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FLYW vs PENG

FLYW
Flywire Corporation
NEUTRAL
Price
$11.71
Market Cap
$1.43B
Sector
Technology
AI Confidence
80%
PENG
Penguin Solutions, Inc.
NEUTRAL
Price
$26.09
Market Cap
$1.37B
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
FLYW
106.45
PENG
37.27
Forward P/E
FLYW
9.69
PENG
10.14
P/B Ratio
FLYW
1.71
PENG
3.38
P/S Ratio
FLYW
2.3
PENG
1.02
EV/EBITDA
FLYW
25.46
PENG
11.2

Profitability

Gross Margin
FLYW
61.42%
PENG
28.32%
Operating Margin
FLYW
-1.04%
PENG
7.8%
Profit Margin
FLYW
2.17%
PENG
4.07%
ROE
FLYW
1.64%
PENG
9.59%
ROA
FLYW
1.09%
PENG
3.04%

Growth

Revenue Growth
FLYW
34.0%
PENG
-6.2%
Earnings Growth
FLYW
--
PENG
544.4%

Financial Health

Debt/Equity
FLYW
0.0
PENG
0.83
Current Ratio
FLYW
1.5
PENG
2.1
Quick Ratio
FLYW
1.41
PENG
1.46

Dividends

Dividend Yield
FLYW
--
PENG
--
Payout Ratio
FLYW
0.0%
PENG
0.0%

AI Verdict

FLYW NEUTRAL

FLYW presents a conflicted profile with a stable Piotroski F-Score of 4/9 and a significant valuation gap, as the current price of $11.71 far exceeds the Graham Number ($4.12) and Intrinsic Value ($0.77). While the company exhibits strong top-line growth (34% YoY) and an exemplary balance sheet with zero debt, it is hampered by negative operating margins and a bearish technical trend. The massive discrepancy between the trailing P/E (106.45) and forward P/E (9.69) suggests the market is pricing in a drastic earnings turnaround that has yet to materialize in the current trailing data.

Strengths
Zero debt-to-equity ratio indicating an exceptionally clean balance sheet
Strong revenue growth of 34% both YoY and Q/Q
High gross margins (61.42%) providing a strong foundation for future profitability
Risks
Extreme valuation premium relative to Graham and Intrinsic value models
Bearish insider sentiment with significant selling by the CEO and General Counsel
Negative operating margins (-1.04%) indicating a struggle to convert revenue to operating profit
PENG NEUTRAL

PENG presents a complex profile with a stable Piotroski F-Score of 4/9 and a current price ($26.09) that significantly exceeds both its Graham Number ($11.02) and Intrinsic Value ($20.65). While the company exhibits explosive YoY earnings growth (544.40%) and a highly attractive Forward P/E of 10.14, these are contrasted by negative revenue growth (-6.20%) and bearish insider activity. The stock is currently trading at a growth premium, supported by strong analyst consensus but hindered by fundamental top-line contraction.

Strengths
Exceptional YoY earnings growth of 544.40%
Very attractive Forward P/E ratio of 10.14
Strong track record of earnings beats (3/4 last 4 quarters)
Risks
Negative YoY and Q/Q revenue growth indicating top-line struggle
Bearish insider sentiment with consistent officer selling
Current price is 23% above growth-based intrinsic value

Compare Another Pair

FLYW vs PENG: Head-to-Head Comparison

This page compares Flywire Corporation (FLYW) and Penguin Solutions, Inc. (PENG) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

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