FLYWIRE CORP-VOTING(NASDAQ:FLYW) stock Fundamental Analysis

Fundamental Rating

We assign a fundamental rating of 5 out of 10 to FLYW. FLYW was compared to 101 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 expensive, but it does show an excellent growth.

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1. Profitability

1.1 Basic Checks

In the past year FLYW was profitable.

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.

1.2 Ratios

FLYW has a worse Return On Assets (0.26%) than 73.27% of its industry peers.

FLYW's Return On Equity of 0.36% is on the low side compared to the rest of the industry. FLYW is outperformed by 78.22% of its industry peers.

		Industry Rank	Sector Rank
ROA	0.26%
ROE	0.36%
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

1.3 Margins

FLYW has a worse Profit Margin (0.59%) than 73.27% of its industry peers.

FLYW's Gross Margin of 63.94% is fine compared to the rest of the industry. FLYW outperforms 78.22% of its industry peers.

FLYW's Gross Margin has been stable in the last couple of years.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	0.59%
GM	63.94%

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

FLYW does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, FLYW has more shares outstanding

Compared to 5 years ago, FLYW has more shares outstanding

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

FLYW has an Altman-Z score of 2.85. This is not the best score and indicates that FLYW is in the grey zone with still only limited risk for bankruptcy at the moment.

With an excellent Altman-Z score value of 2.85, FLYW belongs to the best of the industry, outperforming 85.15% of the companies in the same industry.

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.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Altman-Z	2.85

ROIC/WACCN/A

WACC8.98%

2.3 Liquidity

FLYW has a Current Ratio of 2.63. This indicates that FLYW is financially healthy and has no problem in meeting its short term obligations.

FLYW has a Current ratio of 2.63. This is amongst the best in the industry. FLYW outperforms 82.18% of its industry peers.

FLYW has a Quick Ratio of 2.63. This indicates that FLYW is financially healthy and has no problem in meeting its short term obligations.

FLYW has a better Quick ratio (2.63) than 83.17% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	2.63
Quick Ratio	2.63

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 122.22% over the past year.

FLYW shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.08%.

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)122.22%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-1300%

Revenue 1Y (TTM)22.08%

Revenue growth 3Y34.76%

Revenue growth 5Y38.98%

Sales Q2Q%12.19%

3.2 Future

The Earnings Per Share is expected to grow by 209.54% on average over the next years. This is a very strong growth

The Revenue is expected to grow by 17.30% on average over the next years. This is quite good.

EPS Next Y588.5%

EPS Next 2Y298.26%

EPS Next 3Y160.51%

EPS Next 5Y209.54%

Revenue Next Year13.99%

Revenue Next 2Y15.09%

Revenue Next 3Y15.26%

Revenue Next 5Y17.3%

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.

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4. Valuation

4.1 Price/Earnings Ratio

A Price/Earnings ratio of 444.00 indicates a quite expensive valuation of FLYW.

80.20% of the companies in the same industry are cheaper than FLYW, based on the Price/Earnings ratio.

FLYW's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 28.29.

A Price/Forward Earnings ratio of 64.49 indicates a quite expensive valuation of FLYW.

FLYW's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FLYW is more expensive than 76.24% of the companies in the same industry.

The average S&P500 Price/Forward Earnings ratio is at 21.08. FLYW is valued rather expensively when compared to this.

		Industry Rank	Sector Rank
PE	444
Fwd PE	64.49

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FLYW indicates a slightly more expensive valuation: FLYW is more expensive than 63.37% of the companies listed in the same industry.

Based on the Price/Free Cash Flow ratio, FLYW is valued a bit cheaper than 67.33% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	12.88
EV/EBITDA	34.6

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 160.51% in the coming years. This may justify a more expensive valuation.

PEG (NY)0.75

PEG (5Y)N/A

EPS Next 2Y298.26%

EPS Next 3Y160.51%

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5. Dividend

5.1 Amount

FLYW does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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FLYWIRE CORP-VOTING

NASDAQ:FLYW (4/17/2025, 8:20:23 PM)

After market: 8.88 0 (0%)

8.88

+0.05 (+0.57%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)02-25 2025-02-25/amc

Earnings (Next)05-06 2025-05-06/amc

Inst Owners97.16%

Inst Owner Change0%

Ins Owners2.27%

Ins Owner Change17.8%

Market Cap1.10B

Analysts76.36

Price Target18.07 (103.49%)

Short Float %2.07%

Short Ratio0.98

Dividend

		Industry Rank	Sector 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)-1121.01%

Min EPS beat(2)-2335.76%

Max EPS beat(2)93.73%

EPS beat(4)1

Avg EPS beat(4)-592.07%

Min EPS beat(4)-2335.76%

Max EPS beat(4)93.73%

EPS beat(8)3

Avg EPS beat(8)-277.98%

EPS beat(12)4

Avg EPS beat(12)-212.03%

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)1

Avg Revenue beat(2)-1.85%

Min Revenue beat(2)-7.01%

Max Revenue beat(2)3.32%

Revenue beat(4)2

Avg Revenue beat(4)-0.77%

Min Revenue beat(4)-7.01%

Max Revenue beat(4)3.32%

Revenue beat(8)5

Avg Revenue beat(8)3.26%

Revenue beat(12)9

Avg Revenue beat(12)4.65%

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)-10.23%

PT rev (3m)-27.88%

EPS NQ rev (1m)0%

EPS NQ rev (3m)-82%

EPS NY rev (1m)-45.2%

EPS NY rev (3m)-39.25%

Revenue NQ rev (1m)0.11%

Revenue NQ rev (3m)-11.58%

Revenue NY rev (1m)-1.25%

Revenue NY rev (3m)-8.67%

Valuation

		Industry Rank	Sector Rank
PE	444
Fwd PE	64.49
P/S	2.23
P/FCF	12.88
P/OCF	12
P/B	1.35
P/tB	2.01
EV/EBITDA	34.6

EPS(TTM)0.02

EY0.23%

EPS(NY)0.14

Fwd EY1.55%

FCF(TTM)0.69

FCFY7.77%

OCF(TTM)0.74

OCFY8.33%

SpS3.98

BVpS6.59

TBVpS4.42

PEG (NY)0.75

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	0.26%
ROE	0.36%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	0.59%
GM	63.94%
FCFM	17.32%

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-Score8

Asset Turnover0.44

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0
Debt/EBITDA	0
Cap/Depr	35.94%
Cap/Sales	1.27%
Interest Coverage	N/A
Cash Conversion	854.2%
Profit Quality	2938.86%
Current Ratio	2.63
Quick Ratio	2.63
Altman-Z	2.85

F-Score8

WACC8.98%

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)122.22%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%-1300%

EPS Next Y588.5%

EPS Next 2Y298.26%

EPS Next 3Y160.51%

EPS Next 5Y209.54%

Revenue 1Y (TTM)22.08%

Revenue growth 3Y34.76%

Revenue growth 5Y38.98%

Sales Q2Q%12.19%

Revenue Next Year13.99%

Revenue Next 2Y15.09%

Revenue Next 3Y15.26%

Revenue Next 5Y17.3%

EBIT growth 1Y68.5%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year56736.3%

EBIT Next 3Y887.93%

EBIT Next 5Y512.8%

FCF growth 1Y14.23%

FCF growth 3Y101.29%

FCF growth 5Y205.55%

OCF growth 1Y13.45%

OCF growth 3Y74.78%

OCF growth 5Y86.35%

FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

More info and screens

4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

More info and screens

5. Dividend

5.1 Amount

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