FLYW - Flywire Corp

📈 Is growth accelerating? 7 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	41.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+719%)	34.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+580%)	27.6% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+453%)	27.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+444%)	17.0% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+239%)	16.9% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+238%)	27.2% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+443%)	22.2% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+343%)	20.9% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+319%)	37.6% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+653%)	29.5% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+490%)	50.1% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+902%)	46.2% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+823%)	42.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+743%)	40.5% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+710%)	52.9% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+958%)	43.5% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+770%)	54.7% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+993%)	61.1% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1121%)	55.6% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+1013%)	—	—	—	—	—	—	—
EPS Growth YoY (%)	N/M	100.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	-22.6% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	9.1% Fair ↓ Fair Declining Year-over-year change in earnings per share Optimal: > 10%	40.0% Excellent ↓ Excellent Declining Year-over-year change in earnings per share Optimal: > 10%	N/M	244.4% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	26.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	-66.7% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	N/M	31.8% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	100.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	—	—	47.6% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	66.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—	—
Net Income Growth YoY (%)	N/M	N/M	-23.8% Weak ↓ Weak Declining Year-over-year change in net income	13.5% Fair ↓ Fair Declining Year-over-year change in net income	33.1% Excellent ↓ Excellent Declining Year-over-year change in net income	N/M	265.5% Excellent ↑ Excellent Improving Year-over-year change in net income	17.4% Good Good Year-over-year change in net income	-68.8% Weak Weak Year-over-year change in net income	N/M	N/M	29.3% Excellent ↓ Excellent Declining Year-over-year change in net income	63.7% Excellent ↑ Excellent Improving Year-over-year change in net income	90.0% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	-31.1% Weak ↑ Weak Improving Year-over-year change in net income	-17.3% Weak ↑ Weak Improving Year-over-year change in net income	-179.9% Weak ↓ Weak Declining Year-over-year change in net income	91.4% Excellent Excellent Year-over-year change in net income	-13.4% Weak Weak Year-over-year change in net income	—	—	—	—	—	—	—
FCF Growth YoY (%)	79.6% Excellent Excellent Year-over-year change in free cash flow	—	—	—	-106.1% Weak Weak Year-over-year change in free cash flow	—	—	—	-60.3% Weak Weak Year-over-year change in free cash flow	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 3Y (%)	25.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	29.2% Excellent → Excellent Stable Compound annual revenue growth over 3 years	28.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	32.6% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	27.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	31.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	32.3% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	41.0% Excellent → Excellent Stable Compound annual revenue growth over 3 years	36.4% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	44.6% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	43.1% Excellent Excellent Compound annual revenue growth over 3 years	52.9% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	33.1% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	36.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 5 years	36.6% Excellent Excellent Compound annual revenue growth over 5 years	40.9% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	—	—	—	—	—	45.8% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	14.5% Good Good Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	5.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-52%)	-0.6% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-105%)	16.1% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+34%)	-6.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-157%)	-8.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-169%)	-4.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-141%)	12.9% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	-15.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-227%)	-5.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-144%)	-10.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-183%)	9.6% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	-19.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-265%)	-7.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-158%)	-12.8% Weak → Weak Stable Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-207%)	3.8% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	-30.8% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-356%)	-11.0% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-192%)	-20.1% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-267%)	16.4% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+36%)	-20.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-270%)	-14.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-220%)	-9.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-175%)	12.9% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+7%)	-63.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-632%)	—	—	—
Effective Tax Rate (%) (%)	14.8% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	89.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	5.0% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-138.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	17.5% Good ↑ Good Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-6.7% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-27.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-50.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-35.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	60.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-6.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-7.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-12.8% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	43.4% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-42.6% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-4.7% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-5.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-13.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	3.3% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1.5% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.4% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-18.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-7.9% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	-1.7% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	6.7% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-17%)	0.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-100%)	14.8% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+85%)	-9.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-214%)	-3.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-139%)	-13.5% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-269%)	24.8% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+210%)	-13.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-267%)	-5.4% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-168%)	1.3% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-84%)	8.6% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+8%)	-19.8% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-348%)	-3.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-149%)	-1.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-119%)	-4.5% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-156%)	-42.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-626%)	-15.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-297%)	-22.0% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-374%)	14.7% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+84%)	-49.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-713%)	-19.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-340%)	-12.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-252%)	12.4% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+55%)	-67.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-942%)	—	—	—
