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Upturn AI SWOT - About
Flywire Corp (FLYW)
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Upturn Advisory Summary
06/30/2025: 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
Well-followed company, solid analyst reports, reliable data for confident investing.
1 Year Target Price $13.5
1 Year Target Price $13.5
| 4 | Strong Buy |
| 2 | Buy |
| 9 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -2% | 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 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.39B USD | Price to earnings Ratio 285.25 | 1Y Target Price 13.5 |
Price to earnings Ratio 285.25 | 1Y Target Price 13.5 | ||
Volume (30-day avg) 16 | Beta 1.27 | 52 Weeks Range 8.20 - 23.40 | Updated Date 06/30/2025 |
52 Weeks Range 8.20 - 23.40 | Updated Date 06/30/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.04 |
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 2025-06-04 | When Before Market | Estimate 0.1185 | Actual 0.013 |
Profitability
Profit Margin 0.97% | Operating Margin (TTM) -0.74% |
Management Effectiveness
Return on Assets (TTM) -0.1% | Return on Equity (TTM) 0.63% |
Valuation
Trailing PE 285.25 | Forward PE 18.66 | Enterprise Value 1193826495 | Price to Sales(TTM) 2.71 |
Enterprise Value 1193826495 | Price to Sales(TTM) 2.71 | ||
Enterprise Value to Revenue 2.33 | Enterprise Value to EBITDA 56.46 | Shares Outstanding 119685000 | Shares Floating 93874647 |
Shares Outstanding 119685000 | Shares Floating 93874647 | ||
Percent Insiders 3.55 | Percent Institutions 91.59 |
Analyst Ratings
Rating 4 | Target Price 13.5 | Buy 2 | Strong Buy 4 |
Buy 2 | Strong Buy 4 | ||
Hold 9 | Sell 1 | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Flywire Corp
Company Overview
History and Background
Flywire was founded in 2011 by Iker Marcaide, originally as peerTransfer, to streamline international tuition payments for students. It evolved to become Flywire, expanding its services to various industries, including healthcare and travel. It went public in May 2021.
Core Business Areas
- Education: Facilitates international tuition payments for students, providing a secure and streamlined process.
- Healthcare: Offers payment solutions for healthcare providers to manage international patient payments and collections.
- Travel: Provides payment solutions for travel companies and their customers, enabling secure and efficient cross-border transactions.
- Business-to-Business (B2B): Payment solutions for business to business transactions.
Leadership and Structure
Mike Massaro is the CEO. The company has a typical corporate structure with departments focusing on sales, marketing, technology, finance, and operations.
Top Products and Market Share
Key Offerings
- Global Payment Platform: A cloud-based platform that allows institutions and businesses to accept and process payments from customers worldwide. The platform handles currency conversion, compliance, and reconciliation. Competitors include Remitly, Wise, Payoneer and other fintech payment platforms. Market share of this is embedded in total Market Share below.
- Payment Plans: Flywire provides payment plan options for education and healthcare, allowing customers to pay in installments. Competitors include Nelnet and Sallie Mae for Education and Epic and Cerner in Healthcare. Market share of this is embedded in total Market Share below.
- Cross-Border Payments: Solutions for businesses to manage cross-border payments, including compliance, reporting, and reconciliation. Competitors include Wise, Payoneer, OFX, WorldRemit, Xoom, and other firms offering international money transfers. Market share of this is embedded in total Market Share below.
Market Dynamics
Industry Overview
The global payments industry is experiencing significant growth due to increasing globalization, e-commerce, and digital transformation. The cross-border payments segment is particularly dynamic, with new technologies and regulations shaping the landscape.
Positioning
Flywire positions itself as a specialized provider of complex, high-value payments, particularly in education, healthcare, and travel. Its competitive advantages include its tailored solutions, compliance expertise, and global reach.
Total Addressable Market (TAM)
The total addressable market is estimated to be hundreds of billions of dollars, encompassing cross-border payments in the education, healthcare, and travel sectors. Flywire is focused on capturing a larger share of this market through expansion into new verticals and geographies.
Upturn SWOT Analysis
Strengths
- Specialized expertise in education, healthcare, and travel payments
- Global payment network
- Strong compliance infrastructure
- Cloud-based platform
- Recurring revenue model
Weaknesses
- Reliance on specific industries
- Vulnerability to currency fluctuations
- Intense competition in the payments space
- Profitability not yet fully established.
- Dependence on banking partners.
Opportunities
- Expansion into new verticals
- Geographic expansion
- Strategic acquisitions
- Partnerships with institutions and businesses
- Adoption of new payment technologies
Threats
- Regulatory changes in the payments industry
- Increased competition from established players and startups
- Economic downturns impacting travel and education
- Cybersecurity threats
- Fluctuations in exchange rates
Competitors and Market Share
Key Competitors
- ADYEY
- WPM
- PAYX
- GPN
Competitive Landscape
Flywire differentiates itself through its industry-specific focus and global reach. However, it faces intense competition from larger, more established payment processors with broader service offerings. Flywire's specialization provides a competitive edge in its target markets.
Major Acquisitions
Simplee
- Year: 2020
- Acquisition Price (USD millions):
- Strategic Rationale: Expanded Flywire's presence in the healthcare payments market.
Growth Trajectory and Initiatives
Historical Growth: Historical Growth data will be provided if available for past years.
Future Projections: Future Projection data will be provided if available for past years.
Recent Initiatives: Recent strategic initiatives will be provided if available.
Summary
Flywire is a specialized payment processor focused on education, healthcare, and travel. It is growing well in these targeted segments. The company needs to navigate a competitive landscape and adapt to changing regulations. While Flywire's niche focus provides an advantage, it must manage the risk of relying on specific industries and establish more consistent profitability.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions are subject to change, and actual results may vary.
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.
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