Flywire Corporation
$14.61
-12%Flywire Corporation, together with its subsidiaries, operates as a payment enablement and software company in the United States, Canada, and the United Kingdom, and internationally. Its payment platform and network, and vertical-specific software help clients to get paid and help their customers to pay. The company's platform facilitates payment flows across multiple currencies, payment types, and payment options; and provides direct connections to alternative payment methods, such as Alipay, Boleto, PayPal/Venmo, and Trustly. It serves education, healthcare, travel, and business to business organizations. Flywire Corporation was formerly known as peerTransfer Corporation and changed its name to Flywire Corporation in December 2016. Flywire Corporation was incorporated in 2009 and is headquartered in Boston, Massachusetts.
At a Glance
Live SnapshotIntrinsic Alpha Methodology
Thesis Lenses
Signal
High confidenceValuation multiple is elevated (P/E 132.8).
Valuation inputs: P/E 132.8, earnings yield +0.8%, momentum -12.0%.
If multiples stay elevated while momentum fades, downside repricing risk rises.
Driver
High confidenceReturn profile is soft (ROE +1.6%, ROIC +0.8%).
Profitability stack: net margin +2.2%, ROE +1.6%, ROIC +0.8%.
Quality deterioration often appears in margins before it shows up in headline EPS.
Risk
High confidenceDownside profile is elevated and scenario stress-testing is essential.
Risk factors: liabilities/assets +33.4%, momentum -12.0%, net margin +2.2%.
Higher leverage with weak momentum and thin margins can amplify drawdown severity.
Flywire Corporation Market vs Earnings Trajectory
Loading price and EPS data...
Flywire Corporation Fair Value Envelope
Flywire Corporation Profit Bridge
Profitability Analysis
Gross Margin
Exceptional pricing power and cost management. The company retains over half of revenue after direct costs.
Operating Margin
Minimal operating profit suggests high operating costs or pricing challenges. Scalability is concerning.
Net Profit Margin
Minimal profitability after all expenses. Limited financial flexibility for reinvestment or shareholder returns.
Effective Tax Rate
Higher tax burden may reflect limited tax optimization or operations in high-tax jurisdictions.
Profitability Insight
Margin squeeze alert: Healthy gross margins but weak operating margins suggest excessive operating expenses. Cost optimization could unlock significant value.
Flywire Corporation Cash Conversion Engine
Cash Flow Quality Analysis
FCF Conversion Rate
Excellent cash generation. The company converts earnings to cash at or above 100%, indicating high-quality earnings.
CapEx Intensity
Asset-light business model. Low capital requirements leave more cash available for shareholders and growth investments.
FCF Growth Trend
Steady FCF growth indicates consistent cash generation improvement. On a positive trajectory.
Working Capital Impact
Minimal working capital impact on FCF. Changes in operating assets and liabilities well-managed.
Cash Flow Quality Insight
Asset-light with strong cash conversion: Low capital requirements combined with efficient cash generation creates significant shareholder value through dividends, buybacks, or strategic investments.
Flywire Corporation Funding & Solvency Profile
Financial Health Analysis
Current Ratio
Strong liquidity. The company has adequate resources to meet short-term liabilities.
Debt-to-Equity Ratio
Conservative capital structure. The company relies primarily on equity financing, indicating low financial risk.
Working Capital
Strong working capital position provides significant operational flexibility and financial cushion.
Asset Composition
Balanced asset mix between current and non-current assets, typical of many stable businesses.
Financial Health Insight
Strong financial foundation: Excellent liquidity combined with conservative leverage suggests the company is well-positioned to weather economic uncertainties and fund growth opportunities.
Flywire Corporation Street Expectations Map
Wall Street analysts project that FLYW stock may rise significantly over the coming 12 months. The consensus 1-year price target stands at 18.67, with estimates ranging from a low of 16.00 to a high of 22.00.
The consensus 1-year price target stands at 18.67, with estimates ranging from a low of 16.00 to a high of 22.00.
Analyst Consensus Analysis
Upside Potential
Substantial upside potential. Analysts see significant value gap, suggesting the stock may be materially undervalued at current levels.
Analyst Agreement
Good consensus alignment. Moderate target spread reflects general agreement on value drivers with some variance in assumptions.
Analyst Conviction
Positive outlook with reasonable agreement. Analysts generally optimistic about prospects with manageable uncertainty.
Market Sentiment Insight
Monitor and evaluate: Current analyst consensus suggests limited conviction or near-term catalysts. Stay informed on company developments and reassess positioning as new information emerges.
Flywire Corporation Insider Positioning
During the last 12 months, insiders have purchased $3.48M and sold $4.40M worth of FLYW shares, resulting in $925K of net selling activity.
3 Months
0
0.00
43.3K
631.85K
-632K
-$632K
3-6 Months
251.1K
3.48M
197.4K
2.53M
+947K
+$947K
6-9 Months
0
0.00
10.7K
142.21K
-142K
-$142K
9-12 Months
0
0.00
88.0K
1.10M
-1.1M
-$1.10M
Top Buyers
Voss Capital, Lp
10 Percent Owner
$3.48M
Top Sellers
Massaro Michael
Director, Officer: Chief Executive Officer
$2.38M
Butterfield Peter
Officer: General Counsel And Cco
$735K
Pitigoi Cosmin
Officer: Chief Financial Officer
$595K
Riese Phillip John
Director
$258K
Orgel Rob
Officer: President And Coo
$188K
Insider Activity Analysis
Net Insider Sentiment
Slightly bearish with $925K net selling. Selling modestly exceeds buying, which could be routine diversification rather than concern.
Buy/Sell Ratio
Moderately negative ratio. Selling is roughly double the buying, which may be routine or signal caution.
Recent Trend (3 Months)
Heavy recent selling activity. Recent insider sales notably exceed purchases—may warrant investigation into company developments.
Insider Participation
5 insider sellers vs. 1 buyers. Widespread selling across multiple insiders may signal concerns.
No Dividend Yield Data
FLYW has not reported any dividend yield values in the available annual periods.
flyw Dividend History
Learning Layer
Related Guides
Build conviction on FLYW by pairing this stock hub with focused valuation guides.
Research Paths
Snapshot
Start with context, operating signals, and key market metrics.
Value Model
Stress test fair value across bear, base, and bull assumptions.
Statements
Validate revenue quality, margins, and balance sheet durability.
Earnings Call
Read management commentary and compare it with reported outcomes.
Dividends
Check payout sustainability and long-term distribution behavior.
Analyst Expectations
Review consensus spread and where estimate risk is concentrated.