13.79 USD
-0.08 (-0.58%)
13.79 USD
0 (0%)
We assign a fundamental rating of 4 out of 10 to FLYW. FLYW was compared to 97 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.
- In the past year FLYW had a positive cash flow from operations.
- 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
- Looking at the Return On Assets, with a value of -0.19%, FLYW is doing worse than 73.20% of the companies in the same industry.
- 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 of 1.68%. This is comparable to the rest of the industry: FLYW outperforms 44.33% 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
- With a Operating Margin value of 3.15%, FLYW is not doing good in the industry: 68.04% of the companies in the same industry are doing better.
- FLYW's Gross Margin of 62.58% is fine compared to the rest of the industry. FLYW outperforms 74.23% 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
- The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FLYW is destroying value.
- FLYW has more shares outstanding than it did 1 year ago.
- 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 2.88. 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.
- FLYW's Altman-Z score of 2.88 is amongst the best of 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.
- The Debt to FCF ratio of FLYW (0.32) is better than 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.
- Looking at the Debt to Equity ratio, with a value of 0.02, FLYW belongs to the top of the industry, outperforming 85.57% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.32 | ||
| Altman-Z | 2.88 |
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.
- FLYW has a better Current ratio (1.53) 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.
- FLYW has a better Quick ratio (1.53) than 73.20% of its industry peers.
| 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!
- 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)-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.
- The Revenue is expected to grow by 17.39% on average over the next years. This is quite good.
EPS Next Y466.1%
EPS Next 2Y299.95%
EPS Next 3Y199.57%
EPS Next 5Y209.54%
Revenue Next Year25.53%
Revenue Next 2Y20.21%
Revenue Next 3Y18.75%
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
- With a Price/Earnings ratio of 459.67, FLYW can be considered very expensive at the moment.
- Based on the Price/Earnings ratio, FLYW is valued a bit more expensive than 79.38% of the companies in the same industry.
- FLYW is valuated expensively when we compare the Price/Earnings ratio to 27.38, which is the current average of the S&P500 Index.
- FLYW is valuated quite expensively with a Price/Forward Earnings ratio of 43.11.
- 74.23% 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 (24.29), we can say FLYW is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 459.67 | ||
| Fwd PE | 43.11 |
4.2 Price Multiples
- FLYW's Enterprise Value to EBITDA ratio is in line with the industry average.
- FLYW's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 36.44 | ||
| EV/EBITDA | 30.89 |
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.
- A more expensive valuation may be justified as FLYW's earnings are expected to grow with 199.57% in the coming years.
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% |
13.79
-0.08 (-0.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04 2025-11-04/amc
Earnings (Next)02-23 2026-02-23/amc
Inst Owners93.55%
Inst Owner Change0.04%
Ins Owners3.39%
Ins Owner Change-1.25%
Market Cap1.68B
Revenue(TTM)583.03M
Net Income(TTM)-2.44M
Analysts73.64
Price Target17.26 (25.16%)
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)3.04%
PT rev (3m)19.11%
EPS NQ rev (1m)23.65%
EPS NQ rev (3m)-108.25%
EPS NY rev (1m)3.74%
EPS NY rev (3m)55.79%
Revenue NQ rev (1m)0.36%
Revenue NQ rev (3m)5.09%
Revenue NY rev (1m)0.35%
Revenue NY rev (3m)4.25%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 459.67 | ||
| Fwd PE | 43.11 | ||
| P/S | 2.89 | ||
| P/FCF | 36.44 | ||
| P/OCF | 31.29 | ||
| P/B | 2.03 | ||
| P/tB | 7.36 | ||
| EV/EBITDA | 30.89 |
EPS(TTM)0.03
EY0.22%
EPS(NY)0.32
Fwd EY2.32%
FCF(TTM)0.38
FCFY2.74%
OCF(TTM)0.44
OCFY3.2%
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 | 2.88 |
F-Score4
WACC8.88%
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 Year25.53%
Revenue Next 2Y20.21%
Revenue Next 3Y18.75%
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 459.67 and the Price/Book (PB) ratio is 2.03.