Investment Comparison: Flywire vs. Visa
Written by Emily J. Thompson, Senior Investment Analyst
Updated: 1 hour ago
0mins
Source: Fool
- Flywire Financial Performance: Flywire's revenue reached $603 million in FY 2025, representing a 27% year-over-year growth, with a net income of $13.5 million and a net margin of approximately 2.2%, indicating strong growth potential in the high-value payment sector.
- Visa's Market Scale: Visa achieved $40 billion in revenue for FY 2025, an 11.4% increase year-over-year, with a net income of nearly $20.1 billion and a net margin of about 50.1%, leveraging its vast network effect to dominate the global payments market.
- Risk Analysis: Flywire faces risks from government policies restricting international student movement and intense competition from legacy payment providers, while Visa contends with regulatory scrutiny and cybersecurity threats, which could impact their market performance.
- Valuation Comparison: Both companies have an identical forward P/E ratio of 22.2, but Flywire's P/S ratio of 3.0 is significantly lower than Visa's 16.8, highlighting Flywire's attractiveness in terms of growth and valuation, especially regarding future growth potential.
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Analyst Views on FLYW
Wall Street analysts forecast FLYW stock price to rise
9 Analyst Rating
5 Buy
4 Hold
0 Sell
Moderate Buy
Current: 15.860
Low
15.50
Averages
17.10
High
20.00
Current: 15.860
Low
15.50
Averages
17.10
High
20.00
About FLYW
Flywire Corporation is a global payments enablement and software company. The Company combines its global payments network, payments platform and vertical-specific software to deliver important and complex payments for its clients and their customers. It leverages its vertical-specific software and payments technology to embed within the existing accounts receivable (A/R) workflows for its clients across the education, healthcare and travel vertical markets, as well as in key business-to-business (B2B) industries. It also integrates with enterprise resource planning (ERP) systems, such as NetSuite, to optimize the payment experience for their customers while eliminating operational challenges. The Company's payments-as-a-services include payment services, enabling services, and transaction processing services. The Company supports approximately 5000 clients with diverse payment methods in more than 140 currencies across 240 countries and territories around the world.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Investment Comparison: Flywire vs. Visa
- Flywire Financial Performance: Flywire's revenue reached $603 million in FY 2025, representing a 27% year-over-year growth, with a net income of $13.5 million and a net margin of approximately 2.2%, indicating strong growth potential in the high-value payment sector.
- Visa's Market Scale: Visa achieved $40 billion in revenue for FY 2025, an 11.4% increase year-over-year, with a net income of nearly $20.1 billion and a net margin of about 50.1%, leveraging its vast network effect to dominate the global payments market.
- Risk Analysis: Flywire faces risks from government policies restricting international student movement and intense competition from legacy payment providers, while Visa contends with regulatory scrutiny and cybersecurity threats, which could impact their market performance.
- Valuation Comparison: Both companies have an identical forward P/E ratio of 22.2, but Flywire's P/S ratio of 3.0 is significantly lower than Visa's 16.8, highlighting Flywire's attractiveness in terms of growth and valuation, especially regarding future growth potential.
See More
Analysis of Stock Sale by Flywire Director
- Transaction Overview: On June 4, 2026, Edwin J Santos sold 10,466 shares of Flywire Corporation for approximately $154,000, reducing his direct holdings to 18,082 shares valued at around $264,000 post-transaction, indicating a consistent divestment strategy.
- Consistency in Selling Pattern: The number of shares sold aligns with Santos's previous selling patterns, as his last three trades involved approximately 10,460 to 10,466 shares, reflecting a methodical approach to unwinding his position.
- Market Performance Comparison: Since 2021, Flywire's stock has dropped about 60%, while the S&P 500 has risen by 89%, highlighting Flywire's underperformance in the market, although there was a slight improvement in 2026, it still lags behind overall market performance.
- Fundamental Analysis: Despite steady revenue and net income growth over the past five years, Flywire's gross margin has declined from 62% in 2021 to around 56%, indicating profitability challenges as the company enters new, less lucrative markets, prompting investors to carefully assess future growth potential.
See More
Driftwood Hospitality Deploys Flywire Solutions Across 90 Hotels
- Payment Process Modernization: Driftwood Hospitality is deploying Flywire's solutions across nearly 90 hotels in the US, aiming to streamline guest transactions and modernize payment processes, thereby enhancing customer experience and operational efficiency.
- Partnership Expansion: This deployment signifies a deepening of the partnership between Flywire and Driftwood, which manages over 15,000 rooms, including major chains like Hilton and Hyatt as well as independent boutique hotels, thereby strengthening Flywire's market position in the hospitality sector.
