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FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis

USA - NASDAQ:FLYW - US3024921039 - Common Stock

13.36 USD
+0.01 (+0.07%)
Last: 11/20/2025, 1:40:02 PM
Fundamental Rating

4

Overall FLYW gets a fundamental rating of 4 out of 10. We evaluated FLYW against 99 industry peers in the Financial Services industry. FLYW has a great financial health rating, but its profitability evaluates not so good. FLYW is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

FLYW had positive earnings in the past year.
In the past year FLYW had a positive cash flow from operations.
FLYW had negative earnings in 4 of the past 5 years.
FLYW had a positive operating cash flow in 4 of the past 5 years.
FLYW Yearly Net Income VS EBIT VS OCF VS FCFFLYW Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M 80M

1.2 Ratios

FLYW has a worse Return On Assets (-0.19%) than 74.75% of its industry peers.
FLYW has a worse Return On Equity (-0.29%) than 72.73% of its industry peers.
Looking at the Return On Invested Capital, with a value of 1.68%, FLYW is in line with its industry, outperforming 43.43% of the companies in the same industry.
Industry RankSector 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
FLYW Yearly ROA, ROE, ROICFLYW Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 -10 -20 -30 -40 -50

1.3 Margins

With a Operating Margin value of 3.15%, FLYW is not doing good in the industry: 67.68% of the companies in the same industry are doing better.
FLYW has a better Gross Margin (62.58%) than 75.76% 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 RankSector 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%
FLYW Yearly Profit, Operating, Gross MarginsFLYW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 20 -20 40 60

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7

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.
FLYW has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
FLYW Yearly Shares OutstandingFLYW Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M
FLYW Yearly Total Debt VS Total AssetsFLYW Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

FLYW has an Altman-Z score of 2.81. 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 2.81, FLYW belongs to the best of the industry, outperforming 83.84% of the companies in the same industry.
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.
The Debt to FCF ratio of FLYW (0.32) is better than 86.87% 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's Debt to Equity ratio of 0.02 is amongst the best of the industry. FLYW outperforms 85.86% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.32
Altman-Z 2.81
ROIC/WACC0.19
WACC8.76%
FLYW Yearly LT Debt VS Equity VS FCFFLYW Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 200M 400M 600M 800M

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 70.71% of its industry peers.
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.
With a decent Quick ratio value of 1.53, FLYW is doing good in the industry, outperforming 71.72% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.53
Quick Ratio 1.53
FLYW Yearly Current Assets VS Current LiabilitesFLYW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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6

3. Growth

3.1 Past

The earnings per share for FLYW have decreased strongly by -80.00% in the last year.
FLYW shows a strong growth in Revenue. In the last year, the Revenue has grown by 22.71%.
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

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 Y269.75%
EPS Next 2Y287.88%
EPS Next 3Y187.74%
EPS Next 5Y209.54%
Revenue Next Year20.99%
Revenue Next 2Y18.34%
Revenue Next 3Y17.31%
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.
FLYW Yearly Revenue VS EstimatesFLYW Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 200M 400M 600M 800M
FLYW Yearly EPS VS EstimatesFLYW Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 0.5 1 1.5

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2

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 445.33, which means the current valuation is very expensive for FLYW.
Compared to the rest of the industry, the Price/Earnings ratio of FLYW indicates a slightly more expensive valuation: FLYW is more expensive than 79.80% of the companies listed in the same industry.
FLYW is valuated expensively when we compare the Price/Earnings ratio to 25.47, which is the current average of the S&P500 Index.
FLYW is valuated quite expensively with a Price/Forward Earnings ratio of 44.40.
FLYW's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FLYW is more expensive than 75.76% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 35.42. FLYW is valued slightly more expensive when compared to this.
Industry RankSector Rank
PE 445.33
Fwd PE 44.4
FLYW Price Earnings VS Forward Price EarningsFLYW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 100 200 300 400

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 RankSector Rank
P/FCF 35.35
EV/EBITDA 29.67
FLYW Per share dataFLYW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
FLYW's earnings are expected to grow with 187.74% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.65
PEG (5Y)N/A
EPS Next 2Y287.88%
EPS Next 3Y187.74%

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0

5. Dividend

5.1 Amount

No dividends for FLYW!.
Industry RankSector Rank
Dividend Yield N/A

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FLYWIRE CORP-VOTING

NASDAQ:FLYW (11/20/2025, 1:40:02 PM)

13.36

+0.01 (+0.07%)

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 Owners88.33%
Inst Owner Change3.2%
Ins Owners3.45%
Ins Owner Change-0.77%
Market Cap1.63B
Revenue(TTM)583.03M
Net Income(TTM)-2.44M
Analysts73.64
Price Target15.14 (13.32%)
Short Float %4.02%
Short Ratio2.49
Dividend
Industry RankSector 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)-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)4.45%
PT rev (3m)6.7%
EPS NQ rev (1m)-172.75%
EPS NQ rev (3m)-166.69%
EPS NY rev (1m)1.75%
EPS NY rev (3m)-47.18%
Revenue NQ rev (1m)4.4%
Revenue NQ rev (3m)4.41%
Revenue NY rev (1m)0.49%
Revenue NY rev (3m)1.72%
Valuation
Industry RankSector Rank
PE 445.33
Fwd PE 44.4
P/S 2.8
P/FCF 35.35
P/OCF 30.36
P/B 1.97
P/tB 7.14
EV/EBITDA 29.67
EPS(TTM)0.03
EY0.22%
EPS(NY)0.3
Fwd EY2.25%
FCF(TTM)0.38
FCFY2.83%
OCF(TTM)0.44
OCFY3.29%
SpS4.77
BVpS6.78
TBVpS1.87
PEG (NY)1.65
PEG (5Y)N/A
Graham Number2.14
Profitability
Industry RankSector 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 RankSector 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 2.81
F-Score4
WACC8.76%
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 Y269.75%
EPS Next 2Y287.88%
EPS Next 3Y187.74%
EPS Next 5Y209.54%
Revenue 1Y (TTM)22.71%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%27.63%
Revenue Next Year20.99%
Revenue Next 2Y18.34%
Revenue Next 3Y17.31%
Revenue Next 5Y17.39%
EBIT growth 1Y265.42%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year70514.7%
EBIT Next 3Y893.35%
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 269.75% in the next year.