Lumida
/FLYW
⌘K
Flywire Corp

Flywire Corp

FLYW
$17.87USD↑+0.68%+0.12 today

MARKET CAP

2.2B

P/E (TTM)

77.7x

FWD P/E

—

DAY RANGE

$18 – $18

52W RANGE

$11
$20

AI Summary

Stalk
Sell NowMedium

FLYW has broken key support at the 17.90–18.20 zone on elevated volume and closed below the 9- and 20-day EMAs, testing the 50-day SMA. Short-term momentum has shifted lower with EMAs declining and RSI near 40, and the primary Support Failure pattern signals bearish supply dominance. We look to sell into any relief rallies toward the broken support area around 18.20–18.30, while a sustained reclaim above these levels would invalidate the bearish bias.

  • ↑Q2 revenue $164M, +28% YoY; transaction revenue +35% YoY
  • ↑Adjusted EBITDA margin expanded to 14.6%, up 160bps YoY
  • ↓P/E at 69x vs. industry benchmarks suggests rich valuation
Full analysis →

The case for & against

Bull & Bear analysis

Bullish

Flywire Corporation (NASDAQ: FLYW) operates in the payment processing sector, specializing in vertical-specific payments solutions across travel, education, healthcare, and B2B segments. The company is well-positioned within the rapidly evolving digital payments landscape, providing tailored solutions that enhance payment workflows and reduce costs for organizations globally. Flywire’s growth strategy aims to achieve $1 billion in annual organic revenue, backed by significant momentum in revenue growth and an expanding client base.

Bull says

  • ↑Q2 revenue $164M, +28% YoY; transaction revenue +35% YoY
  • ↑Adjusted EBITDA margin expanded to 14.6%, up 160bps YoY
  • ↑Signed 200+ new clients across 45 countries in Q2
  • ↑Institutional ownership remains high, signaling investor confidence
  • ↑B.Riley and Seaport raised price targets to $24 and $22
  • ↑High earnings yield and growth factor support upside potential

Bear says

  • ↓P/E at 69x vs. industry benchmarks suggests rich valuation
  • ↓Q2 net loss of $8M reflects continued unprofitability despite revenue growth
  • ↓UK visa changes may disrupt education segment revenue
  • ↓High stock volatility adds uncertainty and deters steady holders
  • ↓Analyst earnings revisions are trending downward, signaling lower future forecasts
  • ↓Fundamental quality and low dividend yield raise balance-sheet health concerns

Investment themes with FLYW

FinTech Lending↓ -2.43%

Financial technology companies providing loans

SOFI · COIN · FIS
Payments↓ -1.82%

Digital and traditional payment processing solutions

XYZ · MA · V

Earnings Call · Q4 2023 · Mgmt. Guidance

Updated 03-25-2025neutral

Transcript signals

Bull points

  • So we're doing a bunch of things to try to accelerate revenue on the healthcare side. So we have great conviction in the platform. We have great conviction in the team. We're not satisfied with the results that we saw in 2023 and neither is the team. So in terms of things that we're focused on, we've been really good about trying to be very clear about how we can target the different segments at the hospital level, the large hospitals that have been the core of where we are, making sure that we have clear strategies around each of the different EHRs and ways to bring a different set of solutions in based on the needs of that hospital and their setup.
  • we will have gotten in the neighborhood of 700 clients live. If you look at sort of the status of things right now, feel very good about the status of projects that have gone live on time, as expected through Q4.
  • So this was another really strong quarter, 170 plus clients signed. In this case, education actually got the top of the table in terms of driving the most client wins. So just beat out travel by a little bit. But in this case, a really strong quarter for the education team alongside a strong quarter for travel. Nice ads and B2B in health care as well.

Bear points

  • And given the growth of our revenue amounts, we thought it'd be reasonable given the uncertainty specifically around the Canadian regulatory challenges.
  • healthcare down 1%. How do we think about the reacceleration of that business? Kind of thoughts, just bigger picture on healthcare and what you think that business can grow longer term?
  • Our guidance reflects a net reduction of low-teens millions of dollars to revenue related to recent announcements that the Canadian government will reduce applications for international study permits.
Read full transcript analysis ›