Market Cap 1.70B
Revenue (ttm) 492.14M
Net Income (ttm) 2.90M
EPS (ttm) N/A
PE Ratio 276.80
Forward PE 85.74
Profit Margin 0.59%
Debt to Equity Ratio 0.08
Volume 1,330,300
Avg Vol 1,891,382
Day's Range N/A - N/A
Shares Out 122.31M
Stochastic %K 41%
Beta 1.29
Analysts Sell
Price Target $16.42

Company Profile

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 T...

Industry: Software - Infrastructure
Sector: Technology
Phone: 617 329 4524
Address:
141 Tremont Street, #10, Boston, United States
JarvisFlow
JarvisFlow Nov. 13 at 5:53 PM
Truist Securities updates rating for Flywire ( $FLYW ) to Buy, target set at 15 → 16.
0 · Reply
Traderdoggy
Traderdoggy Nov. 13 at 5:18 PM
$PSFE Why does this $465M mkt cap indebted no growth company have 38,000 watchers here when the likes of fast growth, net cash position, best in class software centric payments name $FLYW which is 4x the market cap - only has 450 watchers? Nuts.
0 · Reply
Traderdoggy
Traderdoggy Nov. 12 at 10:40 AM
$BILL $FOUR went through this 'exploring a sale' process and nothing came of it. $FLYW was said to be considering offers in August 2024 and nothing came of it. PE firms are not bidding high these days, which leaves larger public companies. That said the whole fintech space, including the likes of RELY, DLO, $PAYO and those above are likely going to get acquired sooner or later as the public markets don't treat them well. They all trade at half or a third of mature slower growing payments names on an ev/gp basis and the margin profile would ramp high in any deal. AvidXchange, Nuvei, Bottomline (more on that next) have all been sold in recent times (2-3 yrs). Makes sense they all sell given as the public markets just don;t trust these names according to their valuations.
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d_risk
d_risk Nov. 11 at 12:17 AM
$FLYW - Flywire Corporation Voting Common Stock - 10Q - Updated Risk Factors FLYW’s 10-Q risk factors for 2025 are significantly expanded: new sections detail operational, public company, and stock ownership risks; highlight revenue variability, scaling, and sector-specific challenges; add risks from AI, cyberattacks, marketable securities, and industry consolidation; and emphasize compliance, governance, and litigation exposures. #FinancialTechnology #RegulatoryCompliance #AIRisks #Cybersecurity #OperationalRisks 🟢 Added 🟠 Removed https://d-risk.ai/FLYW/10-Q/2025-11-10
0 · Reply
Traderdoggy
Traderdoggy Nov. 6 at 5:42 PM
$FLYW too lonely on this board gonna have to move offline, pretty clear that doing a ton of fundamental work means nothing these days, you don’t get paid for it much of the time.
0 · Reply
Traderdoggy
Traderdoggy Nov. 6 at 2:57 PM
$FLYW Company is being too conservative on the initial outlook for 2026 (and it is hurting shareholders so please be more balanced guys!). Their comment about 'mid single' headwind for 2026 makes zero sense esp as it relates mostly to the US. The US will be about 9-10% of revs in 2026 assuming a modest decline - but that doesn't give you a 'mid single' drag it's more like 1% or maybe 2% and that's if things are bad - I mean the US could rebound just as easily. They are assuming $30M drag per their initial comment on next year but that's almost half the US revenues (cross border only). Seriously it's one thing to be prudent but lets not go overboar. I mean what about the Sertifi synergies next year, what about the huge ramp in heathcare - why isn't the market focusing on that?
0 · Reply
Traderdoggy
Traderdoggy Nov. 6 at 10:35 AM
$FLYW The headline from Canada that they are cutting student visa numbers again going fwd may have been why the stock sold down post the healthy pop - but it's a red herring as per this report from Canadian consultants - the new cap for 2026 is 155,000 but in 2025 the visa count is already way below that. As these guys says no big revenue cut coming from this stuff. Company has yet to formally guide for 2026 and I'm thinking this CFO is ultra conservative and has left room for a better guide in February (although he'll remain cautious). These guys are back on track. https://higheredstrategy.com/wp-content/uploads/2025/11/2025-11-05-Budget-Commentary.pdf
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Traderdoggy
Traderdoggy Nov. 6 at 10:30 AM
$FLYW JPM has FLYW at an EV/EBITDA of 7.7x next year and 5.8x 2027. One point to make is that JPM has been low on the street and still is, they don't do any work on this name and will wait until it goes to $25 before upgrading. They have fully factored in the company's uber conservative assumption that 2026 revs will face a mid single digit headwind but if you do that math you'll see that is ridiculous sandbagging by cfo - if anything there will be a rebound in the US as student visa headlines go down but in any case regardless the valuation in relation to growth is way out of synch with logic and JPM seems behind the curve. The right valuation here is more like 25x, or even 15x would be a 2x. JPM forward ests post the 3Q25 qtr
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IN0V8
IN0V8 Nov. 6 at 5:18 AM
$FLYW Deutsche Bank raises target price to $15 from $12 Raymond James raises target price to $21 from $18 RBC raises target price to $18 from $17 UBS raises target price to $15.50 from $13.50
0 · Reply
Traderdoggy
Traderdoggy Nov. 5 at 11:53 PM
$FLYW Stock was well off the highs due primarily to news from Canada that they were slashing the student visa caps in 2026 - again! The headline reads bad - new plan shows visa caps down 65% from 2025 to 155,000 visas going fwd, but the reality is that its already this bad there so it won't result in a huge drop in FLYW Canada revs. In 2024 (which was already down a lot from 2023) there was 267,890 student visas issued, but in the 9m through August 2025 there was only 90,000 visas issued. It's likely that they won't get above 150,000 or so during the course of this cal year is my guess. Many of the visas being denied or reduced via caps tend to either be fraudulent and/or going to crappy low priced diploma mills that are one year courses costing not much and likely not using Flywire. That's why Flywire's Canadian revenues were down but not anything like the drop in visas this year. In any case the rev % for Canada now - it's only around 5% of total revs. False Alarm!
0 · Reply
Latest News on FLYW
Flywire Q3: Solid Execution Even As Headwinds Persist

