Flywire (NASDAQ:FLYW) Releases Earnings Results, Beats Expectations By $105.56 EPS

Flywire (NASDAQ:FLYW) announced its quarterly earnings data on Tuesday. The company reported $105.55 earnings per share for the quarter, beating the consensus estimate of ($0.01) by $105.56, reports. Flywire had a negative net margin of 0.42% and a positive return on equity of 0.80%. The business had revenue of $157.54 million for the quarter, compared to analyst estimates of $144.96 million. During the same period in the prior year, the business posted ($0.12) earnings per share. Flywire’s revenue was up 34.0% compared to the same quarter last year.

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 Up 9.3%

Flywire stock traded up $1.05 during midday trading on Wednesday, reaching $12.29. The stock had a trading volume of 3,308,506 shares, compared to its average volume of 1,455,412. The stock has a market capitalization of $1.50 billion, a P/E ratio of -615.44, a price-to-earnings-growth ratio of 1.20 and a beta of 1.28. The firm’s fifty day simple moving average is $13.09 and its 200-day simple moving average is $13.23. The company has a debt-to-equity ratio of 0.02, a quick ratio of 1.53 and a current ratio of 1.53. Flywire has a 1-year low of $8.20 and a 1-year high of $15.25.

Wall Street Analysts Forecast Growth

Several equities analysts have recently issued reports on the company. Weiss Ratings restated a “sell (d)” rating on shares of Flywire in a research report on Thursday, January 22nd. Stephens upgraded shares of Flywire from an “equal weight” rating to an “overweight” rating and upped their price objective for the company from $17.00 to $19.00 in a research report on Friday, January 16th. Zacks Research upgraded Flywire from a “strong sell” rating to a “hold” rating in a report on Wednesday, November 19th. B. Riley Financial lifted their price objective on Flywire from $15.00 to $20.00 and gave the company a “buy” rating in a report on Friday, January 9th. Finally, Truist Financial set a $17.00 target price on Flywire in a research note on Tuesday, January 20th. Six analysts have rated the stock with a Buy rating, eight have given a Hold rating and two have given a Sell rating to the stock. According to data from MarketBeat, the company presently has an average rating of “Hold” and a consensus target price of $15.88.

Key Headlines Impacting Flywire

Here are the key news stories impacting Flywire this week:

• Positive Sentiment: Q4 results beat expectations: Flywire reported revenue of $157.5M (+34% YoY) and delivered break‑even EPS well above estimates; management released slide deck and press release alongside the results, which investors viewed favorably. Flywire Reports Fourth-Quarter and Fiscal-Year 2025 Financial Results
• Positive Sentiment: Raised guidance: Flywire provided stronger-than-expected revenue outlook for Q1 and FY2026 (Q1: $162.2M–$167.3M; FY: ~$693.6M–$729.8M vs. consensus ~ $690M), which supports upside to near-term revenue trajectory. Press Release / Slide Deck
• Positive Sentiment: Analysts highlight growth and margin cadence: Flywire outlined FX‑neutral revenue growth of 15%–21% for 2026 while planning to scale EBITDA margins — a clear path to improved profitability that investors reward. Flywire outlines 15%-21% FX-neutral revenue growth for 2026
• Positive Sentiment: Broker upgrade / price‑target lift: RBC raised its price target from $18 to $20 and kept an “outperform” rating, implying material upside from current levels — this likely helped buyer sentiment. Benzinga
• Neutral Sentiment: Investor outreach: Flywire will attend upcoming investor conferences, giving management more opportunities to detail strategy and outlook to institutional investors. Flywire to Attend Upcoming Investor Conferences
• Negative Sentiment: Unusual put-option activity: There was a 653% jump in put purchases (3,805 contracts) versus average, signaling that some traders are hedging or speculating on near-term downside — a potential source of volatility.

Insider Transactions at Flywire

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

Institutional Trading of Flywire

Institutional investors and hedge funds have recently added to or reduced their stakes in the company. Wellington Management Group LLP grew its position in shares of Flywire by 43.8% in the 4th quarter. Wellington Management Group LLP now owns 4,828,197 shares of the company’s stock valued at $68,367,000 after acquiring an additional 1,470,011 shares during the period. Marshall Wace LLP lifted its stake in Flywire by 32.8% in the 3rd quarter. Marshall Wace LLP now owns 1,851,327 shares of the company’s stock valued at $25,067,000 after purchasing an additional 456,783 shares during the last quarter. Primecap Management Co. CA grew its holdings in Flywire by 1.8% during the fourth quarter. Primecap Management Co. CA now owns 1,572,500 shares of the company’s stock worth $22,267,000 after purchasing an additional 27,260 shares during the period. Franklin Resources Inc. grew its holdings in Flywire by 1.6% during the third quarter. Franklin Resources Inc. now owns 1,388,639 shares of the company’s stock worth $18,802,000 after purchasing an additional 22,188 shares during the period. Finally, Millennium Management LLC increased its position in Flywire by 15.1% during the first quarter. Millennium Management LLC now owns 1,330,971 shares of the company’s stock worth $12,644,000 after buying an additional 175,007 shares during the last quarter. 95.90% of the stock is owned by institutional investors.

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.