14.605 USD
+0.51 (+3.58%)
Overall FLYW gets a fundamental rating of 4 out of 10. We evaluated FLYW against 97 industry peers in the Financial Services industry. FLYW has a great financial health rating, but its profitability evaluates not so good. While showing a medium growth rate, FLYW is valued expensive at the moment.
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.
1.2 Ratios
Looking at the Return On Assets, with a value of -0.19%, FLYW is doing worse than 75.26% 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 72.16% of its industry peers.
FLYW has a Return On Invested Capital (1.68%) which is in line with 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
The Operating Margin of FLYW (3.15%) is worse than 68.04% of its industry peers.
FLYW has a better Gross Margin (62.58%) than 75.26% 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
FLYW has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for FLYW has been increased compared to 1 year ago.
FLYW has more shares outstanding than it did 5 years ago.
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
An Altman-Z score of 2.93 indicates that FLYW is not a great score, but indicates only limited risk for bankruptcy at the moment.
FLYW has a better Altman-Z score (2.93) than 83.51% 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.
FLYW has a Debt to FCF ratio of 0.32. This is amongst the best in the industry. FLYW outperforms 85.57% of its industry peers.
A Debt/Equity ratio of 0.02 indicates that FLYW is not too dependend on debt financing.
FLYW's Debt to Equity ratio of 0.02 is amongst the best of the industry. FLYW outperforms 85.57% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.02 | ||
| Debt/FCF | 0.32 | ||
| Altman-Z | 2.93 |
ROIC/WACC0.19
WACC8.82%
2.3 Liquidity
A Current Ratio of 1.53 indicates that FLYW should not have too much problems paying its short term obligations.
FLYW has a better Current ratio (1.53) than 70.10% 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.
FLYW's Quick ratio of 1.53 is fine compared to the rest of the industry. FLYW outperforms 72.16% 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
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 17.39% on average over the next years. This is quite good.
EPS Next Y445.7%
EPS Next 2Y305.7%
EPS Next 3Y201.72%
EPS Next 5Y209.54%
Revenue Next Year25.08%
Revenue Next 2Y19.73%
Revenue Next 3Y18%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 486.83, FLYW can be considered very expensive at the moment.
Based on the Price/Earnings ratio, FLYW is valued expensively inside the industry as 80.41% of the companies are valued cheaper.
When comparing the Price/Earnings ratio of FLYW to the average of the S&P500 Index (26.59), we can say FLYW is valued expensively.
A Price/Forward Earnings ratio of 44.37 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 73.20% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 23.80. FLYW is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 486.83 | ||
| Fwd PE | 44.37 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of FLYW is on the same level as its industry peers.
FLYW's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 38.59 | ||
| EV/EBITDA | 31.79 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as FLYW's earnings are expected to grow with 201.72% in the coming years.
PEG (NY)1.09
PEG (5Y)N/A
EPS Next 2Y305.7%
EPS Next 3Y201.72%
5. Dividend
5.1 Amount
No dividends for FLYW!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:FLYW (12/11/2025, 3:19:01 PM)
14.605
+0.51 (+3.58%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners93.8%
Inst Owner Change3.12%
Ins Owners3.46%
Ins Owner Change-1.17%
Market Cap1.78B
Revenue(TTM)583.03M
Net Income(TTM)-2.44M
Analysts73.64
Price Target16.75 (14.69%)
Short Float %4.58%
Short Ratio3.24
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)-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)10.67%
PT rev (3m)15.59%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-172.75%
EPS NY rev (1m)47.59%
EPS NY rev (3m)66.05%
Revenue NQ rev (1m)0.3%
Revenue NQ rev (3m)4.77%
Revenue NY rev (1m)3.38%
Revenue NY rev (3m)3.83%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 486.83 | ||
| Fwd PE | 44.37 | ||
| P/S | 3.06 | ||
| P/FCF | 38.59 | ||
| P/OCF | 33.14 | ||
| P/B | 2.15 | ||
| P/tB | 7.8 | ||
| EV/EBITDA | 31.79 |
EPS(TTM)0.03
EY0.21%
EPS(NY)0.33
Fwd EY2.25%
FCF(TTM)0.38
FCFY2.59%
OCF(TTM)0.44
OCFY3.02%
SpS4.77
BVpS6.79
TBVpS1.87
PEG (NY)1.09
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 | 2.93 |
F-Score4
WACC8.82%
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 Y445.7%
EPS Next 2Y305.7%
EPS Next 3Y201.72%
EPS Next 5Y209.54%
Revenue 1Y (TTM)22.71%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%27.63%
Revenue Next Year25.08%
Revenue Next 2Y19.73%
Revenue Next 3Y18%
Revenue Next 5Y17.39%
EBIT growth 1Y265.42%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year63422%
EBIT Next 3Y911.15%
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 445.7% in the next year.