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FLYW 
Flywire Corp (FLYW)
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Upturn Advisory Summary
12/31/2025: 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 $16.59
1 Year Target Price $16.59
| 4 | Strong Buy |
| 2 | Buy |
| 9 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -7.19% | Avg. Invested days 41 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/31/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.73B USD | Price to earnings Ratio - | 1Y Target Price 16.59 |
Price to earnings Ratio - | 1Y Target Price 16.59 | ||
Volume (30-day avg) 16 | Beta 1.29 | 52 Weeks Range 8.20 - 21.31 | Updated Date 01/1/2026 |
52 Weeks Range 8.20 - 21.31 | Updated Date 01/1/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) -0.02 |
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 -0.42% | Operating Margin (TTM) 15.77% |
Management Effectiveness
Return on Assets (TTM) 0.83% | Return on Equity (TTM) -0.29% |
Valuation
Trailing PE - | Forward PE 18.62 | Enterprise Value 1368218356 | Price to Sales(TTM) 2.97 |
Enterprise Value 1368218356 | Price to Sales(TTM) 2.97 | ||
Enterprise Value to Revenue 2.69 | Enterprise Value to EBITDA 50.3 | Shares Outstanding 120253612 | Shares Floating 86424345 |
Shares Outstanding 120253612 | Shares Floating 86424345 | ||
Percent Insiders 3.39 | Percent Institutions 93.48 |
Upturn AI SWOT
Flywire Corp
Company Overview
History and Background
Flywire Corp. was founded in 2009 by Iftikar Ahmad, Richard Dale, and Mark Warren. Initially focused on simplifying international tuition payments for students, the company has since expanded its offerings to become a global payment and software solution provider for various industries. Key milestones include its IPO in March 2021 and significant expansion into new vertical markets.
Core Business Areas
- Education Solutions: Provides payment and financial processing solutions for educational institutions, enabling students to pay tuition, fees, and other expenses globally, and for institutions to manage these payments efficiently. This includes student loan repayment and financial aid management.
- Healthcare Solutions: Offers payment solutions for patients and healthcare providers, facilitating the payment of medical bills, deductibles, and co-pays. It aims to simplify the complex healthcare billing process and improve patient engagement.
- Travel Solutions: Enables travel and hospitality businesses to accept and process payments from international customers for bookings, tours, and other travel-related expenses. This segment helps reduce the complexity and cost of cross-border travel payments.
- B2B Solutions: Provides payment and receivables solutions for businesses to streamline their domestic and international payment processes, including invoicing, collections, and accounts payable management.
Leadership and Structure
Flywire is led by CEO Mike Massaro. The company operates with a divisional structure, aligning its core business areas to serve specific industry needs. The board of directors oversees the strategic direction and governance of the company.
Top Products and Market Share
Key Offerings
- Flywire Platform: A comprehensive payment processing platform that facilitates cross-border and domestic transactions across its various verticals. It offers features like currency conversion, reconciliation, and compliance. Market share data for specific products is not publicly disclosed, but the platform underpins all its solutions. Competitors include global payment processors, specialized industry solution providers, and banks.
- Student Payment Portal: A dedicated online portal for students and parents to manage and pay for educational expenses. This product is a cornerstone of their Education Solutions segment. Competitors include other EdTech payment providers and university-specific payment systems.
- Healthcare Payment Solutions: A suite of tools designed for healthcare providers to manage patient payments, including online payment portals, flexible payment plans, and integrated billing systems. Competitors include healthcare revenue cycle management companies and other payment processors.
- Travel Payment Gateway: A solution for travel companies to accept payments from global customers, offering dynamic currency conversion and fraud protection. Competitors include global travel payment processors and online travel agencies with integrated payment systems.
Market Dynamics
Industry Overview
Flywire operates in the rapidly evolving global payments and financial technology (FinTech) sector. This industry is characterized by increasing digitization, demand for seamless cross-border transactions, and the need for specialized solutions catering to specific vertical markets like education, healthcare, and travel. The rise of online commerce and global interconnectedness fuels the growth of payment processing services.
