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FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis

NASDAQ:FLYW - Nasdaq - US3024921039 - Common Stock - Currency: USD

17.66  -1.08 (-5.76%)

After market: 17.66 0 (0%)

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. While FLYW has a great health rating, there are worries on its profitability. FLYW shows excellent growth, but is valued quite expensive already.


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 always reported negative net income.
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 0 20M -20M 40M 60M 80M

1.2 Ratios

FLYW has a Return On Assets (1.62%) which is in line with its industry peers.
With a Return On Equity value of 2.38%, FLYW is not doing good in the industry: 68.32% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA 1.62%
ROE 2.38%
ROIC N/A
ROA(3y)-3.67%
ROA(5y)-5.87%
ROE(3y)-5.02%
ROE(5y)-15.96%
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 -10 -20 -30 -40 -50

1.3 Margins

Looking at the Profit Margin, with a value of 4.23%, FLYW is doing worse than 66.34% of the companies in the same industry.
The Gross Margin of FLYW (63.61%) is better than 76.24% 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 N/A
PM (TTM) 4.23%
GM 63.61%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.15%
GM growth 5YN/A
FLYW Yearly Profit, Operating, Gross MarginsFLYW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 0 20 -20 40 60

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8

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
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 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 200M 400M 600M 800M 1B

2.2 Solvency

FLYW has an Altman-Z score of 3.99. This indicates that FLYW is financially healthy and has little risk of bankruptcy at the moment.
FLYW has a Altman-Z score of 3.99. This is amongst the best in the industry. FLYW outperforms 87.13% of its industry peers.
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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 3.99
ROIC/WACCN/A
WACC16.02%
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 0 200M 400M 600M

2.3 Liquidity

A Current Ratio of 2.33 indicates that FLYW has no problem at all paying its short term obligations.
With a decent Current ratio value of 2.33, FLYW is doing good in the industry, outperforming 78.22% of the companies in the same industry.
A Quick Ratio of 2.33 indicates that FLYW has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 2.33, FLYW belongs to the best of the industry, outperforming 80.20% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.33
Quick Ratio 2.33
FLYW Yearly Current Assets VS Current LiabilitesFLYW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 200M 400M 600M 800M

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8

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 236.36% over the past year.
The Revenue has grown by 26.47% in the past year. This is a very strong growth!
The Revenue has been growing by 45.15% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)236.36%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%275%
Revenue 1Y (TTM)26.47%
Revenue growth 3Y45.15%
Revenue growth 5YN/A
Sales Q2Q%27.16%

3.2 Future

The Earnings Per Share is expected to grow by 89.33% on average over the next years. This is a very strong growth
Based on estimates for the next years, FLYW will show a very strong growth in Revenue. The Revenue will grow by 21.31% on average per year.
EPS Next Y262.79%
EPS Next 2Y118.91%
EPS Next 3Y95.33%
EPS Next 5Y89.33%
Revenue Next Year25.69%
Revenue Next 2Y23.67%
Revenue Next 3Y23.65%
Revenue Next 5Y21.31%

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 1B
FLYW Yearly EPS VS EstimatesFLYW Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 0 0.5 1 1.5 2

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings ratio is 117.73, 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 77.23% of the companies listed in the same industry.
FLYW is valuated expensively when we compare the Price/Earnings ratio to 29.62, which is the current average of the S&P500 Index.
FLYW is valuated quite expensively with a Price/Forward Earnings ratio of 70.28.
Based on the Price/Forward Earnings ratio, FLYW is valued a bit more expensive than 76.24% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.70. FLYW is valued rather expensively when compared to this.
Industry RankSector Rank
PE 117.73
Fwd PE 70.28
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

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 68.32% of the companies listed in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of FLYW indicates a somewhat cheap valuation: FLYW is cheaper than 76.24% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 11.79
EV/EBITDA 250.23
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 95.33% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.45
PEG (5Y)N/A
EPS Next 2Y118.91%
EPS Next 3Y95.33%

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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 (2/21/2025, 8:18:56 PM)

After market: 17.66 0 (0%)

17.66

-1.08 (-5.76%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-07 2024-11-07/amc
Earnings (Next)02-25 2025-02-25/amc
Inst Owners97.16%
Inst Owner Change-95.03%
Ins Owners2.27%
Ins Owner Change-12.76%
Market Cap2.20B
Analysts83.48
Price Target25.43 (44%)
Short Float %3.87%
Short Ratio3.48
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)41.56%
Min EPS beat(2)-10.61%
Max EPS beat(2)93.73%
EPS beat(4)2
Avg EPS beat(4)20.27%
Min EPS beat(4)-115.66%
Max EPS beat(4)113.62%
EPS beat(8)4
Avg EPS beat(8)25.22%
EPS beat(12)4
Avg EPS beat(12)-27.5%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)1.08%
Min Revenue beat(2)-1.16%
Max Revenue beat(2)3.32%
Revenue beat(4)3
Avg Revenue beat(4)3.18%
Min Revenue beat(4)-1.16%
Max Revenue beat(4)8.79%
Revenue beat(8)6
Avg Revenue beat(8)4.85%
Revenue beat(12)10
Avg Revenue beat(12)6.93%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)1.51%
PT rev (3m)3.62%
EPS NQ rev (1m)-163.5%
EPS NQ rev (3m)-163.5%
EPS NY rev (1m)1%
EPS NY rev (3m)2563.81%
Revenue NQ rev (1m)-3.49%
Revenue NQ rev (3m)-3.49%
Revenue NY rev (1m)-1%
Revenue NY rev (3m)-0.75%
Valuation
Industry RankSector Rank
PE 117.73
Fwd PE 70.28
P/S 4.62
P/FCF 11.79
P/OCF 11.4
P/B 2.61
P/tB 3.92
EV/EBITDA 250.23
EPS(TTM)0.15
EY0.85%
EPS(NY)0.25
Fwd EY1.42%
FCF(TTM)1.5
FCFY8.48%
OCF(TTM)1.55
OCFY8.77%
SpS3.82
BVpS6.78
TBVpS4.5
PEG (NY)0.45
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA 1.62%
ROE 2.38%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) 4.23%
GM 63.61%
FCFM 39.22%
ROA(3y)-3.67%
ROA(5y)-5.87%
ROE(3y)-5.02%
ROE(5y)-15.96%
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-0.15%
GM growth 5YN/A
F-Score8
Asset Turnover0.38
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 37.88%
Cap/Sales 1.33%
Interest Coverage N/A
Cash Conversion 3443.65%
Profit Quality 927.74%
Current Ratio 2.33
Quick Ratio 2.33
Altman-Z 3.99
F-Score8
WACC16.02%
ROIC/WACCN/A
Cap/Depr(3y)56.62%
Cap/Depr(5y)60.38%
Cap/Sales(3y)2.42%
Cap/Sales(5y)2.57%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)236.36%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%275%
EPS Next Y262.79%
EPS Next 2Y118.91%
EPS Next 3Y95.33%
EPS Next 5Y89.33%
Revenue 1Y (TTM)26.47%
Revenue growth 3Y45.15%
Revenue growth 5YN/A
Sales Q2Q%27.16%
Revenue Next Year25.69%
Revenue Next 2Y23.67%
Revenue Next 3Y23.65%
Revenue Next 5Y21.31%
EBIT growth 1Y46.85%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year462.85%
EBIT Next 3Y111.56%
EBIT Next 5Y70.84%
FCF growth 1Y543.15%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y644.12%
OCF growth 3YN/A
OCF growth 5YN/A