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FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis

NASDAQ:FLYW - Nasdaq - US3024921039 - Common Stock - Currency: USD

11.83  +0.2 (+1.72%)

After market: 11.83 0 (0%)

Fundamental Rating

4

FLYW gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 100 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 valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

FLYW had positive earnings in the past year.
In the past year FLYW had a positive cash flow from operations.
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 0.47% is on the low side compared to the rest of the industry. FLYW is outperformed by 64.00% of its industry peers.
FLYW's Return On Equity of 0.63% is on the low side compared to the rest of the industry. FLYW is outperformed by 73.00% of its industry peers.
Industry RankSector Rank
ROA 0.47%
ROE 0.63%
ROIC N/A
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

The Profit Margin of FLYW (0.97%) is worse than 72.00% of its industry peers.
FLYW has a better Gross Margin (63.56%) than 77.00% of its industry peers.
FLYW's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM N/A
PM (TTM) 0.97%
GM 63.56%
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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7

2. Health

2.1 Basic Checks

FLYW does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for FLYW has been increased compared to 1 year ago.
The number of shares outstanding for FLYW has been increased compared to 5 years ago.
FLYW has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the 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 3.55. This indicates that FLYW is financially healthy and has little risk of bankruptcy at the moment.
FLYW has a better Altman-Z score (3.55) than 84.00% of its industry peers.
The Debt to FCF ratio of FLYW is 1.35, which is an excellent value as it means it would take FLYW, only 1.35 years of fcf income to pay off all of its debts.
FLYW has a better Debt to FCF ratio (1.35) than 78.00% of its industry peers.
FLYW has a Debt/Equity ratio of 0.08. This is a healthy value indicating a solid balance between debt and equity.
The Debt to Equity ratio of FLYW (0.08) is better than 79.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.35
Altman-Z 3.55
ROIC/WACCN/A
WACC8.93%
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 2.02. This indicates that FLYW is financially healthy and has no problem in meeting its short term obligations.
FLYW's Current ratio of 2.02 is fine compared to the rest of the industry. FLYW outperforms 76.00% of its industry peers.
FLYW has a Quick Ratio of 2.02. This indicates that FLYW is financially healthy and has no problem in meeting its short term obligations.
FLYW has a better Quick ratio (2.02) than 77.00% of its industry peers.
Industry RankSector Rank
Current Ratio 2.02
Quick Ratio 2.02
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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7

3. Growth

3.1 Past

FLYW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 181.82%, which is quite impressive.
The Revenue has grown by 20.96% in the past year. This is a very strong growth!
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)181.82%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%140%
Revenue 1Y (TTM)20.96%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%16.96%

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.
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 Y489.36%
EPS Next 2Y319.46%
EPS Next 3Y184.88%
EPS Next 5Y209.54%
Revenue Next Year18.16%
Revenue Next 2Y16.85%
Revenue Next 3Y15.94%
Revenue Next 5Y17.39%

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
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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2

4. Valuation

4.1 Price/Earnings Ratio

Based on the Price/Earnings ratio of 131.44, the valuation of FLYW can be described as expensive.
Compared to the rest of the industry, the Price/Earnings ratio of FLYW indicates a rather expensive valuation: FLYW more expensive than 80.00% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of FLYW to the average of the S&P500 Index (27.28), we can say FLYW is valued expensively.
The Price/Forward Earnings ratio is 33.62, which means the current valuation is very expensive for FLYW.
Compared to the rest of the industry, the Price/Forward Earnings ratio of FLYW indicates a slightly more expensive valuation: FLYW is more expensive than 74.00% of the companies listed in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 21.76, FLYW is valued quite expensively.
Industry RankSector Rank
PE 131.44
Fwd PE 33.62
FLYW Price Earnings VS Forward Price EarningsFLYW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

FLYW's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. FLYW is more expensive than 67.00% of the companies in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as FLYW.
Industry RankSector Rank
P/FCF 32.35
EV/EBITDA 68.81
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 184.88% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.27
PEG (5Y)N/A
EPS Next 2Y319.46%
EPS Next 3Y184.88%

