13.9 USD
-0.26 (-1.84%)
13.9 USD
0 (0%)
Taking everything into account, FLYW scores 4 out of 10 in our fundamental rating. FLYW was compared to 98 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
With a Return On Assets value of -0.19%, FLYW is not doing good in the industry: 72.45% of the companies in the same industry are doing better.
The Return On Equity of FLYW (-0.29%) is worse than 70.41% of its industry peers.
FLYW has a Return On Invested Capital of 1.68%. This is comparable to the rest of the industry: FLYW outperforms 44.90% of 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's Operating Margin of 3.15% is on the low side compared to the rest of the industry. FLYW is outperformed by 67.35% 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 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
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.
FLYW has more shares outstanding than it did 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.
2.2 Solvency
An Altman-Z score of 2.95 indicates that FLYW is not a great score, but indicates only limited risk for bankruptcy at the moment.
FLYW has a better Altman-Z score (2.95) than 84.69% 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.
With an excellent Debt to FCF ratio value of 0.32, FLYW belongs to the best of the industry, outperforming 86.73% of the companies in the same industry.
A Debt/Equity ratio of 0.02 indicates that FLYW is not too dependend on debt financing.
FLYW has a better Debt to Equity ratio (0.02) than 85.71% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.32 | ||
| Altman-Z | 2.95 |
ROIC/WACC0.19
WACC8.83%
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.
With a decent Current ratio value of 1.53, FLYW is doing good in the industry, outperforming 71.43% 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.
Looking at the Quick ratio, with a value of 1.53, FLYW is in the better half of the industry, outperforming 73.47% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.53 | ||
| Quick Ratio | 1.53 |
3. Growth
3.1 Past
The earnings per share for FLYW have decreased strongly by -80.00% in the last year.
The Revenue has grown by 22.71% in the past year. This is a very strong growth!
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
FLYW is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 209.54% yearly.
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 Y466.1%
EPS Next 2Y299.95%
EPS Next 3Y199.57%
EPS Next 5Y209.54%
Revenue Next Year25.38%
Revenue Next 2Y20.07%
Revenue Next 3Y18.34%
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.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 463.33, the valuation of FLYW can be described as expensive.
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 26.60.
The Price/Forward Earnings ratio is 43.45, which means the current valuation is very expensive for FLYW.
74.49% of the companies in the same industry are cheaper than FLYW, based on the Price/Forward Earnings ratio.
When comparing the Price/Forward Earnings ratio of FLYW to the average of the S&P500 Index (23.23), we can say FLYW is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 463.33 | ||
| Fwd PE | 43.45 |
4.2 Price Multiples
FLYW's Enterprise Value to EBITDA ratio is in line with the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FLYW is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 36.73 | ||
| EV/EBITDA | 31.96 |
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 199.57% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.99
PEG (5Y)N/A
EPS Next 2Y299.95%
EPS Next 3Y199.57%
5. Dividend
5.1 Amount
FLYW does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
13.9
-0.26 (-1.84%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners93.55%
Inst Owner Change3.12%
Ins Owners3.39%
Ins Owner Change-1.15%
Market Cap1.70B
Revenue(TTM)583.03M
Net Income(TTM)-2.44M
Analysts73.64
Price Target16.75 (20.5%)
Short Float %3.56%
Short Ratio2.63
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)-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%
PT rev (3m)15.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-172.75%
EPS NY rev (1m)53.1%
EPS NY rev (3m)55.79%
Revenue NQ rev (1m)0.24%
Revenue NQ rev (3m)5.02%
Revenue NY rev (1m)3.63%
Revenue NY rev (3m)4.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 463.33 | ||
| Fwd PE | 43.45 | ||
| P/S | 2.91 | ||
| P/FCF | 36.73 | ||
| P/OCF | 31.54 | ||
| P/B | 2.05 | ||
| P/tB | 7.42 | ||
| EV/EBITDA | 31.96 |
EPS(TTM)0.03
EY0.22%
EPS(NY)0.32
Fwd EY2.3%
FCF(TTM)0.38
FCFY2.72%
OCF(TTM)0.44
OCFY3.17%
SpS4.77
BVpS6.79
TBVpS1.87
PEG (NY)0.99
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 | 2.95 |
F-Score4
WACC8.83%
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 Y466.1%
EPS Next 2Y299.95%
EPS Next 3Y199.57%
EPS Next 5Y209.54%
Revenue 1Y (TTM)22.71%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%27.63%
Revenue Next Year25.38%
Revenue Next 2Y20.07%
Revenue Next 3Y18.34%
Revenue Next 5Y17.39%
EBIT growth 1Y265.42%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year63395.6%
EBIT Next 3Y908.2%
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 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 PE and PB ratios for FLYW stock?
The Price/Earnings (PE) ratio for FLYWIRE CORP-VOTING (FLYW) is 463.33 and the Price/Book (PB) ratio is 2.05.