COMP <GO>
WU vs FLYW // EV/EBITDA & P/E VALUATION
Western Union Company (NYSE) VS. Flywire Corporation Voting (NASDAQ) • 15-METRIC TALLY: WU 3
— FLYW 5
■ METRIC PARITY
LAST: $6.21 (+1.97%) • MKT CAP: $1.94B
valuation
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LAST: $19.29 (+1.90%) • MKT CAP: $2.35B
valuation
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (WU VS. FLYW)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | WU | FLYW | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 34.30% | — | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 85.00% | 1.80% | +83.20 | WU | /roic <GO> |
| EV/EBITDA & P/E Valuation ACTIVE | — | — | — | TIE | /valuation <GO> |
| Free Cash Flow Yield | — | 4.21% | — | TIE | /fcf-yield <GO> |
| Operating Margin | 19.50% | 1.80% | +17.70 | WU | /operating-margins <GO> |
| Net Profit Margin | 12.90% | 2.20% | +10.70 | WU | /net-margins <GO> |
| Revenue Growth (YoY) | -3.70% | 26.60% | -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 | 0.92 | 3.91 | -2.99 | FLYW | /balance-sheet <GO> |
| Piotroski F-Score Quality | 5/9 | 7/9 | -2.00 | FLYW | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 46.3 | 63.2 | -16.93 | 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 | $1.94B | $2.35B | -$410.2M | FLYW | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | WU REV | FLYW REV | WU GROSS % | FLYW GROSS % | WU FCF | FLYW FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $3.88B | $623.0M | 34.3% | — | $505.2M | $98.8M |
| FY 2024 | $4.03B | $492.1M | 34.9% | — | $368.9M | $97.7M |
| FY 2023 | $4.16B | $403.1M | — | — | $783.1M | $76.3M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
WU // BETA —
FLYW // BETA —