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Flywire Corporation (FLYW) vs PagSeguro Digital Ltd. (PAGS)

Flywire Corporation and PagSeguro Digital Ltd. are both Software Infrastructure companies. Flywire Corporation and PagSeguro Digital Ltd. are of similar size ($2.3B and $2.1B). PagSeguro Digital Ltd. trades at the lower P/E: 5.4× against 70.6×. Flywire Corporation grew revenue faster over the last twelve months: 32.2% against 12.3%. PagSeguro Digital Ltd. has the higher net margin (10.5% vs 4.77%) and the higher return on invested capital (32.6% vs 4.70%). Across the 22 metrics below, PagSeguro Digital Ltd. leads on 14 and Flywire Corporation on 8.

Valuation

Metric FLYW PAGS Software Infrastructure median
P/E 70.63 5.38 26.15
P/S 3.27 0.55 2.87
P/B 2.86 0.72 2.94
Price to free cash flow 15.19 2.98 17.26
EV/EBITDA 29.10 1.13 15.00
EV/Sales 2.89 0.55 2.95
Earnings yield 1.42% 18.57% 0.00%
Free cash flow yield 6.58% 33.54% 0.39%

Profitability

Metric FLYW PAGS Software Infrastructure median
Gross margin 100.00% 53.30% 59.21%
Operating margin 5.51% 40.07% 0.00%
Net margin 4.77% 10.47% 0.00%
Free cash flow margin 21.54% 18.36% 0.00%
Return on equity 4.23% 14.69% 0.00%
Return on assets 2.99% 2.96% 0.00%
Return on invested capital 4.70% 32.55% 0.00%

Growth

Metric FLYW PAGS Software Infrastructure median
Revenue growth (TTM) 32.21% 12.27% 13.57%
EPS growth (last fiscal year) 450.00% 12.39% 20.22%
Revenue growth, 5-year CAGR 36.44% 22.56% 16.02%
Net income growth, 5-year CAGR 0.00% 8.65% 0.00%

Health

Metric FLYW PAGS Software Infrastructure median
Debt to equity 0.00 0.10 0.02
Current ratio 1.52 1.55 1.54
Net debt to EBITDA (9.18) 0.00 0.05

Dividend

Metric FLYW PAGS Software Infrastructure median
Dividend yield — 7.01% 1.09%
Payout ratio — 0.38 0.30

Size

Metric FLYW PAGS Software Infrastructure median
Market cap 2.33b 2.12b 655.75m

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