FCF Margin (%) (%)	-8.5% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	2.9% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	74.9% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	19.3% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	-59.3% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-24.4% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	-33.6% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	55.1% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	-22.6% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	45.0% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	-28.4% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-23.1% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	-36.2% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	39.2% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	29.7% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—	—
FCF / Net Income (x)	-1.28x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	136.24x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	5.06x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	-2.12x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	19.01x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	1.80x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	6.17x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	43.05x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	5.79x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	-29.11x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	1.80x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	1.05x Fair Fair Free cash flow relative to reported net income Optimal: > 1x	—	—	1.88x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-3.23x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	2.39x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%)	1.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	3.6% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-2.5% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-1.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-0.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	3.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-3.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-1.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-0.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	1.6% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-3.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-1.5% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-1.1% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	1.0% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-3.7% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-1.5% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-2.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	2.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-1.5% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	8.6% Fair ↑ Fair Improving Return earned on debt + equity capital invested Optimal: > 10%	4.3% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	-7.4% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	18.1% 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%	-0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-0.8% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.0% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.5% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	1.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.6% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	0.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.9% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	-1.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	—	1.8% Weak Weak Operating profit relative to total assets Optimal: > 10%	-1.3% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—	—
Return on Common Equity (%) (%)	1.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-90%)	0.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-100%)	3.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-76%)	-1.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-110%)	-0.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-104%)	-2.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-113%)	4.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-69%)	-1.7% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-112%)	-0.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-105%)	0.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-99%)	1.4% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-91%)	-3.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-123%)	-0.8% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-105%)	-0.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-102%)	-0.9% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-106%)	-5.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-134%)	-2.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-114%)	-2.3% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-116%)	2.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	-3.8% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-125%)	11.2% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-25%)	4.9% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-67%)	-6.6% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-144%)	18.8% Good Good Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Above avg (+25%)	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Debt to Equity (x)	—	—	0.02x Excellent ↓ Excellent Declining Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-97%)	0.08x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	0.08x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-89%)	—	—	—	—	—	—	—	—	—	0.05x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	0.06x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	0.05x Excellent → Excellent Stable Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	—	0.05x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-92%)	0.05x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-93%)	—	—	—	—	—	—	—
Interest Coverage (x)	35.94x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	-1.38x Weak Weak Operating income divided by interest expense Optimal: > 5x	29.32x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	—	—	-57.75x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	202.70x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	-118.70x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-41.99x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	—	120.06x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	-215.49x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-63.77x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-28.83x Weak → Weak Stable Operating income divided by interest expense Optimal: > 5x	9.13x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	-65.40x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-32.59x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-47.59x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	20.47x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	-12.02x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-10.41x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-4.43x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	9.28x Good Good Operating income divided by interest expense Optimal: > 5x	-22.33x Weak Weak Operating income divided by interest expense Optimal: > 5x	—	—	—
Net Debt (USD)	$-311.89M	$-330.30M	$-339.91M	$-189.69M	$-130.51M	$-495.24M	$-565.03M	$-539.30M	$-619.01M	—	$-638.21M	$-328.06M	$-327.08M	—	$-323.29M	$-334.64M	$-339.81M	—	$-423.20M	$-387.58M	—	—	—	—	—	—	—
Debt / EBITDA (x)	—	—	0.38x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-26.82x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-10.94x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—	—	—	7.10x Weak ↑ Weak Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-1.49x Excellent ↑ Excellent Improving Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-6.05x Excellent ↓ Excellent Declining Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	2.34x Fair Fair Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	-3.23x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$1.54	—	$1.63	$1.08	$1.08	—	$1.26	$0.83	$0.93	—	$1.06	$0.76	$0.86	—	$0.88	$0.53	—	—	$0.65	—	—	—	$2.26	—	—	—	—
Basic EPS, GAAP (USD)	$0.10	$0.00	$0.24	$-0.10	$-0.03	$-0.13	$0.31	$-0.11	$-0.05	$0.02	$0.09	$-0.15	$-0.03	$0.00	$-0.04	$-0.22	—	$-0.11	$0.10	—	—	$-0.21	$0.06	—	—	—	—
Free Cash Flow per Share (USD)	$-0.13	—	$1.22	$0.21	$-0.64	—	—	—	$-0.31	—	—	—	$-0.19	—	—	—	—	—	—	—	—	—	$0.67	—	—	—	—
Book Value per Share (USD)	$7.02	$6.95	$6.90	$6.59	$6.52	$6.67	$6.88	$6.51	$6.52	—	$6.49	$4.47	$4.51	—	$4.55	$4.54	$4.73	—	$4.94	$4.81	—	—	$-4.22	—	—	—	—
Tangible Book Value per Share (USD)	$2.16	$2.00	$1.90	$1.55	$1.49	$4.47	$4.57	$4.71	$4.69	—	$4.94	$2.73	$2.73	—	$2.71	$2.89	$3.00	—	$3.85	$3.70	—	—	$-6.62	—	—	—	—
Basic Weighted Avg Shares (shares)	122.18M	—	122.43M	121.85M	123.24M	—	124.89M	124.56M	123.14M	—	116.49M	111.13M	109.79M	—	107.93M	107.43M	—	—	104.49M	—	—	—	18.64M	—	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Working Capital (USD)	$218.82M	$200.53M	$210.21M	$208.52M	$200.60M	$473.11M	$500.19M	$533.51M	$556.65M	—	$570.32M	$282.21M	$279.64M	—	$300.16M	$309.58M	$322.37M	—	$392.85M	$379.54M	—	—	—	—	—	—	—
LT Debt (USD)	—	—	$15.00M	$60.00M	$60.00M	—	—	—	—	—	—	—	—	—	$25.94M	$25.94M	$25.94M	—	$25.93M	$24.45M	—	—	—	—	—	—	—
Total Equity (USD)	$852.23M	$835.17M	$829.13M	$792.42M	$784.26M	$814.77M	$843.25M	$802.56M	$796.99M	$786.12M	$775.32M	$491.08M	$490.16M	$481.90M	$474.60M	$462.54M	$478.12M	$482.20M	$487.71M	$474.98M	$-77.31M	$-81.76M	$-78.64M	$-85.17M	$-70.34M	$-75.28M	$-58.34M

