Stock Ratings / Consumer Discretionary / FLYW / earnings

PAYO (66) TIC (46) WU (68) TNET (57) ⌘ Pro Terminal →

Flywire Corporation Voting (FLYW) Next Earnings Date & Expected ±7.1% Move

$19.29 +1.90% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $19.32

Flywire Corporation Voting (FLYW) carries a Roarable Rating of C (Hold) with 62/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $2.35B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $19.32 (+0.15%)🧬 Cannibal Buyback (-0.96% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 15.9% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 62/100 (C) historically posted market-perform odds over rolling 90-day windows (+0.7% avg 90D alpha vs SPY • 54.3% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

JEV AI Jury Split (Battleground)

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+1.8% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FLYW)Realized 20D OHLCV Swing Band: ±7.1%

Deterministic 5-Pillar Attribution (62/100 Composite)

🔍 WHY FLYW SCORES 62/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+16/20 pts (26% of score)

Altman Z-Score 3.91 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▲ #2 Bullish Driver: Macro Regime Fit+13/20 pts (21% of score)

FRED Regime × Technicals: 95% of 52W Range • RSI-14 at 63.2 (BULLISH MOMENTUM)

▼ #1 Drag / Risk Factor: Cash Engine Quality10/20 pts (-10 pt drag)

Capital intensity & 1.8% operating margin leave 10 pts on the table

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C-$18.76-1.5% Next Q

Q2 (-2Q)

Grade C$18.47+5% Next Q

Q3 (-1Q)

Grade C$19.40-0.6% Next Q

Current

Grade C$19.29+0.7% Hist 90D α

Trajectory: C- (54) → C (62)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FLYW Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 62/100 (C) score, FLYW faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-0.96% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($18.30) or 200D SMA ($15.52) invalidates the momentum regime and cuts Target Base ($19.64) toward Bear Floor ($15.32).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FLYW• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “FLYW Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 62%NO 38%Trade / Inspect Odds →

NEXT EST. WINDOW: Dec 30, 2026 (~58 DAYS)

Historical OHLCV Volatility ±7.1% Swing Band

±$1.37 Expected Swing

MODEL EARNINGS SETUP GAUGE

FLYW Quantitative Pre-Earnings Setup: 62/100

Trailing EPS: $4.25 • YoY Revenue Growth: 26.6%

Model Bullish Setup (62/100)Model Risk Weight (38/100)

Derived deterministically from RQD cash-flow quality, SEC accrual safety, and institutional flow (not a community poll).

LOG YOUR PERSONAL PRE-EARNINGS STANCE (SAVED LOCALLY IN BROWSER):

Recent SEC Reported Revenue, Net Profit & Diluted EPS Cadence

Period	Filed	Revenue	Net Profit	Free Cash Flow	Gross Margin
FY 2025	2025-12-31	$623.0M	$13.5M	$98.8M	52%
FY 2024	2024-12-31	$492.1M	$2.9M	$97.7M	52%
FY 2023	2023-12-31	$403.1M	-$8.6M	$76.3M	52%

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating FLYW & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on FLYW
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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Join Founding VIP Waitlist (No Card Required) →$100K Arena

FLYW // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +42.78%▲ ASCENDING CHANNEL

2026-10-30O $19.24H $19.79L $19.07C $19.29VOL 1.81M

RES: $20.81SUP: $17.40SMA50: $18.30SMA200: $15.52

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FLYW Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FLYW Butterfly Map → + Track FLYW →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. +26.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on FLYW today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FLYW. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for FLYW today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FLYW)

Consumer Discretionary Rank #356 of 1011 ⚔️ PAYO vs FLYW Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (FLYW vs. PAYO, TIC, WU, TNET)

