What is FLYW's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for FLYW.

Stock Ratings / Consumer Discretionary / FLYW / options

PAYO (67) TIC (47) TNET (66) CBZ (71) ⌘ Pro Terminal →

Flywire Corporation Voting (FLYW) Options Positioning, Max Pain & Unusual Sweeps

$19.69 +2.07% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $19.73

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.

📊 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) →

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 $19.69 (+2.07% 1D, market cap $2.40B). Pillar breakdown: Fundamental Cash Engine 10/20, Institutional 13F & Options Flow 17/20, Executive Insider Alignment 16/20, FRED Macro Regime Fit 10/20, and SEC Balance-Sheet Forensics 11/20. Across 1011 tracked Consumer Discretionary issuers, FLYW ranks #247 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?

▼

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: $19.73 (+0.18%)🧬 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

JEV AI Jury 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 SNOWFLAKE RADARRw C · Rk C

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

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)

Grade C$18.26+2.1% Next Q

Q2 (-2Q)

Grade C$18.64+1.1% Next Q

Q3 (-1Q)

Grade C$18.84+4.5% Next Q

Current

Grade C$19.69+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 ($20.22) toward Bear Floor ($15.77).

🎲 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 →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±6.9%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (FLYW)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for FLYW.

Sponsored / Partner SpotlightACTIVE TRADER & PROP EVALUATION DESK

Practice in Our Weekly $100,000 Paper Arena Before Risking Personal Capital

Keep your personal nest egg in cash while trading NQ, ES, Crude, and Gold momentum using institutional prop-desk buying power.

FTC Disclosure: Roarable may receive partner referral compensation at no cost to you. Partner relationships never influence RQD scores.

🏆 Enter Free $100K Paper Arena →

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating FLYW & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on FLYW
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

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: +38.47%⚡ TESTING RESISTANCE

2026-11-03O $19.29H $19.69L $19.29C $19.69VOL 1.81M

RES: $19.79SUP: $17.46SMA50: $18.30SMA200: $15.58

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 (#25)

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

Reverse-DCF Expectations Hurdle (#30)

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 (#33)

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 #247 of 1011 ⚔️ PAYO vs FLYW Full Matrix →

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

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Flywire Corporation Voting (FLYW) ranks #247 by composite RQD confidence (64/100, grade C) and #394 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%	+2.07%	$2.40B	Benchmark Subject
PAYO Payoneer Global Inc.	C+	67/100	33.0x	—	34.1%	+0.42%	$2.42B	/payo-vs-flyw →
TIC TIC Solutions Inc.	D	47/100	—	29.4%	-0.4%	-3.27%	$2.19B	/tic-vs-flyw →
TNET TriNet Group Inc.	C+	66/100	18.9x	—	85.0%	+0.91%	$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?

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

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

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

FLYW last traded at $19.69 (+2.07% on volume of 1,809,994 shares), positioning the stock +7.60% above its 50-day simple moving average ($18.30) and +26.38% above its 200-day simple moving average ($15.58). Across its 52-week range of $10.55 to $19.79, FLYW sits at the 98.9% percentile with a 14-day RSI of 61.3 (BULLISH MOMENTUM) and an implied next-earnings move of ±6.9% ($18.33 to $21.05).

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) ✓ STAGE-C NUMBER FIREWALL VERIFIED

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

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:25:59Z

Roarable Rating Brief: What This Means to a Prospective Investor

Per the Roarable RQD rating, FLYW scores 63 out of 100, graded C, with the verdict "Roarable Hold — Fair / Balanced Risk-Reward." The five pillars are:

Fundamental Cash Engine (10 / 20): Per the RQD rating, this pillar reflects ROIC of 1.8% and an FCF yield of 4.21%. For a prospective investor, the low ROIC indicates limited current efficiency in converting invested capital into returns, while the FCF yield offers a modest cash-generation signal relative to the share price.
Whale 13F Flow (16 / 20): Per the RQD rating, this pillar is labeled as institutional accumulation and options positioning.
Insider Conviction (11 / 20): Per the RQD rating, this pillar reflects SEC Form 4 and Congressional PTR cluster flow. The below-midpoint score signals limited insider conviction in either direction; the underlying trade detail is not provided.
Macro Regime Fit (10 / 20): Per the RQD rating, beta is 1.0 with sector sensitivity noted. A beta of 1.0 implies the stock moves in line with the broader market, so it offers no defensive cushion and no obvious macro tailwind from this measure alone.
Forensic Balance Sheet (16 / 20): Per the RQD rating, the Altman Z-Score is 3.91, the Piotroski F-Score is 7/9, and Debt/Equity is 0.5. This is the strongest pillar and supports the view that near-term solvency risk is contained.

Taken together, the investor implications are: the balance sheet and institutional flow provide the upside foundation, while weak ROIC and muted insider conviction limit the case for re-rating. Valuation tradeoffs center on whether the 4.21% FCF yield is sufficient compensation given the 1.8% ROIC. The grade reflects a balanced profile rather than a clear directional signal.

