Stock Ratings / Consumer Discretionary / FLYW / insiders

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Flywire Corporation Voting (FLYW) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$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 →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

FLYW Smart-Money Thermometer: BALANCED INSTITUTIONAL POSITIONING

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (FLYW)

No recent open-market Form 4 cluster sales or emergency dumps flagged on FLYW. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (FLYW Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

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

Are FLYW insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies FLYW leadership and institutional positioning as: BALANCED INSTITUTIONAL POSITIONING.

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