📋 What is driving earnings? 4 metrics

Metric	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q3 FY2020 Sep 30, 2020 10-Q ↗	Q2 FY2020 Jun 30, 2020 10-Q ↗	Q1 FY2020 Mar 31, 2020 10-Q ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$188.11M	$157.54M	$200.14M	$131.89M	$133.45M	$117.55M	$156.81M	$103.68M	$114.10M	$100.55M	$123.32M	$84.87M	$94.36M	$73.05M	$95.23M	$56.54M	$64.55M	$51.39M	$67.79M	$36.98M	$44.99M	$33.23M	$42.09M	$23.76M	—	—	—
Depreciation Expense (USD)	$8.02M	$7.02M	$6.77M	$6.77M	$5.50M	$4.65M	—	—	$4.26M	$3.99M	—	—	$3.73M	$3.12M	—	—	$2.82M	$2.43M	—	—	$2.13M	$1.76M	$1.77M	—	—	—	—
Net Income, GAAP (USD)	$12.52M	$33.00K	$29.63M	$-12.01M	$-4.16M	$-15.90M	$38.90M	$-13.88M	$-6.22M	$1.29M	$10.64M	$-16.81M	$-3.68M	$-1.13M	$-4.27M	$-23.80M	$-10.15M	$-11.28M	$9.99M	$-18.15M	$-8.65M	$-4.03M	$5.22M	$-16.00M	—	—	—
Operating Cash Flow (USD)	$-15.85M	$4.89M	$150.10M	$25.98M	$-78.89M	$-28.55M	—	—	$-38.09M	$55.47M	—	—	$-20.85M	$33.16M	—	—	$-17.00M	$-7.67M	—	—	$-14.79M	$13.34M	$13.04M	—	—	—	—

Flywire Corp

Analytical Summary

27-Year Financial Trajectory

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