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Stock Ratings / Consumer Discretionary / FLYW
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Flywire Corporation Voting (FLYW) — RQD Stock Rating Cockpit

$19.49 -1.02% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $19.42

Flywire Corporation Voting (FLYW) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

ROARABLE C • HOLD / WATCH Cap $2.40B
📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card
⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on FLYW Below — or Connect Your Own ChatGPT / Claude
🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is FLYW stock a Buy, Hold, or Sell right now according to Roarable's RQD model?
▼

As of 2026-11-03, Flywire Corporation Voting (NASDAQ: FLYW) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $19.49 (-1.02% 1D, market cap $2.40B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 17/20, SEC Balance-Sheet Forensics 16/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 11/20. Across 1009 tracked Consumer Discretionary issuers, FLYW ranks #245 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief
🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does FLYW compare to PAYO and TIC in the Consumer Discretionary sector?
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Within the Consumer Discretionary sector (Business Services), FLYW carries a Roarable C (64/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 1.8%. By comparison, PAYO (Payoneer Global Inc.) holds a C+ grade (67/100 RQD, P/E 33.0x, ROIC 34.1%, cap $2.42B) and TIC (TIC Solutions Inc.) posts a D grade (47/100 RQD, P/E N/A, ROIC -0.4%, cap $2.19B). Among the 5-stock peer group, TNET leads on earnings multiple (18.9x) while TNET leads on capital efficiency (85.0% ROIC).

✓ Pre-computed one-to-many AI Quant brief
🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for FLYW?
▼

Per FLYW's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001580560), Flywire Corporation Voting generated $623.0M in revenue (+26.6% YoY), $13.5M in net income, and $98.8M in free cash flow against $1.25B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

✓ Pre-computed one-to-many AI Quant brief
🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).
INTERACTIVE SCENARIO DECK:
🛡️ Portfolio Crash X-Ray
EXT / AFTER-HRS: $19.42 (-0.37%)🧬 Cannibal Buyback (-0.96% YoY Shares)⚙️ Cash Engine: 10/20 (D) • 15.9% FCF Margin
Verify 90D Bucket Audit →
📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).
Audit Bucket Track Record →
RQD QUANT TACHOMETERHOLD / WATCH • C
025507510064
Quant Analyst Panel Split (Battleground)
Cash
SEC
Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR RQD RADARRw C · Rk C
Cash (10)Whales (17)SEC (16)Macro (10)CEO (11)
Each axis scored 0–20
12M PRICE TARGET CONE+2.7% Base Target
$24 Bull$20 Base$16 Bear
📬 FREE FLYW RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for FLYW)Realized 20D OHLCV Swing Band: ±6.9%
Deterministic 5-Pillar Attribution (64/100 Composite)
🔍 WHY FLYW SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag
▲ #1 Bullish Driver: Whale & Options Positioning+17/20 pts (27% of score)

20D Institutional Volume Accumulation (±6.9% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+16/20 pts (25% of score)

Altman Z-Score 3.91 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 7/9

▼ #1 Drag / Risk Factor: Macro Regime Fit10/20 pts (-10 pt drag)

Macro rate sensitivity & RSI-14 (61.3) create a -10 pt regime headwind

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current
Q1 (-3Q)
56
Grade C$18.26+2.1% Next Q
Q2 (-2Q)
59
Grade C$18.64+1.1% Next Q
Q3 (-1Q)
61
Grade C$18.84+3.5% Next Q
Current
64
Grade C$19.49+1.1% Hist 90D α
Trajectory: C (56) → C (64)Full Audit →
⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the FLYW Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 64/100 (C) score, FLYW faces multiple-compression risk if current valuation multiples re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Sensitive to high interest rates and tighter Federal Reserve market liquidity.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-0.96% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($18.30) or 200D SMA ($15.58) invalidates the momentum regime and cuts Target Base ($20.02) toward Bear Floor ($15.62).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $FLYW• $2.4M Crowd Pool • Kalshi / Polymarket Composite
Contract: “FLYW Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”
YES 64%NO 36%Trade / Inspect Odds →
RSI-14 MOMENTUMBULLISH MOMENTUM
61.330 Oversold · 70 Hot
ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)
3.91>3.0 Fortress Safe
PIOTROSKI F-SCOREHIGH QUALITY (7–9)
7 / 99-Pt Accounting
52-WEEK LASER RANGE97% OF RANGE
L: $11$19.49H: $20
1. Money & Cash Health● WEAK
Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: DRQD 10 / 20
2. Big Money & Insiders● BUYING
Are whales & executives buying or selling?