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0

5. Dividend

5.1 Amount

FLYW does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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FLYWIRE CORP-VOTING

NASDAQ:FLYW (7/2/2025, 8:00:00 PM)

After market: 11.83 0 (0%)

11.83

+0.2 (+1.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-06 2025-05-06/amc
Earnings (Next)08-04 2025-08-04/amc
Inst Owners91.17%
Inst Owner Change-10.19%
Ins Owners3.56%
Ins Owner Change26.94%
Market Cap1.44B
Analysts74.29
Price Target15.04 (27.13%)
Short Float %3.9%
Short Ratio1.66
Dividend
Industry RankSector Rank
Dividend Yield N/A
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)-1063.73%
Min EPS beat(2)-2335.76%
Max EPS beat(2)208.3%
EPS beat(4)2
Avg EPS beat(4)-511.08%
Min EPS beat(4)-2335.76%
Max EPS beat(4)208.3%
EPS beat(8)3
Avg EPS beat(8)-258.31%
EPS beat(12)5
Avg EPS beat(12)-178.08%
EPS beat(16)6
Avg EPS beat(16)-25.47%
Revenue beat(2)1
Avg Revenue beat(2)-0.58%
Min Revenue beat(2)-7.01%
Max Revenue beat(2)5.84%
Revenue beat(4)2
Avg Revenue beat(4)0.25%
Min Revenue beat(4)-7.01%
Max Revenue beat(4)5.84%
Revenue beat(8)5
Avg Revenue beat(8)2.7%
Revenue beat(12)9
Avg Revenue beat(12)4.37%
Revenue beat(16)13
Avg Revenue beat(16)9.43%
PT rev (1m)-11.64%
PT rev (3m)-22.37%
EPS NQ rev (1m)1.77%
EPS NQ rev (3m)-11.11%
EPS NY rev (1m)15.56%
EPS NY rev (3m)-14.4%
Revenue NQ rev (1m)-0.53%
Revenue NQ rev (3m)3.57%
Revenue NY rev (1m)-0.51%
Revenue NY rev (3m)2.36%
Valuation
Industry RankSector Rank
PE 131.44
Fwd PE 33.62
P/S 2.81
P/FCF 32.35
P/OCF 28.38
P/B 1.83
P/tB 8.01
EV/EBITDA 68.81
EPS(TTM)0.09
EY0.76%
EPS(NY)0.35
Fwd EY2.97%
FCF(TTM)0.37
FCFY3.09%
OCF(TTM)0.42
OCFY3.52%
SpS4.21
BVpS6.45
TBVpS1.48
PEG (NY)0.27
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.47%
ROE 0.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 0.97%
GM 63.56%
FCFM 8.69%
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
ROICexcg growth 3YN/A
ROICexcg 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-Score7
Asset Turnover0.48
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 1.35
Debt/EBITDA 3.58
Cap/Depr 33.45%
Cap/Sales 1.22%
Interest Coverage N/A
Cash Conversion 302.24%
Profit Quality 896.65%
Current Ratio 2.02
Quick Ratio 2.02
Altman-Z 3.55
F-Score7
WACC8.93%
ROIC/WACCN/A
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)181.82%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%140%
EPS Next Y489.36%
EPS Next 2Y319.46%
EPS Next 3Y184.88%
EPS Next 5Y209.54%
Revenue 1Y (TTM)20.96%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%16.96%
Revenue Next Year18.16%
Revenue Next 2Y16.85%
Revenue Next 3Y15.94%
Revenue Next 5Y17.39%
EBIT growth 1Y91.02%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year56694%
EBIT Next 3Y874.15%
EBIT Next 5Y507.35%
FCF growth 1Y838.32%
FCF growth 3Y101.29%
FCF growth 5Y205.55%
OCF growth 1Y3086.86%
OCF growth 3Y74.78%
OCF growth 5Y86.35%