← Back to Screener
ScreenerNewsCompareWatchlist
VCP ScannerFree US Stock Screener & Financial AnalysisFree US Stock Screener
ScreenerThemesNewsCompareWatchlist
AnalyzeValuationTotal ReturnDCA CalculatorInsider Activity

FLYW logoFlywire Corporation(FLYW)Earnings, Financials & Key Ratios

FLYW•NASDAQ
$14.53
$1.73B mkt cap·132.1× P/E·Price updated May 6, 2026
SectorTechnologyIndustryIT ServicesSub-IndustryPayments Processing and Fintech Services
AboutFlywire 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.Show more
  • Revenue$623M+26.6%
  • EBITDA$37M+269.5%
  • Net Income$13M+365.4%
  • EPS (Diluted)0.11+391.1%
  • Gross Margin61.42%-3.9%
  • EBITDA Margin6%+191.9%
  • Operating Margin1.81%+223.0%
  • Net Margin2.17%+267.6%
  • ROE1.64%+351.6%
  • ROIC2.05%+185.6%
  • Interest Coverage1.01-77.4%
Technical→

FLYW Key Insights

Flywire Corporation (FLYW) fundamental analysis — strengths, weaknesses & financial health based on data analysis

✓Strengths

  • ✓FCF machine: 15.9% free cash flow margin
  • ✓High quality earnings: Operating CF exceeds net income
  • ✓Strong 5Y sales CAGR of 36.4%
  • ✓Trading near 52-week high

✗Weaknesses

  • ✗Weak 3Y average ROE of 0.2%

* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.

FLYW Price & Volume

Flywire Corporation (FLYW) stock price & volume — 10-year historical chart

Loading chart...

FLYW Growth Metrics

Flywire Corporation (FLYW) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR

Revenue CAGR

10 Years-
5 Years36.44%
3 Years29.13%
TTM36772.76%

Profit CAGR

10 Years-
5 Years-
3 Years-
TTM252787.98%

EPS CAGR

10 Years-
5 Years-
3 Years-
TTM784.73%

Return on Capital

10 Years-7.95%
5 Years-2.51%
3 Years-0.95%
Last Year1.34%

FLYW Recent Earnings

Flywire Corporation (FLYW) EPS & revenue vs analyst estimates — last 4 quarters

Full history →
●Beat EPS 6/12 qtrs (50%)●Beat Revenue 8/12 qtrs (67%)
Q1 2026Latest
Feb 24, 2026
EPS
$0.00
Est $0.01
+103.0%
Revenue
$153M
Est $145M
+5.6%
Q4 2025
Nov 4, 2025
EPS
$0.23
Est $0.19
+21.1%
Revenue
$200M
Est $145M
+38.1%
Q3 2025
Aug 5, 2025
EPS
$0.09
Est $0.07
-28.6%
Revenue
$132M
Est $181M
-27.0%
Q2 2025
May 6, 2025
EPS
$0.03
Est $0.01
+200.0%
Revenue
$133M
Est $124M
+7.7%
QuarterDateEPS (Act vs Est)Revenue (Act vs Est)
Q1 2026LatestFeb 24, 2026
$0.00vs $0.01+103.0%
$153Mvs $145M+5.6%
Q4 2025Nov 4, 2025
$0.23vs $0.19+21.1%
$200Mvs $145M+38.1%
Q3 2025Aug 5, 2025
$0.09vs $0.07-28.6%
$132Mvs $181M-27.0%
Q2 2025May 6, 2025
$0.03vs $0.01+200.0%
$133Mvs $124M+7.7%
Based on last 12 quarters of dataView full earnings history →

FLYW Peer Comparison

Flywire Corporation (FLYW) competitors in Payments Processing and Fintech Services — business model, growth, and fundamentals comparison

Select Columns
Stock Universe
Valuation
Growth
Profitability
Financial Health
Dividends & Buybacks
Price Performance
Technical
Fundamentals ($)
Sector-Specific
CompanyMarket CapStock PriceP/E Ratio (TTM)Revenue Growth 1YNet MarginReturn on Equity (ROE)FCF YieldDebt / Equity
EVTC logoEVTCEVERTEC, Inc.Direct Competitor1.82B28.3812.841913.07%2.2%4.44%100%1.39
PAYO logoPAYOPayoneer Global Inc.Direct Competitor1.69B4.9125.847.68%6.95%9.84%12.21%0.10
CWAN logoCWANClearwater Analytics Holdings, Inc.Direct Competitor6.56B24.19-172.7961.88%-5.31%-1.91%2.5%0.42
ALKT logoALKTAlkami Technology, Inc.Direct Competitor1.8B16.85-36.6332.89%-10.55%-13.96%2.29%0.98
WEX logoWEXWEX Inc.Product Competitor5.1B147.2317.381.24%11.5%26.96%6.15%3.94
RPAY logoRPAYRepay Holdings CorporationProduct Competitor314.47M3.57-1.19-1.21%-82.73%-46.64%28.97%0.91
PRAA logoPRAAPRA Group, Inc.Product Competitor834.15M21.38-2.7410.36%-24.6%-25.96%0.03
FOUR logoFOURShift4 Payments, Inc.Product Competitor3.75B40.9613.5229.86%5.02%8.73%8.29%2.83

