FLYWIRE CORP (FLYW)
Financials · Fintech / Payment Processing · NASDAQ
Flywire is a global payment software company that simplifies high-value, complex cross-border and domestic transactions for organizations in the education, healthcare, travel, and B2B sectors.
What FLYWIRE CORP does
Flywire is a global payments enablement and software company that specializes in processing complex, high-value cross-border and domestic payments. Its platform integrates payment processing, receivables automation, and workflow management, primarily serving the education, healthcare, travel, and B2B sectors. The company helps organizations digitize their billing and collection processes to improve customer experience and operational efficiency.
Themes: digital payments, fintech software, cross-border commerce, receivables automation, B2B payments
Fundamentals
- Price$19.54 as of 2026-08-21 close
- Market cap$2.2B as of 2026-08-24
- 1-year return+59.1% 2025-08-21 close $12.28 → 2026-08-21 close $19.54
- P/E65.20 as of 2026-08-24
- Net margin+4.8% as of 2026-08-24
- Gross margin+59.6% as of 2026-08-24
- ROE+4.1% as of 2026-08-24
- Debt / equity0.00 as of 2026-08-24
- Revenue growth (YoY)+32.2% as of 2026-08-24
- Revenue CAGR (3y)+29.1% SEC XBRL
- Beta1.34 as of 2026-08-24
- Last reported earnings2026-08-04 SEC EDGAR Form 8-K (Item 2.02)
How FLYW compares in its sector
- price-to-earnings ratiotop 10% 525 covered Financials peers, as of 2026-08-24
- net profit marginbottom 25% 538 covered Financials peers, as of 2026-08-24
- operating marginbottom 25% 534 covered Financials peers, as of 2026-08-24
- gross marginmiddle range 176 covered Financials peers, as of 2026-08-24
- return on equitybottom 25% 575 covered Financials peers, as of 2026-08-24
- 3-year revenue CAGRtop 25% 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)middle range 431 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
FLYW is not currently in any published Top 10 list. Its scores are below.
Long-term score
Not scored for the long-term list: no shareholder return data.
Short-term score
49.5 #823 of 1,704 scored · #139 of 277 in Financials
Trend 75th: the price is 7% above the average price paid over the period covered, so the typical buyer over that stretch is showing a gain; volume and participation 64th: trading volume is about normal versus its 30-day average; weakest is setup 32nd: over the past year its closes ranged, and it has retraced essentially none of its move over the past year — 0% of it. Its score is docked 10 points for overextended (RSI above 75 or stochastic above 90).
Scores as of 21 Aug 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 2.
How FLYWIRE CORP looks technically
FLYWIRE CORP (FLYW) is trading 35.0% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 69 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 21 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 65, neither overbought (above 70) nor oversold (below 30). It just made a new 20-day high, pushing above its recent trading range. It is trading right at its highest price of the past year (its 52-week high).
Trend
7
| Distance from the 200-day | it is trading 35.0% above its 200-day average, the long-term trend line — a longer-term uptrend | +35.0% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $17.29 | $17.29 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $14.47 | $14.47 |
| Swing structure | each recent peak has been lower than the one before it and each dip deeper — the pattern chart-watchers call a downtrend, which describes where price has already been and not where it goes next | lower highs and lower lows |
| Last swing turn | its last significant turn was a swing high 16 calendar days ago — the swings before that are what the structure reading is measured on | 16 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 69 trading days ago — a "golden cross", a bullish long-term signal | 69 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 21 (a reading of 25+ marks a strong trend) | 21.3 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 65, neither overbought (above 70) nor oversold (below 30) | 65.2 |
|---|---|---|
| Position in its 14-day range | it is trading right at the top of its 14-day range ($16.61 to $19.59) — its "stochastic" reading is 98 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 98.3 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, is in positive territory (momentum leaning bullish) | 13 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $19.59 | $19.59 |
|---|---|---|
| From the 52-week high | it is trading right at its highest price of the past year (its 52-week high) | -0.3% |
| Above the 52-week low | it is 85.2% above its 52-week low (its lowest price of the past year) | +85.2% |
| Below the 52-week high | it is at or near its highest point of the past year | 0.3% |
| Since a 20-day breakout | it just made a new 20-day high, pushing above its recent trading range | 1 session |
| Since a 55-day breakout | it just made a new 55-day high, pushing above its recent trading range | 1 session |
| All-time high | its highest closing price on record is $35.80 (set on 2023-08-09) | $35.80 |
| Given back of the 52-week move | over the past year its closes ranged ($10.64 to $19.54), and it has given back essentially none of its rise from last year’s low — 0% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $13.76 to $14.04. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 0.0% |
| From the all-time high | it is 45.4% below its all-time high | -45.4% |
| Nearest price level | it is trading 1.1% below a resistance level at $19.76 — a price it turned at twice since 2024-12-13, most recently on 2024-12-23. Since 2024-08-21 it has 16 such levels below the current price and 3 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +1.1% |
| All-time low | its lowest closing price on record is $8.20 (set on 2025-04-11) | $8.20 |
