FLYWIRE CORP-VOTING (FLYW) Fundamental Analysis & Valuation

NASDAQ:FLYW • US3024921039

Current stock price

13.61 USD
+0.18 (+1.34%)
At close:
13.61 USD
0 (0%)
After Hours:

This FLYW fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. FLYW Profitability Analysis

1.1 Basic Checks

  • FLYW had positive earnings in the past year.
  • In the past year FLYW had a positive cash flow from operations.
  • In multiple years FLYW reported negative net income over the last 5 years.
  • Each year in the past 5 years FLYW 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 2025 0 20M -20M 40M 60M 80M 100M

1.2 Ratios

  • FLYW has a Return On Assets (1.08%) which is in line with its industry peers.
  • Looking at the Return On Equity, with a value of 1.62%, FLYW is doing worse than 68.69% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 1.67%, FLYW is in line with its industry, outperforming 47.47% of the companies in the same industry.
Industry RankSector Rank
ROA 1.08%
ROE 1.62%
ROIC 1.67%
ROA(3y)0.18%
ROA(5y)-1.94%
ROE(3y)0.29%
ROE(5y)-2.62%
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 2025 0 -10 -20 -30 -40 -50

1.3 Margins

  • Looking at the Profit Margin, with a value of 2.17%, FLYW is doing worse than 66.67% of the companies in the same industry.
  • FLYW's Operating Margin of 3.63% is on the low side compared to the rest of the industry. FLYW is outperformed by 65.66% of its industry peers.
  • FLYW's Gross Margin of 61.42% is fine compared to the rest of the industry. FLYW outperforms 74.75% of its industry peers.
  • FLYW's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 3.63%
PM (TTM) 2.17%
GM 61.42%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.68%
GM growth 5Y-0.74%
FLYW Yearly Profit, Operating, Gross MarginsFLYW Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 60

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7

2. FLYW Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so FLYW is destroying value.
  • FLYW has less 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 2025 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 2025 200M 400M 600M 800M 1B

2.2 Solvency

  • An Altman-Z score of 2.91 indicates that FLYW is not a great score, but indicates only limited risk for bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 2.91, FLYW belongs to the top of the industry, outperforming 83.84% of the companies in the same industry.
  • 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 2.91
ROIC/WACC0.19
WACC8.9%
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 2025 0 200M 400M 600M 800M

2.3 Liquidity

  • FLYW has a Current Ratio of 1.50. 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 Current ratio of 1.50 is fine compared to the rest of the industry. FLYW outperforms 68.69% of its industry peers.
  • FLYW has a Quick Ratio of 1.50. 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 1.50, FLYW is in the better half of the industry, outperforming 71.72% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.5
Quick Ratio 1.5
FLYW Yearly Current Assets VS Current LiabilitesFLYW Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. FLYW Growth Analysis

3.1 Past

  • FLYW shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 650.00%, which is quite impressive.
  • Looking at the last year, FLYW shows a very strong growth in Revenue. The Revenue has grown by 26.59%.
  • The Revenue has been growing by 36.43% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)650%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
Revenue 1Y (TTM)26.59%
Revenue growth 3Y29.12%
Revenue growth 5Y36.43%
Sales Q2Q%39.67%

3.2 Future

  • Based on estimates for the next years, FLYW will show a very strong growth in Earnings Per Share. The EPS will grow by 78.76% on average per year.
  • The Revenue is expected to grow by 17.61% on average over the next years. This is quite good.
EPS Next Y149.74%
EPS Next 2Y97.82%
EPS Next 3Y78.76%
EPS Next 5YN/A
Revenue Next Year20.57%
Revenue Next 2Y17.88%
Revenue Next 3Y17.61%
Revenue Next 5YN/A

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 1B
FLYW Yearly EPS VS EstimatesFLYW Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 0.2 -0.2 0.4 -0.4 0.6 0.8

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4

4. FLYW Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 90.73, the valuation of FLYW can be described as expensive.
  • Based on the Price/Earnings ratio, FLYW is valued a bit more expensive than the industry average as 76.77% of the companies are valued more cheaply.
  • When comparing the Price/Earnings ratio of FLYW to the average of the S&P500 Index (27.87), we can say FLYW is valued expensively.
  • The Price/Forward Earnings ratio is 36.33, which means the current valuation is very expensive for FLYW.
  • FLYW's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. FLYW is more expensive than 68.69% of the companies in the same industry.
  • FLYW is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 38.51, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 90.73
Fwd PE 36.33
FLYW Price Earnings VS Forward Price EarningsFLYW Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 20 40 60 80

4.2 Price Multiples

  • The rest of the industry has a similar Enterprise Value to EBITDA ratio as FLYW.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of FLYW indicates a somewhat cheap valuation: FLYW is cheaper than 60.61% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 18.26
EV/EBITDA 25.66
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.
  • A more expensive valuation may be justified as FLYW's earnings are expected to grow with 78.76% in the coming years.
PEG (NY)0.61
PEG (5Y)N/A
EPS Next 2Y97.82%
EPS Next 3Y78.76%

