14.47 USD
-0.31 (-2.1%)
14.47 USD
0 (0%)
Taking everything into account, FLYW scores 4 out of 10 in our fundamental rating. FLYW was compared to 99 industry peers in the Financial Services industry. While FLYW has a great health rating, there are worries on its profitability. FLYW is quite expensive at the moment. It does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year FLYW was profitable.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of -0.19%, FLYW is doing worse than 72.73% of the companies in the same industry.
Looking at the Return On Equity, with a value of -0.29%, FLYW is doing worse than 70.71% of the companies in the same industry.
FLYW has a Return On Invested Capital (1.68%) which is in line with its industry peers.
| Industry Rank | Sector 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
1.3 Margins
FLYW has a worse Operating Margin (3.15%) than 66.67% of its industry peers.
With a decent Gross Margin value of 62.58%, FLYW is doing good in the industry, outperforming 75.76% of the companies in the same industry.
FLYW's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector 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%
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.
FLYW has more shares outstanding than it did 1 year ago.
FLYW has more shares outstanding than it did 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.
2.2 Solvency
FLYW has an Altman-Z score of 3.00. This indicates that FLYW is financially healthy and has little risk of bankruptcy at the moment.
FLYW has a Altman-Z score of 3.00. This is amongst the best in the industry. FLYW outperforms 83.84% of its industry peers.
The Debt to FCF ratio of FLYW is 0.32, which is an excellent value as it means it would take FLYW, only 0.32 years of fcf income to pay off all of its debts.
FLYW has a Debt to FCF ratio of 0.32. This is amongst the best in the industry. FLYW outperforms 85.86% 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.
With an excellent Debt to Equity ratio value of 0.02, FLYW belongs to the best of the industry, outperforming 85.86% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.32 | ||
| Altman-Z | 3 |
ROIC/WACC0.19
WACC8.82%
2.3 Liquidity
A Current Ratio of 1.53 indicates that FLYW should not have too much problems paying 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 70.71% 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's Quick ratio of 1.53 is fine compared to the rest of the industry. FLYW outperforms 72.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.53 | ||
| Quick Ratio | 1.53 |
3. Growth
3.1 Past
FLYW shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -80.00%.
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.
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 Y445.7%
EPS Next 2Y305.7%
EPS Next 3Y201.72%
EPS Next 5Y209.54%
Revenue Next Year25.08%
Revenue Next 2Y19.73%
Revenue Next 3Y18%
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.
4. Valuation
4.1 Price/Earnings Ratio
A Price/Earnings ratio of 482.33 indicates a quite expensive valuation of FLYW.
FLYW's Price/Earnings ratio is a bit more expensive when compared to the industry. FLYW is more expensive than 78.79% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 26.59. FLYW is valued rather expensively when compared to this.
FLYW is valuated quite expensively with a Price/Forward Earnings ratio of 43.96.
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 72.73% of the companies listed in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 24.03. FLYW is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 482.33 | ||
| Fwd PE | 43.96 |
4.2 Price Multiples
FLYW's Enterprise Value to EBITDA is on the same level as the industry average.
The rest of the industry has a similar Price/Free Cash Flow ratio as FLYW.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 38.24 | ||
| EV/EBITDA | 32.86 |
4.3 Compensation for Growth
FLYW's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as FLYW's earnings are expected to grow with 201.72% in the coming years.
PEG (NY)1.08
PEG (5Y)N/A
EPS Next 2Y305.7%
EPS Next 3Y201.72%
5. Dividend
5.1 Amount
No dividends for FLYW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
14.47
-0.31 (-2.1%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners93.8%
Inst Owner Change3.12%
Ins Owners3.46%
Ins Owner Change-1.15%
Market Cap1.77B
Revenue(TTM)583.03M
Net Income(TTM)-2.44M
Analysts73.64
Price TargetN/A
Short Float %3.39%
Short Ratio2.43
Dividend
| Industry Rank | Sector 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)-537.08%
Min EPS beat(4)-2335.76%
Max EPS beat(4)208.3%
EPS beat(8)4
Avg EPS beat(8)-258.4%
EPS beat(12)6
Avg EPS beat(12)-162.21%
EPS beat(16)6
Avg EPS beat(16)-154.89%
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)10.67%
PT rev (3m)15.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-172.75%
EPS NY rev (1m)47.59%
EPS NY rev (3m)66.05%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)4.77%
Revenue NY rev (1m)3.38%
Revenue NY rev (3m)3.89%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 482.33 | ||
| Fwd PE | 43.96 | ||
| P/S | 3.03 | ||
| P/FCF | 38.24 | ||
| P/OCF | 32.83 | ||
| P/B | 2.13 | ||
| P/tB | 7.72 | ||
| EV/EBITDA | 32.86 |
EPS(TTM)0.03
EY0.21%
EPS(NY)0.33
Fwd EY2.27%
FCF(TTM)0.38
FCFY2.62%
OCF(TTM)0.44
OCFY3.05%
SpS4.77
BVpS6.79
TBVpS1.87
PEG (NY)1.08
PEG (5Y)N/A
Graham Number2.14
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 3 |
F-Score4
WACC8.82%
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 Y445.7%
EPS Next 2Y305.7%
EPS Next 3Y201.72%
EPS Next 5Y209.54%
Revenue 1Y (TTM)22.71%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%27.63%
Revenue Next Year25.08%
Revenue Next 2Y19.73%
Revenue Next 3Y18%
Revenue Next 5Y17.39%
EBIT growth 1Y265.42%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year63422%
EBIT Next 3Y911.15%
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 of FLYWIRE CORP-VOTING (FLYW) stock?
ChartMill assigns a valuation rating of 2 / 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 expected EPS growth for FLYW stock?
The Earnings per Share (EPS) of FLYWIRE CORP-VOTING (FLYW) is expected to grow by 445.7% in the next year.