| Above the all-time low | it is 138.3% above its all-time low | +138.3% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are about average versus its own recent 6-month history | 48th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.738 between its high and its low — about 3.8% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.738 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $15.63 and $19.68 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $15.63 – $17.65 – $19.68 |
| Typical daily range (% of price) | its price moves about 3.8% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 3.8% |
| Stretch from the 200-day average | it is trading 6.9 daily ranges above its 200-day average price (35.0% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 6.9 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.94× |
|---|
Analyst
2
| Change in the average price target | analysts have raised their average price target by 1.5% since the prior reading | +1.5% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
1
| Since a doji | 3 sessions ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 3 sessions ago |
|---|
Price gaps
2
| Gap at the open | it opened on 2026-08-21 0.7% above the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | +0.7% |
|---|---|---|
| Gap filled | a 3.2% gap up opened on 2026-08-05 has been "filled" 9 sessions ago — price traded back through the level the gap left behind, and it took 3 sessions to close | 9 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock beat the market by 9.5 percentage points (the stock gained 11.8% while the market gained 2.3%) | +9.5% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock beat the market by 17.8 percentage points (the stock gained 20.9% while the market gained 3.1%) | +17.8% |
| vs market, 6 months | over the past 6 months this stock beat the market by 62.9 percentage points (the stock gained 74.0% while the market gained 11.1%) | +62.9% |
| vs market, 12 months | over the past 12 months this stock beat the market by 38.6 percentage points (the stock gained 59.1% while the market gained 20.5%) | +38.6% |
Signal agreement
2
| Bullish technical signals | 6 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a fresh 20-day high, MACD momentum is positive, outperforming the market over 6 months, trading above the Ichimoku cloud — these describe past price behaviour, not a forecast | 6 of 9 |
|---|---|---|
| Bearish technical signals | 1 of the 9 technical signals we can compute for it is currently in a bearish state: near the top of its 14-day range (overbought) — these describe past price behaviour, not a forecast | 1 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 13% above the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-07-16 and projected forward over today's price, the side traders read as an established uptrend, with the band below acting as the level that would have to give way. The band itself is moderate, spanning 5.9% of the share price. | +13.2% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 30% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $15.01 — a volume-weighted average of daily closes over 157 sessions, not a true tick-by-tick VWAP. | +30.1% |
|---|---|---|
| Vs the average paid since it last reported | the price is 7% above the average price paid since it last reported on 2026-08-04 (its 8-K), so the typical buyer over that stretch is showing a gain. That average is $18.21 — a volume-weighted average of daily closes over 14 sessions, not a true tick-by-tick VWAP. | +7.3% |
Price levels it has turned at before
FLYW last closed at $19.54 on 2026-08-21. Since 2024-08-21 it has turned at 16 prices below its last close and 3 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $19.76 | Resistance | 1.1% above the last close | turned there twice · 2024-12-13 to 2024-12-23 |
| $18.94 | Support | 3.1% below the last close | turned there three times · 2026-07-02 to 2026-08-05 |
| $18.61 | Support | 4.8% below the last close | turned there twice · 2024-08-29 to 2024-09-13 |
| $20.70 | Resistance | 5.9% above the last close | turned there three times · 2025-01-02 to 2025-01-30 |
| $18.08 | Support | 7.5% below the last close | turned there three times · 2024-10-18 to 2026-05-07 |
| $23.31 | Resistance | 19.3% above the last close | turned there twice · 2024-11-11 to 2024-11-29 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-08-21.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Near the 52-week high · Broke out to a new 20-day high · Analyst price target recently RAISED · beating the market · Stretched far above its 200-day average (6+ daily ranges) | Learn: moving average · golden cross · adx · rsi · breakout · fifty two week high low
Based on daily closing prices as of 2026-08-21. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingBuy (2.07 mean, 1=Strong Buy…5=Strong Sell) — 13 analysts
- Mean price target$20.69 range $18.00 – $24.00; median $20.00
Analyst estimates, as of 2026-08-21. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for FLYW
- Consensus EPS estimate$0.4864 next reporting period, as of 2026-08-21
Change over time is not available yet: it needs two readings of the same reporting period at least 30 days apart, and we have been recording these estimates since 2026-08-04. An estimate for a DIFFERENT quarter is not a revision, so a reading from before the last report is never compared with one after it.
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Sensitivity to political, economic, and regulatory changes impacting international travel and cross-border education, such as immigration and visa policies.","Exposure to complex and evolving international financial regulations, including anti-money laundering (AML) and counter-financing of terrorism (CFT) requirements.","Intense competition in the global payments and financial services industry."]
