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FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis

USA - NASDAQ:FLYW - US3024921039 - Common Stock

13.53 USD
+0.18 (+1.35%)
Last: 9/17/2025, 8:00:00 PM
13.3 USD
-0.23 (-1.7%)
After Hours: 9/17/2025, 8:00:00 PM
Fundamental Rating

5

FLYW gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 101 industry peers in the Financial Services industry. FLYW has a great financial health rating, but its profitability evaluates not so good. FLYW is valued quite expensively, but it does show have an excellent growth rating.


Dividend Valuation Growth Profitability Health

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2

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.
Of the past 5 years FLYW 4 years had a positive operating cash flow.
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 (0.61%) than 60.40% of its industry peers.
Looking at the Return On Equity, with a value of 0.86%, FLYW is doing worse than 69.31% of the companies in the same industry.
FLYW has a worse Return On Invested Capital (0.58%) than 63.37% of its industry peers.
Industry RankSector Rank
ROA 0.61%
ROE 0.86%
ROIC 0.58%
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 Profit Margin value of 1.27%, FLYW is not doing good in the industry: 67.33% of the companies in the same industry are doing better.
FLYW has a Operating Margin of 1.18%. This is in the lower half of the industry: FLYW underperforms 73.27% of its industry peers.
FLYW's Gross Margin of 62.87% is fine compared to the rest of the industry. FLYW outperforms 75.25% 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 1.18%
PM (TTM) 1.27%
GM 62.87%
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

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.
The number of shares outstanding for FLYW has been increased compared to 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

An Altman-Z score of 3.58 indicates that FLYW is not in any danger for bankruptcy at the moment.
FLYW has a Altman-Z score of 3.58. This is amongst the best in the industry. FLYW outperforms 85.15% of its industry peers.
FLYW has a debt to FCF ratio of 0.68. This is a very positive value and a sign of high solvency as it would only need 0.68 years to pay back of all of its debts.
FLYW has a Debt to FCF ratio of 0.68. This is amongst the best in the industry. FLYW outperforms 87.13% of its industry peers.
A Debt/Equity ratio of 0.08 indicates that FLYW is not too dependend on debt financing.
FLYW has a better Debt to Equity ratio (0.08) than 83.17% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.68
Altman-Z 3.58
ROIC/WACC0.07
WACC8.68%
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 1.87. 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 1.87, FLYW is doing good in the industry, outperforming 72.28% of the companies in the same industry.
FLYW has a Quick Ratio of 1.87. This is a normal value and indicates that FLYW is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.87, FLYW is in the better half of the industry, outperforming 75.25% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.87
Quick Ratio 1.87
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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7

3. Growth

3.1 Past

FLYW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 242.86%, which is quite impressive.
The Revenue has grown by 22.21% 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)242.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%9.09%
Revenue 1Y (TTM)22.21%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%27.21%

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.
Based on estimates for the next years, FLYW will show a quite strong growth in Revenue. The Revenue will grow by 17.39% on average per year.
EPS Next Y228.64%
EPS Next 2Y298.26%
EPS Next 3Y194.9%
EPS Next 5Y209.54%
Revenue Next Year20.4%
Revenue Next 2Y18.04%
Revenue Next 3Y17.31%
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.
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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3

4. Valuation

4.1 Price/Earnings Ratio

FLYW is valuated quite expensively with a Price/Earnings ratio of 135.30.
Based on the Price/Earnings ratio, FLYW is valued a bit more expensive than 79.21% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 27.20, FLYW is valued quite expensively.
A Price/Forward Earnings ratio of 42.65 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 74.26% of the companies in the same industry.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.70, FLYW is valued quite expensively.
Industry RankSector Rank
PE 135.3
Fwd PE 42.65
FLYW Price Earnings VS Forward Price EarningsFLYW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80 100

4.2 Price Multiples

FLYW's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. FLYW is more expensive than 61.39% of the companies in the same industry.
FLYW's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. FLYW is cheaper than 64.36% of the companies in the same industry.
Industry RankSector Rank
P/FCF 18.89
EV/EBITDA 51.38
FLYW Per share dataFLYW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 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 194.90% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.59
PEG (5Y)N/A
EPS Next 2Y298.26%
EPS Next 3Y194.9%