- Significant Cost Savings: Over the past five months, Driftwood has reported a 30% reduction in payment processing costs at ten properties, attributed to the adoption of Automated Clearing House (ACH) payments and electronic authorization workflows, which are expected to impact millions in total payment volume.
- Operational Efficiency Improvement: Flywire's technology enables hotels to request payments and digital signatures simultaneously, reducing the burden of manual data entry and significantly improving turnaround times for contract signatures, further optimizing hotel operational workflows.
See More
Inflation Data Triggers Decline in Tech Stocks
- Inflation Impact: The April PPI report revealed accelerating inflation, pushing the 10-year Treasury yield to 4.49%, effectively eliminating hopes for rate cuts in 2026, which raised the discount rate applied to long-duration growth earnings and compressed business valuations.
- Software Sector Pressure: With software prices rising year-over-year, enterprise software spending may face pullbacks; while current revenues are supported, enterprise customers might delay new deployments or consolidate seats to protect their margins, increasing uncertainty in the industry.
- Market Overreaction: Despite the overall decline in tech stocks, with Asure Software, Flywire, and Procore Technologies falling 3.4%, 3.2%, and 3.8% respectively, the market's overreaction may present buying opportunities for investors seeking high-quality stocks.
- Procore Technologies Performance: Procore Technologies has dropped 33.8% year-to-date, currently trading at $46.38, which is 41.7% below its 52-week high of $79.60, indicating market concerns about its future growth, prompting investors to carefully assess its investment value.
See More
Flywire Initiates $50 Million Share Repurchase Program
- Repurchase Program Launch: Flywire announced its intention to repurchase up to $50 million in common stock through an accelerated share repurchase program, reflecting the company's confidence in its long-term value and disciplined capital allocation approach.
- Share Purchase Details: Flywire has entered into an agreement with a pre-IPO shareholder to acquire approximately 1.87 million shares of non-voting common stock for about $29 million, fully funded by cash on hand, indicating the company's flexibility under prevailing market conditions.
- Market Reaction Expectations: This repurchase will replace the need for a formal ASR program, while Flywire will continue to execute its existing $300 million share repurchase authorization, ensuring alignment with return thresholds and broader capital allocation priorities.
- Long-term Strategic Commitment: Flywire aims to maintain an annual net dilution rate of approximately 3% over time and will remain opportunistic in the market when conditions are favorable, intending to create significant value for shareholders while preserving investment flexibility.
See More
Flywire Initiates $50M Accelerated Share Repurchase Program
- Share Repurchase Program: Flywire announced an accelerated share repurchase program of up to $50 million as part of its existing $300 million repurchase initiative, aimed at enhancing shareholder value and boosting market confidence.
- Acquisition Details: The company has entered into a privately negotiated agreement with a pre-IPO shareholder to purchase approximately 1.87 million shares of non-voting common stock for about $29 million, focusing on optimizing its capital structure and reducing the number of outstanding shares.
- Market Reaction: Following the announcement, Flywire's stock price fell 5.20% in premarket trading to $15.50, reflecting a cautious market sentiment regarding the repurchase plan, which may impact investor confidence.
- Financial Performance: Flywire's recent earnings report revealed a GAAP EPS of $0.10, beating expectations by $0.06, and revenue of $188.11 million, exceeding forecasts by $17.52 million, indicating the company's potential for growth and profitability.
See More
Investment Comparison: Flywire vs. Visa
- Flywire Financial Performance: Flywire's revenue reached $603 million in FY 2025, representing a 27% year-over-year growth, with a net income of $13.5 million and a net margin of approximately 2.2%, indicating strong growth potential in the high-value payment sector.
- Visa's Market Scale: Visa achieved $40 billion in revenue for FY 2025, an 11.4% increase year-over-year, with a net income of nearly $20.1 billion and a net margin of about 50.1%, leveraging its vast network effect to dominate the global payments market.
- Risk Analysis: Flywire faces risks from government policies restricting international student movement and intense competition from legacy payment providers, while Visa contends with regulatory scrutiny and cybersecurity threats, which could impact their market performance.
- Valuation Comparison: Both companies have an identical forward P/E ratio of 22.2, but Flywire's P/S ratio of 3.0 is significantly lower than Visa's 16.8, highlighting Flywire's attractiveness in terms of growth and valuation, especially regarding future growth potential.
See More
Analysis of Stock Sale by Flywire Director
- Transaction Overview: On June 4, 2026, Edwin J Santos sold 10,466 shares of Flywire Corporation for approximately $154,000, reducing his direct holdings to 18,082 shares valued at around $264,000 post-transaction, indicating a consistent divestment strategy.
