Overview Dividends

(FLYW) Flywire - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US3024921039

Tuition, Healthcare, Travel, Business, Payments

FLYW EPS (Earnings per Share)

EPS Growth (3Y CAGR): 2.43%
EPS Trend (3Y Correlation): 4.5%

FLYW Revenue

Revenue Growth (3Y CAGR): 12.57%
Revenue Trend (3Y Correlation): 77.9%

Description: FLYW Flywire August 13, 2025

Flywire Corp (NASDAQ:FLYW) is a US-based company operating in the Transaction & Payment Processing Services sub-industry. The companys business model is centered around facilitating cross-border payments, primarily for education, healthcare, and travel industries.

To evaluate Flywires performance, key drivers to consider include revenue growth, customer acquisition costs, and retention rates. The companys ability to expand its customer base and increase average revenue per user (ARPU) will be crucial in driving future growth. Additionally, Flywires competitive positioning within the payment processing industry, as well as its ability to adapt to changing regulatory requirements, will be essential in maintaining its market share.

From a financial perspective, Flywires market capitalization stands at approximately $1.5 billion, with a forward price-to-earnings ratio of 17.86, indicating expectations of future earnings growth. The companys high historical beta of 1.277 suggests that its stock price has been volatile relative to the broader market, potentially indicating a higher-risk investment.

To further assess Flywires prospects, key performance indicators (KPIs) such as revenue growth rate, gross margin, and operating expenses as a percentage of revenue should be closely monitored. Economic drivers, including the overall growth of cross-border payments, the increasing demand for digital payment solutions, and the competitive landscape of the payment processing industry, will also play a significant role in shaping Flywires future performance.

FLYW Stock Overview

Market Cap in USD	1,561m
Sub-Industry	Transaction & Payment Processing Services
IPO / Inception	2021-05-26

FLYW Stock Ratings

Growth Rating	-56.9%
Fundamental	58.7%
Dividend Rating	-
Return 12m vs S&P 500	-33.5%
Analyst Rating	3.56 of 5

FLYW Dividends

Currently no dividends paid

FLYW Growth Ratios

Growth Correlation 3m	65.6%
Growth Correlation 12m	-41.6%
Growth Correlation 5y	-79.5%
CAGR 5y	-14.58%
CAGR/Max DD 3y (Calmar Ratio)	-0.19
CAGR/Mean DD 3y (Pain Ratio)	-0.40
Sharpe Ratio 12m	-0.07
Alpha	-41.63
Beta	1.296
Volatility	47.97%
Current Volume	2051.1k
Average Volume 20d	1370k
Stop Loss	13.2 (-4.1%)
Signal	0.77

Piotroski VR‑10 (Strict, 0-10) 6.5

Net Income (6.83m TTM) > 0 and > 6% of Revenue (6% = 32.4m TTM)

FCFTA 0.08 (>2.0%) and ΔFCFTA 3.96pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 38.63% (prev 120.8%; Δ -82.16pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.09 (>3.0%) and CFO 94.9m > Net Income 6.83m (YES >=105%, WARN >=100%)

Net Debt (-188.3m) to EBITDA (29.3m) ratio: -6.42 <= 3.0 (WARN <= 3.5)

Current Ratio 1.87 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (122.5m) change vs 12m ago -1.64% (target <= -2.0% for YES)

Gross Margin 55.89% (prev 61.46%; Δ -5.57pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 51.08% (prev 44.22%; Δ 6.86pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 3.73 (EBITDA TTM 29.3m / Interest Expense TTM 2.05m) >= 6 (WARN >= 3)

Altman Z'' 0.14

(A) 0.19 = (Total Current Assets 448.8m - Total Current Liabilities 240.2m) / Total Assets 1.11b

(B) -0.17 = Retained Earnings (Balance) -187.0m / Total Assets 1.11b

(D) -0.56 = Book Value of Equity -179.9m / Total Liabilities 321.9m

Total Rating: 0.14 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 58.73

1. Piotroski 6.50pt = 1.50

2. FCF Yield 6.65% = 3.33

3. FCF Margin 16.61% = 4.15

4. Debt/Equity 0.08 = 2.50

5. Debt/Ebitda -6.42 = 2.50

6. ROIC - WACC (= -9.11)% = -11.38

7. RoE 0.84% = 0.07

8. Rev. Trend 77.92% = 5.84

9. EPS Trend 4.45% = 0.22

What is the price of FLYW shares?

