FLYWMEDIUM SIGNALFINANCIAL10-K

FLYW achieved a dramatic turnaround from operating losses to profitability while growing revenue 27%, though cash declined significantly and share count decreased.

The company's shift from a $7.3M operating loss to $11.3M operating income represents a major operational improvement, suggesting management has successfully controlled costs while scaling the business. However, the 33% decline in cash reserves to $330M and 2% reduction in outstanding shares may indicate either strategic share buybacks or cash management concerns that warrant monitoring.

Comparing 2026-02-24 vs 2025-02-26View on EDGAR →
FINANCIAL ANALYSIS

FLYW delivered strong financial performance with revenue growing 27% to $623M and achieving profitability turnaround from -$7.3M to +$11.3M in operating income, while net income surged 365% to $13.5M. The company expanded operations with accounts receivable up 47% and increased current liabilities by 39%, reflecting business growth. However, cash declined substantially by 33% to $330M and current assets fell 21%, suggesting either strategic capital deployment or potential liquidity management that investors should monitor closely.

FINANCIAL STATEMENT CHANGES
Net Income
P&L
+365.4%
$2.9M$13.5M

Net income grew 365.4% — bottom-line growth signals improving overall business health.

Operating Income
P&L
+255.7%
-$7.3M$11.3M

Operating leverage kicking in — revenue growth outpacing cost growth, a hallmark of scaling businesses.

Interest Expense
P&L
-69.3%
$1.2M$372K

Interest expense declined — debt repayment or refinancing at lower rates improving earnings quality.

Accounts Receivable
Balance Sheet
+46.7%
$23.7M$34.8M

Receivables surged 46.7% — revenue recognized but not yet collected; watch for collection issues or channel stuffing.

Capital Expenditure
Cash Flow
+46.1%
$924K$1.4M

Capital expenditure jumped 46.1% — major investment cycle underway; assess returns on deployment.

Current Liabilities
Balance Sheet
+38.6%
$289.8M$401.8M

Current liabilities surged 38.6% — significant near-term obligations; verify ability to meet short-term debt.

Total Liabilities
Balance Sheet
+35.9%
$307.7M$418.1M

Liabilities grew 35.9% — significant increase in debt or obligations, assess impact on financial flexibility.

Cash & Equivalents
Balance Sheet
-33.3%
$495.2M$330.3M

Cash declined 33.3% — significant cash burn or deployment; verify adequacy of remaining liquidity runway.

Revenue
P&L
+26.6%
$492.1M$623.0M

Revenue growing 26.6% — solid top-line momentum, watch margins for quality of growth.

Current Assets
Balance Sheet
-21.1%
$762.9M$602.3M

Current assets declined 21.1% — monitor working capital adequacy and short-term liquidity.

LANGUAGE CHANGES
NEW — 2026-02-24
PRIOR — 2025-02-26
ADDED
As of February 20, 2026 , the registrant had 119,330,978 shares of voting common stock, $0.0001 par value per share, outstanding and 1,873,320 shares of non-voting common stock $0.0001 par value per share, outstanding.
policy changes, in particular those that impact higher education, the desire for foreign students to study in the U.S., immigration and visa policy, and changes to regulatory agencies and depth of enforcement of regulations; our ability to adapt to changes in U.S.
federal income or other tax laws or the interpretation of tax laws, including without limitation the Inflation Reduction Act of 2022 and The One Big Beautiful Bill Act of 2025; our ability to attract and retain qualified employees; our ability to maintain, protect, and enhance our intellectual property; our ability to maintain the security and availability of our solutions; the increased expenses associated with being a public company; and the future market price of our common stock.
Vertical-Specific Software Backed by Deep Industry Expertise.
For example, we have launched approximately 11,000 client payment portals, each built on our shared payments platform and global payment network but tailored to our clients brands and needs.
+7 more — sign up free →
REMOVED
As of February 20, 2025, the registrant had 121,719,438 shares of voting common stock, $0.0001 par value per share, outstanding and 1,873,320 shares of non-voting common stock $0.0001 par value per share, outstanding.
federal income or other tax laws or the interpretation of tax laws, including the Inflation Reduction Act of 2022; our ability to attract and retain qualified employees; our ability to maintain, protect, and enhance our intellectual property; our ability to maintain the security and availability of our solutions; the increased expenses associated with being a public company; and the future market price of our common stock.
Vertical-Specific Software Backed by Deep Industry Expertise .
For example, we have launched over 10,000 client payment portals, each built on our shared payments platform and global payment network but tailored to our clients brands and 5 needs.
As of December 31, 2024, we serve approximately 4,500 clients around the world, excluding clients acquired from the acquisition of Invoiced Inc.
+7 more — sign up free →
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