COMP <GO>
FLYW vs WU // NET PROFIT MARGIN
Flywire Corporation Voting (NASDAQ) VS. Western Union Company (NYSE) • 15-METRIC TALLY: FLYW 5
— WU 3
▲ NET PROFIT MARGIN LEADER: WU
LAST: $19.69 (+2.07%) • MKT CAP: $2.35B
net-margins
2.20%
LAST: $6.16 (-0.80%) • MKT CAP: $1.94B
net-margins
12.90%
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (FLYW VS. WU)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | FLYW | WU | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | 34.30% | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 1.80% | 85.00% | -83.20 | WU | /roic <GO> |
| EV/EBITDA & P/E Valuation | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | 4.21% | — | — | TIE | /fcf-yield <GO> |
| Operating Margin | 1.80% | 19.50% | -17.70 | WU | /operating-margins <GO> |
| Net Profit Margin ACTIVE | 2.20% | 12.90% | -10.70 | WU | /net-margins <GO> |
| Revenue Growth (YoY) | 26.60% | -3.70% | +30.30 | FLYW | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 3.91 | 0.92 | +2.99 | FLYW | /balance-sheet <GO> |
| Piotroski F-Score Quality | 7/9 | 5/9 | +2.00 | FLYW | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 57.6 | 48.2 | +9.40 | FLYW | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | — | 3.6x | — | TIE | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $2.35B | $1.94B | $410.2M | FLYW | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | FLYW REV | WU REV | FLYW GROSS % | WU GROSS % | FLYW FCF | WU FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $623.0M | $3.88B | — | 34.3% | $98.8M | $505.2M |
| FY 2024 | $492.1M | $4.03B | — | 34.9% | $97.7M | $368.9M |
| FY 2023 | $403.1M | $4.16B | — | — | $76.3M | $783.1M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
FLYW // BETA —
WU // BETA —