75%
Revenue beat(12)9
Avg Revenue beat(12)4.26%
Revenue beat(16)13
Avg Revenue beat(16)5.05%
PT rev (1m)-6.47%
PT rev (3m)-1.84%
EPS NQ rev (1m)33.66%
EPS NQ rev (3m)54.96%
EPS NY rev (1m)24.5%
EPS NY rev (3m)17.1%
Revenue NQ rev (1m)2.18%
Revenue NQ rev (3m)8.91%
Revenue NY rev (1m)1.57%
Revenue NY rev (3m)5.26%
Valuation
Industry RankSector Rank
PE 86.2
Fwd PE 34.52
P/S 2.52
P/FCF 17.35
P/OCF 15.64
P/B 1.88
P/tB 6.54
EV/EBITDA 22.67
EPS(TTM)0.15
EY1.16%
EPS(NY)0.37
Fwd EY2.9%
FCF(TTM)0.75
FCFY5.76%
OCF(TTM)0.83
OCFY6.39%
SpS5.14
BVpS6.89
TBVpS1.98
PEG (NY)0.58
PEG (5Y)N/A
Graham Number4.82251 (-62.7%)
Profitability
Industry RankSector Rank
ROA 1.08%
ROE 1.62%
ROCE 2.65%
ROIC 1.67%
ROICexc 2.86%
ROICexgc N/A
OM 3.63%
PM (TTM) 2.17%
GM 61.42%
FCFM 14.5%
ROA(3y)0.18%
ROA(5y)-1.94%
ROE(3y)0.29%
ROE(5y)-2.62%
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-0.68%
GM growth 5Y-0.74%
F-Score7
Asset Turnover0.5
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 37.82%
Cap/Sales 1.58%
Interest Coverage 8.74
Cash Conversion 205.94%
Profit Quality 669.18%
Current Ratio 1.5
Quick Ratio 1.5
Altman-Z 2.7
F-Score7
WACC8.94%
ROIC/WACC0.19
Cap/Depr(3y)37.3%
Cap/Depr(5y)48.72%
Cap/Sales(3y)1.45%
Cap/Sales(5y)2.02%
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 Y149.74%
EPS Next 2Y97.82%
EPS Next 3Y78.76%
EPS Next 5YN/A
Revenue 1Y (TTM)26.59%
Revenue growth 3Y29.12%
Revenue growth 5Y36.43%
Sales Q2Q%39.67%
Revenue Next Year20.57%
Revenue Next 2Y17.88%
Revenue Next 3Y17.61%
Revenue Next 5YN/A
EBIT growth 1Y439.37%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1148.9%
EBIT Next 3Y170.89%
EBIT Next 5YN/A
FCF growth 1Y-2.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1.53%
OCF growth 3Y164.23%
OCF growth 5YN/A

FLYWIRE CORP-VOTING / FLYW Fundamental Analysis 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 for FLYW stock?

ChartMill assigns a valuation rating of 4 / 10 to FLYWIRE CORP-VOTING (FLYW). This can be considered as Fairly Valued.


How profitable is FLYWIRE CORP-VOTING (FLYW) stock?

FLYWIRE CORP-VOTING (FLYW) has a profitability rating of 3 / 10.


How financially healthy is FLYWIRE CORP-VOTING?

The financial health rating of FLYWIRE CORP-VOTING (FLYW) is 7 / 10.