As of October 26, 2025, the stock is trading at USD 13.77 with a total of 2,051,118 shares traded.
Over the past week, the price has changed by +6.33%, over one month by +4.48%, over three months by +16.60% and over the past year by -21.31%.

Is Flywire a good stock to buy?

Neither. Based on ValueRay´s Fundamental Analyses, Flywire is currently (October 2025) neither a good nor a bad stock to buy. It has a ValueRay Fundamental Rating of 58.73 and therefor a neutral outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of FLYW is around 11.92 USD . This means that FLYW is currently overvalued and has a potential downside of -13.44%.

Is FLYW a buy, sell or hold?

Flywire has received a consensus analysts rating of 3.56. Therefor, it is recommend to hold FLYW.

Strong Buy: 4
Buy: 2
Hold: 9
Sell: 1
Strong Sell: 0

What are the forecasts/targets for the FLYW price?

Issuer	Target	Up/Down from current
Wallstreet Target Price	14.5	4.9%
Analysts Target Price	14.5	4.9%
ValueRay Target Price	13.5	-1.8%

FLYW Fundamental Data Overview October 18, 2025

Market Cap USD = 1.56b (1.56b USD * 1.0 USD.USD)
P/E Trailing = 255.2
P/E Forward = 18.622
P/S = 2.8917
P/B = 2.0976
Beta = 1.296
Revenue TTM = 539.7m USD
EBIT TTM = 7.65m USD
EBITDA TTM = 29.3m USD
Long Term Debt = 60.0m USD (from longTermDebt, last quarter)
Short Term Debt = 2.84m USD (from shortTermDebt, last quarter)
Debt = 61.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -188.3m USD (from netDebt column, last quarter)
Enterprise Value = 1.35b USD (1.56b + Debt 61.4m - CCE 274.2m)
Interest Coverage Ratio = 3.73 (Ebit TTM 7.65m / Interest Expense TTM 2.05m)
FCF Yield = 6.65% (FCF TTM 89.7m / Enterprise Value 1.35b)
FCF Margin = 16.61% (FCF TTM 89.7m / Revenue TTM 539.7m)
Net Margin = 1.27% (Net Income TTM 6.83m / Revenue TTM 539.7m)
Gross Margin = 55.89% ((Revenue TTM 539.7m - Cost of Revenue TTM 238.1m) / Revenue TTM)
Gross Margin QoQ = 53.64% (prev 39.33%)
Tobins Q-Ratio = 1.21 (Enterprise Value 1.35b / Total Assets 1.11b)
Interest Expense / Debt = 1.73% (Interest Expense 1.06m / Debt 61.4m)
Taxrate = -138.9% (out of range, set to none) (6.98m / -5.03m)
NOPAT = unknown (EBIT/Op.Income or Taxrate missing)
Current Ratio = 1.87 (Total Current Assets 448.8m / Total Current Liabilities 240.2m)
Debt / Equity = 0.08 (Debt 61.4m / totalStockholderEquity, last quarter 792.4m)
Debt / EBITDA = -6.42 (Net Debt -188.3m / EBITDA 29.3m)
Debt / FCF = -2.10 (Net Debt -188.3m / FCF TTM 89.7m)
Total Stockholder Equity = 808.7m (last 4 quarters mean from totalStockholderEquity)
RoA = 0.61% (Net Income 6.83m / Total Assets 1.11b)
RoE = 0.84% (Net Income TTM 6.83m / Total Stockholder Equity 808.7m)
RoCE = 0.88% (EBIT 7.65m / Capital Employed (Equity 808.7m + L.T.Debt 60.0m))
RoIC = 1.27% (EBIT 7.65m / (Assets 1.11b - Curr.Liab 240.2m - Cash 274.2m))
WACC = 10.38% (E(1.56b)/V(1.62b) * Re(10.79%) + (debt cost/tax rate unavailable))
Discount Rate = 10.79% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -100.0 | Cagr: -2.50%
[DCF Debug] Terminal Value 59.17% ; FCFE base≈70.1m ; Y1≈46.0m ; Y5≈21.1m
Fair Price DCF = 2.34 (DCF Value 281.9m / Shares Outstanding 120.4m; 5y FCF grow -40.0% → 3.0% )
EPS Correlation: 4.45 | EPS CAGR: 2.43% | SUE: -2.13 | # QB: 0
Revenue Correlation: 77.92 | Revenue CAGR: 12.57% | SUE: 1.62 | # QB: 4

Additional Sources for FLYW Stock

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