FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis

NASDAQ:FLYW • US3024921039

11.23 USD
0 (0%)
At close: Feb 20, 2026
11.12 USD
-0.11 (-0.98%)
After Hours: 2/20/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

FLYW gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 98 industry peers in the Financial Services industry. FLYW scores quite bad on profitability, while its financial health is fine. Not spectacular, but in line with the averages. 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.
  • FLYW had a positive operating cash flow in 4 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 0 20M -20M 40M 60M 80M

1.2 Ratios

  • With a Return On Assets value of -0.19%, FLYW is not doing good in the industry: 73.47% of the companies in the same industry are doing better.
  • With a Return On Equity value of -0.29%, FLYW is not doing good in the industry: 69.39% of the companies in the same industry are doing better.
  • FLYW has a Return On Invested Capital (1.68%) which is comparable to the rest of the 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 66.33% of its industry peers.
  • FLYW has a Gross Margin of 62.58%. This is in the better half 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 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

6

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), FLYW is destroying value.
  • FLYW has more shares outstanding than it did 1 year ago.
  • 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.
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

  • FLYW has an Altman-Z score of 2.45. This is not the best score and indicates that FLYW is in the grey zone with still only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 2.45, FLYW is in the better half of the industry, outperforming 79.59% of the companies in the same industry.
  • 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.
  • FLYW has a Debt to FCF ratio of 0.32. This is amongst the best in the industry. FLYW outperforms 86.73% of its industry peers.
  • FLYW has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
  • FLYW has a Debt to Equity ratio of 0.02. This is amongst the best in the industry. FLYW outperforms 84.69% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.32
Altman-Z 2.45
ROIC/WACC0.19
WACC8.72%
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 70.41% of the companies in the same industry.
  • FLYW has a Quick 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.
  • FLYW has a Quick ratio of 1.53. This is in the better half of the industry: FLYW outperforms 72.45% 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

6

3. Growth

3.1 Past

  • The earnings per share for FLYW have decreased strongly by -80.00% in the last year.
  • FLYW shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.71%.
  • The Revenue has been growing by 38.98% on average over the past years. This is a very strong growth!
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

  • Based on estimates for the next years, FLYW will show a very strong growth in Earnings Per Share. The EPS will grow by 209.54% on average per year.
  • The Revenue is expected to grow by 17.39% on average over the next years. This is quite good.
EPS Next Y470.28%
EPS Next 2Y297.62%
EPS Next 3Y199.48%
EPS Next 5Y209.54%
Revenue Next Year25.84%
Revenue Next 2Y20.36%
Revenue Next 3Y18.8%
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.
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
FLYW Yearly EPS VS EstimatesFLYW Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 0.5 1 1.5

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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 374.33 indicates a quite expensive valuation of FLYW.
  • Based on the Price/Earnings ratio, FLYW is valued a bit more expensive than 78.57% 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 26.99.
  • A Price/Forward Earnings ratio of 35.52 indicates a quite expensive valuation of FLYW.
  • 74.49% of the companies in the same industry are cheaper than FLYW, based on the Price/Forward Earnings ratio.
  • FLYW is valuated rather expensively when we compare the Price/Forward Earnings ratio to 28.02, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 374.33
Fwd PE 35.52
FLYW Price Earnings VS Forward Price EarningsFLYW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 100 200 300

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 is on the same level as the industry average.
Industry RankSector Rank
P/FCF 29.67
EV/EBITDA 23.46
FLYW Per share dataFLYW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

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 199.48% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.8
PEG (5Y)N/A
EPS Next 2Y297.62%
EPS Next 3Y199.48%

More info and screens

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

0

5. Dividend

5.1 Amount

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

More info and screens

Find the best dividend stocksShow peers with best dividend

FLYWIRE CORP-VOTING

NASDAQ:FLYW (2/20/2026, 8:00:01 PM)

After market: 11.12 -0.11 (-0.98%)

11.23

0 (0%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04
Earnings (Next)02-24
Inst Owners93.55%
Inst Owner Change2.36%
Ins Owners3.39%
Ins Owner Change-1.25%
Market Cap1.37B
Revenue(TTM)583.03M
Net Income(TTM)-2.44M
Analysts76.36
Price Target17.42 (55.12%)
Short Float %3.6%
Short Ratio3.17
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)0.94%
PT rev (3m)4.02%
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 374.33
Fwd PE 35.52
P/S 2.35
P/FCF 29.67
P/OCF 25.48
P/B 1.65
P/tB 5.99
EV/EBITDA 23.46
EPS(TTM)0.03
EY0.27%
EPS(NY)0.32
Fwd EY2.82%
FCF(TTM)0.38
FCFY3.37%
OCF(TTM)0.44
OCFY3.92%
SpS4.77
BVpS6.79
TBVpS1.87
PEG (NY)0.8
PEG (5Y)N/A
Graham Number2.14
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 2.45
F-Score4
WACC8.72%
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 Y470.28%
EPS Next 2Y297.62%
EPS Next 3Y199.48%
EPS Next 5Y209.54%
Revenue 1Y (TTM)22.71%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%27.63%
Revenue Next Year25.84%
Revenue Next 2Y20.36%
Revenue Next 3Y18.8%
Revenue Next 5Y17.39%
EBIT growth 1Y265.42%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year63459%
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 374.33 and the Price/Book (PB) ratio is 1.65.