Flywire Corporation FLYW

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21.46 USD +2.31 (+12.06%)

Nov 4, 2026, 12:30 PM EST

19.68 Day range 21.66
10.55 52-week range 21.66
YTD
+51.56%
1 year
+55.40%

Financial health

Altman Z-Score

3.88 Safe zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

7 / 9 Strong

Nine pass/fail tests of profitability, leverage and efficiency.

FMP rating

B+3 / 5 overall

  • DCF 5
  • Return on Equity 3
  • Return on Assets 4
  • Debt / Equity 1
  • P/E 2
  • P/B 3

Valuation

P/E 129×
FY 2019: -176×FY 2020: -319×FY 2021: -146×FY 2022: -68.0×FY 2023: -310×FY 2024: 885×FY 2025: 129×
FY 2019 5y median -68.0× FY 2025
P/S 2.8×
FY 2019: 37.4×FY 2020: 26.9×FY 2021: 20.1×FY 2022: 9.1×FY 2023: 6.6×FY 2024: 5.2×FY 2025: 2.8×
FY 2019 5y median 6.6× FY 2025
P/B 2.1×
FY 2019: -47.1×FY 2020: -43.4×FY 2021: 8.4×FY 2022: 5.5×FY 2023: 3.4×FY 2024: 3.1×FY 2025: 2.1×
FY 2019 5y median 3.4× FY 2025
P/FCF 17.5×
FY 2019: 10919×FY 2020: -217×FY 2021: 388×FY 2022: -1194×FY 2023: 35.6×FY 2024: 28.3×FY 2025: 17.5×
FY 2019 5y median 28.3× FY 2025
EV/EBITDA 27.5×
FY 2019: -261×FY 2020: -388×FY 2021: -248×FY 2022: -96.2×FY 2023: 170×FY 2024: 105×FY 2025: 27.5×
FY 2019 5y median 27.5× FY 2025
EV/Sales 2.3×
FY 2019: 36.7×FY 2020: 26.3×FY 2021: 18.4×FY 2022: 7.9×FY 2023: 5.0×FY 2024: 4.2×FY 2025: 2.3×
FY 2019 5y median 5.0× FY 2025
FCF Yield 5.7%
FY 2019: 0.0%FY 2020: -0.5%FY 2021: 0.3%FY 2022: -0.1%FY 2023: 2.8%FY 2024: 3.5%FY 2025: 5.7%
FY 2019 5y median 2.8% FY 2025

Profitability

Gross Margin 61.4%
FY 2019: 61.3%FY 2020: 63.7%FY 2021: 65.1%FY 2022: 62.7%FY 2023: 63.4%FY 2024: 63.9%FY 2025: 61.4%
FY 2019 5y median 63.4% FY 2025
Operating Margin 3.2%
FY 2019: -18.4%FY 2020: -12.0%FY 2021: -6.6%FY 2022: -10.4%FY 2023: -5.3%FY 2024: -1.5%FY 2025: 3.2%
FY 2019 5y median -5.3% FY 2025
Net Margin 2.2%
FY 2019: -21.2%FY 2020: -8.4%FY 2021: -14.0%FY 2022: -13.6%FY 2023: -2.1%FY 2024: 0.6%FY 2025: 2.2%
FY 2019 5y median -2.1% FY 2025
ROE 1.6%
FY 2019: 26.7%FY 2020: 13.6%FY 2021: -5.8%FY 2022: -8.2%FY 2023: -1.1%FY 2024: 0.4%FY 2025: 1.6%
FY 2019 5y median -1.1% FY 2025
ROIC 1.5%
FY 2019: -28.1%FY 2020: -5.3%FY 2021: -2.5%FY 2022: -6.1%FY 2023: -2.7%FY 2024: -0.9%FY 2025: 1.5%
FY 2019 5y median -2.5% FY 2025
ROA 1.1%
FY 2019: -14.3%FY 2020: -4.1%FY 2021: -4.4%FY 2022: -5.8%FY 2023: -0.8%FY 2024: 0.3%FY 2025: 1.1%
FY 2019 5y median -0.8% FY 2025

Growth (YoY)

Revenue 26.6%
FY 2019: 0.0%FY 2020: 38.8%FY 2021: 52.6%FY 2022: 43.9%FY 2023: 39.3%FY 2024: 22.1%FY 2025: 26.6%
FY 2019 FY 2025
Operating Income 375.5%
FY 2019: 0.0%FY 2020: 9.4%FY 2021: 16.2%FY 2022: -128.0%FY 2023: 28.8%FY 2024: 66.3%FY 2025: 375.5%
FY 2019 FY 2025
EPS (diluted) 391.1%
FY 2019: 0.0%FY 2020: 45.0%FY 2021: -136.4%FY 2022: -38.5%FY 2023: 79.3%FY 2024: 130.0%FY 2025: 391.1%
FY 2019 FY 2025
Free Cash Flow 9.1%
FY 2019: 0.0%FY 2020: -5135.1%FY 2021: 163.8%FY 2022: -121.2%FY 2023: 3473.1%FY 2024: 21.4%FY 2025: 9.1%
FY 2019 FY 2025

Financial Health

Current Ratio 1.5×
FY 2019: 1.3×FY 2020: 1.7×FY 2021: 3.8×FY 2022: 2.5×FY 2023: 3.0×FY 2024: 2.6×FY 2025: 1.5×
FY 2019 5y median 2.6× FY 2025
Quick Ratio 1.5×
FY 2019: 1.3×FY 2020: 1.7×FY 2021: 3.8×FY 2022: 2.5×FY 2023: 3.0×FY 2024: 2.6×FY 2025: 1.5×
FY 2019 5y median 2.6× FY 2025
Debt / Equity 0.0×
FY 2019: -0.3×FY 2020: -0.3×FY 2021: 0.1×FY 2022: 0.0×FY 2023: 0.0×FY 2024: 0.0×FY 2025: 0.0×
FY 2019 5y median 0.0× FY 2025
Net Debt / EBITDA -6.4×
FY 2019: 4.6×FY 2020: 8.9×FY 2021: 24.1×FY 2022: 14.6×FY 2023: -55.4×FY 2024: -25.0×FY 2025: -6.4×
FY 2019 5y median -6.4× FY 2025
Interest Coverage 5.7×
FY 2019: -7.1×FY 2020: -6.2×FY 2021: -6.6×FY 2022: -25.0×FY 2023: -57.8×FY 2024: -13.5×FY 2025: 5.7×
FY 2019 5y median -13.5× FY 2025

Dividends

Dividend Yield 0.0%
FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2019 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2019 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31