Flywire Corporation (FLYW) AI Stock Analysis

Flywire Corporation operates as a payment enablement and software company with operations across the United States, Canada, the United Kingdom, and international markets. The company provides vertical-specific software and a payment platform designed to facilitate transactions across various currencies, payment types, and options. Its solutions serve industries such as education, healthcare, travel, and business-to-business. Flywire provides direct connections to alternative payment methods, including Alipay, Boleto, PayPal/Venmo, and Trustly. Founded in 2009 as peerTransfer Corporation and rebranded in December 2016, Flywire is headquartered in Boston, Massachusetts, and employs 1,500 people.

Flywire increased revenue from $201.1M in FY2021 to $623.0M in FY2025, reflecting a 5-year revenue compound annual growth rate of 36.4%. Annual revenue grew 26.6% in FY2025, while gross margin stood at 61.4% and operating margin turned positive at 3.2%. Net income reached $13.5M in FY2025, up from -$28.1M in FY2021. For the trailing twelve months ended June 30, 2026, revenue totaled $713.5M with an operating margin of -1.4% and diluted earnings per share of $0.26. In the latest quarter ended June 30, 2026, quarterly revenue grew 27.2% year-over-year, while quarterly earnings declined 23.3%.

As of June 30, 2026, Flywire held $294.2M in cash and short-term investments, with total assets of $1.16B and shareholders' equity of $816.6M. The company reported a current ratio of 1.52. In FY2025, operating cash flow was $100.2M and capital expenditures were $1.4M, resulting in free cash flow of $98.8M. Cash deployment in FY2025 included $78.5M allocated to share buybacks, while the share count increased by 16.2% over 5 years.

At $18.47, Flywire trades at an enterprise value of $1.79B and a market capitalization of $2.28B. Its trailing P/E of 71.0x and EV/EBITDA of 24.8x trade at a premium to the median of its US-listed Technology peers, which stand at 28.1x and 16.6x, respectively. The forward P/E of 18.9x aligns closely with the peer median of 18.8x, while its price-to-sales of 3.2x exceeds the peer median of 2.8x. Over the past year, the stock returned 44.7%, outperforming the SPY return of 16.8%, but its 5-year return of -64.4% trailed the SPY return of 83.0%.

Wall Street coverage consists of 5 Strong Buy, 3 Buy, and 6 Hold ratings, with no Sell or Strong Sell ratings. The mean price target of $21.07 represents a 14.1% upside compared to the last close of $18.47. For the fiscal year ending December 31, 2026, consensus estimates project revenue of $760.8M and EPS of $1.08, representing 129.9% EPS growth. Flywire beat EPS estimates in 3 of the last 4 quarters. The next earnings release is scheduled for November 3, 2026.

This page is an AI-written research summary of Flywire Corporation (FLYW). The text was generated on October 30, 2026 from Quotelinks data as of October 16, 2026 (company profile, annual results, latest balance sheet, valuation, price performance and analyst estimates). An automatic check rejects any draft that contains a figure not found in that data. It is not investment advice; verify figures on the linked tabs before making decisions.

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