More info and screens

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

0

5. FLYW Dividend Analysis

5.1 Amount

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

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FLYW Fundamentals: All Metrics, Ratios and Statistics

FLYWIRE CORP-VOTING

NASDAQ:FLYW (4/17/2026, 8:13:17 PM)

After market: 13.61 0 (0%)

13.61

+0.18 (+1.34%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-24
Earnings (Next)05-04
Inst Owners95.42%
Inst Owner Change0.01%
Ins Owners5.87%
Ins Owner Change15.71%
Market Cap1.65B
Revenue(TTM)623.02M
Net Income(TTM)13.50M
Analysts77.27
Price Target16.44 (20.79%)
Short Float %4.49%
Short Ratio2.77
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)2
Avg EPS beat(2)60.62%
Min EPS beat(2)21.23%
Max EPS beat(2)100%
EPS beat(4)3
Avg EPS beat(4)20.82%
Min EPS beat(4)-42.09%
Max EPS beat(4)100%
EPS beat(8)4
Avg EPS beat(8)-285.63%
EPS beat(12)6
Avg EPS beat(12)-178.39%
EPS beat(16)7
Avg EPS beat(16)-153.82%
Revenue beat(2)2
Avg Revenue beat(2)6.62%
Min Revenue beat(2)5.49%
Max Revenue beat(2)7.75%
Revenue beat(4)4
Avg Revenue beat(4)6.26%
Min Revenue beat(4)5.49%
Max Revenue beat(4)7.75%
Revenue beat(8)6
Avg Revenue beat(8)2.75%
Revenue beat(12)9
Avg Revenue beat(12)4.26%
Revenue beat(16)13
Avg Revenue beat(16)5.05%
PT rev (1m)-6.47%
PT rev (3m)-1.84%
EPS NQ rev (1m)33.66%
EPS NQ rev (3m)54.96%
EPS NY rev (1m)24.5%
EPS NY rev (3m)17.1%
Revenue NQ rev (1m)2.18%
Revenue NQ rev (3m)8.91%
Revenue NY rev (1m)1.57%
Revenue NY rev (3m)5.26%
Valuation
Industry RankSector Rank
PE 90.73
Fwd PE 36.33
P/S 2.65
P/FCF 18.26
P/OCF 16.47
P/B 1.98
P/tB 6.88
EV/EBITDA 25.66
EPS(TTM)0.15
EY1.1%
EPS(NY)0.37
Fwd EY2.75%
FCF(TTM)0.75
FCFY5.48%
OCF(TTM)0.83
OCFY6.07%
SpS5.14
BVpS6.89
TBVpS1.98
PEG (NY)0.61
PEG (5Y)N/A
Graham Number4.82251 (-64.57%)
Profitability
Industry RankSector Rank
ROA 1.08%
ROE 1.62%
ROCE 2.65%
ROIC 1.67%
ROICexc 2.86%
ROICexgc N/A
OM 3.63%
PM (TTM) 2.17%
GM 61.42%
FCFM 14.5%
ROA(3y)0.18%
ROA(5y)-1.94%
ROE(3y)0.29%
ROE(5y)-2.62%
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-0.68%
GM growth 5Y-0.74%
F-Score7
Asset Turnover0.5
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0
Debt/EBITDA 0
Cap/Depr 37.82%
Cap/Sales 1.58%
Interest Coverage 8.74
Cash Conversion 205.94%
Profit Quality 669.18%
Current Ratio 1.5
Quick Ratio 1.5
Altman-Z 2.91
F-Score7
WACC8.9%
ROIC/WACC0.19
Cap/Depr(3y)37.3%
Cap/Depr(5y)48.72%
Cap/Sales(3y)1.45%
Cap/Sales(5y)2.02%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)650%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%100%
EPS Next Y149.74%
EPS Next 2Y97.82%
EPS Next 3Y78.76%
EPS Next 5YN/A
Revenue 1Y (TTM)26.59%
Revenue growth 3Y29.12%
Revenue growth 5Y36.43%
Sales Q2Q%39.67%
Revenue Next Year20.57%
Revenue Next 2Y17.88%
Revenue Next 3Y17.61%
Revenue Next 5YN/A
EBIT growth 1Y439.37%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year1148.9%
EBIT Next 3Y170.89%
EBIT Next 5YN/A
FCF growth 1Y-2.28%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y1.53%
OCF growth 3Y164.23%
OCF growth 5YN/A

FLYWIRE CORP-VOTING / FLYW Fundamental Analysis FAQ

What is the ChartMill fundamental rating of FLYWIRE CORP-VOTING (FLYW) stock?

ChartMill assigns a fundamental rating of 5 / 10 to FLYW.


What is the valuation status for FLYW stock?

ChartMill assigns a valuation rating of 4 / 10 to FLYWIRE CORP-VOTING (FLYW). This can be considered as Fairly Valued.


How profitable is FLYWIRE CORP-VOTING (FLYW) stock?

FLYWIRE CORP-VOTING (FLYW) has a profitability rating of 3 / 10.


How financially healthy is FLYWIRE CORP-VOTING?

The financial health rating of FLYWIRE CORP-VOTING (FLYW) is 7 / 10.