Compare FLYW vs Peers

Flywire Corporation (FLYW) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.

Closest Rival

vs EVTC

Most directly comparable listed peer for FLYW.

Scale Benchmark

vs V

Larger-name benchmark to compare FLYW against a more recognizable public peer.

Peer Set

Compare Top 5

vs EVTC, PAYO, CWAN, ALKT

FLYW Income Statement

Flywire Corporation (FLYW) annual income statement — 10-year revenue, gross profit & net income history

10Y historyFree accessUpdated daily
Line itemDec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Sales/Revenue94.92M131.78M201.15M289.38M403.09M492.14M623.02M188.6B
Revenue Growth %-38.84%52.64%43.86%39.3%22.09%26.59%36772.76%
Cost of Goods Sold36.73M47.8M70.19M107.93M147.34M177.49M240.36M189.8M
COGS % of Revenue38.69%36.28%34.89%37.3%36.55%36.06%38.58%-
Gross Profit
58.19M▲ 0%
83.98M▲ 44.3%
130.96M▲ 55.9%
181.44M▲ 38.5%
255.75M▲ 41.0%
314.65M▲ 23.0%
382.67M▲ 21.6%
299.78M▲ 0%
Gross Margin %61.31%63.72%65.11%62.7%63.45%63.94%61.42%0.16%
Gross Profit Growth %-44.31%55.94%38.55%40.96%23.03%21.61%-
Operating Expenses75.65M99.79M144.22M211.66M277.27M321.91M371.37M100.16B
OpEx % of Revenue79.7%75.73%71.7%73.14%68.79%65.41%59.61%-
Selling, General & Admin60.64M75.29M112.92M161.41M215.25M255.27M292.47M80.67B
SG&A % of Revenue63.89%57.13%56.14%55.78%53.4%51.87%46.94%-
Research & Development15.01M24.5M31.3M50.26M62.03M66.64M70.21M19.49B
R&D % of Revenue15.81%18.59%15.56%17.37%15.39%13.54%11.27%-
Other Operating Expenses0000008.69M0
Operating Income
-17.46M▲ 0%
-15.81M▲ 9.4%
-13.26M▲ 16.2%
-30.22M▼ 128.0%
-21.52M▲ 28.8%
-7.25M▲ 66.3%
11.29M▲ 255.7%
10.8B▲ 0%
Operating Margin %-18.39%-12%-6.59%-10.44%-5.34%-1.47%1.81%5.73%
Operating Income Growth %-9.41%16.17%-127.95%28.8%66.28%255.69%-
EBITDA-13.73M-9.02M-4.26M-17.92M-5.75M10.11M37.35M10.83B
EBITDA Margin %-14.46%-6.85%-2.12%-6.19%-1.43%2.05%6%5.74%
EBITDA Growth %-34.28%52.79%-320.66%67.88%275.67%269.54%171071.97%
D&A (Non-Cash Add-back)3.73M6.79M9M12.3M15.76M17.36M26.06M24.06M
EBIT-17.11M-15.74M-23.91M-36.15M-3.98M2.4M3.55B213.47M
Net Interest Income-2.46M-2.53M-2.02M2.03M12.98M20.9M2.11B1.9B
Interest Income0003.24M13.35M21.44M5.64B3B
Interest Expense2.46M2.53M2.02M1.21M372K538K3.53B-116.01M
Other Income/Expense-2.11M-2.46M-12.67M-7.14M17.17M9.12M10.14M3.91B
Pretax Income
-19.57M▲ 0%
-18.28M▲ 6.6%
-25.93M▼ 41.9%
-37.36M▼ 44.1%
-4.35M▲ 88.4%
1.86M▲ 142.7%
21.44M▲ 1052.7%
14.71B▲ 0%
Pretax Margin %-20.61%-13.87%-12.89%-12.91%-1.08%0.38%3.44%7.8%
Income Tax550K-7.17M2.16M1.99M4.21M-1.04M7.94M2.18B
Effective Tax Rate %-2.81%39.23%-8.32%-5.32%-96.83%-55.91%37.05%14.81%
Net Income
-20.12M▲ 0%
-11.11M▲ 44.8%
-28.09M▼ 152.9%
-39.35M▼ 40.1%
-8.57M▲ 78.2%
2.9M▲ 133.9%
13.5M▲ 365.4%
12.54B▲ 0%
Net Margin %-21.19%-8.43%-13.96%-13.6%-2.13%0.59%2.17%6.65%
Net Income Growth %-44.79%-152.86%-40.1%78.23%133.85%365.41%252787.98%
Net Income (Continuing)-20.12M-11.11M-28.09M-39.35M-8.57M2.9M13.5M12.54B
Discontinued Operations00000000
Minority Interest00000000
EPS (Diluted)
-0.20▲ 0%
-0.11▲ 45.0%
-0.26▼ 136.4%
-0.36▼ 38.5%
-0.07▲ 79.3%
0.02▲ 130.0%
0.11▲ 391.1%
97.98▲ 0%
EPS Growth %-45%-136.36%-38.46%79.28%130.03%391.07%784.73%
EPS (Basic)-0.20-0.11-0.26-0.36-0.070.020.11-
Diluted Shares Outstanding101.11M101.11M106.44M107.94M114.83M129.34M127.75M127.95M
Basic Shares Outstanding101.11M101.11M106.44M107.94M114.83M124.27M122.38M122.18M
Dividend Payout Ratio--------

