Not a good buy right now for an impatient buyer: price is still in a weakening downswing (MACD negative and expanding) and the next-week pattern bias is negative.
While the stock looks extremely oversold (RSI_6 ~5.9) and could bounce, it’s currently trading below the first key support (S1 11.432) with room to the next support (S2 10.714).
Sentiment is mixed: hedge funds are accumulating aggressively, but insider selling has spiked sharply, which is a meaningful near-term headwind.
Event timing risk: earnings (QDEC 2025) on 2026-03-02 after hours; management’s potentially conservative 2026 guidance is a known overhang.
Politicians/Influential figures: no recent congress trading data available (no confirming political buy/sell signal).
Technical Analysis
Trend/Momentum: Bearish-to-neutral near-term; MACD histogram -0.273 below zero and negatively expanding → downside momentum still building.
Overbought/oversold: RSI_6 at 5.861 indicates extreme oversold conditions → bounce potential exists, but oversold can persist in downtrends.
Moving averages: Converging MAs suggests consolidation, but not yet a confirmed reversal.
Key levels: Pivot 12.595 (overhead), resistance R1 13.759 / R2 14.477. Support S1 11.432 (already broken), next support S2 10.714 (important downside level).
Quant pattern read-across: Similar candlestick patterns imply ~60% chance of slight downside next day (-0.2%), with a weaker next week (-3.18%) but positive next month (+2.41%)—i.e., near-term pressure before a potential mean-reversion recovery.
Options Data
Bullish
Open Interest Put-Call Ratio
Bearish
Option Volume Put-Call Ratio
Positioning (Open Interest): Put/Call OI ratio 0.54 (call-heavy) suggests medium-term market positioning is relatively bullish.
Flow (Volume): Put/Call volume ratio 1.5 suggests short-term demand skewed to puts (hedging/speculation), which is more cautious/defensive.
Volatility: 30D IV 83.73 vs historical vol 39.75 with IV percentile 94 → options are very expensive and pricing in large moves; sentiment is “high uncertainty.”
Activity: Today’s open interest elevated (today vs OI avg 30D ~144.6%), signaling notable positioning changes.
Technical Summary
Sell
11
Buy
6
Positive Catalysts
Analyst sentiment improving: multiple upgrades/raised targets (Stephens upgrade to Overweight; B. Riley raised PT; Truist raised PT; Deutsche “Catalyst Call: Buy”).
Takeaway: strong demand/revenue trajectory, but operating leverage is not consistently flowing through to EPS yet.
Growth
Profitability
Efficiency
Analyst Ratings and Price Target Trends
Recent trend: clearly improving—multiple firms raised price targets and/or upgraded since early Jan 2026.
Key changes:
Truist (2026-01-20): PT raised to $17, Buy maintained.
Deutsche Bank (2026-01-16): “Catalyst Call: Buy” (short-term idea), expects positive revisions.
Stephens (2026-01-16): Upgraded to Overweight; PT raised to $19.
B. Riley (2026-01-09): PT raised to $20, Buy maintained.
Goldman Sachs (2025-11-06): PT raised to $16, maintains Neutral.
Wall Street pros: discounted valuation narrative, improving higher-ed backdrop, and expectations that 2026 guidance is conservative (room to beat).
Wall Street cons: near-term risk that management guides conservatively/reset expectations, potentially capping upside until execution proves out.
Wall Street analysts forecast FLYW stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FLYW is 17.1 USD with a low forecast of 15.5 USD and a high forecast of 20 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
9 Analyst Rating
Wall Street analysts forecast FLYW stock price to rise over the next 12 months. According to Wall Street analysts, the average 1-year price target for FLYW is 17.1 USD with a low forecast of 15.5 USD and a high forecast of 20 USD. However, analyst price targets are subjective and often lag stock prices, so investors should focus on the objective reasons behind analyst rating changes, which better reflect the company's fundamentals.
5 Buy
4 Hold
0 Sell
Moderate Buy
Current: 10.840
Low
15.5
Averages
17.1
High
20
Current: 10.840
Low
15.5
Averages
17.1
High
20
Truist
Matthew Coad
Buy
maintain
$16 -> $17
AI Analysis
2026-01-20
Reason
Truist
Matthew Coad
Price Target
$16 -> $17
AI Analysis
2026-01-20
maintain
Buy
Reason
Truist analyst Matthew Coad raised the firm's price target on Flywire to $17 from $16 and keeps a Buy rating on the shares as part of a broader research note previewing Q4 earnings in FinTech. The quarter's results should be solid, although a tougher y/y comparison may limit volume-related beats, and while Truist is optimistic on the group throughout 2026, some management teams may look to reset Street expectations a bit lower with their original 2026 guidance, the analyst tells investors in a research note.
Deutsche Bank
Nate Svensson
initiated
2026-01-16
Reason
Deutsche Bank
Nate Svensson
Price Target
2026-01-16
initiated
Reason
Deutsche Bank analyst Nate Svensson placed a "Catalyst Call: Buy" on shares of Flywire as a short-term investment idea. The firm believes the company is well positioned for positive revenue and earnings revisions in the near term. Flywire's initial fiscal 2026 outlook "appears to be very conservative based on our analysis," the analyst tells investors in a research note.
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