Nov 13, 2025, 1:04 PM EST - 3 days ago

Flywire Q3: Solid Execution Even As Headwinds Persist


Flywire Corporation (FLYW) Q3 2025 Earnings Call Transcript

Nov 5, 2025, 12:56 AM EST - 12 days ago

Flywire Corporation (FLYW) Q3 2025 Earnings Call Transcript


Flywire Reports Third Quarter 2025 Financial Results

Nov 4, 2025, 4:02 PM EST - 12 days ago

Flywire Reports Third Quarter 2025 Financial Results


Flywire Appoints Nicole James as Chief People Officer

Nov 3, 2025, 9:00 AM EST - 13 days ago

Flywire Appoints Nicole James as Chief People Officer

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Flywire Q2: Profitability Stands Out Even As Growth Moderates

Aug 6, 2025, 1:18 PM EDT - 3 months ago

Flywire Q2: Profitability Stands Out Even As Growth Moderates


Flywire Corporation (FLYW) Q2 2025 Earnings Call Transcript

Aug 5, 2025, 9:31 PM EDT - 3 months ago

Flywire Corporation (FLYW) Q2 2025 Earnings Call Transcript


Flywire Reports Second Quarter 2025 Financial Results

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Flywire Reports Second Quarter 2025 Financial Results


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Flywire Corporation (FLYW) Q1 2025 Earnings Call Transcript

