Stocks · Industrials · Specialty Business Services
Flywire Corp FLYW
$17.58 +0.11% Close, Oct 2, 2026 · NASDAQ · Market cap $2.14B
Strong growthHigh qualityStrong trend
Next earnings report: Nov 3, 2026
Scroll or pinch to zoom, drag to move. Daily prices adjusted for splits. Markers: E = earnings (green beat, red miss), S = split, D = dividend.
Three things to know
- Diluted EPS over the last four quarters was $0.26, up 584.6% year over year.
- Revenue over the last four quarters was $713.5M, up 32.2% from a year earlier.
- The stock is in an uptrend: above its 200-day average for 119 trading days, with the 50-day average above the 200-day.
PromtFinance scores
Each score is a percentile within the Industrials sector (0–100). Under each score: how the stock ranks in its sector on every component. As of Oct 5, 2026.
How fast revenue, earnings and cash flow are growing.
- Revenue growth (TTM, YoY)Top 13%
- EPS growth (TTM, YoY)Top 1%
- FCF growth (TTM, YoY)Top 21%
- Revenue growth, 3-year CAGRTop 8%
- Revenue growth accelerationBottom 29%
Returns on capital, margins, earnings quality and balance-sheet strength.
- Return on invested capitalBottom 42%
- Gross marginTop 6%
- Operating marginBottom 43%
- Cash conversion (OCF / net income)Top 7%
- Accruals (lower is better)Top 15%
- Net debt / EBITDA (lower is better)Top 3%
- Interest coverTop 13%
How cheap the shares are relative to earnings, cash flow and their own history.
- Earnings yieldBottom 40%
- Free-cash-flow yieldTop 19%
- EBITDA / enterprise valueBottom 34%
- Sales / enterprise valueBottom 41%
Strength and persistence of the price trend, including versus the S&P 500.
- 12-month return excluding last monthTop 24%
- 6-month returnTop 11%
- 1-year return vs S&P 500Top 31%
- Distance from 52-week highTop 16%
- Trend checklist (0–4)Top 42%
Earnings surprises and analyst sentiment (estimate-revision history is being collected).
- Average EPS surprise, last 4 quartersTop 13%
- Consecutive EPS beatsBottom 16%
- Share of analysts rating BuyTop 31%
- Upside to consensus price targetBottom 35%
Low volatility, shallow drawdowns, low market sensitivity and modest leverage.
- Volatility, 60 days (lower is better)Top 42%
- Maximum drawdown, 3 yearsBottom 17%
- Beta vs S&P 500 (lower is better)Bottom 28%
- Net debt / EBITDA (lower is better)Top 3%
What changed
Latest four quarters versus the same period a year earlier (growth: versus one quarter earlier).
| Measure | Before | Now | |
|---|---|---|---|
| Revenue growth (YoY) | 32.5% | 32.2% | ↓ |
| EPS growth (YoY) | 776.3% | 584.6% | ↓ |
| Gross margin | 60.7% | 57.5% | ↓ |
| Operating margin | 1.1% | 5.5% | ↑ |
| FCF margin | 16.6% | 21.4% | ↑ |
Fundamental momentum
| Measure | Now (TTM) | Year / quarter before | Sector rank | |
|---|---|---|---|---|
| Revenue growth (TTM, YoY) | 32.2% | 32.5% | ↓ | Top 13% |
| EPS growth (TTM, YoY) | 584.6% | 776.3% | ↓ | Top 1% |
| Gross margin | 57.5% | 60.7% | ↓ | Top 6% |
| Operating margin | 5.5% | 1.1% | ↑ | Bottom 43% |
| Net margin | 4.8% | 1.3% | ↑ | — |
| Free-cash-flow margin | 21.4% | 16.6% | ↑ | — |
| Return on invested capital | 3.9% | — | Bottom 42% | |
| Revenue growth, 3-year CAGR | 29.1% | — | Top 8% |
Quality of earnings and balance sheet
- Cash conversion (OCF / net income)Above 1× means profits are backed by cash.
- 3.00×
- Accruals (net income − OCF) / assetsLower is better; high accruals can signal weaker earnings quality.