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Flywire Corporation Voting (FLYW) ranks #356 by composite RQD confidence (62/100, grade C) and #398 by equity capitalization ($2.35B). Within this direct 5-issuer industry benchmark cohort, WU leads on earnings valuation at 3.9x trailing P/E, while WU leads on capital efficiency and profitability with 85.0% ROIC and 34.3% gross margin. WU currently holds the highest overall quantitative score in the immediate peer group at 68/100 (C+) compared with FLYW at 62/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
FLYW ACTIVE Flywire Corporation Voting	C	62/100	—	—	1.8%	+1.90%	$2.35B	Benchmark Subject
PAYO Payoneer Global Inc.	C+	66/100	33.0x	—	34.1%	0.00%	$2.41B	/payo-vs-flyw →
TIC TIC Solutions Inc.	D	46/100	—	29.4%	-0.4%	+3.90%	$2.27B	/tic-vs-flyw →
WU Western Union Company	C+	68/100	3.9x	34.3%	85.0%	+1.97%	$1.94B	/wu-vs-flyw →
TNET TriNet Group Inc.	D+	57/100	18.9x	—	85.0%	-9.53%	$2.92B	/tnet-vs-flyw →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001580560

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Flywire Corporation Voting (FLYW) reported GAAP revenue of $623.0M (+26.6% vs. FY2024 revenue of $492.1M , and +54.6% cumulative change since FY2023) , GAAP net income of $13.5M, operating cash flow of $100.2M, and free cash flow of $98.8M (+1.1% YoY). On the balance sheet, FLYW closed FY2025 with $1.25B in total assets against $0 in total debt (Altman Z-Score: 3.91, Piotroski F-Score: 7/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$623.0M	$13.5M	$100.2M	$98.8M	$1.25B	—
FY2024 (FY)	2024-12-31	$492.1M	$2.9M	$98.7M	$97.7M	$1.12B	—
FY2023 (FY)	2023-12-31	$403.1M	-$8.6M	$76.3M	$76.3M	—	—

3. FLYW Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FLYW stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Flywire Corporation Voting (NASDAQ: FLYW) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 62/100 at a spot price of $19.29 (+1.90% 1D, market cap $2.35B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 12/20, Executive Insider Alignment 16/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 11/20. Across 1011 tracked Consumer Discretionary issuers, FLYW ranks #356 in composite RQD confidence.

How does FLYW compare to PAYO and TIC in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), FLYW carries a Roarable C (62/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 1.8%. By comparison, PAYO (Payoneer Global Inc.) holds a C+ grade (66/100 RQD, P/E 33.0x, ROIC 34.1%, cap $2.41B) and TIC (TIC Solutions Inc.) posts a D grade (46/100 RQD, P/E N/A, ROIC -0.4%, cap $2.27B). Among the 5-stock peer group, WU leads on earnings multiple (3.9x) while WU leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FLYW?

Per FLYW's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001580560), Flywire Corporation Voting generated $623.0M in revenue (+26.6% YoY), $13.5M in net income, and $98.8M in free cash flow against $1.25B in total assets and $0 in total debt. Key quantitative strengths: Clean SEC annual filing review with no major hidden accounting time-bombs.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FLYW trading relative to its 50-day, 200-day, and 52-week technical levels?

FLYW last traded at $19.29 (+1.90% on volume of 842,124 shares), positioning the stock +5.41% above its 50-day simple moving average ($18.30) and +24.29% above its 200-day simple moving average ($15.52). Across its 52-week range of $10.55 to $19.79, FLYW sits at the 94.6% percentile with a 14-day RSI of 63.2 (BULLISH MOMENTUM) and an implied next-earnings move of ±7.1% ($17.92 to $20.66).

FLYW Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

When is FLYW's next earnings date?

Based on SEC filing cadence, Flywire Corporation Voting (FLYW)'s next quarterly reporting window is estimated around Dec 30, 2026.

How much is FLYW stock expected to move on earnings?

Volatility modeling currently projects a ±7.1% event move for FLYW, spanning a range between $17.92 and $20.66.

Direct Sub-Reports: FLYW RQD Cockpit FLYW 12M Forecast FLYW Earnings & Move FLYW Dividends & DRIP FLYW Insiders & 13F FLYW Whale Options FLYW Profit Sankey FLYW News & Why