FLYW (Flywire) Moat Score: 6/10 (As of Jul. 04, 2026)


FLYW Flywire Corp FLYW
86 GF Score
Price $18.75
GF Value $27.03
Valuation Significantly Undervalued
! 6 Warning Signs
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What is Flywire Moat Score?

Flywire FLYW +1.05% 86 Moat Score is 6 as of Jul. 04, 2026. GuruFocus rates FLYW with a GF Score™ of 86/100 and a GF Value™ of $27.03 (Significantly Undervalued). The stock has 6 warning signs investors should review. Among 2,844 Software companies, Flywire ranks better than 97.89% on this metric.

Flywire has the Moat Score of 6, which implies that the company might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Flywire has Narrow Moat: Flywire Corp has a strong narrow moat due to its specialized payment solutions, network effects, and customer switching costs. However, it lacks significant regulatory barriers and brand strength to qualify for a wide moat.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Flywire might have Narrow Moat - Strong narrow moat, clearly distinguishable but not wide.

Flywire  (NAS:FLYW) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Flywire Moat Score Related Terms

FLYW vs RAMP, CALX, AVPT: Moat Score Comparison

For the Software - Infrastructure subindustry, Flywire's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Flywire Moat Score vs Software Industry

For the Software industry and Technology sector, Flywire's Moat Score distribution charts can be found below:

* The bar in red indicates where Flywire's Moat Score falls into.


FLYW
86GF Score
Flywire Corp FLYW
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 6 mean?
Flywire (FLYW) has a Moat Score of 6 as of Jul. 04, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Flywire ranks #60 out of 2844 companies in the Software industry, placing it in the top 2.1%.
Is Flywire's Moat Score too high?
Flywire's current Moat Score is 6. Based on the distribution chart, Flywire ranks #60 out of 2844 companies in the Software industry, which is in the top quartile — a strong position relative to peers. Overall, Flywire has a GF Score™ of 86/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Flywire's Moat Score compare to RAMP and CALX?
According to the Software industry distribution chart, Flywire ranks #60 out of 2844 companies for Moat Score. This places Flywire in the top 2% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Software company?
A good Moat Score depends on the Software industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Flywire's current Moat Score is 6. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Flywire stock overvalued right now?
Based on GuruFocus' analysis, Flywire (FLYW) is currently considered Significantly Undervalued. The stock's GF Value™ is $27.03, compared to a current price of $18.75 — trading 30.7% below its estimated fair value. The current Moat Score is 6. Flywire's overall GF Score™ is 86/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Flywire (FLYW), the current Moat Score is 6 as of Jul. 04, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Flywire (FLYW) Overvalued in 2026?

Based on GuruFocus' analysis, Flywire stock appears to be undervalued. The current stock price of $18.75 is trading 30.7% below its estimated GF Value™ of $27.03. GuruFocus considers Flywire to be Significantly Undervalued.

Key valuation signals for FLYW:

  • Moat Score: 6
  • GF Value™: $27.03 vs. price of $18.75 (30.7% below fair value)
  • GF Score™: 86/100 with 6 warning signs

No single metric tells the full story. See the FLYW stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Flywire Business Description

Other Exchanges 9E2:Germany
Address 141 Tremont Street, Suite 10, Boston, MA, USA, 02111
Flywire Corp provides a secure payment platform, offering its clients a streamlined process to receive reconciled domestic and international payments more cost-effectively and efficiently. The company's solutions are built on three core elements, namely a payments platform, a proprietary payment network, and vertical-specific software backed by its deep industry expertise. Geographically, the majority of revenue is from the Americas.
86GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$18.75
Price
$27.03
GF Value