May 6, 2025, 11:00 PM EDT - 6 months ago

Flywire Corporation (FLYW) Q1 2025 Earnings Call Transcript


Flywire Reports First Quarter 2025 Financial Results

May 6, 2025, 4:05 PM EDT - 6 months ago

Flywire Reports First Quarter 2025 Financial Results


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JarvisFlow
JarvisFlow Nov. 13 at 5:53 PM
Truist Securities updates rating for Flywire ( $FLYW ) to Buy, target set at 15 → 16.
0 · Reply
Traderdoggy
Traderdoggy Nov. 13 at 5:18 PM
$PSFE Why does this $465M mkt cap indebted no growth company have 38,000 watchers here when the likes of fast growth, net cash position, best in class software centric payments name $FLYW which is 4x the market cap - only has 450 watchers? Nuts.
0 · Reply
Traderdoggy
Traderdoggy Nov. 12 at 10:40 AM
$BILL $FOUR went through this 'exploring a sale' process and nothing came of it. $FLYW was said to be considering offers in August 2024 and nothing came of it. PE firms are not bidding high these days, which leaves larger public companies. That said the whole fintech space, including the likes of RELY, DLO, $PAYO and those above are likely going to get acquired sooner or later as the public markets don't treat them well. They all trade at half or a third of mature slower growing payments names on an ev/gp basis and the margin profile would ramp high in any deal. AvidXchange, Nuvei, Bottomline (more on that next) have all been sold in recent times (2-3 yrs). Makes sense they all sell given as the public markets just don;t trust these names according to their valuations.
0 · Reply
d_risk
d_risk Nov. 11 at 12:17 AM
$FLYW - Flywire Corporation Voting Common Stock - 10Q - Updated Risk Factors FLYW’s 10-Q risk factors for 2025 are significantly expanded: new sections detail operational, public company, and stock ownership risks; highlight revenue variability, scaling, and sector-specific challenges; add risks from AI, cyberattacks, marketable securities, and industry consolidation; and emphasize compliance, governance, and litigation exposures. #FinancialTechnology #RegulatoryCompliance #AIRisks #Cybersecurity #OperationalRisks 🟢 Added 🟠 Removed https://d-risk.ai/FLYW/10-Q/2025-11-10
0 · Reply
Traderdoggy
Traderdoggy Nov. 6 at 5:42 PM
$FLYW too lonely on this board gonna have to move offline, pretty clear that doing a ton of fundamental work means nothing these days, you don’t get paid for it much of the time.
0 · Reply
Traderdoggy
Traderdoggy Nov. 6 at 2:57 PM
$FLYW Company is being too conservative on the initial outlook for 2026 (and it is hurting shareholders so please be more balanced guys!). Their comment about 'mid single' headwind for 2026 makes zero sense esp as it relates mostly to the US. The US will be about 9-10% of revs in 2026 assuming a modest decline - but that doesn't give you a 'mid single' drag it's more like 1% or maybe 2% and that's if things are bad - I mean the US could rebound just as easily. They are assuming $30M drag per their initial comment on next year but that's almost half the US revenues (cross border only). Seriously it's one thing to be prudent but lets not go overboar. I mean what about the Sertifi synergies next year, what about the huge ramp in heathcare - why isn't the market focusing on that?
0 · Reply
Traderdoggy
Traderdoggy Nov. 6 at 10:35 AM
$FLYW The headline from Canada that they are cutting student visa numbers again going fwd may have been why the stock sold down post the healthy pop - but it's a red herring as per this report from Canadian consultants - the new cap for 2026 is 155,000 but in 2025 the visa count is already way below that. As these guys says no big revenue cut coming from this stuff. Company has yet to formally guide for 2026 and I'm thinking this CFO is ultra conservative and has left room for a better guide in February (although he'll remain cautious). These guys are back on track. https://higheredstrategy.com/wp-content/uploads/2025/11/2025-11-05-Budget-Commentary.pdf
0 · Reply
Traderdoggy
Traderdoggy Nov. 6 at 10:30 AM
$FLYW JPM has FLYW at an EV/EBITDA of 7.7x next year and 5.8x 2027. One point to make is that JPM has been low on the street and still is, they don't do any work on this name and will wait until it goes to $25 before upgrading. They have fully factored in the company's uber conservative assumption that 2026 revs will face a mid single digit headwind but if you do that math you'll see that is ridiculous sandbagging by cfo - if anything there will be a rebound in the US as student visa headlines go down but in any case regardless the valuation in relation to growth is way out of synch with logic and JPM seems behind the curve. The right valuation here is more like 25x, or even 15x would be a 2x. JPM forward ests post the 3Q25 qtr
0 · Reply
IN0V8
IN0V8 Nov. 6 at 5:18 AM
$FLYW Deutsche Bank raises target price to $15 from $12 Raymond James raises target price to $21 from $18 RBC raises target price to $18 from $17 UBS raises target price to $15.50 from $13.50
0 · Reply
Traderdoggy
Traderdoggy Nov. 5 at 11:53 PM
$FLYW Stock was well off the highs due primarily to news from Canada that they were slashing the student visa caps in 2026 - again! The headline reads bad - new plan shows visa caps down 65% from 2025 to 155,000 visas going fwd, but the reality is that its already this bad there so it won't result in a huge drop in FLYW Canada revs. In 2024 (which was already down a lot from 2023) there was 267,890 student visas issued, but in the 9m through August 2025 there was only 90,000 visas issued. It's likely that they won't get above 150,000 or so during the course of this cal year is my guess. Many of the visas being denied or reduced via caps tend to either be fraudulent and/or going to crappy low priced diploma mills that are one year courses costing not much and likely not using Flywire. That's why Flywire's Canadian revenues were down but not anything like the drop in visas this year. In any case the rev % for Canada now - it's only around 5% of total revs. False Alarm!