Positioning
Flywire is positioned as a specialized, end-to-end solution provider for complex payment needs across global markets. Its competitive advantage lies in its ability to tailor its platform to specific industry workflows, offering a high degree of localization, compliance, and customer support. The company focuses on simplifying complex payment processes for both businesses and consumers.
Total Addressable Market (TAM)
The total addressable market for global payment processing and financial solutions is vast, estimated to be in the trillions of dollars. Flywire targets specific segments within this, such as cross-border education payments, healthcare receivables, travel payments, and B2B international payments. The company is positioned to capture a significant share of these niche, high-value markets by offering specialized solutions that address unique pain points.
Upturn SWOT Analysis
Strengths
- Specialized industry solutions catering to specific vertical markets.
- Global payment network and expertise in cross-border transactions.
- Proprietary technology platform enabling scalability and customization.
- Strong customer relationships and high customer retention rates.
- Diversified revenue streams across multiple industries.
Weaknesses
- Reliance on partnerships and third-party payment networks.
- Potential for increased competition from FinTech disruptors and traditional financial institutions.
- Regulatory complexities and compliance challenges in different jurisdictions.
- Brand awareness may be lower compared to larger, more established payment companies.
Opportunities
- Expansion into new geographic markets and emerging economies.
- Further development and integration of AI and machine learning for enhanced services.
- Acquisition of complementary businesses to expand service offerings or market reach.
- Increasing adoption of digital payments across all industries.
- Growth in international student enrollment and global travel.
Threats
- Intensifying competition leading to pricing pressure.
- Changes in global economic conditions affecting travel and education spending.
- Cybersecurity threats and data breaches.
- Evolving regulatory landscapes that could impact payment processing.
- Disruption from new payment technologies or business models.
Competitors and Market Share
Key Competitors
- Worldpay (FIS) (US Stock Symbol: FIS)
- Adyen (US Stock Symbol: ADYEN.AS)
- Stripe (Private)
- PayPal Holdings Inc. (US Stock Symbol: PYPL)
- Global Payments Inc. (US Stock Symbol: GPN)
Competitive Landscape
Flywire's advantage lies in its specialized, vertical-specific solutions and deep integration within those industries, offering a more tailored experience than broad-based payment processors. However, it faces strong competition from established global payment giants and agile FinTech startups that may offer broader services or more aggressive pricing. Flywire's ability to navigate complex regulatory environments and maintain strong customer relationships is crucial for its competitive standing.
Growth Trajectory and Initiatives
Historical Growth: Flywire has experienced significant historical growth since its inception, driven by its expansion into new vertical markets and its successful penetration of existing ones. The company has consistently increased its transaction volumes and client base. This growth has been supported by strategic investments in technology and its global payment network.
Future Projections: Analyst projections generally indicate continued strong revenue growth for Flywire, supported by the increasing demand for digital and cross-border payment solutions in its core verticals. Expansion into new markets and the introduction of new product features are expected to further drive this trajectory. Profitability is anticipated to improve as the company scales.
Recent Initiatives: Recent initiatives have likely focused on expanding its B2B payment solutions, enhancing its healthcare offerings through partnerships, and continuing its international market expansion. Investments in data analytics and AI to improve customer experience and operational efficiency are also probable.
Summary
Flywire Corp is a robust player in the global payment solutions market, excelling through its specialized offerings in education, healthcare, and travel. Its strong growth trajectory is fueled by a scalable technology platform and strategic vertical focus. The company needs to remain vigilant against intense competition and evolving regulatory landscapes while continuing to innovate and expand its global reach.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company investor relations materials (e.g., SEC filings, earnings calls)
- Reputable financial news outlets and industry analysis reports
- Market research firms specializing in FinTech and payments
Disclaimers:
This analysis is based on publicly available information and is intended for informational purposes only. It does not constitute financial advice. Market share data and projections are estimates and may vary. Investors should conduct their own due diligence before making any investment decisions.
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 1382 | Website https://www.flywire.com |
Full time employees 1382 | 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.
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