FLYW

Strong BuyPremium GrowerAI neutral

Flywire Corporation · Technology · United States · $1.7B cap · $26.0M/day traded

$19.40 +1.3% · close 23 Oct · scored 24 Oct

Premium Grower: Strong business with the market behind it, priced at a premium.

85
StockRank
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Report expected 3 Nov: the next-year EPS estimate has risen 8.6% over the last 14 weeks.

Quality
60
Value
41
Momentum
82

As of 24 Oct 2026, MoatMap's StockRank for Flywire Corporation (FLYW) is 85/100, ranked against 24,000+ stocks in 35 markets (Quality 60, Value 41, Momentum 82, each scored against its sector).

Does StockRank work? Each month we publish how every decile did, whichever way it went. See the record →

P/E (TTM)
74.6x
peers 32.6x
ROE
4.2%
peers 4.7%
D/E
0.0x
peers 0.3x
Dividend %
—
trailing yield
AI CONVICTION THESIS

Flywire runs a payments and software platform for international education, healthcare and travel, continues to win clients such as Davidson Hospitality and is buying back shares. Its core education business faces pressure from tighter student visa policies in major destination countries, and insiders sold $17 million of stock in the last 90 days.

ABOUT FLYWIRE CORPORATION

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Flywire Corporation is a global payments enablement and software company specializing in streamlining complex, high-value payments across industries like education, healthcare, and travel. Its competitive advantage lies in its proprietary global payments network, deep vertical market expertise, and integrated software solutions that simplify international transactions and enhance financial operations. Flywire is a leading niche player in cross-border payment processing, offering comprehensive and compliant solutions.

FINANCIAL SUMMARY (USD)

Year2022202320242025CAGRTTM2026E2027EFwd CAGR
Revenue289.4M403.1M492.1M623.0M29.1%713.5M785.9M905.8M20.6%
EPS-0.36-0.070.020.11450.0%0.26———
Shares109.3M122.6M124.1M122.0M+11.5%121.7M———
Debt1.8M1.5M1.7M1.3M-9.4%1.5M———
Equity481.9M786.1M814.8M835.2M20.1%————
Op CF5.4M76.3M98.7M100.2M164.3%166.3M———
Inv CF-24.7M-38.8M-214.0M-194.2M—————
Fin CF-24.0M263.4M-37.6M-78.4M—————
Loading 1Y...
PRICE (1Y) · USD+7.2%
16.917.518.118.819.414 Sep5 Oct23 Oct
SMA 50SMA 200

Price checkIn an uptrendExperimental

Above its 200-day average and 2% below its 52-week high.

SwingsBumpy

Swung more than 59% of stocks we rank over the past year (47% a year).

How this is worked out

StockRank judges the business. The price check reads only the chart: it is the price side of the Momentum score, in words.

The rules: Still falling is a new 52-week low in the last two weeks, at least 25% below the high. Finding a floor is no new low since. Turning up is 20 or more trading days without a new low, at least 10% off it, and back above a rising 50-day average. In an uptrend is above the 200-day average and within 15% of the high.

In 2,112 US drawdowns since 2001, buying while the price was still falling was followed by a further 20% drop 42% of the time. Waiting for a turn like this one cut that to 33%, at about 7% higher prices and with no better returns. Part of that cut is simply not buying: 13% of falls never turned, and waiting kept those out. Among turns that were bought, 38% still fell another 20%, and 33% of turns were followed by a new low within six months. The benefit was largest in crashes such as 2008 and 2020.

What it measures: day-to-day price moves over the past year, as a yearly figure, ranked against every stock we cover. Very calm under 20% a year, Calm 20 to 30%, Average 30 to 40%, Bumpy 40 to 55%, Very bumpy above that.

What we found: across about 13,500 stocks in 34 markets (2002 to 2025), past swings were a good guide to the next year's, and bumpier stocks fell further. How much further changed too much between eras to put a number on it.

Calm is not safe: a calm stock can still slide steadily.

Rules fixed before any data was fetched. Describes the chart, not a recommendation.