Hedge funds and options traders are leaning bullish, showing strong institutional appetite.

Factor Grade: B-RQD 28 / 40
3. Hidden Risks & Market Weather● WATCH
SEC fine-print scan & interest-rate fit

No major SEC filing blowups, though current interest rates and Fed liquidity call for normal position sizing.

Factor Grade: CRQD 26 / 40
MULTI-MODEL QUANT PANEL DELIBERATION

Quant Analyst Panel Split (Battleground) on FLYW

Cash & Moat Bull AI
ROIC & Free Cash Flow Model
BEARISH (50)

1.8% ROIC with 42.0% gross margin and 4.21% FCF yield.

SEC Forensic Auditor AI
10-K Accruals & Altman-Z Guard
BULLISH (80)

Altman-Z 3.91 and Piotroski 7/9 pass balance-sheet audit.

Whale & Macro Hawk AI
Options Skew, 13F & Fed NetLiq
NEUTRAL (63)

28/40 institutional & smart-money positioning score with 10/20 macro alignment.

Bull Case: Why Buyers Like FLYW
  • ✓Big institutional funds and options desks are actively positioning on the bullish side.
  • ✓Clean SEC annual filing review with no major hidden accounting time-bombs.
Bear Case: What Could Go Wrong
  • !Sensitive to high interest rates and tighter Federal Reserve market liquidity.
ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (FLYW Tape Review)

  • ✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
  • ✓Forensic Red-Light accounting & dilution traps to review on your watchlist
  • ✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts
RQD INSIDER CLUB WAITLIST$49/YR PLANNED
Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?
Join Founding VIP Waitlist (No Card Required) →$100K Arena
FLYW // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +37.06%⚡ TESTING RESISTANCE
2026-11-03O $19.29H $19.69L $19.29C $19.49VOL 1.81M
RES: $19.79SUP: $17.46SMA50: $18.30SMA200: $15.58
$20.29$18.21$16.13$14.05$11.96RES $19.79SUP $17.46$19.492026-05-042026-06-172026-08-042026-09-182026-11-03
PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

FLYW Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 FLYW Butterfly Map → + Track FLYW →
Share Count & Dilution Monitor

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle
8.0%/yr Implied 5Y Growth

vs. +26.6% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger

No active Ellis Vennor swing setup published on FLYW today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for FLYW. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video
🎬 No recent verified company-specific video clip queued for FLYW today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →
DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (FLYW)

Consumer Discretionary Rank #245 of 1009 ⚔️ PAYO vs FLYW Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (FLYW vs. PAYO, TIC, TNET, CBZ)

Industry: Business Services (88 Tracked Issuers)

Across 1009 tracked Consumer Discretionary securities in the Roarable RQD universe, Flywire Corporation Voting (FLYW) ranks #245 by composite RQD confidence (64/100, grade C) and #392 by equity capitalization ($2.40B). Within this direct 5-issuer industry benchmark cohort, TNET leads on earnings valuation at 18.9x trailing P/E, while TNET leads on capital efficiency and profitability with 85.0% ROIC and — gross margin. CBZ currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with FLYW at 64/100 (C).

