FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis

NASDAQ:FLYW • US3024921039

12.485 USD
+0.05 (+0.44%)
Last: Mar 3, 2026, 03:07 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

We assign a fundamental rating of 4 out of 10 to FLYW. FLYW was compared to 97 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 valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • FLYW had positive earnings in the past year.
  • 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.
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 0 20M -20M 40M 60M 80M

1.2 Ratios

  • FLYW's Return On Assets of -0.19% is on the low side compared to the rest of the industry. FLYW is outperformed by 73.20% of its industry peers.
  • Looking at the Return On Equity, with a value of -0.29%, FLYW is doing worse than 69.07% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 1.68%, FLYW is in line with its industry, outperforming 44.33% of the companies in the same industry.
Industry RankSector 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
FLYW Yearly ROA, ROE, ROICFLYW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 -10 -20 -30 -40 -50

1.3 Margins

  • FLYW has a Operating Margin of 3.15%. This is in the lower half of the industry: FLYW underperforms 65.98% of its industry peers.
  • FLYW has a better Gross Margin (62.58%) than 75.26% 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 3.15%
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%
FLYW Yearly Profit, Operating, Gross MarginsFLYW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 20 -20 40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

7

2. Health

2.1 Basic Checks

  • FLYW has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
  • 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 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 200M 400M 600M 800M 1B

2.2 Solvency

  • An Altman-Z score of 2.63 indicates that FLYW is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • The Altman-Z score of FLYW (2.63) is better than 82.47% of its industry peers.
  • FLYW has a debt to FCF ratio of 0.32. This is a very positive value and a sign of high solvency as it would only need 0.32 years to pay back of all of its debts.
  • Looking at the Debt to FCF ratio, with a value of 0.32, FLYW belongs to the top of the industry, outperforming 86.60% of the companies in the same industry.
  • 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 RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.32
Altman-Z 2.63
ROIC/WACC0.2
WACC8.61%
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 0 200M 400M 600M 800M

2.3 Liquidity

  • FLYW has a Current Ratio of 1.53. 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 Current ratio, with a value of 1.53, FLYW is in the better half of the industry, outperforming 69.07% 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.
  • FLYW has a Quick ratio of 1.53. This is in the better half of the industry: FLYW outperforms 71.13% of its industry peers.
Industry RankSector Rank
Current Ratio 1.53
Quick Ratio 1.53
FLYW Yearly Current Assets VS Current LiabilitesFLYW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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

4

3. Growth

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.
EPS 1Y (TTM)650%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
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 92.56% on average per year.
  • FLYW is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.76% yearly.
EPS Next Y100.6%
EPS Next 2Y79.46%
EPS Next 3Y92.56%
EPS Next 5YN/A
Revenue Next Year18.71%
Revenue Next 2Y17.17%
Revenue Next 3Y17.76%
Revenue Next 5YN/A

3.3 Evolution

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

2

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 83.23 indicates a quite expensive valuation of 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 78.35% 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 27.13.
  • The Price/Forward Earnings ratio is 41.49, 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 the industry average as 75.26% of the companies are valued more cheaply.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 28.11, FLYW is valued a bit more expensive.
Industry RankSector Rank
PE 83.23
Fwd PE 41.49
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 in line with the industry average.
Industry RankSector Rank
P/FCF 32.74
EV/EBITDA 26.67
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 92.56% in the coming years.
PEG (NY)0.83
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. Dividend

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

FLYWIRE CORP-VOTING

NASDAQ:FLYW (3/3/2026, 3:07:07 PM)

12.485

+0.05 (+0.44%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-24
Earnings (Next)05-04
Inst Owners93.55%
Inst Owner Change2.36%
Ins Owners3.39%
Ins Owner Change18.38%
Market Cap1.51B
Revenue(TTM)N/A
Net Income(TTM)-2.44M
Analysts76.36
Price Target17.58 (40.81%)
Short Float %4.06%
Short Ratio3
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)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)1.85%
PT rev (3m)4.95%
EPS NQ rev (1m)-10.08%
EPS NQ rev (3m)15.95%
EPS NY rev (1m)0%
EPS NY rev (3m)54.23%
Revenue NQ rev (1m)0.23%
Revenue NQ rev (3m)0.86%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.01%
Valuation
Industry RankSector Rank
PE 83.23
Fwd PE 41.49
P/S 2.6
P/FCF 32.74
P/OCF 28.11
P/B 1.83
P/tB 6.61
EV/EBITDA 26.67
EPS(TTM)0.15
EY1.2%
EPS(NY)0.3
Fwd EY2.41%
FCF(TTM)0.38
FCFY3.05%
OCF(TTM)0.44
OCFY3.56%
SpS4.81
BVpS6.84
TBVpS1.89
PEG (NY)0.83
PEG (5Y)N/A
Graham Number4.81
Profitability
Industry RankSector 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 RankSector 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 2.63
F-Score4
WACC8.61%
ROIC/WACC0.2
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)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)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%39.67%
Revenue Next Year18.71%
Revenue Next 2Y17.17%
Revenue Next 3Y17.76%
Revenue Next 5YN/A
EBIT growth 1Y265.42%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year63823.7%
EBIT Next 3Y911.32%
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 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 PE and PB ratios for FLYW stock?

The Price/Earnings (PE) ratio for FLYWIRE CORP-VOTING (FLYW) is 83.23 and the Price/Book (PB) ratio is 1.83.