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Upturn AI SWOT - About
FLYW 
Flywire Corp (FLYW)
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Upturn Advisory Summary
08/28/2025: 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 -7.94% | Avg. Invested days 36 | 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.61B USD | Price to earnings Ratio 263.2 | 1Y Target Price 14.55 |
Price to earnings Ratio 263.2 | 1Y Target Price 14.55 | ||
Volume (30-day avg) 16 | Beta 1.28 | 52 Weeks Range 8.20 - 23.40 | Updated Date 08/29/2025 |
52 Weeks Range 8.20 - 23.40 | Updated Date 08/29/2025 | ||
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 2025-08-05 | When - | Estimate -0.07 | Actual -0.1 |
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 263.2 | Forward PE 19.92 | Enterprise Value 1396790995 | Price to Sales(TTM) 2.98 |
Enterprise Value 1396790995 | Price to Sales(TTM) 2.98 | ||
Enterprise Value to Revenue 2.59 | Enterprise Value to EBITDA 48.47 | Shares Outstanding 120437000 | Shares Floating 90074222 |
Shares Outstanding 120437000 | Shares Floating 90074222 | ||
Percent Insiders 3.52 | Percent Institutions 88.35 |
Upturn AI SWOT
Flywire Corp
Company Overview
History and Background
Flywire Corp. was founded in 2011. Initially focused on international education payments, it has expanded its platform to serve various industries with complex payment needs.
Core Business Areas
- Education: Provides solutions for educational institutions to manage tuition and fee payments from international and domestic students.
- Healthcare: Offers payment solutions for healthcare providers to streamline patient billing and payment processes.
- Travel: Provides payment solutions for travel companies to manage payments from customers and suppliers.
- B2B: Offers payment solutions for businesses that need to manage cross-border or complex payments.
Leadership and Structure
Mike Massaro is the CEO of Flywire. The company has a typical corporate structure with departments for technology, sales, marketing, finance, and operations.
Top Products and Market Share
Key Offerings
- Global Payment Platform: A comprehensive platform that facilitates cross-border payments with compliance and security features. The competition includes Payoneer (PAYO), Remitly (RELY) and Wise (WISE). Specific market share data is difficult to determine, but Flywire is a significant player in its niche.
- Integrated Receivables: Solutions to automate and streamline accounts receivable processes for businesses. Competitors include Bill.com (BILL) and Tipalti.
- Payment Plans: Allows customers to pay in installments. Competitors include Affirm (AFRM) and Klarna.
Market Dynamics
Industry Overview
The global payments industry is experiencing rapid growth, driven by increasing globalization and the rise of e-commerce. The need for secure and efficient cross-border payment solutions is high.
Positioning
Flywire focuses on specific verticals with complex payment needs, differentiating itself through industry-specific solutions and expertise. Its competitive advantage lies in its integrated platform and deep understanding of vertical market requirements.
Total Addressable Market (TAM)
The TAM for global payments is estimated to be in the trillions of dollars. Flywire is well positioned to capture a growing share of this market by focusing on its target verticals.
Upturn SWOT Analysis
Strengths
- Industry-specific expertise
- Integrated platform
- Strong customer relationships
- Global reach
- Scalable technology
Weaknesses
- Relatively small market share compared to larger payment processors
- Reliance on specific verticals
- Exposure to currency exchange rate fluctuations
- Limited brand awareness compared to larger players
- Profitability still nascent
Opportunities
- Expanding into new verticals
- Acquiring complementary technologies or businesses
- Increasing penetration within existing customer base
- Partnering with other technology providers
- Leveraging data analytics to improve payment processes
Threats
- Increased competition from larger payment processors
- Changes in regulatory requirements
- Economic downturn affecting customer spending
- Cybersecurity threats
- Disruptive technologies
Competitors and Market Share
Key Competitors
- Payoneer (PAYO)
- Remitly (RELY)
- Wise (WISE)
Competitive Landscape
Flywire competes with both established payment processors and emerging fintech companies. Its industry-specific focus and integrated platform provide a competitive advantage, but it faces challenges from larger players with greater resources.
Major Acquisitions
Simplee
- Year: 2021
- Acquisition Price (USD millions): 0
- Strategic Rationale: Expand Flywire's presence in the healthcare sector and offer payment plans
Growth Trajectory and Initiatives
Historical Growth: Flywire has demonstrated strong revenue growth in recent years, driven by increasing adoption of its payment solutions and expansion into new verticals.
Future Projections: Analyst estimates vary, but generally project continued revenue growth for Flywire in the coming years, driven by favorable industry trends and the company's competitive positioning.
Recent Initiatives: Recent strategic initiatives include expanding into new markets, launching new products, and acquiring complementary businesses.
Summary
Flywire exhibits strong revenue growth potential due to its industry-specific focus and integrated platform, but it faces competition from larger payment processors. The company is strategically positioned to capitalize on the increasing demand for cross-border payments, but it needs to carefully manage its expenses and maintain profitability. Economic downturns and regulatory changes present risks. Overall, Flywire is a promising company in a growing market but needs to execute well to achieve its full potential.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is based on available information and is subject to change. It should not be considered investment 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.
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