FLYW Balance Sheet

Flywire Corporation (FLYW) balance sheet — assets, liabilities & shareholders' equity

Line itemDec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Total Current Assets108.18M148.56M443.79M450.64M815.68M762.88M602.29M512.35B
Cash & Short-Term Investments86.03M104.05M385.36M349.18M654.61M611.09M355M325.08B
Cash Only86.03M104.05M385.36M349.18M654.61M495.24M330.3M311.89B
Short-Term Investments00000115.85M24.69M13.19B
Accounts Receivable19.45M35.75M44.59M81.94M142.85M129.27M210.75M148B
Days Sales Outstanding74.7799.0280.92103.35129.3595.87123.4771.86
Inventory00000000
Days Inventory Outstanding--------
Other Current Assets05M4M19.53M18.23M22.53M36.54M39.27B
Total Non-Current Assets32.82M122.88M196.06M223.64M264.05M359.56M651.02M650.03B
Property, Plant & Equipment4.85M5.1M9.44M13.32M15.13M17.16M22.13M24.33B
Fixed Asset Turnover19.57x25.83x21.30x21.73x26.63x28.68x28.16x30.93x
Goodwill12.92M44.65M85.84M97.77M121.65M149.56M406.51M406.77B
Intangible Assets14.3M68.21M93.6M97.62M108.18M118.68M189.05M183.15B
Long-Term Investments0000050.13M019.28M
Other Non-Current Assets749K4.92M7.18M14.95M19.09M24.04M33.34M35.87B
Total Assets
141M▲ 0%
271.44M▲ 92.5%
639.85M▲ 135.7%
674.29M▲ 5.4%
1.08B▲ 60.1%
1.12B▲ 4.0%
1.25B▲ 11.7%
1.16T▲ 0%
Asset Turnover0.67x0.49x0.31x0.43x0.37x0.44x0.50x0.65x
Asset Growth %-92.51%135.72%5.38%60.13%3.96%11.66%109547.24%
Total Current Liabilities82.78M88.38M117.48M177.28M273.79M289.77M401.76M293.53B
Accounts Payable2.9M5.44M10.24M13.32M12.59M15.35M326.1M217.43B
Days Payables Outstanding28.8541.553.2645.0631.1831.57495.2104.85K
Short-Term Debt3.9M0000000
Deferred Revenue (Current)1.32M1.23M5.49M5.22M6.97M7.34M19.95M22.74B
Other Current Liabilities5.7M16.11M21.57M16.94M19.75M19.05M55.72M270.86B
Current Ratio1.31x1.68x3.78x2.54x2.98x2.63x1.50x1.50x
Quick Ratio1.31x1.68x3.78x2.54x2.98x2.63x1.50x1.50x
Cash Conversion Cycle--------104.78K
Total Non-Current Liabilities133.5M264.82M40.17M15.11M19.82M17.9M16.38M16.62B
Long-Term Debt20.74M24.35M25.94M00000
Capital Lease Obligations00000000
Deferred Tax Liabilities295K481K8.4M12.15M15.39M12.64M12.9M13.42B
Other Non-Current Liabilities112.47M239.99M5.83M2.96M4.43M5.26M3.48M3.26B
Total Liabilities216.28M353.2M157.64M192.38M293.61M307.68M418.14M310.15B
Total Debt24.63M24.35M25.94M1.81M1.47M1.72M00
Net Debt-61.39M-79.7M-359.42M-347.37M-653.14M-493.52M-330.3M-311.89B
Debt / Equity--0.05x0.00x0.00x0.00x-0.00x
Debt / EBITDA-----0.17x-0.00x
Net Debt / EBITDA------48.82x-8.84x-8.84x
Interest Coverage-6.96x-6.22x-11.83x-29.85x-10.70x4.46x1.01x-1.84x
Total Equity
-75.28M▲ 0%
-81.76M▼ 8.6%
482.2M▲ 689.8%
481.9M▼ 0.1%
786.12M▲ 63.1%
814.77M▲ 3.6%
835.17M▲ 2.5%
852.23B▲ 0%
Equity Growth %--8.61%689.76%-0.06%63.13%3.64%2.5%108565.39%
Book Value per Share-0.74-0.814.534.466.856.306.546660.84
Total Shareholders' Equity-75.28M-81.76M482.2M481.9M786.12M814.77M835.17M852.23B
Common Stock2K2K11K11K12K13K13K13M
Retained Earnings-86.67M-97.77M-125.86M-165.2M-173.77M-170.87M-157.37M-144.85B
Treasury Stock-748K-748K-748K-748K-747K-46.27M00
Accumulated OCI102K-214K-399K-1.91M1.32M-2.07M2.49M1.55B
Minority Interest00000000

