Flywire vs Paymentus
FLYW and PAY side by side, both in miscellaneous business services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How FLYW and PAY compare
Paymentus is the larger company, worth 1.6 times as much as Flywire ($4.3B against $2.6B).
On earnings, Flywire is cheaper: it trades at 35.8× trailing earnings, against 46.2× for Paymentus.
Flywire grew revenue faster over the last twelve months (31.0% versus 26.5% for Paymentus).
Flywire keeps more of each dollar of sales as profit, with a net margin of 10.3% compared with 6.7% at Paymentus.
Paymentus scores higher on the StockData Score (18 against 11 for Flywire), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | FLYW | PAY |
|---|---|---|
| Size and price | ||
| Market cap | $2.6B | $4.3B |
| Share price | $21.47 | $33.75 |
| Change, 1 year | 56.3% | −10.5% |
| Change, 5 years | −48.5% | 10.2% |
| Beta (5Y) | 1.55 | 1.42 |
| Employees | 1,400 | 1,340 |
| StockData Score | ||
| Total score | 11 | 18 (better) |
| Valuation score | 0 | 2 (better) |
| Growth score | 2 | 5 (better) |
| Performance score | 3 | 5 (better) |
| Health score | 6 | 6 |
| Dividend score | 0 | 0 |
| Valuation | ||
| P/E | 35.8× (better) | 46.2× |
| P/S | 3.4× | 3.0× (better) |
| P/B | 2.9× (better) | 6.6× |
| EV/EBITDA | 36.8× | 28.1× (better) |
| P/FCF | 19.5× (better) | 25.4× |
| FCF yield | 5.1% (better) | 3.9% |
| Fair value | $12.97 | $32.54 |
| Margin of safety | −65.5% | −3.7% (better) |
| Growth | ||
| Revenue growth (TTM) | 31.0% (better) | 26.5% |
| Revenue growth, 5Y average | 36.4% (better) | 31.7% |
| Net income growth (TTM) | – | 59.2% |
| EPS growth (TTM) | – | 58.7% |
| EPS growth, 5Y average | – | 45.4% |
| Profitability | ||
| Gross margin | – | 25.2% |
| Operating margin | 7.8% | 8.2% (better) |
| Net margin | 10.3% (better) | 6.7% |
| FCF margin | 17.6% (better) | 11.8% |
| Return on equity | 9.1% | 16.0% (better) |
| Return on invested capital | 9.9% | 35.8% (better) |
| Financial health | ||
| Debt / equity | 0.00 | 0.00 |
| Interest coverage | 37.0× | – |
| Current ratio | 1.53 | 4.82 (better) |
| Altman Z-score | 4.23 | 24.61 (better) |
| Piotroski F-score | 7 | 7 |
| Dividends and buybacks | ||
| Shareholder yield | 0.00% | 0.00% |
| Ownership | ||
| Held by institutions | 107% | 44.9% |
| Held by insiders | 18.2% | 84.1% |
| Insider net buying, 12 months | −$26.8M | −$7.1M (better) |
| Short interest, % of float | 10.8% | 10.9% |
Go deeper
- FLYW stock overview
- FLYW income statement
- FLYW valuation and score
- PAY stock overview
- PAY income statement
- PAY valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.