What changed in the latest 10-Q
AI-assisted comparison of FLYW's 10-Q filed 2026-05-06 against the prior one filed 2025-11-10.
Management's Discussion & Analysis (MD&A)
- Reworded:
- Page number for Item 2 (MD&A) changed from 35 to 25
- Page number for Item 3 (Quantitative and Qualitative Disclosures About Market Risk) changed from 57 to 44
- Page number for Item 4 (Controls and Procedures) changed from 59 to 46
- Page number for PART II OTHER INFORMATION changed from 60 to 47
- Page number for Item 1 (Legal Proceedings) changed from 60 to 47
- Notes:
- Only table of contents page numbers are presented; actual MD&A content comparison cannot be performed from these excerpts alone
- Changes reflect pagination differences between the two filings but do not indicate substantive content changes without access to full section text
Risk Factors
- Added:
- Added 'visa' to the list of immigration and visa risks in the political/economic risks bullet point (filed 2026-05-06)
- Added reference to 'the U.S. and Iran' in the geopolitical conflict bullet point (filed 2026-05-06)
- Reworded:
- Changed 'immigration' to 'immigration and visa' in the political, economic, foreign currency exchange rate, inflation, tariffs and international trade conflict, banking, legal risks bullet point (newer filing 2026-05-06 vs. older filing 2025-11-10)
- Changed 'the recent hostilities in Ukraine and involving Israel, Hamas and Iran' to 'the hostilities in Ukraine and involving Israel, Hamas, the U.S. and Iran' in the geopolitical conflict bullet point (newer filing 2026-05-06 vs. older filing 2025-11-10)
- Notes:
- The provided text is truncated at the end of both filings, cutting off mid-sentence; full comparison limited to complete content available
- Page number references in table of contents differ (Item 1A on page 47 in newer vs. page 60 in older), indicating layout changes but core forward-looking statements language is substantively comparable
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 13 open-market sales by insiders in the last 90 days.
- Last 90 days0 buys · 13 sells ($8M) — 6 selling insiders
- Last 180 days0 buys · 22 sells ($11M) — 7 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-07-17. As of 2026-08-24.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about FLYW's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Congressional trading disclosures
U.S. House members publicly disclose their own, their spouse's, and dependent children's stock transactions under the STOCK Act. We hold 2 matched disclosures for FLYW from U.S. House Clerk Periodic Transaction Report filings.
Congressional trading disclosures →Institutional ownership (13F)
5 institutional 13F filers reported holding FLYW as of 2026-03-31 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 16,654,083
- Reported value $193,853,523
reported quarterly holdings change (2025-12-31 → 2026-03-31): 0 new, 3 increased, 2 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Short interest (FINRA)
FLYW had 12,681,558 shares of reported short interest as of the 2026-07-31 FINRA settlement date (delayed, bi-monthly; not real-time).
Short interest as a percent of shares outstanding is not shown for FLYW because we do not hold a verified share count to divide it by. The reported figures above are unaffected.
- Reported short interest (shares) 12,681,558
- Prior settlement (shares) 13,105,497
- Reported change -3.23%
- Days to cover (reported) 6.48
Reported to FINRA as of the 2026-07-31 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Global Payments (GPN)
- Fiserv
- PayPal (PYPL)
- Stripe
- Adyen (ADYEN)
- Western Union (WU)
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does FLYWIRE CORP (FLYW) do?
Flywire is a global payments enablement and software company that specializes in processing complex, high-value cross-border and domestic payments. Its platform integrates payment processing, receivables automation, and workflow management, primarily serving the education, healthcare, travel, and B2B sectors. The company helps organizations digitize their billing and collection processes to improve customer experience and operational efficiency.
What sector is FLYWIRE CORP (FLYW) in?
FLYWIRE CORP (FLYW) is classified in the Financials sector. Its industry is Fintech / Payment Processing. It trades on NASDAQ.
Who are FLYWIRE CORP's (FLYW) competitors?
Notable peers of FLYWIRE CORP (FLYW) include Global Payments, Fiserv, PayPal, Stripe and Adyen. This peer set is informational only — not financial advice.
Has there been recent Congressional stock trading in FLYW?
Yes — we hold 2 matched STOCK Act disclosures for FLYW from U.S. House Clerk Periodic Transaction Report filings. These are legally-required disclosures (often filed 30–45 days after the trade), may belong to a U.S. House member, their spouse, or a dependent child, and are not an indicator of company performance or investment advice.
Is FLYWIRE CORP (FLYW) overbought or oversold right now?
FLYWIRE CORP (FLYW) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 65, in the neutral middle (as of 2026-08-21). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on FLYW come from?
Fundamentals and prices come from market data, as of 2026-08-24; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: market data, as of 2026-08-24. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-08-21.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.