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FLYW 
Flywire Corp (FLYW)
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Upturn Advisory Summary
12/02/2025: 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 -10.66% | Avg. Invested days 38 | 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 12/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.69B 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 - 22.73 | Updated Date 12/2/2025 |
52 Weeks Range 8.20 - 22.73 | Updated Date 12/2/2025 | ||
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 2025-11-04 | When - | Estimate 0.19 | Actual 0.23 |
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 18.66 | Enterprise Value 1323031391 | Price to Sales(TTM) 2.89 |
Enterprise Value 1323031391 | Price to Sales(TTM) 2.89 | ||
Enterprise Value to Revenue 2.31 | Enterprise Value to EBITDA 40.79 | Shares Outstanding 120253612 | Shares Floating 86489072 |
Shares Outstanding 120253612 | Shares Floating 86489072 | ||
Percent Insiders 3.46 | Percent Institutions 93.75 |
Upturn AI SWOT
Flywire Corp
Company Overview
History and Background
Flywire was founded in 2011, initially as peerTransfer, focusing on international student payments. It evolved into a global payments enablement and software company, expanding its services to other industries like healthcare and travel.
Core Business Areas
- Education: Enables institutions to streamline and manage international tuition payments and related services.
- Healthcare: Facilitates complex medical payments, including insurance processing and patient billing.
- Travel: Offers payment solutions for travel-related expenses, catering to both consumers and businesses.
- B2B: B2B payment solutions that support both accounts payable and accounts receivable. The solution centralizes the invoicing and payment experience for global companies.
Leadership and Structure
Mike Massaro is the CEO. The company has a typical corporate structure with departments like Sales, Marketing, Finance, Technology, and Operations, reporting to the executive team.
Top Products and Market Share
Key Offerings
- Global Payment Solutions for Education: Streamlines international tuition payments. While specific market share data is difficult to obtain precisely, Flywire is considered a leading player in this segment. Competitors include Western Union Business Solutions and Remitly.
- Healthcare Payment Solutions: Offers payment processing and patient billing services for healthcare providers. The company is gaining traction in this market, but market share data is not readily available. Competitors include InstaMed (part of JP Morgan Chase) and Waystar.
- Travel Payment Solutions: Provides payment solutions for travel companies and their customers. Market share data is fragmented. Competitors include traditional payment processors and specialized travel payment platforms. Key product is rooming lists.
- B2B Payment Solutions: B2B accounts payable and accounts receivable solution that centralizes the invoicing and payment experience for global companies. Competitors include Bill.com, Coupa, and AvidXchange.
Market Dynamics
Industry Overview
The global payments industry is experiencing significant growth, driven by increasing cross-border transactions, digital transformation, and the rise of e-commerce. There's a growing demand for specialized payment solutions tailored to specific industries.
Positioning
Flywire is positioned as a vertical-specific payment enablement and software company, differentiating itself through tailored solutions for education, healthcare, travel, and B2B. Its focus on complex, high-value payments provides a competitive advantage.
Total Addressable Market (TAM)
Flywire estimated their TAM to be approximately $141 billion, which includes their key verticals. Flywire is positioned to capture a portion of this TAM by providing specialized solutions and expanding its customer base.
Upturn SWOT Analysis
Strengths
- Specialized solutions for specific verticals
- Global payment network
- Strong customer relationships
- Scalable platform
- High customer retention rates
Weaknesses
- Reliance on specific industries
- Relatively smaller size compared to larger payment processors
- Market penetration in some sectors still developing
Opportunities
- Expansion into new verticals
- Partnerships with complementary businesses
- Increased adoption of digital payments
- Growing demand for cross-border payment solutions
- Further developing their B2B product
Threats
- Intense competition in the payments industry
- Regulatory changes
- Cybersecurity risks
- Economic downturns affecting key industries
- Emergence of disruptive payment technologies
Competitors and Market Share
Key Competitors
- WUBS
- ADYEY
- BILL
Competitive Landscape
Flywire's competitive advantage lies in its vertical-specific solutions and global payment network. It faces competition from larger payment processors and specialized fintech companies.
Major Acquisitions
Simplee
- Year: 2020
- Acquisition Price (USD millions): 72
- Strategic Rationale: Expanded Flywire's healthcare payment solutions.
WPM
- Year: 2019
- Acquisition Price (USD millions): 0
- Strategic Rationale: Flywire acquired WPM to expand its global reach and enhance its payment processing capabilities in the education sector.
Growth Trajectory and Initiatives
Historical Growth: Flywire has experienced significant revenue growth over the past years, driven by expansion in its key verticals and strategic acquisitions.
Future Projections: Analysts project continued revenue growth for Flywire, driven by market expansion and increasing adoption of its payment solutions. Revenue growth is expected in the mid-teens percentage range.
Recent Initiatives: Recent initiatives include expanding into new markets and expanding its B2B Payment solutions.
Summary
Flywire is a strong player in the vertical-specific payment solutions market, particularly in education, healthcare, and travel, showing substantial revenue growth. While the company still operates at a loss, profitability appears to be improving. Flywire needs to be mindful of the competitive landscape and economic factors impacting the industries it serves, while continuing to leverage partnerships to expand its reach.
Similar Stocks
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Investor Presentations
- Analyst Reports
- Company Website
Disclaimers:
This analysis is based on publicly available information and does not constitute financial advice. Market conditions and company performance are subject to change.
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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