- -10.9%
- Stock-based compensation / revenueA cost to shareholders through dilution.
- 9.9%
- Receivables growth vs revenue growthReceivables growing much faster than sales can be a warning.
- -23.5 pp
- Net debt / EBITDABelow 1× is conservative; above 3× is high leverage.
- -3.68×
- Interest cover (operating income / interest)How many times operating profit covers interest.
- 16.7×
Shareholder returns
- Dividend yield (dividends paid, TTM)
- 0.00%
- Net buyback yield (TTM)
- 3.52%
- Shareholder yield
- 3.52%
- Share count change, 1 year
- -0.1%
- Share count change, 3-year CAGR
- +3.3%
Shareholder yield = dividends + net buybacks over the last four quarters, divided by market cap.
Based on the four quarters through Jun 30, 2026 (filed Aug 5, 2026).
Earnings and expectations
Earnings momentum
- Consecutive EPS beats
- 0
- Beats in the last 8 reports
- 5 of 8
- Average EPS surprise, last 4
- +43.6%
- Average 2-day reaction, last 8
- +2.7%
- Positive 20 days after report
- 7 of 8
Analysts
- Consensus price target
- $21.27
- Target vs current price
- +21.0%
- Analysts with a rating
- 19
- Share rating Buy or Strong Buy
- 68%
- Consensus rating
- Buy
How the stock reacted to recent reports
| Report date | EPS surprise | 2 days | 5 days | 20 days | 60 days |
|---|---|---|---|---|---|
| Aug 4, 2026 | -182.9% | +3.8% | +4.5% | +13.6% | — |
| May 5, 2026 | +233.3% | +2.2% | +15.8% | +6.5% | +14.4% |
| Feb 24, 2026 | +103.0% | +5.6% | +16.8% | +17.6% | +48.8% |
| Nov 4, 2025 | +21.1% | +2.8% | +1.2% | +1.5% | -6.2% |
| Aug 5, 2025 | -28.6% | +0.5% | +12.9% | +27.1% | +32.0% |
| May 6, 2025 | +200.0% | +3.3% | +16.2% | +6.0% | +12.0% |
| Feb 25, 2025 | -1100.0% | +1.8% | -37.9% | -42.0% | -31.9% |
| Nov 7, 2024 | +100.0% | +1.9% | +20.5% | +18.8% | +9.9% |
Returns from the close before each report. Past reactions do not determine future ones.
Earnings history
| Report date | EPS | Estimate | Surprise | Revenue |
|---|---|---|---|---|
| Aug 4, 2026 | -$0.07 | -$0.02 | -182.9% | $163.8M |
| May 5, 2026 | $0.10 | $0.03 | +233.3% | $184.0M |
| Feb 24, 2026 | $0.00 | -$0.01 | +103.0% | $152.7M |
| Nov 4, 2025 | $0.23 | $0.19 | +21.1% | $200.1M |
| Aug 5, 2025 | -$0.09 | -$0.07 | -28.6% | $131.9M |
| May 6, 2025 | $0.03 | $0.01 | +200.0% | $133.5M |
| Feb 25, 2025 | -$0.12 | -$0.01 | -1100.0% | $117.5M |
| Nov 7, 2024 | $0.30 | $0.15 | +100.0% | $156.8M |
Valuation in context
| Multiple | Now | 5-year median | 5-year percentile | Sector rank (cheapness) |
|---|---|---|---|---|
| P/E (trailing) | 68.1× | — | — | Bottom 40% |
| P/E (forward) | 42.5× | — | — | — |
| EV / EBITDA | 24.2× | — | — | Bottom 34% |
| EV / Sales | 2.60× | — | — | Bottom 41% |
| Free-cash-flow yield | 7.15% | — | — | Top 19% |
| Earnings yield | 1.47% | — | — | Bottom 40% |
P/E over the past five years
Range 72.3× – 416.0× since Sep 30, 2024. Each point: price on the filing date divided by trailing-twelve-month EPS known then.
What moved the stock over the past year
- Price return, 1 year
- +30.5%
- Earnings per share growth (TTM)
- +584.6%
- Change in P/E multiple
- -82.6%
Most of the move came from earnings growth.
