(FLYW) Flywire - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US3024921039
Stock: Payments Platform, Software, Education, Healthcare, Travel
Total Rating 32
Risk 54
Buy Signal -0.14
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 49.8% |
| Relative Tail Risk | -10.8% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.79 |
| Alpha | -58.03 |
| Character TTM | |
|---|---|
| Beta | 0.951 |
| Beta Downside | 1.042 |
| Drawdowns 3y | |
|---|---|
| Max DD | 75.98% |
| CAGR/Max DD | -0.33 |
Description: FLYW Flywire January 16, 2026
Flywire Corp (NASDAQ:FLYW) is a Boston-based payments enablement and software firm that operates a multi-currency platform connecting payers and payees across education, healthcare, travel, and B2B markets. The network supports a broad array of payment methods-including Alipay, Boleto, PayPal/Venmo, and Trustly-and offers vertical-specific applications that streamline invoicing, reconciliation, and compliance for its enterprise clients.
Key recent metrics (FY 2023) show revenue of $460 million, up ~22 % year-over-year, with a gross margin of roughly 70 % and a net loss of $45 million driven by accelerated investment in product development and international expansion. The cross-border payments market is projected to grow at a 9-10 % CAGR through 2028, propelled by rising tuition-related transfers, increased medical tourism, and the broader shift toward digital settlement of large-ticket transactions-trends that directly expand Flywire’s addressable universe.
For a deeper quantitative breakdown, you may find ValueRay’s analyst toolkit useful.
Piotroski VR‑10 (Strict, 0-10) 5.5
| Net Income: -2.44m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.04 > 0.02 and ΔFCF/TA -11.16 > 1.0 |
| NWC/Revenue: 36.05% < 20% (prev 105.3%; Δ -69.22% < -1%) |
| CFO/TA 0.04 > 3% & CFO 53.8m > Net Income -2.44m |
| Net Debt (-339.9m) to EBITDA (33.0m): -10.29 < 3 |
| Current Ratio: 1.53 > 1.5 & < 3 |
| Outstanding Shares: last quarter (127.7m) vs 12m ago -1.15% < -2% |
| Gross Margin: 57.37% > 18% (prev 0.57%; Δ 5679 % > 0.5%) |
| Asset Turnover: 46.64% > 50% (prev 38.32%; Δ 8.33% > 0%) |
| Interest Coverage Ratio: 2.99 > 6 (EBITDA TTM 33.0m / Interest Expense TTM 3.12m) |
Altman Z'' 0.37
| A: 0.17 (Total Current Assets 606.1m - Total Current Liabilities 395.9m) / Total Assets 1.26b |
| B: -0.12 (Retained Earnings -157.4m / Total Assets 1.26b) |
| C: 0.01 (EBIT TTM 9.35m / Avg Total Assets 1.25b) |
| D: -0.35 (Book Value of Equity -152.2m / Total Liabilities 430.7m) |
| Altman-Z'' Score: 0.37 = B |
Beneish M -2.52
| DSRI: 0.90 (Receivables 187.6m/169.6m, Revenue 583.0m/475.1m) |
| GMI: 1.00 (GM 57.37% / 57.40%) |
| AQI: 1.80 (AQ_t 0.50 / AQ_t-1 0.28) |
| SGI: 1.23 (Revenue 583.0m / 475.1m) |
| TATA: -0.04 (NI -2.44m - CFO 53.8m) / TA 1.26b) |
| Beneish M-Score: -2.52 (Cap -4..+1) = A |
What is the price of FLYW shares?
As of February 08, 2026, the stock is trading at USD 11.25 with a total of 2,343,846 shares traded.
Over the past week, the price has changed by -10.71%, over one month by -23.47%, over three months by -16.91% and over the past year by -44.31%.
Over the past week, the price has changed by -10.71%, over one month by -23.47%, over three months by -16.91% and over the past year by -44.31%.
Is FLYW a buy, sell or hold?
Flywire has received a consensus analysts rating of 3.56.
Therefor, it is recommend to hold FLYW.
- StrongBuy: 4
- Buy: 2
- Hold: 9
- Sell: 1
- StrongSell: 0
What are the forecasts/targets for the FLYW price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 17.2 | 52.8% |
| Analysts Target Price | 17.2 | 52.8% |
| ValueRay Target Price | 8.9 | -20.5% |
FLYW Fundamental Data Overview February 03, 2026
P/E Forward = 17.2117
P/S = 2.6433
P/B = 1.9016
Revenue TTM = 583.0m USD
EBIT TTM = 9.35m USD
EBITDA TTM = 33.0m USD
Long Term Debt = 15.0m USD (from longTermDebt, last quarter)
Short Term Debt = 1.72m USD (from shortTermDebt, last fiscal year)
Debt = 15.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -339.9m USD (from netDebt column, last quarter)
Enterprise Value = 1.18b USD (1.54b + Debt 15.0m - CCE 377.3m)
Interest Coverage Ratio = 2.99 (Ebit TTM 9.35m / Interest Expense TTM 3.12m)
EV/FCF = 24.23x (Enterprise Value 1.18b / FCF TTM 48.6m)
