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Flywire Corp

FLYW

$17.77 ▼ -0.44 (-2.42%) at close

8 Visible periods

31 Metrics

Peer-ranked Benchmarks

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Fair

Neutral

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Analytical Summary

Flywire Corp shows mixed fundamentals. Consider comparing against peers in the Industrials sector before making investment decisions.

Market Cap $2.2B

Dividend Yield —

Revenue Growth 26.6% ↗

Op. Margin 1.8% ↗

ROIC 0.9% ↗

FCF / Share $0.81 ↗

Trailing P/E 161.6x

Price / Book 2.6x

FCF Yield 4.5%

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

8-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$623.02M

↑ +26.6% —

Net Income Profit after all expenses

$13.50M

↑ +365.4% —

Operating Margin Operating profit as % of sales

1.8%

↑ +223.0% 33th

FCF / Share Free cash flow per share

$0.81

↑ +2.7% —

Long-Term Debt Long-term obligations

$0.00

↓ -100.0% —

Health Breakdown

Profitability ↑

Returns

Financial Health

Cash Quality

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	26.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+432%)	22.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+342%)	39.3% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+686%)	43.9% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+777%)	52.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+953%)	38.8% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+677%)	—	—
EPS Growth YoY (%)	450.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	80.6% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	7.7% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	35.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	52.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	365.4% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	78.2% Excellent ↑ Excellent Improving Year-over-year change in net income	-40.1% Weak ↑ Weak Improving Year-over-year change in net income	-152.9% Weak Weak Year-over-year change in net income	44.8% Excellent Excellent Year-over-year change in net income	—	—
FCF Growth YoY (%)	2.7% Caution Caution Year-over-year change in free cash flow	13.4% Fair Fair Year-over-year change in free cash flow	N/M	N/M	—	—	—	—
Revenue CAGR 3Y (%)	29.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	34.7% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	45.2% Excellent Excellent Compound annual revenue growth over 3 years	45.0% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	36.4% Excellent Excellent Compound annual revenue growth over 5 years	39.0% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	1.8% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-85%)	-1.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-112%)	-5.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-144%)	-10.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-187%)	-6.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-155%)	-12.0% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-200%)	-18.4% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-253%)	—
Effective Tax Rate (%) (%)	37.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-55.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-96.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-5.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-8.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	39.2% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.8% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	2.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-73%)	0.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	-2.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-127%)	-13.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-270%)	-14.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-275%)	-8.4% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-205%)	-21.2% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-365%)	—
FCF Margin (%) (%)	15.9% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	19.9% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	19.8% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	-0.6% Weak ↑ Weak Improving Free cash flow as a percentage of revenue Optimal: > 10%	5.2% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	-12.4% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	0.3% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	7.32x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	33.71x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-9.29x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	0.04x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.37x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.47x Good Good Free cash flow relative to reported net income Optimal: > 1x	-0.02x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%)	0.9% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-1.4% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-5.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-6.6% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-2.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	16.7% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	23.8% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-4.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-2.1% Weak Weak Operating profit relative to total assets Optimal: > 10%	-5.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	1.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-89%)	0.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-98%)	-1.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-107%)	-8.2% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-154%)	-5.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-139%)	13.6% Fair Fair Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-9%)	26.7% Excellent Excellent Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+78%)	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Debt to Equity (x)	—	—	—	0.00x Excellent ↑ Excellent Improving Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.05x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	-0.30x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-143%)	—	—
Interest Coverage (x)	3.23x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	-14.51x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-57.84x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-24.95x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-6.56x Weak → Weak Stable Operating income divided by interest expense Optimal: > 5x	-6.24x Weak Weak Operating income divided by interest expense Optimal: > 5x	-7.10x Weak Weak Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$-330.30M	$-495.24M	$-654.61M	$-349.18M	$-359.42M	$-79.70M	—	—
Debt / EBITDA (x)	—	—	—	0.00x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-6.09x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-2.70x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$5.09	$3.96	$3.51	$2.68	$2.83	—	—	—
Basic EPS, GAAP (USD)	$0.11	$0.02	$-0.07	$-0.36	$-0.39	$-0.60	$-1.25	—
Free Cash Flow per Share (USD)	$0.81	$0.79	$0.69	$-0.02	$0.15	—	—	—
Book Value per Share (USD)	$6.95	$6.67	$6.51	$4.48	$4.80	$-4.10	—	—
Tangible Book Value per Share (USD)	$2.00	$4.47	$4.61	$2.67	$3.01	$-9.77	—	—
Basic Weighted Avg Shares (shares)	122.38M	124.27M	114.83M	107.94M	71.17M	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Working Capital (USD)	$200.53M	$473.11M	$541.89M	$273.37M	$326.31M	$60.18M	—	—
LT Debt (USD)	—	—	—	$0.00	$25.94M	$24.35M	—	—
Total Equity (USD)	$835.17M	$814.77M	$786.12M	$481.90M	$482.20M	$-81.76M	$-75.28M	$-58.34M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$623.02M	$492.14M	$403.09M	$289.38M	$201.15M	$131.78M	$94.92M	—
Depreciation Expense (USD)	$26.06M	$17.36M	$15.76M	$12.30M	$9.00M	$6.79M	$3.73M	—
Net Income, GAAP (USD)	$13.50M	$2.90M	$-8.57M	$-39.35M	$-28.09M	$-11.11M	$-20.12M	—
Operating Cash Flow (USD)	$100.17M	$98.67M	$80.62M	$5.43M	$17.13M	$-14.22M	$4.07M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 8 years · 27 quarters

Flywire Corp

Analytical Summary

8-Year Financial Trajectory

Health Breakdown

Statement lens

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