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Upturn AI SWOT - About
Flywire Corp (FLYW)
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Upturn Advisory Summary
04/01/2025: FLYW (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -40.08% | Avg. Invested days 32 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.19B USD | Price to earnings Ratio 475 | 1Y Target Price 15.58 |
Price to earnings Ratio 475 | 1Y Target Price 15.58 | ||
Volume (30-day avg) 3539569 | Beta 1.18 | 52 Weeks Range 8.62 - 24.33 | Updated Date 04/1/2025 |
52 Weeks Range 8.62 - 24.33 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.02 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 0.59% | Operating Margin (TTM) -4.82% |
Management Effectiveness
Return on Assets (TTM) -0.41% | Return on Equity (TTM) 0.36% |
Valuation
Trailing PE 475 | Forward PE 15.31 | Enterprise Value 564760201 | Price to Sales(TTM) 2.41 |
Enterprise Value 564760201 | Price to Sales(TTM) 2.41 | ||
Enterprise Value to Revenue 1.15 | Enterprise Value to EBITDA 28.58 | Shares Outstanding 121719000 | Shares Floating 109618125 |
Shares Outstanding 121719000 | Shares Floating 109618125 | ||
Percent Insiders 3.95 | Percent Institutions 92.55 |
Analyst Ratings
Rating 4.39 | Target Price 24.41 | Buy 3 | Strong Buy 11 |
Buy 3 | Strong Buy 11 | ||
Hold 4 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Flywire Corp
Company Overview
History and Background
Flywire Corp. was founded in 2011 and went public in 2021. It originated as a provider of international payment solutions for the education sector and has expanded to include healthcare, travel, and B2B sectors. The company's growth has been driven by strategic acquisitions and expansion into new markets.
Core Business Areas
- Education: Provides payment solutions for international and domestic tuition and fees, enabling institutions to manage cross-border transactions efficiently.
- Healthcare: Offers payment solutions for healthcare providers to streamline patient billing and payment processes, including international patients.
- Travel: Enables travel companies to manage complex payment flows for bookings, tours, and other travel-related services.
- B2B: Offers payment solutions for businesses to manage international and domestic invoices.
Leadership and Structure
Mike Massaro is the CEO of Flywire Corp. The company has a typical corporate structure with departments for finance, marketing, sales, technology, and operations. Key executives include the CFO, CTO, and heads of business units.
Top Products and Market Share
Key Offerings
- Global Payment Solutions for Education: Facilitates international tuition payments for students and institutions. Flywire is a leader in this segment. Competitors include TransferMate, Convera (formerly Western Union Business Solutions), and GlobalPay for Students.
- Market Share %: Limited available data on precise market share. Public financial information suggests a strong position, but specific percentage data requires more detailed market analysis.
- Users: Serves thousands of educational institutions and millions of students globally
- Healthcare Payment Solutions: Offers solutions for simplifying patient payments in the healthcare industry, including international patients. Competitors include InstaMed (acquired by J.P. Morgan), Waystar, and Epic Systems.
- Market Share %: Gaining traction, but market share information is fragmented. Requires deeper industry analysis.
- Users: Serves healthcare providers of various sizes
Market Dynamics
Industry Overview
The global payments industry is experiencing significant growth due to increasing globalization, e-commerce, and digital transformation. The market is competitive, with various players offering specialized solutions.
Positioning
Flywire positions itself as a global payments enabler, focusing on specific verticals with complex payment needs. Its competitive advantage lies in its vertical-specific expertise and integrated platform.
Total Addressable Market (TAM)
Estimated TAM for global payments is in the trillions of dollars. Flywire's vertical focus allows it to capture a significant portion of this market within its target sectors. Based on reports the TAM for global payments is $2.2 Trillion. Flywire is well positioned to capture more of this TAM in its target sector.
Upturn SWOT Analysis
Strengths
- Strong vertical-specific expertise
- Integrated payment platform
- Global payment network
- Established relationships with institutions and businesses
- Strong client retention rates
- Scalable technology infrastructure
Weaknesses
- Reliance on specific verticals
- Competition from larger payment processors
- Exposure to currency fluctuations
- Dependence on regulatory compliance
Opportunities
- Expansion into new verticals
- Increased adoption of digital payments
- Strategic partnerships
- Acquisitions of complementary businesses
- International expansion
- Further automation of payment processes
Threats
- Intense competition
- Changes in regulations
- Economic downturns
- Cybersecurity risks
- Disruptive technologies
- Fluctuations in currency exchange rates
Competitors and Market Share
Key Competitors
- WU
- GPN
- SQ
- PYPL
Competitive Landscape
Flywire has a competitive advantage in its niche verticals due to its specialized expertise and solutions. It competes with larger payment processors but focuses on segments where it can offer greater value.
Major Acquisitions
Simplee
- Year: 2019
- Acquisition Price (USD millions): 0
- Strategic Rationale: Expanded Flywire's presence in the healthcare market and enhanced its payment solutions for healthcare providers.
Growth Trajectory and Initiatives
Historical Growth: Flywire has experienced strong revenue growth since its founding.
Future Projections: Analysts project continued revenue growth for Flywire, driven by expansion in existing and new verticals.
Recent Initiatives: Recent initiatives include expanding its payment solutions to new industries and geographies, and partnering with new companies
Summary
Flywire shows promise as a specialized player in global payments, particularly within its niche verticals like education and healthcare. Its vertical expertise and integrated platform create competitive advantages, yet it faces strong competition and relies on navigating currency risks. Further expansions and acquisitions will play a crucial role in achieving future growth. They need to expand into new areas to continue to see growth.
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Sources and Disclaimers
Data Sources:
- Company Website
- SEC Filings
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly. Consult with a qualified financial advisor before making any investment decisions.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Flywire Corp
Exchange NASDAQ | Headquaters Boston, MA, United States | ||
IPO Launch date 2021-05-26 | CEO & Director Mr. Michael Massaro | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 1250 | Website https://www.flywire.com |
Full time employees 1250 | Website https://www.flywire.com | ||
Flywire Corporation, together with its subsidiaries, operates as a payments enablement and software company in the United States and internationally. Its payment platform and network, and vertical-specific software help clients to get paid and help their customers to pay. The company's platform facilitates payment flows across multiple currencies, payment types, and payment options, as well as provides direct connections to alternative payment methods, such as Alipay, Boleto, PayPal/Venmo, and Trustly. It serves education, healthcare, travel, and business to business sectors. The company was formerly known as peerTransfer Corporation and changed its name to Flywire Corporation in December 2016. Flywire Corporation was incorporated in 2009 and is headquartered in Boston, Massachusetts.
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