FLYWIRE CORP-VOTING (FLYW) Stock Fundamental Analysis

NASDAQ:FLYW • US3024921039

10.97 USD
+0.18 (+1.67%)
At close: Feb 13, 2026
10.97 USD
0 (0%)
After Hours: 2/13/2026, 8:09:45 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

4

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. FLYW is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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.
  • 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's Return On Assets of -0.19% is on the low side compared to the rest of the industry. FLYW is outperformed by 74.23% of its industry peers.
  • FLYW's Return On Equity of -0.29% is on the low side compared to the rest of the industry. FLYW is outperformed by 70.10% of its industry peers.
  • FLYW has a Return On Invested Capital (1.68%) which is in line with its industry peers.
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

  • Looking at the Operating Margin, with a value of 3.15%, FLYW is doing worse than 65.98% of the companies in the same industry.
  • FLYW's Gross Margin of 62.58% is fine compared to the rest of the industry. FLYW outperforms 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 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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ROAROEROICOperating and Profit MarginShow most profitable peers

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.
  • Compared to 1 year ago, FLYW has more shares outstanding
  • Compared to 5 years 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 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 2.40 indicates that FLYW is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • FLYW's Altman-Z score of 2.40 is amongst the best of the industry. FLYW outperforms 80.41% 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.
  • Looking at the Debt to FCF ratio, with a value of 0.32, FLYW belongs to the top of the industry, outperforming 85.57% of the companies in the same industry.
  • A Debt/Equity ratio of 0.02 indicates that FLYW is not too dependend on debt financing.
  • The Debt to Equity ratio of FLYW (0.02) is better than 83.51% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.32
Altman-Z 2.4
ROIC/WACC0.19
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

  • 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 71.13% 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 has a better Quick ratio (1.53) than 73.20% of its industry peers.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

6

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

  • 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 Y470.28%
EPS Next 2Y297.62%
EPS Next 3Y199.48%
EPS Next 5Y209.54%
Revenue Next Year25.84%
Revenue Next 2Y20.22%
Revenue Next 3Y18.8%
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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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 365.67, 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 79.38% of the companies listed in the same industry.
  • The average S&P500 Price/Earnings ratio is at 26.68. FLYW is valued rather expensively when compared to this.
  • A Price/Forward Earnings ratio of 34.69 indicates a quite expensive valuation of FLYW.
  • Based on the Price/Forward Earnings ratio, FLYW is valued a bit more expensive than the industry average as 75.26% of the companies are valued more cheaply.
  • When comparing the Price/Forward Earnings ratio of FLYW to the average of the S&P500 Index (28.06), we can say FLYW is valued slightly more expensively.
Industry RankSector Rank
PE 365.67
Fwd PE 34.69
FLYW Price Earnings VS Forward Price EarningsFLYW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 100 200 300

4.2 Price Multiples

  • FLYW's Enterprise Value to EBITDA is on the same level as the industry average.
  • FLYW's Price/Free Cash Flow ratio is in line with the industry average.
Industry RankSector Rank
P/FCF 28.99
EV/EBITDA 22.7
FLYW Per share dataFLYW EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

4.3 Compensation for Growth

  • The 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 199.48% in the coming years.
PEG (NY)0.78
PEG (5Y)N/A
EPS Next 2Y297.62%
EPS Next 3Y199.48%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for FLYW!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

FLYWIRE CORP-VOTING

NASDAQ:FLYW (2/13/2026, 8:09:45 PM)

After market: 10.97 0 (0%)

10.97

+0.18 (+1.67%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-04
Earnings (Next)02-24
Inst Owners93.55%
Inst Owner Change4.08%
Ins Owners3.39%
Ins Owner Change-1.25%
Market Cap1.34B
Revenue(TTM)583.03M
Net Income(TTM)-2.44M
Analysts76.36
Price Target17.42 (58.8%)
Short Float %3.8%
Short Ratio3.55
Dividend
Industry RankSector 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)4.02%
PT rev (3m)15.12%
EPS NQ rev (1m)-10.08%
EPS NQ rev (3m)15.95%
EPS NY rev (1m)0.74%
EPS NY rev (3m)54.23%
Revenue NQ rev (1m)0.49%
Revenue NQ rev (3m)1.16%
Revenue NY rev (1m)0.25%
Revenue NY rev (3m)4.01%
Valuation
Industry RankSector Rank
PE 365.67
Fwd PE 34.69
P/S 2.3
P/FCF 28.99
P/OCF 24.89
P/B 1.62
P/tB 5.86
EV/EBITDA 22.7
EPS(TTM)0.03
EY0.27%
EPS(NY)0.32
Fwd EY2.88%
FCF(TTM)0.38
FCFY3.45%
OCF(TTM)0.44
OCFY4.02%
SpS4.77
BVpS6.79
TBVpS1.87
PEG (NY)0.78
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 2.4
F-Score4
WACC8.68%
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 Y470.28%
EPS Next 2Y297.62%
EPS Next 3Y199.48%
EPS Next 5Y209.54%
Revenue 1Y (TTM)22.71%
Revenue growth 3Y34.76%
Revenue growth 5Y38.98%
Sales Q2Q%27.63%
Revenue Next Year25.84%
Revenue Next 2Y20.22%
Revenue Next 3Y18.8%
Revenue Next 5Y17.39%
EBIT growth 1Y265.42%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year63459%
EBIT Next 3Y911.32%
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 3 / 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 365.67 and the Price/Book (PB) ratio is 1.62.