Business

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.

Recent Catalysts & News Wire Analysis

Price target raise (GREEN, CATALYST): A TradingView headline reports the 12-month price target raised to $21.33, implying 13% upside.
Q3'26 earnings preview (YELLOW, MARKET WIRE): A headline cites a revenue estimate of 233.26M USD for Q3'26.
Q2 2026 earnings loss (RED, RISK WATCH): Two headlines report a wider-than-expected loss pressuring shares, with a share dilution risk flagged in one.

The butterfly supply-chain graph lists sector as Consumer Discretionary and supply chain as NONE, with no butterfly links and no proprietary signals.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

— The Butterfly Supply-Chain Graph reports no supply-chain dependencies and no butterfly links, so upstream/downstream relationships, sector correlations, and 2nd-order bottlenecks cannot be identified from the provided material.

Analyst View & Smart Money Ownership

— No analyst consensus rating or price target data is provided; the analyst data field is NONE. No holder, 13F, Form 4, or Congressional trade detail is provided; the holders field is NONE.

Open Questions

What are Flywire's core products, customer segments, and revenue model? The profile does not describe the business.
What are the trailing and forward P/E and EV/EBITDA multiples, and how do they compare with peers?
What is the debt balance and EPS history, given that both are reported as N/A in the financials?
What is the scale and direction of the share dilution risk flagged in the Q2 2026 headlines?
Which institutions hold the stock, and what do the insider Form 4 and Congressional trades show?

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) ↓

🟢 CATALYST TradingView • 19h ago

Flywire Corporation - Voting Stock 12‑Month Price Target Raised to $21.33, Implies 13% Upside

TradingView report covering Flywire Corporation Voting (FLYW) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 22h ago

FLYW Q3'26 Earnings: revenue estimate is 233.26M USD

TradingView report covering Flywire Corporation Voting (FLYW) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔴 RISK WATCH https://www.dars.gov.et/ • 1d ago

FLYW Q2 2026 Earnings: Wider-Than-Expected Loss Pressures Shares - Share Dilution Risk

https://www.dars.gov.et/ report covering Flywire Corporation Voting (FLYW) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 1d ago

Flywire earnings: what to look for from FLYW

Global payments company Flywire (NASDAQ:FLYW) will be reporting results this Tuesday after the bell. Here’s what to expect.

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 4d ago

Circle Stock And 2 Payment Plays After The Stablecoin Freeze

A record sized US$5.6b breach at Binance and the freezing of US$1.8b in major stablecoins have turned crypto infrastructure from a background plumbing story into front page risk. That kind of shock can reprice trust, pus

Read Full Source ↗

🟡 MARKET WIRE Yahoo • 4d ago

Liquidity Services Inc. Implements Flywire to Process Domestic and Cross-Border B2B Payments for Global E-Commerce Platform

Liquidity Services, Inc. (NASDAQ:LQDT) a leading global commerce company powering the circular economy, partnered with Flywire to turn on localized, secure and compliant workflows and support cross-border business in 100

Read Full Source ↗

🟢 CATALYST Benzinga • 5d ago

Morgan Stanley Maintains Overweight on Flywire, Raises Price Target to $24

Morgan Stanley analyst James Faucette maintains Flywire (NASDAQ:FLYW) with a Overweight and raises the price target from $22 to $24.

Read Full Source ↗

🟢 CATALYST Yahoo • 10d ago

MarketBeat Week in Review – 10/19 - 10/23

A market sell-off spread beyond tech as oil prices surged and AI concerns grew. MarketBeat analysts recap the week's top stories on earnings, from Halliburton to Meta Platforms and General Motors.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

FLYW Bull vs. Bear Conversation Board — What's Your Call at $19.69?

🐂 50% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON FLYW 🐻 50% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk ⚖️ DEBATE HOST 🎯 Target: $20.83 (+8.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is FLYW (C • RQD 63/100) a Buy at $19.29?

Welcome to the FLYW (Flywire Corporation Voting) Roar Pit. Current RQD Composite is 63/100 (Roarable Hold — Fair / Balanced Risk-Reward) in Business Services. Bulls point to operating leverage and sector positioning, while bears focus on macro rate sensitivity and margin execution. Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.

BE BearTrap_Alert Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $14.66 (-24.0%)

Spot @ $19.29

Pump the brakes on FLYW — check the valuation vs. margin headwinds

Everyone in here is repeating the bull case on FLYW, but look at what you are paying: current EV/EBITDA multiples with tightening sector spreads. Unless Flywire Corporation Voting expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.

MI MidwestValue Verified K Arena Trader 🐂 BULLISH 🎯 Target: $23.53 (+22.0%)

Spot @ $19.29

FLYW cash flow & RQD setup is being underpriced by the Street here

Looking at the 5-pillar RQD breakdown on FLYW, the market is fixating on short-term headline noise in Business Services and ignoring the balance sheet and cash flow trajectory. At $19.29 (52-wk range $10.55 - $19.79), any beat on forward guidance forces shorts and underweight funds to chase.