Flywire Corp risk profile
37 Normal where most of the sector sits
Measured 21 October 2026 from FLYW's filed statements. Recomputed nightly.
37 (Normal), driven by Concentration at 47, over 6 weighted categories on the SOFTWARE profile.
What is measured
| Mechanism | Reading | Band | Direction | Driver |
|---|---|---|---|---|
| Market expectation | 37 | Normal | Volatile | One-year price volatility — 46.8% |
| Operating pressure | 16 | Contained | Easing | Costs outgrowing revenue — -5.8 percentage points |
| Cash conversion | 7 | Contained | Stable | Capital spending against operating cash — 0.01x |
| Leverage and coverage | 19 | Contained | Worsening | Current ratio — 1.50x |
| Competitive position | 43 | Elevated | Stable | Operating-margin gap against peers — -6.8 percentage points |
| Concentration | 47 | Elevated | Stable | Geographic concentration — 3,839 HHI |
These are descriptive readings of disclosed mechanisms, not investment advice, and not a prediction. A band says where a measured input sits, never what to do about it or what happens next.