Ticker / Company Roarable Grade RQD Score Trailing P/E Gross Margin ROIC 1D Change Market Cap Head-to-Head
FLYW ACTIVE
Flywire Corporation Voting
C 64/100 — — 1.8% -1.02% $2.40B Benchmark Subject
PAYO
Payoneer Global Inc.
C+ 67/100 33.0x — 34.1% +0.14% $2.42B /payo-vs-flyw →
TIC
TIC Solutions Inc.
D 47/100 — 29.4% -0.4% +2.19% $2.19B /tic-vs-flyw →
TNET
TriNet Group Inc.
C+ 66/100 18.9x — 85.0% +5.09% $2.94B /tnet-vs-flyw →
CBZ
CBIZ Inc.
B- 71/100 25.8x 12.9% 5.9% +0.06% $2.98B /cbz-vs-flyw →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001580560 ↗

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Flywire Corporation Voting (FLYW) reported GAAP revenue of $623.0M (+26.6% vs. FY2024 revenue of $492.1M , and +54.6% cumulative change since FY2023) , GAAP net income of $13.5M, operating cash flow of $100.2M, and free cash flow of $98.8M (+1.1% YoY). On the balance sheet, FLYW closed FY2025 with $1.25B in total assets against $0 in total debt (Altman Z-Score: 3.91, Piotroski F-Score: 7/9).

Fiscal Period Filing Date Revenue Net Income Operating Cash Flow Free Cash Flow Total Assets Total Debt
FY2025 (FY) 2025-12-31 $623.0M $13.5M $100.2M $98.8M $1.25B —
FY2024 (FY) 2024-12-31 $492.1M $2.9M $98.7M $97.7M $1.12B —
FY2023 (FY) 2023-12-31 $403.1M -$8.6M $76.3M $76.3M — —

3. FLYW Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is FLYW stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-03, Flywire Corporation Voting (NASDAQ: FLYW) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $19.49 (-1.02% 1D, market cap $2.40B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 17/20, SEC Balance-Sheet Forensics 16/20, FRED Macro Regime Fit 10/20, and Executive Insider Alignment 11/20. Across 1009 tracked Consumer Discretionary issuers, FLYW ranks #245 in composite RQD confidence.

How does FLYW compare to PAYO and TIC in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), FLYW carries a Roarable C (64/100 RQD), trailing P/E of N/A, gross margin of —, and ROIC of 1.8%. By comparison, PAYO (Payoneer Global Inc.) holds a C+ grade (67/100 RQD, P/E 33.0x, ROIC 34.1%, cap $2.42B) and TIC (TIC Solutions Inc.) posts a D grade (47/100 RQD, P/E N/A, ROIC -0.4%, cap $2.19B). Among the 5-stock peer group, TNET leads on earnings multiple (18.9x) while TNET leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for FLYW?

Per FLYW's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001580560), Flywire Corporation Voting generated $623.0M in revenue (+26.6% YoY), $13.5M in net income, and $98.8M in free cash flow against $1.25B in total assets and $0 in total debt. Key quantitative strengths: Big institutional funds and options desks are actively positioning on the bullish side. Primary risk factors monitored: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Institutional options positioning shows a 50% call / 50% put premium split.

Where is FLYW trading relative to its 50-day, 200-day, and 52-week technical levels?

FLYW last traded at $19.49 (-1.02% on volume of 2,399,862 shares), positioning the stock +6.50% above its 50-day simple moving average ($18.30) and +25.10% above its 200-day simple moving average ($15.58). Across its 52-week range of $10.55 to $19.79, FLYW sits at the 96.8% percentile with a 14-day RSI of 61.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.9% ($18.15 to $20.83).

Direct Sub-Reports: FLYW RQD Cockpit FLYW 12M Forecast FLYW Earnings & Move FLYW Dividends & DRIP FLYW Insiders & 13F FLYW Whale Options FLYW Profit Sankey FLYW News & Why
ROARABLE RATING BRIEF • RQD 64/100 (C) ✓ SEC XBRL & RQD VERIFIED

FLYW — Flywire Corporation Voting: What the Facts Mean to a Prospective Investor

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit
Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Flywire Corporation Voting (FLYW) earns a live Roarable RQD composite score of 64/100, corresponding to a C letter grade (Roarable Hold) at a spot price of $19.49 (-1.02% 1D, market capitalization $2.40B).