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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 (9/17/2025, 8:00:00 PM)

After market: 13.3 -0.23 (-1.7%)

13.53

+0.18 (+1.35%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)08-05 2025-08-05/amc
Earnings (Next)11-05 2025-11-05/amc
Inst Owners90.68%
Inst Owner Change0.59%
Ins Owners3.54%
Ins Owner Change-0.56%
Market Cap1.65B
Analysts72.38
Price Target14.49 (7.1%)
Short Float %4.25%
Short Ratio2.08
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)83.11%
Min EPS beat(2)-42.09%
Max EPS beat(2)208.3%
EPS beat(4)2
Avg EPS beat(4)-518.95%
Min EPS beat(4)-2335.76%
Max EPS beat(4)208.3%
EPS beat(8)3
Avg EPS beat(8)-263.29%
EPS beat(12)5
Avg EPS beat(12)-177.09%
EPS beat(16)6
Avg EPS beat(16)-27.42%
Revenue beat(2)2
Avg Revenue beat(2)5.9%
Min Revenue beat(2)5.84%
Max Revenue beat(2)5.96%
Revenue beat(4)3
Avg Revenue beat(4)2.03%
Min Revenue beat(4)-7.01%
Max Revenue beat(4)5.96%
Revenue beat(8)5
Avg Revenue beat(8)2.07%
Revenue beat(12)9
Avg Revenue beat(12)3.79%
Revenue beat(16)13
Avg Revenue beat(16)7.28%
PT rev (1m)2.16%
PT rev (3m)-5.55%
EPS NQ rev (1m)-2.16%
EPS NQ rev (3m)0.91%
EPS NY rev (1m)-53.06%
EPS NY rev (3m)-35.56%
Revenue NQ rev (1m)0.69%
Revenue NQ rev (3m)1.21%
Revenue NY rev (1m)1.23%
Revenue NY rev (3m)1.94%
Valuation
Industry RankSector Rank
PE 135.3
Fwd PE 42.65
P/S 3.07
P/FCF 18.89
P/OCF 17.59
P/B 2.09
P/tB 8.88
EV/EBITDA 51.38
EPS(TTM)0.1
EY0.74%
EPS(NY)0.32
Fwd EY2.34%
FCF(TTM)0.72
FCFY5.29%
OCF(TTM)0.77
OCFY5.68%
SpS4.41
BVpS6.48
TBVpS1.52
PEG (NY)0.59
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 0.61%
ROE 0.86%
ROCE 0.73%
ROIC 0.58%
ROICexc 0.84%
ROICexgc N/A
OM 1.18%
PM (TTM) 1.27%
GM 62.87%
FCFM 16.23%
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-Score6
Asset Turnover0.48
Health
Industry RankSector Rank
Debt/Equity 0.08
Debt/FCF 0.68
Debt/EBITDA 2.18
Cap/Depr 30.51%
Cap/Sales 1.2%
Interest Coverage 250
Cash Conversion 341.31%
Profit Quality 1282.75%
Current Ratio 1.87
Quick Ratio 1.87
Altman-Z 3.58
F-Score6
WACC8.68%
ROIC/WACC0.07
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)242.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%9.09%
EPS Next Y228.64%
EPS Next 2Y298.26%
EPS Next 3Y194.9%
EPS Next 5Y209.54%
Revenue 1Y (TTM)22.21%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%27.21%
Revenue Next Year20.4%
Revenue Next 2Y18.04%
Revenue Next 3Y17.31%
Revenue Next 5Y17.39%
EBIT growth 1Y132.82%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year56979.4%
EBIT Next 3Y876.74%
EBIT Next 5Y507.35%
FCF growth 1Y19369.3%
FCF growth 3Y101.29%
FCF growth 5Y205.55%
OCF growth 1Y1176.4%
OCF growth 3Y74.78%
OCF growth 5Y86.35%