Taking everything into account, FLYW scores 4 out of 10 in our fundamental rating. FLYW was compared to 97 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 valied quite expensively at the moment, while it does show a decent growth rate.

Quickly go to:

1. Profitability

2. Health

3. Growth

4. Valuation

5. Dividend

1. Profitability

1.1 Basic Checks

In the past year FLYW was profitable.
FLYW had a positive operating cash flow in the past year.
FLYW had negative earnings in 4 of the past 5 years.
Of the past 5 years FLYW 4 years had a positive operating cash flow.

1.2 Ratios

FLYW has a Return On Assets of -0.19%. This is in the lower half of the industry: FLYW underperforms 73.20% of its industry peers.
FLYW has a Return On Equity of -0.29%. This is in the lower half of the industry: FLYW underperforms 71.13% of its industry peers.
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

Looking at the Operating Margin, with a value of 3.15%, FLYW is doing worse than 68.04% of the companies in the same industry.
Looking at the Gross Margin, with a value of 62.58%, FLYW is in the better half of the industry, outperforming 74.23% of the companies in the same industry.
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%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FLYW is destroying value.
The number of shares outstanding for FLYW has been increased compared to 1 year ago.
Compared to 5 years ago, FLYW has more shares outstanding
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

An Altman-Z score of 2.87 indicates that FLYW is not a great score, but indicates only limited risk for bankruptcy at the moment.
FLYW has a Altman-Z score of 2.87. This is amongst the best in the industry. FLYW outperforms 84.54% of its industry peers.
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 86.60% 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 better Debt to Equity ratio (0.02) than 85.57% of its industry peers.

		Industry Rank	Sector Rank
Debt/Equity	0.02
Debt/FCF	0.32
Altman-Z	2.87

ROIC/WACC0.19

WACC8.88%

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.
The Current ratio of FLYW (1.53) is better than 71.13% of its industry peers.
A Quick Ratio of 1.53 indicates that FLYW should not have too much problems paying its short term obligations.
With a decent Quick ratio value of 1.53, FLYW is doing good in the industry, outperforming 73.20% of the companies in the same industry.

		Industry Rank	Sector Rank
Current Ratio	1.53
Quick Ratio	1.53

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WACC

Debt/Equity

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Altman-Z score

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3. Growth

3.1 Past

The earnings per share for FLYW have decreased strongly by -80.00% in the last year.
Looking at the last year, FLYW shows a very strong growth in Revenue. The Revenue has grown by 22.71%.
FLYW shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 38.98% yearly.

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.
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 2Y298.69%

EPS Next 3Y199.48%

EPS Next 5Y209.54%

Revenue Next Year25.83%

Revenue Next 2Y20.39%

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.

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4. Valuation

4.1 Price/Earnings Ratio

With a Price/Earnings ratio of 457.67, FLYW can be considered very expensive at the moment.
Based on the Price/Earnings ratio, FLYW is valued a bit more expensive than 78.35% 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 27.21.
Based on the Price/Forward Earnings ratio of 43.19, the valuation of FLYW can be described as expensive.
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 74.23% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of FLYW to the average of the S&P500 Index (25.98), we can say FLYW is valued expensively.

		Industry Rank	Sector Rank
PE	457.67
Fwd PE	43.19

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	36.28
EV/EBITDA	30.72

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.