FLYW Cash Flow Statement

Flywire Corporation (FLYW) cash flow — operating, investing & free cash flow history

Line itemDec'19Dec'20Dec'21Dec'22Dec'23Dec'24Dec'25TTM
Cash from Operations4.07M-14.22M17.13M4.88M80.63M91.47M100.17M100.17M
Operating CF Margin %4.29%-10.79%8.52%1.69%20%18.59%16.08%-
Operating CF Growth %--449.2%220.45%-71.51%1552.15%13.45%9.52%-19673.78%
Net Income-20.12M-11.11M-27.96M-39.35M-8.57M2.9M13.5M12.54B
Depreciation & Amortization3.73M6.79M9M12.3M15.76M17.36M27.99M8.03B
Stock-Based Compensation2.95M3.84M18.93M30.26M43.73M64.93M017.5B
Deferred Taxes-11K-8.54M-45K-1.71M72K-8.79M0-663.63M
Other Non-Cash Items1.35M6.9M13.91M-506K2.79M-1.29M60.71M-53.18B
Working Capital Changes16.17M-12.12M3.3M3.88M26.84M16.36M-2.03M104.45M
Change in Receivables-431K-7.99M-587K-323K-58.45M13.78M-11.28M-5.72B
Change in Inventory13.52M0-7.64M00000
Change in Payables2.25M5.67M11.69M6.57M5.55M3.3M0-3B
Cash from Investing-3.75M-81.54M-62.91M-24.68M-38.78M-215.8M-194.23M7.75B
Capital Expenditures-3.75M-2.14M-6.68M-7.09M-1.01M-924K-1.35M-145.98M
CapEx % of Revenue3.95%1.62%3.32%2.45%0.25%0.19%0.22%-
Acquisitions0-79.4M-56.11M-17.59M-32.76M-45.23M-324.92M-5.09M
Investments--------
Other Investing00-119K0-5M-5.32M132.04M-3.43B
Cash from Financing-3.92M119.05M327.51M-23.97M263.42M-37.63M-78.4M-12.65B
Debt Issued (Net)10M0939K-25.94M000-60.76M
Equity Issued (Net)-295K119.75M328.43M5.67M261.12M-43.74M-78.55M-24.39M
Dividends Paid00000000
Share Repurchases-295K0000-43.74M-78.55M-10.06B
Other Financing-13.62M-706K-1.86M-3.7M2.3M6.11M145K-12.56B
Net Change in Cash
-3.58M▲ 0%
23.02M▲ 744.1%
280.31M▲ 1117.4%
-38.18M▼ 113.6%
303.43M▲ 894.7%
-159.37M▼ 152.5%
-164.94M▼ 3.5%
-18.27B▲ 0%
Free Cash Flow
325K▲ 0%
-16.36M▼ 5135.1%
10.45M▲ 163.8%
-2.21M▼ 121.2%
74.61M▲ 3473.1%
90.54M▲ 21.4%
98.83M▲ 9.1%
-15.81B▲ 0%
FCF Margin %0.34%-12.42%5.19%-0.76%18.51%18.4%15.86%-8.38%
FCF Growth %--5135.08%163.84%-121.17%3473.06%21.35%9.15%-32665.46%
FCF per Share0.00-0.160.10-0.020.650.700.770.77
FCF Conversion (FCF/Net Income)-0.20x1.28x-0.61x-0.12x-9.41x31.54x7.42x-1.26x
Interest Paid02.1M000000
Taxes Paid00000000