- Consistency in Selling Pattern: The number of shares sold aligns with Santos's previous selling patterns, as his last three trades involved approximately 10,460 to 10,466 shares, reflecting a methodical approach to unwinding his position.
- Market Performance Comparison: Since 2021, Flywire's stock has dropped about 60%, while the S&P 500 has risen by 89%, highlighting Flywire's underperformance in the market, although there was a slight improvement in 2026, it still lags behind overall market performance.
- Fundamental Analysis: Despite steady revenue and net income growth over the past five years, Flywire's gross margin has declined from 62% in 2021 to around 56%, indicating profitability challenges as the company enters new, less lucrative markets, prompting investors to carefully assess future growth potential.
See More
Driftwood Hospitality Deploys Flywire Solutions Across 90 Hotels
- Payment Process Modernization: Driftwood Hospitality is deploying Flywire's solutions across nearly 90 hotels in the US, aiming to streamline guest transactions and modernize payment processes, thereby enhancing customer experience and operational efficiency.
- Partnership Expansion: This deployment signifies a deepening of the partnership between Flywire and Driftwood, which manages over 15,000 rooms, including major chains like Hilton and Hyatt as well as independent boutique hotels, thereby strengthening Flywire's market position in the hospitality sector.
- Significant Cost Savings: Over the past five months, Driftwood has reported a 30% reduction in payment processing costs at ten properties, attributed to the adoption of Automated Clearing House (ACH) payments and electronic authorization workflows, which are expected to impact millions in total payment volume.
- Operational Efficiency Improvement: Flywire's technology enables hotels to request payments and digital signatures simultaneously, reducing the burden of manual data entry and significantly improving turnaround times for contract signatures, further optimizing hotel operational workflows.
See More
Inflation Data Triggers Decline in Tech Stocks
- Inflation Impact: The April PPI report revealed accelerating inflation, pushing the 10-year Treasury yield to 4.49%, effectively eliminating hopes for rate cuts in 2026, which raised the discount rate applied to long-duration growth earnings and compressed business valuations.
- Software Sector Pressure: With software prices rising year-over-year, enterprise software spending may face pullbacks; while current revenues are supported, enterprise customers might delay new deployments or consolidate seats to protect their margins, increasing uncertainty in the industry.
- Market Overreaction: Despite the overall decline in tech stocks, with Asure Software, Flywire, and Procore Technologies falling 3.4%, 3.2%, and 3.8% respectively, the market's overreaction may present buying opportunities for investors seeking high-quality stocks.
- Procore Technologies Performance: Procore Technologies has dropped 33.8% year-to-date, currently trading at $46.38, which is 41.7% below its 52-week high of $79.60, indicating market concerns about its future growth, prompting investors to carefully assess its investment value.
See More
Flywire Initiates $50 Million Share Repurchase Program
- Repurchase Program Launch: Flywire announced its intention to repurchase up to $50 million in common stock through an accelerated share repurchase program, reflecting the company's confidence in its long-term value and disciplined capital allocation approach.
- Share Purchase Details: Flywire has entered into an agreement with a pre-IPO shareholder to acquire approximately 1.87 million shares of non-voting common stock for about $29 million, fully funded by cash on hand, indicating the company's flexibility under prevailing market conditions.
- Market Reaction Expectations: This repurchase will replace the need for a formal ASR program, while Flywire will continue to execute its existing $300 million share repurchase authorization, ensuring alignment with return thresholds and broader capital allocation priorities.
- Long-term Strategic Commitment: Flywire aims to maintain an annual net dilution rate of approximately 3% over time and will remain opportunistic in the market when conditions are favorable, intending to create significant value for shareholders while preserving investment flexibility.
See More
Flywire Initiates $50M Accelerated Share Repurchase Program
- Share Repurchase Program: Flywire announced an accelerated share repurchase program of up to $50 million as part of its existing $300 million repurchase initiative, aimed at enhancing shareholder value and boosting market confidence.
- Acquisition Details: The company has entered into a privately negotiated agreement with a pre-IPO shareholder to purchase approximately 1.87 million shares of non-voting common stock for about $29 million, focusing on optimizing its capital structure and reducing the number of outstanding shares.
- Market Reaction: Following the announcement, Flywire's stock price fell 5.20% in premarket trading to $15.50, reflecting a cautious market sentiment regarding the repurchase plan, which may impact investor confidence.
- Financial Performance: Flywire's recent earnings report revealed a GAAP EPS of $0.10, beating expectations by $0.06, and revenue of $188.11 million, exceeding forecasts by $17.52 million, indicating the company's potential for growth and profitability.
See More
