NASDAQ$FLYW

Flywire Corporation · Q4 2023 earnings

Q4 2023 earnings · · Investor relations

Briefing

Flywire's Q4 2023 financial results were reported, showing substantial year-over-year revenue growth.

Flywire reported a strong fourth quarter with a 37.5% increase in revenue compared to the previous year, reaching $100.5 million. The company's net income turned positive, and Total Payment Volume increased by 33.2%.

  • Revenue increased by 37.5% year-over-year to $100.5 million.
  • Gross Profit increased to $61.8 million, with a Gross Margin of 61.5%.
  • Net income was $1.3 million, a significant improvement from the previous year's net loss of $1.1 million.
  • Total Payment Volume increased by 33.2% to $5.4 billion.

Headline financials

Total Revenue

$101M

Previous: $73.1M+37.6%
EPS (adj)

$0.01

Previous: -$0.01+200.0%
Total Payment Volume

$5.4B

Previous: $4.1B+31.7%
Revenue Less Ancillary Services

$96.1M

No prior period
Adjusted Gross Profit

$63.5M

No prior period
Adjusted Gross Margin

66.1%

No prior period
Adjusted EBITDA

$7.7M

No prior period
Adjusted EBITDA Margin

8.0%

No prior period
Capital Expenditures

-$5.07M

No prior period
Net Income

$1.3M

Previous: -$1.1M+218.2%
Operating Income

-$10M

Previous: -$9.37M-7.0%
Gross Profit

$61.8M

Previous: $41.5M+48.9%
R&D Expense

$12.6M

No prior period
Stock-Based Comp

$12.4M

No prior period

Revenue & EPS history

Flywire · Revenue · Quarterly

$101M

Q4 2023+37.6%vs Q4 2022
Beat estimate in 11 of 15 quarters(73%)
ActualEstimate

Forward guidance

Flywire anticipates revenue less ancillary services to grow 30% for fiscal year 2024, with an expected improvement in adjusted EBITDA as a percentage of revenue less ancillary services.

Tailwinds

  • Revenue for fiscal-year 2024 is projected to be between $501 million and $535 million.
  • Revenue less ancillary services for fiscal-year 2024 is expected to be between $483 million and $509 million.
  • Adjusted EBITDA for fiscal-year 2024 is forecasted to be between $65 million and $76 million.
  • Revenue for the first quarter of 2024 is expected to be between $110 million and $117 million.
  • Adjusted EBITDA for the first quarter of 2024 is projected to be between $9 million and $11 million.

Headwinds

  • First quarter results are expected to be impacted by Canadian regulatory changes.
  • Canadian regulatory changes are expected to reduce international study permit applications.
  • Some Canadian applications may be delayed until later in the year.
  • Changes may lead some students to study in other countries.
  • Foreign exchange rates prevailing as of December 31, 2023, have been assumed.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q4 2023

Historical avgQ4 2023

-0.1%

Avg return

Earnings day

+2.4%

Avg return

5 days after

+2.0%

Avg return

30 days after

64%

14 / 22 earnings

Positive

+19.6%

Q4 2023

Best reaction

-37.4%

Q4 2024

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+2.2%+21.2%+2.5%
Q4 2025+11.4%+10.6%+1.1%
Q3 2025+0.1%+2.2%+0.5%
Q1 2025+8.4%+12.5%+4.6%
Q4 2024-37.4%-39.0%-45.6%
Q3 2024+16.9%+26.1%+19.6%
Q2 2024+1.5%+0.0%-2.6%
Q1 2024-13.8%-12.1%-13.2%
Q4 2023+19.6%+17.1%+2.9%
Q3 2023-24.2%-27.1%-17.9%
Q2 2023+2.3%-8.3%-2.2%
Q1 2023-0.9%-0.1%+8.5%
Q4 2022+5.0%+12.7%+18.3%
Q3 2022+6.0%+22.9%+19.2%
Q2 2022+10.2%+8.6%+6.0%
Q1 2022-14.0%-10.5%-20.9%
Q4 2019+5.9%+8.8%+10.7%
Q4 2021+1.8%-3.1%+22.7%
Q3 2020-1.3%+0.1%-9.1%
Q3 2021-0.6%-1.3%-11.8%
Q4 2020-4.5%-1.1%+16.9%
Q2 2021+3.9%+11.8%+34.1%
Q1 2021
Q2 2020
Q1 2020

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