Flywire Corp (FLYW) Stock Forecast & Price Target

Flywire is attractive because it is demonstrating durable demand across education, travel, and B2B while converting that growth into stronger earnings, with 3Q26 revenue up 25.1%, revenue less ancillary services up 26%, and adjusted EBITDA of $79.5 million on 32.5% margins. Its execution has been broad-based, led by exceptional U.K. and U.S. education peaks, continued hospitality momentum, about 180 new client wins across 31 countries, and payment volume rising 27.7% to $17.8 billion. Just as important, management raised FY26 FX-neutral RLAS growth guidance to 25%-27%, targets 25% EBITDA margins in FY27, and generated $72 million of FCF in 3Q, supporting reinvestment, buybacks, and multiple expansion.

Flywire is vulnerable to regulatory and macroeconomic shocks because its education payment flows depend on cross-border student movement, which can be disrupted by immigration and student visa policy changes in Australia, the UK, the USA, and Canada. It also remains unprofitable on a net income basis, so investors may continue to discount the stock if it cannot scale volumes and revenue enough to sustain profitability, especially in a rising interest rate environment. With management expecting growth of over 30% and the business exposed to competitive, highly regulated verticals, any shortfall or weakness in the Education segment could materially pressure valuation and sentiment.