14.5 USD
-0.2 (-1.36%)
14.54 USD
+0.04 (+0.28%)
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. While showing a medium growth rate, FLYW is valued expensive at the moment.
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.
FLYW had negative earnings in 4 of the past 5 years.
FLYW had a positive operating cash flow in 4 of the past 5 years.
1.2 Ratios
With a Return On Assets value of -0.19%, FLYW is not doing good in the industry: 72.45% of the companies in the same industry are doing better.
FLYW's Return On Equity of -0.29% is on the low side compared to the rest of the industry. FLYW is outperformed by 70.41% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.68%, FLYW is in line with its industry, outperforming 44.90% 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
Looking at the Operating Margin, with a value of 3.15%, FLYW is doing worse than 67.35% of the companies in the same industry.
FLYW's Gross Margin of 62.58% is fine compared to the rest of the industry. FLYW outperforms 75.51% of its industry peers.
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 | 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
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
FLYW has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
2.2 Solvency
FLYW has an Altman-Z score of 3.00. This indicates that FLYW is financially healthy and has little risk of bankruptcy at the moment.
FLYW has a better Altman-Z score (3.00) than 84.69% 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 86.73% of its industry peers.
A Debt/Equity ratio of 0.02 indicates that FLYW is not too dependend on debt financing.
With an excellent Debt to Equity ratio value of 0.02, FLYW belongs to the best of the industry, outperforming 85.71% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.32 | ||
| Altman-Z | 3 |
ROIC/WACC0.19
WACC8.82%
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 better Current ratio (1.53) than 71.43% 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 73.47% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.53 | ||
| Quick Ratio | 1.53 |
3. Growth
3.1 Past
FLYW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -80.00%.
Looking at the last year, FLYW shows a very strong growth in Revenue. The Revenue has grown by 22.71%.
Measured over the past years, FLYW shows a very strong growth in Revenue. The Revenue has been growing by 38.98% on average per year.
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
The Earnings Per Share is expected to grow by 209.54% on average over the next years. This is a very strong growth
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 Y466.1%
EPS Next 2Y299.95%
EPS Next 3Y199.57%
EPS Next 5Y209.54%
Revenue Next Year25.38%
Revenue Next 2Y20.07%
Revenue Next 3Y18.34%
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
A Price/Earnings ratio of 483.33 indicates a quite expensive valuation of FLYW.
Based on the Price/Earnings ratio, FLYW is valued a bit more expensive than the industry average as 78.57% of the companies are valued more cheaply.
FLYW is valuated expensively when we compare the Price/Earnings ratio to 26.92, which is the current average of the S&P500 Index.
Based on the Price/Forward Earnings ratio of 45.32, 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 74.49% of the companies in the same industry.
FLYW's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 23.57.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 483.33 | ||
| Fwd PE | 45.32 |
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 | 38.31 | ||
| EV/EBITDA | 32.95 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
FLYW's earnings are expected to grow with 199.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.04
PEG (5Y)N/A
EPS Next 2Y299.95%
EPS Next 3Y199.57%
5. Dividend
5.1 Amount
FLYW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
14.5
-0.2 (-1.36%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners93.55%
Inst Owner Change0%
Ins Owners3.39%
Ins Owner Change-1.07%
Market Cap1.77B
Revenue(TTM)583.03M
Net Income(TTM)-2.44M
Analysts73.64
Price Target16.75 (15.52%)
Short Float %3.56%
Short Ratio2.63
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)-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%
PT rev (3m)15.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-172.75%
EPS NY rev (1m)3.74%
EPS NY rev (3m)55.79%
Revenue NQ rev (1m)0.24%
Revenue NQ rev (3m)5.02%
Revenue NY rev (1m)0.24%
Revenue NY rev (3m)4.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 483.33 | ||
| Fwd PE | 45.32 | ||
| P/S | 3.04 | ||
| P/FCF | 38.31 | ||
| P/OCF | 32.9 | ||
| P/B | 2.14 | ||
| P/tB | 7.74 | ||
| EV/EBITDA | 32.95 |
EPS(TTM)0.03
EY0.21%
EPS(NY)0.32
Fwd EY2.21%
FCF(TTM)0.38
FCFY2.61%
OCF(TTM)0.44
OCFY3.04%
SpS4.77
BVpS6.79
TBVpS1.87
PEG (NY)1.04
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
WACC8.82%
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 Y466.1%
EPS Next 2Y299.95%
EPS Next 3Y199.57%
EPS Next 5Y209.54%
Revenue 1Y (TTM)22.71%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%27.63%
Revenue Next Year25.38%
Revenue Next 2Y20.07%
Revenue Next 3Y18.34%
Revenue Next 5Y17.39%
EBIT growth 1Y265.42%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year63395.6%
EBIT Next 3Y908.2%
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 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 PE and PB ratios for FLYW stock?
The Price/Earnings (PE) ratio for FLYWIRE CORP-VOTING (FLYW) is 483.33 and the Price/Book (PB) ratio is 2.14.