0 · Reply
JarvisFlow
JarvisFlow Nov. 5 at 11:19 PM
UBS has adjusted their stance on Flywire ( $FLYW ), setting the rating to Neutral with a target price of 13.5 → 15.5.
0 · Reply
erevnon
erevnon Nov. 5 at 7:25 PM
Goldman Sachs maintains Flywire $FLYW at Neutral and raises the price target from $14 to https://marketsblock.com/stock-upgrades-and-downgrades/
0 · Reply
JarvisFlow
JarvisFlow Nov. 5 at 4:52 PM
Goldman Sachs has adjusted their stance on Flywire ( $FLYW ), setting the rating to Neutral with a target price of 14 → 16.
0 · Reply
Mula_Win
Mula_Win Nov. 5 at 3:35 PM
$FLYW Will Soon find his Dad $PYPL Billion Home
0 · Reply
Traderdoggy
Traderdoggy Nov. 5 at 3:20 PM
$FLYW Crazy that it's down after a 4% increase in rev guide. The only thing of note here in that they expect continued headwinds into 2026 - but mid single digits. I already have that in numbers and its hard to get more than a couple of percent drag and with Sertifi synergies and healthcare ramp coming on stream their core growth will be quite high - so well ahead of con (by 10% although they won't guide for that). They are guiding very prudently in their own terms. Company didn't add any new disclosures either so some people continue to be confused perhaps. But jeez 18% organic growth and people are complaining.
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Traderdoggy
Traderdoggy Nov. 5 at 12:13 AM
$FLYW At 15 bucks this stock is only trading at 7-8x ev/ebitda for 2027 and it's proving itself as a 20-25% organic grower normalized for these temporary student visa headwinds that are now over the worst. Should be trading at about 25x - that's a potential triple over the next year or so. Getting to 12x would yield 23 bucks and that's pretty much guaranteed to happen in my rational eyes - likely pretty soon.
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Traderdoggy
Traderdoggy Nov. 4 at 11:58 PM
$FLYW Solid call. Great growth and execution, the fact that they have powered through the student visa headwinds this year should be rewarded handsomely in coming weeks as the stock is very obviously mispriced given the resiliency and fast organic growth regardless. They are being very conservative as regards the initial 2026 outlook - my first blush update to revenue model remains 10-11% above consensus. They talk about a mid single digits headwind to 2026 as the impacts of 2025 runs through to 2026 in terms of lower students but let me tell you it's them being prudent. Fact is that the drag is 2% per my numbers not mid single - but the overall growth is still 23% organic next year and that's after adding the extra 4% to 2025 growth per the new guide. I listened to the 3Q24 call and they were bullish only to have to lower the guide in 4Q so they are ultra prudent these days. Fact is that they are going to grow super fast next year and the stock could easily double in next 6m.
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AStrokeOfLuck
AStrokeOfLuck Nov. 4 at 9:50 PM
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Traderdoggy
Traderdoggy Nov. 4 at 9:26 PM
$FLYW So they came in at $194 m so beat my revs slightly (this is rev less ancill serv which is what matters). Think they peg that organic at 17.8% - pretty damn good in a year with headwinds - imagine what next year will bring when the Sertifi synergies start kicking into high gear. And this is a stock trading at 3.5x ev/gp when $PAY is nearer 12x. Plus all those number you see for 2026 are at least 10% low for top line, and ebitda is also low albeit depends how much they invest but still with 35-40% incremental margins all that extra revenue comes on quite profitably.
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anoynmous99
anoynmous99 Nov. 4 at 9:05 PM
$FLYW Still cheap.
1 · Reply
Traderdoggy
Traderdoggy Nov. 4 at 3:34 PM
$FLYW Looking for a beat of a conservative guide here but things which could really help should they comment are: 1. Initial look into 2026 suggesting that consensus rev # is way too low (it is, by around 10%, simple math which the sell side has not even attempted). 2. They have been talking about being excited about Sertifi rev synergies but these are not in the consensus. So maybe they get more detailed about timing of these as it's a source of organic growth for the next few years. 3. Disclosure - maybe they break out the segments more as then the sell side would be able to do better models and they would know that their 2026 is too low. 4. Such a breakout as 3 would also show that the exposure to the US (international students only) is down to around 9% next year - even if Trump remains erratic it is less impactful). 5. Will they declare that they are through the worst in terms of visa headwinds. That would be a good headline and in fact the numbers say it's true.
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Traderdoggy
Traderdoggy Nov. 3 at 2:43 PM
$FLYW not sure you would a line like this in your press release this morning (new HR boss) the day before earnings “I am excited to build on Flywire’s incredible momentum” unless you were going to exhibit this “incredible momentum” in the results?
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