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.
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.
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).
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.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 3.91 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9
FRED Regime × Technicals: 95% of 52W Range • RSI-14 at 63.2 (BULLISH MOMENTUM)
Capital intensity & 1.8% operating margin leave 10 pts on the table
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.
Broader market pullbacks can still drag down strong stocks in the short run.
Dilution & Margin Drag: Cannibal Buyback (-0.96% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
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).
Flywire Corporation Voting (FLYW) advanced +1.90% to $19.29, trading at 95% of its 52-week range ($10.55 – $19.79). Solid steady margins (2% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.
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Showing strong momentum in its Student Financial Software (SFS) solution, Flywire announced the milestone at its third-annual U.S. education conference, Flywire Fusion, which brought together 150+ attendees from leading
BOSTON, Oct. 20, 2026 (GLOBE NEWSWIRE) -- Today, Flywire Corporation (Flywire) (Nasdaq: FLYW), a global payments enablement and software company, announced that its third quarter financial results will be released after
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +26.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on FLYW today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for FLYW. Explore sector supply chains on /butterfly.
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 → |
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 | — | — |
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.
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).
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.
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).
Why FLYW Stock advanced +1.90% Today — RQD Quant Desk Flash. Solid steady margins (2% return on capital), mixed timing at current multiples—hold if owned, no rush to chase.
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