  • Fundamental Cash Engine (10/20): Anchored by return on invested capital (ROIC) of 1.8%, gross margin of —, operating margin of 1.8%, and free cash flow yield of 4.21%.
  • Whale 13F & Options Flow (17/20) + Insider Conviction (11/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
  • Macro Regime Fit (10/20) + Forensic Balance Sheet (16/20): Incorporates a 1.00x equity beta, Altman Z-Score of 3.91, Piotroski F-Score of 7/9, and Debt/Equity of N/A.

2. Business Model, Unit Margins & SEC Financial Trajectory

Flywire Corporation Voting (FLYW) is a NASDAQ-listed issuer classified under the Consumer Discretionary sector and the Business Services industry. — regarding specific products, customer base, or revenue model; the profile does not describe what the company sells, to whom, or how it earns revenue.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Flywire Corporation Voting (FLYW) reported $623.0M in annual revenue (up from $492.1M in FY2024, +26.6% YoY) and $13.5M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($403.1M revenue, -$8.6M net income) through FY2025, FLYW scaled operating cash flow to $100.2M and free cash flow to $98.8M, backed by $1.25B in total assets against $0 in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

  • 🐂 Primary Bull Case (C • RQD 64/100): Big institutional funds and options desks are actively positioning on the bullish side. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 10/20 and Institutional Whale Flow at 17/20, sustained execution supports upside toward the upper end of the $10.55 – $19.79 52-week range.
  • 🐻 Primary Bear Case & Valuation Risk: Sensitive to high interest rates and tighter Federal Reserve market liquidity. Investors must weigh current valuation against 1.8% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Operating in Business Services (Consumer Discretionary), FLYW carries a macro regime beta of 1.00 and gross margin of —.

  • Key Question #1: Can FLYW sustain or expand its 1.8% operating margin and 1.8% ROIC against Business Services peers over the next 4 quarters?
  • Key Question #2: Following FY2025 revenue of $623.0M and free cash flow of $98.8M, how will capital allocation balance growth reinvestment against $0 in total debt?
  • Key Question #3: How sensitive is FLYW's equity valuation to Consumer Discretionary capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

FLYW Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Flywire Corporation Voting (FLYW) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to FLYW Debate Forum (3) ↓
🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FLYW Bull vs. Bear Conversation Board — What's Your Call at $19.49?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FLYW 🐻 33% BEARISH CONVICTION
1. Pick Your Side on FLYW:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
AL AlphaFlow_Cap RQD DEBATE OPENER • Verified $100K Arena Trader 🐂 BULLISH 🎯 Target: $24.61 (+25.0%)
📌 Pinned Debate

Forensic balance sheet strength (Altman Z 3.91, Piotroski F 7/9, Debt/Equity 0.5) and a 13% price-target upside provide a supportive ba

Don't sleep on FLYW's setup in Consumer Discretionary. Forensic balance sheet strength (Altman Z 3.91, Piotroski F 7/9, Debt/Equity 0.5) and a 13% price-target upside provide a supportive base for the shares.. Beta of 1.0 means it moves fast when momentum turns, and the 5-pillar RQD gauge (64/100) backs up the fundamental quality.

SectorRotator 🐂 BULL

@AlphaFlow_Cap Agree on the RQD 64/100 quality, though with 1.0 beta I'm scaling in with half-size at $19.69 and keeping dry powder in case we test $18.31.

CR CreditSpread_Watch RQD DEBATE OPENER • Balance Sheet Analyst 🐻 BEARISH 🎯 Target: $15.56 (-21.0%)
Spot @ $19.69

ROIC of 1.8% and a Q2 2026 wider-than-expected loss with dilution risk weigh on the investment case.

Sitting on the sidelines or leaning short FLYW above $19.69. ROIC of 1.8% and a Q2 2026 wider-than-expected loss with dilution risk weigh on the investment case.. Until Fundamental Cash Engine (10/20) and FCF yield (4.21%) inflect higher, upside is capped near $19.79.

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