Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
Upturn AI SWOT - About
FLYW 
Flywire Corp (FLYW)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
09/17/2025: FLYW (1-star) has a low Upturn Star Rating. Not recommended to BUY.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
16 Analysts rated it
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $14.55
1 Year Target Price $14.55
| 4 | Strong Buy |
| 2 | Buy |
| 9 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -5.36% | Avg. Invested days 38 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.63B USD | Price to earnings Ratio 267 | 1Y Target Price 14.55 |
Price to earnings Ratio 267 | 1Y Target Price 14.55 | ||
Volume (30-day avg) 16 | Beta 1.29 | 52 Weeks Range 8.20 - 23.40 | Updated Date 09/17/2025 |
52 Weeks Range 8.20 - 23.40 | Updated Date 09/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.05 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 1.27% | Operating Margin (TTM) -6.41% |
Management Effectiveness
Return on Assets (TTM) 0.07% | Return on Equity (TTM) 0.86% |
Valuation
Trailing PE 267 | Forward PE 18.28 | Enterprise Value 1420029958 | Price to Sales(TTM) 3.03 |
Enterprise Value 1420029958 | Price to Sales(TTM) 3.03 | ||
Enterprise Value to Revenue 2.63 | Enterprise Value to EBITDA 49.28 | Shares Outstanding 120437000 | Shares Floating 89296329 |
Shares Outstanding 120437000 | Shares Floating 89296329 | ||
Percent Insiders 3.45 | Percent Institutions 88.34 |
Upturn AI SWOT
Flywire Corp
Company Overview
History and Background
Flywire was founded in 2011, initially focusing on streamlining international tuition payments for students. It has since expanded to other verticals including healthcare, travel, and B2B, offering a global payment platform.
Core Business Areas
- Education Payments: Facilitates cross-border and domestic education payments for students and institutions. Includes features like payment tracking, reconciliation, and compliance management.
- Healthcare Payments: Enables healthcare providers to receive and process payments from patients globally, supporting various payment methods and currencies.
- Travel Payments: Provides payment solutions for travel operators, allowing them to accept payments from customers worldwide with features like fraud prevention and multi-currency support.
- B2B Payments: Offers solutions for businesses to manage international and domestic payments to vendors and partners.
Leadership and Structure
Mike Massaro is the CEO. The company has a typical corporate structure with functional departments like Sales, Marketing, Technology, and Finance.
Top Products and Market Share
Key Offerings
- Global Payment Platform: Provides a comprehensive solution for managing cross-border and domestic payments. Includes features for payment processing, currency conversion, compliance, and reporting. Market share data is not readily available; Flywire competes with traditional payment processors and niche players specializing in specific verticals. Competitors include Western Union Business Solutions, TransferMate, and PayMyTuition.
- Payment Processing Services: Offers payment processing services for education, healthcare, travel, and B2B sectors, enabling clients to accept various payment methods and currencies. Specific market share data for this offering is not publicly disclosed. Competitors are similar to the Global Payment Platform.
Market Dynamics
Industry Overview
The global payments industry is large and growing, driven by increasing cross-border transactions and the shift towards digital payments. It is characterized by intense competition, evolving regulatory landscapes, and technological advancements.
Positioning
Flywire positions itself as a specialized payment provider focusing on specific verticals, differentiating itself through industry-specific solutions and a focus on customer experience. It aims to provide secure and reliable payment processing solutions. Competitive advantage lies in industry specific solutions tailored for education, healthcare, etc.
Total Addressable Market (TAM)
TAM is estimated to be several trillion dollars globally for cross-border payments. Flywire is positioned to capture a portion of this market by focusing on specific verticals and providing specialized payment solutions.
Upturn SWOT Analysis
Strengths
- Specialized industry focus (education, healthcare, travel)
- Global payment capabilities
- Strong customer relationships
- Scalable platform
- Regulatory Compliance Expertise
Weaknesses
- Reliance on specific verticals
- Competition from larger payment processors
- Exposure to currency fluctuations
- Relatively smaller size compared to major competitors
- Dependence on regulatory approvals
Opportunities
- Expansion into new verticals
- Partnerships with financial institutions
- Adoption of new payment technologies
- Increased cross-border transactions
- Growing demand for specialized payment solutions
Threats
- Increased competition
- Regulatory changes
- Economic downturns
- Cybersecurity threats
- Disruptive technologies
Competitors and Market Share
Key Competitors
- WEX
- GPN
- ADYEY
Competitive Landscape
Flywire's advantages include its specialized industry focus and strong customer relationships. Its disadvantages include competition from larger players with greater resources and broader product offerings.
Major Acquisitions
Simplee
- Year: 2021
- Acquisition Price (USD millions): 0
- Strategic Rationale: Expanded Flywire's presence in the healthcare vertical by adding patient engagement and payment solutions.
Growth Trajectory and Initiatives
Historical Growth: Flywire has experienced revenue growth in recent years driven by increased adoption of its payment solutions and expansion into new verticals.
Future Projections: Analyst estimates suggest continued revenue growth for Flywire driven by the increasing demand for global payment solutions in its target markets.
Recent Initiatives: Recent initiatives may include strategic partnerships, product enhancements, and geographic expansion.
Summary
Flywire is a growing company with a strong focus on specialized payment solutions for education, healthcare, and travel. Its growth is driven by increasing cross-border transactions and demand for digital payments. However, it faces competition from larger payment processors and must navigate evolving regulatory landscapes to remain competitive. The company's focus on niche markets and customer experience gives it a slight edge in a broad market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Analyst Reports
- Industry Research Reports
- Company Website
Disclaimers:
This analysis is based on available information and is subject to change. The financial data provided is illustrative and may not be exact. Investment decisions should be based on thorough due diligence and professional advice.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Flywire Corp
Exchange NASDAQ | Headquaters Boston, MA, United States | ||
IPO Launch date 2021-05-26 | CEO & Director Mr. Michael Massaro | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 1250 | Website https://www.flywire.com |
Full time employees 1250 | Website https://www.flywire.com | ||
Flywire Corporation, together with its subsidiaries, operates as a payments enablement and software company in the United States 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, as well as provides direct connections to alternative payment methods, such as Alipay, Boleto, PayPal/Venmo, and Trustly. It serves education, healthcare, travel, and business to business sectors. The company 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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.