FLYWIRE CORP-VOTING (FLYW) Fundamental Analysis & Valuation

NASDAQ:FLYW • US3024921039

Current stock price

11.78 USD
+0.2 (+1.73%)
At close:
11.82 USD
+0.04 (+0.34%)
After Hours:

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

  • FLYW had positive earnings in the past year.
  • 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

  • FLYW has a Return On Assets (1.08%) which is in line with its industry peers.
  • FLYW has a worse Return On Equity (1.62%) than 67.00% of its industry peers.
  • FLYW's Return On Invested Capital of 1.67% is in line compared to the rest of the industry. FLYW outperforms 47.00% of 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

  • FLYW's Profit Margin of 2.17% is on the low side compared to the rest of the industry. FLYW is outperformed by 67.00% of its industry peers.
  • The Operating Margin of FLYW (3.63%) is worse than 65.00% of its industry peers.
  • FLYW has a Gross Margin of 61.42%. This is in the better half of the industry: FLYW outperforms 76.00% 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 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

More info and screens

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.
  • FLYW has more shares outstanding than it did 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.
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 2.62 indicates that FLYW is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • The Altman-Z score of FLYW (2.62) is better than 84.00% of its industry peers.
  • 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.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 2.62
ROIC/WACC0.19
WACC8.97%
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.
  • FLYW has a better Current ratio (1.50) than 68.00% 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.
  • With a decent Quick ratio value of 1.50, FLYW is doing good in the industry, outperforming 71.00% 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

  • The Earnings Per Share has grown by an impressive 650.00% over the past year.
  • Looking at the last year, FLYW shows a very strong growth in Revenue. The Revenue has grown by 26.59%.
  • FLYW shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 36.43% yearly.
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

  • The Earnings Per Share is expected to grow by 92.56% 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 17.61% on average per year.
EPS Next Y100.6%
EPS Next 2Y79.46%
EPS Next 3Y92.56%
EPS Next 5YN/A
Revenue Next Year20.29%
Revenue Next 2Y17.75%
Revenue Next 3Y17.61%
Revenue Next 5YN/A

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.
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 0.5 1

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Find the best growth stocksShow best growing peers

3

4. FLYW Valuation Analysis

4.1 Price/Earnings Ratio

  • FLYW is valuated quite expensively with a Price/Earnings ratio of 78.53.
  • Based on the Price/Earnings ratio, FLYW is valued a bit more expensive than 76.00% of the companies in the same industry.
  • FLYW's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 25.60.
  • The Price/Forward Earnings ratio is 39.15, which means the current valuation is very expensive for FLYW.
  • Based on the Price/Forward Earnings ratio, FLYW is valued a bit more expensive than 73.00% 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 22.84.
Industry RankSector Rank
PE 78.53
Fwd PE 39.15
FLYW Price Earnings VS Forward Price EarningsFLYW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60

4.2 Price Multiples

  • FLYW's Enterprise Value to EBITDA ratio is in line with the industry average.
  • Based on the Price/Free Cash Flow ratio, FLYW is valued a bit cheaper than 61.00% of the companies in the same industry.
Industry RankSector Rank
P/FCF 15.81
EV/EBITDA 21.55
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.
  • FLYW's earnings are expected to grow with 92.56% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.78
PEG (5Y)N/A
EPS Next 2Y79.46%
EPS Next 3Y92.56%

More info and screens

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

0

5. FLYW Dividend Analysis

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

FLYW Fundamentals: All Metrics, Ratios and Statistics

FLYWIRE CORP-VOTING

NASDAQ:FLYW (4/2/2026, 8:25:39 PM)

After market: 11.82 +0.04 (+0.34%)

11.78

+0.2 (+1.73%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-24
Earnings (Next)05-04
Inst Owners95.33%
Inst Owner Change2.39%
Ins Owners5.4%
Ins Owner Change14.5%
Market Cap1.43B
Revenue(TTM)623.02M
Net Income(TTM)13.50M
Analysts76.36
Price Target16.44 (39.56%)
Short Float %4.4%
Short Ratio2.85
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)65.57%
EPS NQ rev (3m)61.25%
EPS NY rev (1m)-4.84%
EPS NY rev (3m)-5.94%
Revenue NQ rev (1m)8.35%
Revenue NQ rev (3m)9.17%
Revenue NY rev (1m)4.51%
Revenue NY rev (3m)5.02%
Valuation
Industry RankSector Rank
PE 78.53
Fwd PE 39.15
P/S 2.29
P/FCF 15.81
P/OCF 14.25
P/B 1.71
P/tB 5.96
EV/EBITDA 21.55
EPS(TTM)0.15
EY1.27%
EPS(NY)0.3
Fwd EY2.55%
FCF(TTM)0.75
FCFY6.33%
OCF(TTM)0.83
OCFY7.02%
SpS5.14
BVpS6.89
TBVpS1.98
PEG (NY)0.78
PEG (5Y)N/A
Graham Number4.82
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 2.62
F-Score7
WACC8.97%
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 Y100.6%
EPS Next 2Y79.46%
EPS Next 3Y92.56%
EPS Next 5YN/A
Revenue 1Y (TTM)26.59%
Revenue growth 3Y29.12%
Revenue growth 5Y36.43%
Sales Q2Q%39.67%
Revenue Next Year20.29%
Revenue Next 2Y17.75%
Revenue Next 3Y17.61%
Revenue Next 5YN/A
EBIT growth 1Y439.37%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1121.13%
EBIT Next 3Y169.9%
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 3 / 10 to FLYWIRE CORP-VOTING (FLYW). This can be considered as Overvalued.


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.