Flywire (NASDAQ:FLYW) Posts Earnings Results, Beats Estimates By $105.56 EPS

Flywire (NASDAQ:FLYW) posted its earnings results on Tuesday. The company reported $105.55 earnings per share for the quarter, topping the consensus estimate of ($0.01) by $105.56, reports. The firm had revenue of $157.54 million during the quarter, compared to analyst estimates of $144.96 million. Flywire had a positive return on equity of 0.80% and a negative net margin of 0.42%.The company’s revenue for the quarter was up 34.0% on a year-over-year basis. During the same period in the previous year, the company earned ($0.12) EPS.

Here are the key takeaways from Flywire’s conference call:

• Flywire delivered a strong Q4 and full-year 2025: $152.7M revenue (32.6% FX‑neutral growth), adjusted gross profit of $93.7M, adjusted EBITDA margin of 16.6%, GAAP net income of $13.5M, and $62M free cash flow, with a $200M net cash position and $118M of share buybacks executed.
• The business emphasizes durable, enterprise‑anchored revenue: ~90% of education and >70% of travel revenue come from enterprise clients, over 100 ERP/vertical integrations, and revenue churn below 1%, supporting long‑term expansion and retention.
• Management expects temporary gross margin pressure in 2026 (roughly 200–300 basis points) driven by early‑stage payment‑processing ramps (e.g., Cleveland Clinic, B2B invoice cross‑sells and Sertifi), though gross profit dollars should still grow and margins are expected to normalize in 2027.
• Guidance targets continued profitable growth: 2026 FX‑neutral revenue growth of ~15–21%, mid‑teens gross profit dollar growth at spot rates, adjusted EBITDA margin around 22.5% midpoint for 2026 and a target of 24–25% for 2027, supported by AI/data investments and platform consolidation.
• Capital allocation is focused and shareholder friendly — disciplined M&A appetite for strategic workflow+software+payments targets but prioritizing opportunistic share repurchases (≈$180M remaining authorization) given current valuation dislocation.

Flywire Stock Performance

Shares of NASDAQ FLYW traded up $1.02 during trading hours on Wednesday, reaching $12.26. The stock had a trading volume of 3,508,596 shares, compared to its average volume of 1,459,076. The company has a market cap of $1.50 billion, a price-to-earnings ratio of -614.44, a PEG ratio of 1.20 and a beta of 1.28. Flywire has a twelve month low of $8.20 and a twelve month high of $15.25. The business’s fifty day moving average is $13.09 and its two-hundred day moving average is $13.23. The company has a debt-to-equity ratio of 0.02, a current ratio of 1.53 and a quick ratio of 1.53.

Insider Transactions at Flywire

In related news, major shareholder Voss Capital, Lp purchased 181,121 shares of the stock in a transaction on Tuesday, December 30th. The shares were purchased at an average cost of $14.15 per share, for a total transaction of $2,562,862.15. Following the completion of the transaction, the insider directly owned 9,625,009 shares of the company’s stock, valued at approximately $136,193,877.35. The trade was a 1.92% increase in their position. The acquisition was disclosed in a legal filing with the Securities & Exchange Commission, which is available through the SEC website. Also, General Counsel Peter Butterfield sold 13,327 shares of the stock in a transaction on Wednesday, January 7th. The stock was sold at an average price of $15.01, for a total value of $200,038.27. Following the transaction, the general counsel owned 374,933 shares of the company’s stock, valued at $5,627,744.33. This represents a 3.43% decrease in their ownership of the stock. The disclosure for this sale is available in the SEC filing. In the last three months, insiders acquired 251,112 shares of company stock valued at $3,477,834 and sold 38,426 shares valued at $567,215. 4.40% of the stock is owned by insiders.

Institutional Investors Weigh In On Flywire

Hedge funds have recently made changes to their positions in the company. Global Retirement Partners LLC acquired a new position in Flywire in the fourth quarter valued at about $32,000. Daiwa Securities Group Inc. raised its stake in shares of Flywire by 78.4% in the second quarter. Daiwa Securities Group Inc. now owns 5,681 shares of the company’s stock valued at $66,000 after acquiring an additional 2,497 shares during the last quarter. Royal Bank of Canada boosted its holdings in shares of Flywire by 13.6% in the 4th quarter. Royal Bank of Canada now owns 9,025 shares of the company’s stock worth $128,000 after acquiring an additional 1,081 shares in the last quarter. Jain Global LLC bought a new stake in Flywire during the 4th quarter worth approximately $142,000. Finally, Arrowstreet Capital Limited Partnership acquired a new stake in Flywire during the 2nd quarter valued at $119,000. Institutional investors and hedge funds own 95.90% of the company’s stock.

Key Stories Impacting Flywire

Here are the key news stories impacting Flywire this week:

• Positive Sentiment: Q4 results and guidance — Flywire beat revenue expectations (Q4 revenue $157.54M, +34% Y/Y), reported break‑even EPS versus a loss a year ago, and issued FY‑2026 and Q1 revenue guidance above consensus, supporting upside. Flywire Reports Fourth-Quarter and Fiscal-Year 2025 Financial Results
• Positive Sentiment: Analyst upgrade — Royal Bank of Canada raised its price target from $18 to $20 and set an “outperform” rating, implying substantial upside and giving investors a bullish third‑party view. Benzinga
• Positive Sentiment: 2026 growth outlook — Company guidance and management commentary outline 15%–21% FX‑neutral revenue growth for 2026 with plans to scale EBITDA margins, reinforcing the revenue/growth story investors are rewarding. Seeking Alpha
• Neutral Sentiment: Investor events — Flywire will attend upcoming investor conferences, increasing management access for investors but not an immediate earnings driver. Flywire to Attend Upcoming Investor Conferences
• Negative Sentiment: Analyst trim — Goldman Sachs cut its price target from $17 to $15 and moved to a “neutral” rating, which may cap upside for some investors despite the recent beat. Benzinga
• Negative Sentiment: Options flow — Unusually large put buying (3,805 puts, ~653% above average) signals that some traders are hedging or taking bearish positions, adding short‑term downside pressure or volatility.

Wall Street Analyst Weigh In

A number of research firms have recently commented on FLYW. B. Riley Financial lifted their price target on shares of Flywire from $15.00 to $20.00 and gave the company a “buy” rating in a research report on Friday, January 9th. Wolfe Research reiterated an “outperform” rating and issued a $19.00 target price on shares of Flywire in a report on Wednesday, November 5th. UBS Group boosted their target price on shares of Flywire from $13.50 to $15.50 and gave the stock a “neutral” rating in a research report on Wednesday, November 5th. Morgan Stanley began coverage on Flywire in a research report on Tuesday. They issued an “equal weight” rating and a $15.00 price target on the stock. Finally, Weiss Ratings reiterated a “sell (d)” rating on shares of Flywire in a research note on Thursday, January 22nd. Six investment analysts have rated the stock with a Buy rating, eight have given a Hold rating and two have assigned a Sell rating to the company. Based on data from MarketBeat.com, Flywire has a consensus rating of “Hold” and a consensus price target of $15.88.

Flywire Company Profile

Flywire Corp (NASDAQ: FLYW) is a global payments enablement and software company that specializes in facilitating complex cross-border transactions. Its cloud-based platform streamlines receivables and payer workflows across key verticals including education, healthcare, travel and hospitality, and commercial services. Flywire’s technology integrates with institutional systems to automate payment posting, reconciliation and reporting, aiming to improve the payer experience and accelerate cash flow for its clients.

Founded in 2009 by entrepreneur Iker Marcaide as peerTransfer, the company rebranded as Flywire in 2015.