📊 FLYW Key Takeaways
Is FLYW a Good Investment? Thesis Analysis
Flywire demonstrates strong revenue growth (+26.6% YoY) with exceptional free cash flow generation (15.9% FCF margin) and excellent balance sheet strength (0.02x debt/equity, $330.3M cash). However, profitability margins remain thin (2.2% net margin, 1.8% operating margin) and returns on equity/assets are modest, indicating the company is in a growth phase prioritizing scale over near-term profitability.
Why Buy FLYW? Key Strengths
- Strong revenue growth trajectory at 26.6% YoY
- Excellent free cash flow generation ($98.8M) with 15.9% FCF margin
- Fortress balance sheet with minimal debt ($15M), high cash position ($330.3M), and low debt/equity ratio (0.02x)
- Solid liquidity position with 1.50x current ratio
- Significant insider activity (20 Form 4 filings) suggesting management confidence
FLYW Investment Risks to Consider
- Profitability margins are very thin (2.2% net margin) suggesting limited pricing power or high operating costs
- Very low returns on capital (ROE 1.6%, ROA 1.1%) indicate inefficient asset deployment despite strong cash generation
- Net income growth stalled (0.0% YoY) despite revenue growth, indicating margin compression
- Missing gross margin data limits visibility into core business unit economics
- Operating margin of 1.8% leaves minimal buffer for economic downturns or competitive pressures
Key Metrics to Watch
- Operating margin expansion trajectory - critical to validate profitability improvements
- Revenue growth sustainability - whether 26.6% growth rate can be maintained
- Net income growth and margin - need to see profitability accelerate in tandem with revenue
- Return on equity trend - assess whether management is deploying cash effectively
- Cash conversion cycle - evaluate efficiency of working capital management
FLYW Financial Metrics
💡 AI Analyst Insight
Flywire Corp presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
FLYW Profitability Ratios
FLYW vs Default Sector
How Flywire Corp compares to Default sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is FLYW Overvalued or Undervalued?
Based on fundamental analysis, Flywire Corp has mixed fundamental signals relative to the Default 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.
FLYW Balance Sheet & Liquidity
FLYW 5-Year Financial Trend & Growth Analysis
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 Growth Metrics (YoY)
FLYW Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| 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 |
| Q2 2023 | $56.5M | -$16.8M | $-0.15 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
FLYW Capital Allocation
FLYW SEC 10-K & 10-Q Filing 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 an AI rating of BUY with 72% confidence, based on fundamental analysis of SEC EDGAR filings.
What are FLYW's key strengths?
Claude: Strong revenue growth trajectory at 26.6% YoY. Excellent free cash flow generation ($98.8M) with 15.9% FCF margin.
What are the risks of investing in FLYW?
Claude: Profitability margins are very thin (2.2% net margin) suggesting limited pricing power or high operating costs. Very low returns on capital (ROE 1.6%, ROA 1.1%) indicate inefficient asset deployment despite strong cash generation.
What is FLYW's revenue and growth?
Flywire Corp reported revenue of $623.0M.
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 $0.11.
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 March 2026, Flywire Corp has a BUY rating with 72% 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 1.6% (sector avg: 15%), net margin of 2.2% (sector avg: 12%). 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 $100.2M, with capital expenditures of $1.4M. FCF margin is 15.9%.
How does FLYW compare to other Default stocks?
Vs Default sector averages: Net margin 2.2% (avg: 12%), ROE 1.6% (avg: 15%), current ratio 1.50 (avg: 1.8).