📊 FLYW Key Takeaways
Is Flywire Corp (FLYW) a Good Investment?
Flywire demonstrates strong top-line growth (26.6% YoY) and dramatic earnings improvement (365% YoY net income growth), supported by an exceptionally strong balance sheet with minimal debt leverage. However, persistent negative operating cash flow (-$15.8M) despite accounting profitability raises critical sustainability questions, particularly given very low capital returns (ROE 1.5%, ROA 1.1%) that suggest operational inefficiency.
Flywire shows strong fundamental momentum through 26.6% revenue growth, positive earnings, and robust free cash flow generation, indicating that growth is translating into real cash rather than purely accounting profits. The balance sheet is conservative with high cash, minimal long-term debt, and solid liquidity, although very thin operating and net margins mean execution still needs to improve for the story to strengthen materially.
Why Buy Flywire Corp Stock? FLYW Key Strengths
- Strong revenue growth of 26.6% YoY indicating market demand
- Significant improvement in profitability with net income up 365% YoY
- Fortress balance sheet with minimal leverage (0.02x D/E ratio) and strong liquidity (1.75x current ratio)
- Excellent debt service capacity with 35.9x interest coverage
- Strong top-line growth of 26.6% year over year
- Healthy free cash flow of $98.83M with a 15.9% FCF margin
- Very strong financial position with $330.30M cash and only $15.00M long-term debt
FLYW Stock Risks: Flywire Corp Investment Risks
- Negative operating cash flow of -$15.8M despite positive net income signals potential working capital issues or earnings quality concerns
- Extremely low returns on equity (1.5%) and assets (1.1%) indicate inefficient capital deployment despite large asset base
- Thin net margin of 6.7% with operating margin of 5.7% shows limited pricing power and high cost structure for a services business
- Free cash flow of -$16.0M is unsustainable long-term and cannot be offset indefinitely despite strong balance sheet
- Profitability remains thin with only 1.8% operating margin and 2.2% net margin
- Net income was essentially flat year over year despite strong revenue growth
- Interest coverage of 3.2x suggests limited cushion if operating performance weakens
Key Metrics to Watch
- Operating cash flow trajectory - critical to confirm it returns positive and sustainably supports growth
- Working capital metrics and days sales outstanding - to diagnose source of cash flow divergence from profitability
- Return on invested capital and operating leverage - to assess whether 26.6% revenue growth is translating to efficient scaling
- Operating margin expansion
- Net income growth relative to revenue growth
Flywire Corp (FLYW) Financial Metrics & Key Ratios
💡 AI Analyst Insight
Flywire Corp presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
FLYW Profit Margin, ROE & Profitability Analysis
FLYW vs Services Sector: How Flywire Corp Compares
How Flywire Corp compares to Services sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is Flywire Corp Stock Overvalued? FLYW Valuation Analysis 2026
Based on fundamental analysis, Flywire Corp has mixed fundamental signals relative to the Services sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
Flywire Corp Balance Sheet: FLYW Debt, Cash & Liquidity
FLYW Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: Flywire Corp's revenue has grown significantly by 210% over the 5-year period, indicating strong business expansion. The most recent EPS of $-0.07 indicates the company is currently unprofitable.
FLYW Revenue Growth, EPS Growth & YoY Performance
FLYW Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $133.5M | -$4.2M | $-0.03 |
| Q3 2025 | $156.8M | $13.5M | $0.11 |
| Q2 2025 | $103.7M | -$12.0M | $-0.10 |
| Q1 2025 | $114.1M | -$4.2M | $-0.03 |
| Q3 2024 | $123.3M | -$9.9M | $0.08 |
| Q2 2024 | $84.9M | -$13.9M | $-0.11 |
| Q1 2024 | $94.4M | -$3.7M | $-0.03 |
| Q3 2023 | $95.2M | -$4.3M | $-0.04 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
Flywire Corp Dividends, Buybacks & Capital Allocation
FLYW SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for Flywire Corp (CIK: 0001580560)
📋 Recent SEC Filings
❓ Frequently Asked Questions about FLYW
What is the AI rating for FLYW?
Flywire Corp (FLYW) has a Combined AI Rating of BUY from Claude (HOLD) and ChatGPT (BUY) with 68% combined confidence, based on fundamental analysis of SEC EDGAR filings.
What are FLYW's key strengths?
Claude: Strong revenue growth of 26.6% YoY indicating market demand. Significant improvement in profitability with net income up 365% YoY. ChatGPT: Strong top-line growth of 26.6% year over year. Healthy free cash flow of $98.83M with a 15.9% FCF margin.
What are the risks of investing in FLYW?
Claude: Negative operating cash flow of -$15.8M despite positive net income signals potential working capital issues or earnings quality concerns. Extremely low returns on equity (1.5%) and assets (1.1%) indicate inefficient capital deployment despite large asset base. ChatGPT: Profitability remains thin with only 1.8% operating margin and 2.2% net margin. Net income was essentially flat year over year despite strong revenue growth.
What is FLYW's revenue and growth?
Flywire Corp reported revenue of $188.1M.
Does FLYW pay dividends?
Flywire Corp does not currently pay dividends.
Where can I find FLYW SEC filings?
Official SEC filings for Flywire Corp (CIK: 0001580560) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is FLYW's EPS?
Flywire Corp has a diluted EPS of $0.10.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is FLYW a good stock to buy right now?
Based on our AI fundamental analysis in May 2026, Flywire Corp has a BUY rating with 68% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is FLYW stock overvalued or undervalued?
Valuation metrics for FLYW: ROE of 1.5% (sector avg: 16%), net margin of 6.7% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
Should I buy FLYW stock in 2026?
Our dual AI analysis gives Flywire Corp a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is FLYW's free cash flow?
Flywire Corp's operating cash flow is $-15.8M, with capital expenditures of $139.0K. FCF margin is -8.5%.
How does FLYW compare to other Services stocks?
Vs Services sector averages: Net margin 6.7% (avg: 10%), ROE 1.5% (avg: 16%), current ratio 1.75 (avg: 1.5).