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Upturn AI Summary - About
Flywire Corp(FLYW)
Advisory History & Simulated Performance *
*as per simulation (see disclosures)- ALL
- 1Y
- 1M
- 1W
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- PASS (Skip)
Stock price based on last close Advisory Performance History (Simulated)
Upturn Advisory & Investor View for FLYW
11/04/2026: FLYW (2-star) has a low Upturn Star Rating. Not recommended to BUY.
Flywire Corp is a global fintech company specializing in software-enabled payment solutions for industries with complex billing needs, such as education, healthcare, and travel. The firm has a leading position in these verticals, known for its robust cross-border payment infrastructure and high client retention. Its primary growth story revolves around expanding its platform into new B2B markets and increasing the value-add features it offers existing clients. However, investors should monitor risks such as vertical concentration, intense competition from large processors, and potential regulatory shifts. Flywire is best suited for growth-oriented investors who are willing to accept the volatility inherent in scaling fintech platforms, as the company remains focused on reinvesting for long-term expansion.
How to Read the Upturn Advisory
The Upturn Star Rating and the current BUY, SELL, or PASS advisory are generated by Upturn’s AI advisory engine based on proprietary signal analysis, price behavior, advisory history, and historical signal performance.
Company fundamentals, valuation, risks, and news provide supporting context about the business.
Investor Fit
| Investor style | Fit | Why |
|---|---|---|
| Growth investor | Strong fit | Flywire operates in large, under-digitized markets with consistent double-digit revenue growth. |
| Momentum investor | Mixed fit | Performance is conditional on market sentiment toward fintech growth stocks and successful execution of growth milestones. |
| Value investor | Weak fit | The company is currently priced for growth rather than traditional value metrics. |
| Dividend investor | Weak fit | The company does not pay dividends and focuses entirely on growth reinvestment. |
| Low-risk investor | Weak fit | As a growth-oriented fintech, the stock exhibits higher volatility typical of the sector. |
Risk Profile
| Risk factor | Level | Why it matters |
|---|---|---|
| Price volatility | Medium / high | Growth-stage fintech stocks are susceptible to rapid price swings based on market sentiment. |
| Valuation risk | Medium | High expectations for future growth are already embedded in the share price. |
| Competition risk (fintech payments) | Medium | Intense competition from well-capitalized incumbents could pressure margins. |
| Business quality | Medium | The business model is strong, but relies on sustaining high-value client relationships in complex verticals. |
| Dividend income | Low / none | Investors should expect no income, only potential capital appreciation. |
| Execution risk | Medium | Successfully scaling across diverse geographies and verticals requires consistent execution. |
Price Behavior
Strong Uptrend
The stock has maintained a strong upward price trend across the last three quarters.
Moderately Choppy
The stock has experienced noticeable price swings while retaining some directional structure.
Analysis of Past Performance
Type Stock | Historic Profit -1.39% | Avg. Invested days 33 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Advisory Rating  | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 11/04/2026 |
Upturn Scorecard
Upturn Star Rating 
Company Fundamentals
Financial Health Rating
Growth Momentum Score
Ownership
Top 5 Institutional Investors
Unit Economics (Per $1K Revenue)
Economic Dimensions
Quantitative Style Profile
Style Classification
Quality Focused
Key Highlights
Company Size Mid-Cap Stock | Market Capitalization 2.37B USD | Price to earnings Ratio 31.39 | 1Y Target Price 21.21 |
Price to earnings Ratio 31.39 | 1Y Target Price 21.21 | ||
Volume (30-day avg) 1.6M shares | Beta 1.3 | 52 Weeks Range 10.55 - 22.17 | Updated Date 11/04/2026 |
52 Weeks Range 10.55 - 22.17 | Updated Date 11/04/2026 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.61 |
How Company Makes Money
| Business area | What it includes | Retail investor read |
|---|---|---|
| Transaction Revenue | Fees generated from processing payments, often including cross-border FX fees. | Most of their revenue comes from every payment processed through their platform. |
| Software/Platform Fees | Subscription or implementation fees for their payment software. | They charge recurring fees for the software that institutions use to manage their billing. |
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 2026-11-03 | When After Market | Estimate 0.32 | Actual 0.57 |
Profitability
Profit Margin 4.77% | Operating Margin (TTM) -1.35% |
Management Effectiveness
Return on Assets (TTM) 2.18% | Return on Equity (TTM) 4.23% |
Valuation
Trailing PE 31.39 | Forward PE 21.55 | Enterprise Value 2.12B | Price to Sales(TTM) 3.32 |
Enterprise Value 2.12B | Price to Sales(TTM) 3.32 | ||
Enterprise Value to Revenue 2.97 | Enterprise Value to EBITDA 29.28 | Shares Outstanding 121.67M | Shares Floating 96.51M |
Shares Outstanding 121.67M | Shares Floating 96.51M | ||
Percent Insiders 3.14 | Percent Institutions 109.53 |
Financial Metrics
🧭 Investment Snapshot
Total Revenue (Scale)
Total money earned from selling products or services before any costs. It is needed to understand the scale of the business and its ability to generate income.
Net Income (Profit)
Final profit after all expenses, interest, and taxes are deducted. It is needed to determine the overall profitability available to shareholders.
Free Cash Flow (Cash Strength)
Cash remaining after operating activities and capital expenditures, showing cash available for growth. It is needed to evaluate the company’s ability to invest, pay dividends, or reduce debt.
📈 Growth & Strength
Operating Income (Core Profit)
Profit from core operations after deducting all operating expenses. It is needed to measure how efficiently the company runs its primary business activities.
EBITDA (Cash Earnings)
Earnings before interest, taxes, depreciation, and amortization, indicating operating cash potential. It is needed to compare operating performance across companies without accounting or financing differences.
Gross Profit (Unit Profitability)
Revenue minus cost of revenue, showing profit after direct production costs. It is needed to evaluate core business profitability before overhead expenses.
🛡️ Financial Safety
Cash (Liquidity Buffer)
Total cash and cash equivalents on hand. It is needed to evaluate immediate liquidity and financial flexibility.
Total Debt (Leverage Risk)
Total debt including both short-term and long-term components. It is needed to assess the company’s leverage and financial risk.
Net Working Capital (Short-Term Health)
Current assets minus current liabilities, indicating short-term liquidity strength. It is needed to assess whether the company can meet its short-term obligations.
🧱 Balance Sheet Strength
Stockholder Equity (Net Worth)
Total equity value held by shareholders. It is needed to understand the net worth of the company from the owners’ perspective.
Total Assets (Asset Base)
The full value of everything the company owns, including cash, inventory, equipment, and investments. It is needed to understand the resource base used to generate revenue.
Income Before Tax (Pre-Tax Earnings)
Income before provision for income taxes. It is needed to analyze profitability independent of tax structures.
⚙️ Cost & Drag Factors
Cost of Revenue (Production Cost)
Direct costs required to produce and deliver the products or services sold. It is needed to assess efficiency in production and service delivery.
Total Operating Expenses (Operating Cost)
Indirect costs of running the business such as salaries, marketing, and administration. It is needed to understand how much it costs to sustain ongoing business operations.
Income Tax Expense (Tax Drag)
Amount of taxes paid or payable to the government. It is needed to evaluate the impact of taxation on overall profitability.
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