FLYWIRE CORP-VOTING (FLYW) Fundamental Analysis & Valuation

NASDAQ:FLYW • US3024921039

Current stock price

11.91 USD
+0.02 (+0.17%)
At close:
11.91 USD
0 (0%)
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.
  • In the past year FLYW had a positive cash flow from operations.
  • The reported net income has been mixed in the past 5 years: FLYW reported negative net income in multiple years.
  • Each year in the past 5 years FLYW 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 2025 0 20M -20M 40M 60M 80M 100M

1.2 Ratios

  • FLYW has a Return On Assets (1.08%) which is comparable to the rest of the industry.
  • With a Return On Equity value of 1.62%, FLYW is not doing good in the industry: 67.35% of the companies in the same industry are doing better.
  • 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

  • FLYW's Profit Margin of 2.17% is on the low side compared to the rest of the industry. FLYW is outperformed by 67.35% of its industry peers.
  • With a Operating Margin value of 3.63%, FLYW is not doing good in the industry: 65.31% of the companies in the same industry are doing better.
  • FLYW's Gross Margin of 61.42% is fine compared to the rest of the industry. FLYW outperforms 75.51% 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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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.
  • 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 2.64 indicates that FLYW is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • The Altman-Z score of FLYW (2.64) is better than 84.69% 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 2.64
ROIC/WACC0.19
WACC8.89%
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.
  • Looking at the Current ratio, with a value of 1.50, FLYW is in the better half of the industry, outperforming 68.37% of the companies in the same industry.
  • 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.
  • The Quick ratio of FLYW (1.50) is better than 70.41% of its industry peers.
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.
  • FLYW shows a strong growth in Revenue. In the last year, 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

  • FLYW is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 92.56% yearly.
  • 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

  • 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 0.5 1

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3

4. FLYW Valuation Analysis

4.1 Price/Earnings Ratio

  • A Price/Earnings ratio of 79.40 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.
  • When comparing the Price/Earnings ratio of FLYW to the average of the S&P500 Index (25.23), we can say FLYW is valued expensively.
  • Based on the Price/Forward Earnings ratio of 39.58, 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 23.28.
Industry RankSector Rank
PE 79.4
Fwd PE 39.58
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 is on the same level as the industry average.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FLYW indicates a somewhat cheap valuation: FLYW is cheaper than 60.20% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 15.98
EV/EBITDA 21.82
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)0.79
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%

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FLYW Fundamentals: All Metrics, Ratios and Statistics

FLYWIRE CORP-VOTING

NASDAQ:FLYW (3/20/2026, 8:00:00 PM)

After market: 11.91 0 (0%)

11.91

+0.02 (+0.17%)

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 Change14.15%
Market Cap1.44B
Revenue(TTM)623.02M
Net Income(TTM)13.50M
Analysts76.36
Price Target17.58 (47.61%)
Short Float %4.59%
Short Ratio2.98
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)0.9%
PT rev (3m)4.95%
EPS NQ rev (1m)19.98%
EPS NQ rev (3m)15.93%
EPS NY rev (1m)-4.84%
EPS NY rev (3m)-8.59%
Revenue NQ rev (1m)5.71%
Revenue NQ rev (3m)7.09%
Revenue NY rev (1m)3.37%
Revenue NY rev (3m)4.22%
Valuation
Industry RankSector Rank
PE 79.4
Fwd PE 39.58
P/S 2.32
P/FCF 15.98
P/OCF 14.41
P/B 1.73
P/tB 6.02
EV/EBITDA 21.82
EPS(TTM)0.15
EY1.26%
EPS(NY)0.3
Fwd EY2.53%
FCF(TTM)0.75
FCFY6.26%
OCF(TTM)0.83
OCFY6.94%
SpS5.14
BVpS6.89
TBVpS1.98
PEG (NY)0.79
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 2.64
F-Score7
WACC8.89%
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 Year18.71%
Revenue Next 2Y17.17%
Revenue Next 3Y17.76%
Revenue Next 5YN/A
EBIT growth 1Y439.37%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1121.22%
EBIT Next 3Y169.91%
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.


What is the profitability of FLYW stock?

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


Can you provide the PE and PB ratios for FLYW stock?

The Price/Earnings (PE) ratio for FLYWIRE CORP-VOTING (FLYW) is 79.4 and the Price/Book (PB) ratio is 1.73.