Close
$19.40
RSI (14)
62.0
52-Week Range-1.7% from high
Low $10.55High $19.73

SCORE BREAKDOWN

Quality
60
ROIC
5.1%40.1
ROE
4.2%37.4
GP/Assets
33.9%73.4
Op. Margin
-1.4%23.8
FCF/Assets
12.3%84.1
Piotroski
671.6
Int. Cover
18.4x57.0
D/E Ratio
0.00x94.0
Current Ratio
1.52x32.9
Value
41
P/E (TTM)
74.6x18.5
EV/EBITDA
32.6x29.5
P/FCF
11.3x72.3
P/B
2.9x54.4
P/S
3.4x46.2
Div Yield
—N/A
Momentum
82
52W High %
98%98.0
RS 6M
36%85.8
SMA 50/200
1.18x84.0
EPS Rev 4W
+1.2%88.9
EPS Rev 12W
+8.6%81.8
EPS Improve
+424%91.2
Q Growth
—N/A

FUNDAMENTALS

Market Cap
$1.7B
P/E (Forward)
14.2x
Gross Margin
59.6%

SECTOR PEERS

Closest peers in Technology, ranked by industry match, size, and score similarity. Cross-listings of FLYW are excluded.

TickerCompanyMkt CapStockRankSignal
FLYWFlywire Corporation(you)$1.7B85Strong Buy
EVTCEVERTEC, Inc.$1.9B83Strong Buy
PAYOPayoneer Global Inc.$2.4B78Buy
EEFTEuronet Worldwide, Inc.$2.5B78Buy
AVP.SIAvePoint, Inc.$3.4B86Strong Buy
PRGSProgress Software Corporation$1.9B98Strong Buy
GCTGigaCloud Technology Inc.$2.1B96Strong Buy
NTCTNetScout Systems, Inc.$2.9B90Strong Buy
RPDRapid7, Inc.$1.0B80Strong Buy
PGYPagaya Technologies Ltd.$1.6B99Strong Buy

Peer medians: ROE 4.7% · P/E 32.6x · Gross margin 52.1%

Company Deep Dive

Business segments breakdown, earnings transcript analysis, management credibility scoring, competitive landscape, and scenario modelling.

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Flywire Corporation (FLYW): Stock Score Summary

Flywire Corporation (FLYW) has a MoatMap StockRank of 85/100 based on Quality (60/100), Value (41/100), and Momentum (82/100) factor scores. The current signal is STRONG BUY. Flywire runs a payments and software platform for international education, healthcare and travel, continues to win clients such as Davidson Hospitality and is buying back shares. Its core education business faces pressure from tighter student visa policies in major destination countries, and insiders sold $17 million of stock in the last 90 days.

Flywire Corporation is a global payments enablement and software company specializing in streamlining complex, high-value payments across industries like education, healthcare, and travel. Its competitive advantage lies in its proprietary global payments network, deep vertical market expertise, and integrated software solutions that simplify international transactions and enhance financial operations. Flywire is a leading niche player in cross-border payment processing, offering comprehensive and compliant solutions.

Key Financial Metrics

Price$19.40
Market Cap$1.7B
P/E (TTM)74.62
P/E (Forward)14.25
Price/Book2.89
Return on Equity4.2%
Return on Invested Capital5.1%
Debt/Equity0.00x
Gross Margin59.6%
Operating Margin-1.4%
Revenue Growth27.2%
Free Cash Flow$154M

Flywire Corporation operates in the Software - Infrastructure industry, part of the Technology sector (United States).

Frequently Asked Questions

What is Flywire Corporation’s (FLYW) StockRank?
MoatMap’s StockRank for Flywire Corporation (FLYW) is 85/100, with a Strong Buy signal. It is a composite of Quality (60), Value (41), and Momentum (82), each scored against its sector. The composite is then ranked across MoatMap’s universe of 24,000+ stocks.
Does Flywire Corporation have an economic moat?
Flywire Corporation (FLYW) has a Quality factor score of 60/100. The Quality factor combines ROIC, Piotroski F-Score, and leverage: the financial fingerprints of a durable competitive advantage. A Quality score above 70 typically indicates a company with the characteristics of a moated business.
Is Flywire Corporation a buy, hold, or sell?
MoatMap’s current signal for Flywire Corporation (FLYW) is Strong Buy, based on a StockRank of 85/100. Signals are derived mechanically from the StockRank composite and should be one input among many; combine with your own thesis on management, competitive position, and valuation.
What sector is Flywire Corporation in?
Flywire Corporation (FLYW) operates in the Technology sector, specifically the Software - Infrastructure industry (United States).