Technical state
Trend checklist
- ✗ Price above 20-day average
- ✗ Price above 50-day average
- ✓ Price above 200-day average
- ✓ 50-day average above 200-day
- ✓ MACD histogram positive
Trend quality
- Days above the 50-day average
- 0
- Days above the 200-day average
- 119
- 50-day average slope (20 days)
- -0.5%
- 200-day average slope (20 days)
- +2.6%
- Distance from 50-day average
- -1.3%
- Distance from 200-day average
- +16.4%
- RSI (14)
- 48.3
- Relative volume
- 0.89×
Risk and drawdowns
- Volatility, 60 days (annualized)
- 39.3%
- Volatility vs own 5-year history
- 12th percentile · Low for this stock
- Beta vs S&P 500 (2 years, weekly)
- 1.41
- Correlation with S&P 500
- 0.39
- Current drawdown from 1-year high
- -10.0%
- Maximum drawdown, 3 years
- -73.8%
Largest declines in the past six years
| From peak | To low | Decline | Length | Recovery |
|---|---|---|---|---|
| Oct 14, 2021 | Apr 10, 2025 | -84.4% | 875 days | Not yet recovered |
| Jun 24, 2021 | Jul 19, 2021 | -23.0% | 16 days | 19 days (Aug 13, 2021) |
| May 26, 2021 | Jun 10, 2021 | -19.9% | 10 days | 7 days (Jun 21, 2021) |
| Sep 16, 2021 | Sep 29, 2021 | -11.7% | 9 days | 10 days (Oct 13, 2021) |
Declines of 10% or more from a closing high, measured on daily closes.
Financial statements
- Market cap
- $2.14B
- P/E (TTM)
- 68.1
- EPS, diluted (TTM)
- $0.26
- Revenue (TTM)
- $713.5M
- 52-week range
- $10.55 – $19.73
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Revenue | $201.1M | $289.4M | $403.1M | $492.1M | $623.0M |
| Gross profit | $131.0M | $181.4M | $255.8M | $314.7M | $382.7M |
| Operating income | -$13.3M | -$30.2M | -$21.5M | -$7.3M | $20.0M |
| Net income | -$28.1M | -$39.3M | -$8.6M | $2.9M | $13.5M |
| EPS (diluted) | -$0.26 | -$0.36 | -$0.07 | $0.02 | $0.11 |
| Q3 2024 | Q4 2024 | Q1 2025 | Q2 2025 | Q3 2025 | Q4 2025 | Q1 2026 | Q2 2026 | |
|---|---|---|---|---|---|---|---|---|
| Revenue | $156.8M | $117.5M | $133.5M | $131.9M | $200.1M | $157.5M | $188.1M | $167.7M |
| Net income | $38.9M | -$15.9M | -$4.2M | -$12.0M | $29.6M | $33,000 | $12.5M | -$8.1M |
| EPS (diluted) | $0.30 | -$0.13 | -$0.03 | -$0.10 | $0.23 | $0.00 | $0.10 | -$0.07 |
| FY 2021 | FY 2022 | FY 2023 | FY 2024 | FY 2025 | |
|---|---|---|---|---|---|
| Operating cash flow | $17.1M | $4.9M | $80.6M | $91.5M | $100.2M |
| Capital expenditure | -$6.7M | -$7.1M | -$6.0M | -$924,000 | -$1.4M |
| Free cash flow | $10.4M | -$2.2M | $74.6M | $90.5M | $98.8M |
| Dividends paid | $0 | $0 | $0 | $0 | $0 |
| Net share buybacks | $268.7M | $5.7M | $261.1M | -$43.7M | -$78.5M |
Cash outflows are shown as negative numbers.
- Cash and short-term investments
- $294.2M
- Total assets
- $1.16B
- Total liabilities
- $346.4M
- Total debt
- $0
- Net debt
- -$282.4M
- Shareholders’ equity
- $816.6M
As of Jun 30, 2026 (filed Aug 5, 2026).
Short interest
- Shares sold short
- 11,776,107
- Days to cover
- 9.81
- Change vs previous report
- -4.9%
FINRA short interest, settlement date Sep 15, 2026.