FCF Yield = 4.13% (FCF TTM 48.6m / Enterprise Value 1.18b)
FCF Margin = 8.34% (FCF TTM 48.6m / Revenue TTM 583.0m)
Net Margin = -0.42% (Net Income TTM -2.44m / Revenue TTM 583.0m)
Gross Margin = 57.37% ((Revenue TTM 583.0m - Cost of Revenue TTM 248.6m) / Revenue TTM)
Gross Margin QoQ = 63.87% (prev 59.14%)
Tobins Q-Ratio = 0.94 (Enterprise Value 1.18b / Total Assets 1.26b)
Interest Expense / Debt = 7.98% (Interest Expense 1.20m / Debt 15.0m)
Taxrate = 5.03% (1.57m / 31.2m)
NOPAT = 8.88m (EBIT 9.35m * (1 - 5.03%))
Current Ratio = 1.53 (Total Current Assets 606.1m / Total Current Liabilities 395.9m)
Debt / Equity = 0.02 (Debt 15.0m / totalStockholderEquity, last quarter 829.1m)
Debt / EBITDA = -10.29 (Net Debt -339.9m / EBITDA 33.0m)
Debt / FCF = -6.99 (Net Debt -339.9m / FCF TTM 48.6m)
Total Stockholder Equity = 805.1m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.19% (Net Income -2.44m / Total Assets 1.26b)
RoE = -0.30% (Net Income TTM -2.44m / Total Stockholder Equity 805.1m)
RoCE = 1.14% (EBIT 9.35m / Capital Employed (Equity 805.1m + L.T.Debt 15.0m))
RoIC = 1.06% (NOPAT 8.88m / Invested Capital 838.9m)
WACC = 9.40% (E(1.54b)/V(1.56b) * Re(9.42%) + D(15.0m)/V(1.56b) * Rd(7.98%) * (1-Tc(0.05)))
Discount Rate = 9.42% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.47%
[DCF Debug] Terminal Value 64.15% ; FCFF base≈103.7m ; Y1≈68.1m ; Y5≈31.1m
Fair Price DCF = 6.89 (EV 488.9m - Net Debt -339.9m = Equity 828.9m / Shares 120.3m; r=9.40% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 41.42 | EPS CAGR: 16.54% | SUE: 0.12 | # QB: 0
Revenue Correlation: 90.48 | Revenue CAGR: 43.70% | SUE: 2.87 | # QB: 5
EPS next Quarter (2026-03-31): EPS=0.16 | Chg30d=-0.008 | Revisions Net=+0 | Analysts=7
EPS next Year (2026-12-31): EPS=0.87 | Chg30d=-0.028 | Revisions Net=+0 | Growth EPS=+18.0% | Growth Revenue=+15.7%
P/S = 2.6433
P/B = 1.9016
Revenue TTM = 583.0m USD
EBIT TTM = 9.35m USD
EBITDA TTM = 33.0m USD
Long Term Debt = 15.0m USD (from longTermDebt, last quarter)
Short Term Debt = 1.72m USD (from shortTermDebt, last fiscal year)
Debt = 15.0m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -339.9m USD (from netDebt column, last quarter)
Enterprise Value = 1.18b USD (1.54b + Debt 15.0m - CCE 377.3m)
Interest Coverage Ratio = 2.99 (Ebit TTM 9.35m / Interest Expense TTM 3.12m)
EV/FCF = 24.23x (Enterprise Value 1.18b / FCF TTM 48.6m)
FCF Yield = 4.13% (FCF TTM 48.6m / Enterprise Value 1.18b)
FCF Margin = 8.34% (FCF TTM 48.6m / Revenue TTM 583.0m)
Net Margin = -0.42% (Net Income TTM -2.44m / Revenue TTM 583.0m)
Gross Margin = 57.37% ((Revenue TTM 583.0m - Cost of Revenue TTM 248.6m) / Revenue TTM)
Gross Margin QoQ = 63.87% (prev 59.14%)
Tobins Q-Ratio = 0.94 (Enterprise Value 1.18b / Total Assets 1.26b)
Interest Expense / Debt = 7.98% (Interest Expense 1.20m / Debt 15.0m)
Taxrate = 5.03% (1.57m / 31.2m)
NOPAT = 8.88m (EBIT 9.35m * (1 - 5.03%))
Current Ratio = 1.53 (Total Current Assets 606.1m / Total Current Liabilities 395.9m)
Debt / Equity = 0.02 (Debt 15.0m / totalStockholderEquity, last quarter 829.1m)
Debt / EBITDA = -10.29 (Net Debt -339.9m / EBITDA 33.0m)
Debt / FCF = -6.99 (Net Debt -339.9m / FCF TTM 48.6m)
Total Stockholder Equity = 805.1m (last 4 quarters mean from totalStockholderEquity)
RoA = -0.19% (Net Income -2.44m / Total Assets 1.26b)
RoE = -0.30% (Net Income TTM -2.44m / Total Stockholder Equity 805.1m)
RoCE = 1.14% (EBIT 9.35m / Capital Employed (Equity 805.1m + L.T.Debt 15.0m))
RoIC = 1.06% (NOPAT 8.88m / Invested Capital 838.9m)
WACC = 9.40% (E(1.54b)/V(1.56b) * Re(9.42%) + D(15.0m)/V(1.56b) * Rd(7.98%) * (1-Tc(0.05)))
Discount Rate = 9.42% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: -33.33 | Cagr: -0.47%
[DCF Debug] Terminal Value 64.15% ; FCFF base≈103.7m ; Y1≈68.1m ; Y5≈31.1m
Fair Price DCF = 6.89 (EV 488.9m - Net Debt -339.9m = Equity 828.9m / Shares 120.3m; r=9.40% [WACC]; 5y FCF grow -40.0% → 2.90% )
EPS Correlation: 41.42 | EPS CAGR: 16.54% | SUE: 0.12 | # QB: 0
Revenue Correlation: 90.48 | Revenue CAGR: 43.70% | SUE: 2.87 | # QB: 5
EPS next Quarter (2026-03-31): EPS=0.16 | Chg30d=-0.008 | Revisions Net=+0 | Analysts=7
EPS next Year (2026-12-31): EPS=0.87 | Chg30d=-0.028 | Revisions Net=+0 | Growth EPS=+18.0% | Growth Revenue=+15.7%