Flywire (FLYW) has drawn investor attention after recent trading that leaves the payments firm with a one-month return of a 24% decline and a three-month return of a 22% decline, sharpening focus on its fundamentals.

At a share price of US$10.79, Flywire’s recent 1 month share price return of a 24.55% decline and 1 year total shareholder return of a 46.02% loss suggest momentum has been fading as investors reassess growth potential and risk.

If you are rethinking your exposure to payments and fintech, it could be a good moment to broaden your watchlist with our screener of 23 top founder-led companies.

With Flywire trading at US$10.79, a value score of 4, an estimated 27.29% intrinsic discount and a sizeable gap to analyst targets, you have to ask: is there a mispricing here, or is the market already factoring in its future growth?

Most Popular Narrative: 35% Undervalued

Against Flywire's last close of $10.79, the most followed narrative points to a fair value of $16.59, framing a sizeable discount that hinges on how its payments platform scales from here.

Ongoing investment in proprietary technology, AI-driven automation, and integration capabilities is yielding significant platform efficiencies (e.g., 25% operational cost improvements, 90% automated payment matching, and 40% automated customer service), which supports Flywire's ability to maintain or increase net margins and deliver stronger earnings leverage as scale increases.

Curious how those efficiency gains translate into the $16.59 fair value? The narrative leans heavily on compounding revenue, rising margins, and a future earnings multiple that assumes real scale benefits.

Result: Fair Value of $16.59 (UNDERVALUED)

However, this story can change quickly if tighter visa rules hit education payment volumes, or if lower margin travel and B2B growth keeps pressuring overall profitability.

Build Your Own Flywire Narrative

If you see the story differently or prefer to weigh the numbers yourself, you can build your own view in a few minutes, starting with Do it your way.

A great starting point for your Flywire research is our analysis highlighting 3 key rewards and 1 important warning sign that could impact your investment decision.

Looking for more investment ideas?

If Flywire has you rethinking your next move, do not stop here. Broaden your search and let data driven ideas lead you to your next watchlist candidate.

• Chase value by reviewing companies our screener highlights as 55 high quality undervalued stocks that may offer a more attractive entry point based on their current fundamentals.
• Prioritise resilience with a focus on businesses in our 85 resilient stocks with low risk scores that score well on financial stability and measured risk profiles.
• Hunt for potential early stage opportunities through our 27 elite penny stocks with strong financials where smaller companies with meaningful fundamentals are grouped for closer inspection.

This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned.