Value
6.4/10data confidence 100%| Component | Sub-score |
|---|---|
| P/E | 1.9 |
| P/S | 8.5 |
| EV/EBITDA | 0.0 |
| Fwd P/E | 9.0 |
| PEG | 10.0 |
| Analyst target | 6.0 |
- ▸Forward P/E: 11.7x
- ▸PEG: 0.03
FLYW · Why this verdict
Why Flywire Corporation - Voting (FLYW) is rated HOLD
Updated
Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results.
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VerdictHOLD
Overall score6.4/10
ConfidenceMEDIUM
MacroNEUTRAL
Per-dimension breakdown
Quality
5.5/10data confidence 100%| Component | Sub-score |
|---|---|
| ROE | 1.2 |
| ROA | 1.3 |
| Gross margin | 8.1 |
| Op margin | 2.6 |
| Net margin | 2.2 |
| Current ratio | 6.2 |
| FCF quality | 10.0 |
| Moat | 7.9 |
| Piotroski F | 10.0 |
- ▸Excellent cash conversion: 532% FCF/NI
- ▸Wide economic moat
- ▸Strong Piotroski F-Score: 9/9
Growth
10.0/10data confidence 33%| Component | Sub-score |
|---|---|
| Rev growth | 10.0 |
- ▸Strong growth: 41% YoY
Momentum
5.1/10data confidence 100%| Component | Sub-score |
|---|---|
| RSI | 8.0 |
| MACD | 0.0 |
| OBV | 10.0 |
| MA position | 6.0 |
| Volume | 1.7 |
- ▸Uptrend pullback (RSI 35) - buy opportunity
- ▸Volume accumulation (rising OBV)
- ▸Above 200-day MA
Sentiment
7.1/10data confidence 100%| Component | Sub-score |
|---|---|
| Analyst rating | 7.2 |
| Price target | 8.5 |
| erm sentiment | 5.5 |
- ▸Analyst upside: 29%
Insider
3.3/10data confidence 75%| Component | Sub-score |
|---|---|
| materiality | 3.0 |
| insider conviction | 2.0 |
| holder change | 5.0 |
- ▸Notable insider selling — $6,224,869 (0.343% of mkt cap)
Peer rank
6.4/10data confidence 80%| Component | Sub-score |
|---|---|
| value rank | 4.4 |
| quality rank | 2.9 |
| growth rank | 8.8 |
- ▸Industry growth leader
- ▸Conservative debt levels
Technical
6.7/10data confidence 100%| Component | Sub-score |
|---|---|
| bollinger | 6.9 |
| support resistance | 7.0 |
| 52w position | 6.3 |
Risk (lower is worse)
4.9/10data confidence 100%| Component | Sub-score |
|---|---|
| short interest | 7.6 |
| days to cover | 8.7 |
| volatility | 0.5 |
| put call | 0.0 |
| implied vol | 2.5 |
| max pain risk | 5.0 |
| beta | 5.6 |
| debt equity | 9.3 |
- ▸Elevated put/call: 8.50
- ▸High IV: 65%
Catalyst
6.4/10data confidence 100%| Component | Sub-score |
|---|---|
| erm | 5.0 |
| earnings history | 5.6 |
| earnings timing | 5.0 |
| surprise avg | 10.0 |
How the verdict was assembled
Engine trigger
Maintain position. Not compelling to add more.
Engine technical detail
verdict_path:
L4:PATH_F_HOLDPassed (7)
- MOMENTUM:5.1>=4.5
- INSIDER:OK
- 8K:CLEAN
- NEWS_EVENTS:NONE_RECENT
- EARNINGS_PROXIMITY:51d clear
- SEMI_CYCLE_PEAK:CLEAR
- MATERIALS_CYCLE_PEAK:CLEAR
Failed (1)
- ASYMMETRY:1.3<1.5@spot
Warning (1)
- MOMENTUM:5.1<5.5 (soft — BUY_NOW allowed but watch)
Reward-to-Risk
1.29
Upside
+12.4%
Downside
9.6%
Sizing output
AVOID
SetupUNKNOWN — No clear chart pattern; technical signals are mixed
EdgeNO_EDGE — No clear edge identified
SuitabilityAGGRESSIVE — Beta 1.34>1.3, MCap $1.8B<$5B
Investment implication
None of the engine's positive-conviction paths (C-quality, D-momentum) triggered — the F-path HOLD reflects balanced signals. Strongest-cleared gate: MOMENTUM:5.1>=4.5. Top dim: Growth at 10.0; weakest: Insider at 3.3. No conviction either direction.
The strongest dimensions are Growth at 10.0, Sentiment at 7.1, and Technical at 6.7; the weakest are Insider at 3.3, Risk (lower is worse) at 4.9, and Momentum at 5.1. The V9 engine flagged 1 failed gate with 1 warning, producing an asymmetric reward-to-risk of 1.29 and an engine sizing output of AVOID.