FLYW Key Ratios

Flywire Corporation (FLYW) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios

Metric202020212022202320242025TTM
Return on Equity (ROE)--14.03%-8.16%-1.35%0.36%1.64%5.87%
Return on Invested Capital (ROIC)--8.1%-17.62%-12.07%-2.4%2.05%2.05%
Gross Margin63.72%65.11%62.7%63.45%63.94%61.42%0.16%
Net Margin-8.43%-13.96%-13.6%-2.13%0.59%2.17%6.65%
Debt / Equity-0.05x0.00x0.00x0.00x-0.00x
Interest Coverage-6.22x-11.83x-29.85x-10.70x4.46x1.01x-1.84x
FCF Conversion1.28x-0.61x-0.12x-9.41x31.54x7.42x-1.26x
Revenue Growth38.84%52.64%43.86%39.3%22.09%26.59%36772.76%

FLYW SEC Filings & Documents

Flywire Corporation (FLYW) SEC filings — annual & quarterly reports (10-K, 10-Q)

8-K Announcements

6
Material company update

May 5, 2026·SEC

Material company update

Mar 26, 2026·SEC

Material company update

Feb 24, 2026·SEC

10-K Annual Reports

2
FY 2026

Feb 24, 2026·SEC

FY 2025

Feb 26, 2025·SEC

10-Q Quarterly Reports

6
FY 2025

Nov 10, 2025·SEC

FY 2025

Aug 6, 2025·SEC

FY 2025

May 7, 2025·SEC

FLYW Frequently Asked Questions

Flywire Corporation (FLYW) stock FAQ — growth, dividends, profitability & financials explained

Growth & Financials

Flywire Corporation (FLYW) reported $188.60B in revenue for fiscal year 2025. This represents a 198599% increase from $94.9M in 2019.

Flywire Corporation (FLYW) grew revenue by 26.6% over the past year. This is strong growth.

Yes, Flywire Corporation (FLYW) is profitable, generating $12.54B in net income for fiscal year 2025 (2.2% net margin).

Dividend & Returns

Flywire Corporation (FLYW) has a return on equity (ROE) of 1.6%. This is below average, suggesting room for improvement.

Flywire Corporation (FLYW) had negative free cash flow of $15.81B in fiscal year 2025, likely due to heavy capital investments.

Explore More FLYW

Flywire Corporation (FLYW) financial analysis — history, returns, DCA and operating performance tools

Total Return Calculator

Historical returns with dividends reinvested

→

DCA Calculator

Dollar cost averaging vs lump sum

→

Dividend History

Yield, growth, payout safety & DRIP

→

Earnings History

EPS trends, net income & profitability

→

Price History

Long-term charts & historical price data

→

Revenue History

Sales growth patterns & revenue breakdown

→

Financial Ratios

30 years of market, efficiency and balance-sheet ratios

→

Valuation

DCF intrinsic value, peer multiples & estimates

→
VCP ScannerFree US Stock Screener & Financial Analysis

Find stocks. Verify deeply. Act with conviction.

Patterns find ideas. Fundamentals build conviction.

Data updated daily

Quick Links

  • Home
  • Screener
  • Themes
  • Market Valuation
  • Valuation
  • Compare
  • Total Return
  • DCA Calculator
  • News
  • Insights
  • Methodology
  • How It Works
  • Profile

Popular Screens

  • VCP Hot
  • VCP Warm
  • Value Screens
  • Growth Screens
  • Momentum Screens
  • Technical Screens
  • Quality Screens

Community

  • Follow @VCPScanner on X

Get weekly stock ideas — free

© 2026 VCP Scanner. All rights reserved.
About·Privacy Policy·Terms of Service
Not financial advice. Do your own research.