Flywire (NASDAQ:FLYW – Get Free Report) and Phunware (NASDAQ:PHUN – Get Free Report) are both small-cap computer and technology companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, risk, analyst recommendations, profitability, dividends, earnings and valuation.
Insider & Institutional Ownership
95.9% of Flywire shares are held by institutional investors. Comparatively, 7.6% of Phunware shares are held by institutional investors. 4.4% of Flywire shares are held by company insiders. Comparatively, 1.2% of Phunware shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.
Volatility & Risk
Flywire has a beta of 1.29, indicating that its stock price is 29% more volatile than the S&P 500. Comparatively, Phunware has a beta of 2.47, indicating that its stock price is 147% more volatile than the S&P 500.
Earnings & Valuation
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Flywire | $492.14 million | 3.42 | $2.90 million | $0.05 | 275.40 |
| Phunware | $3.19 million | 17.47 | -$10.32 million | ($0.65) | -4.25 |
Flywire has higher revenue and earnings than Phunware. Phunware is trading at a lower price-to-earnings ratio than Flywire, indicating that it is currently the more affordable of the two stocks.
Profitability
This table compares Flywire and Phunware’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Flywire | 1.27% | 1.94% | 1.38% |
| Phunware | -510.83% | -12.99% | -11.77% |
Analyst Recommendations
This is a breakdown of current recommendations and price targets for Flywire and Phunware, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Flywire | 3 | 9 | 5 | 0 | 2.12 |
| Phunware | 1 | 1 | 1 | 0 | 2.00 |
Flywire presently has a consensus price target of $14.04, indicating a potential upside of 1.95%. Phunware has a consensus price target of $6.67, indicating a potential upside of 141.55%. Given Phunware’s higher possible upside, analysts clearly believe Phunware is more favorable than Flywire.
Summary
Flywire beats Phunware on 11 of the 14 factors compared between the two stocks.
About Flywire
Flywire Corporation, together with its subsidiaries, operates as a payments enablement and software company in the United States and internationally. Its payment platform and network, and vertical-specific software help clients to get paid and help their customers to pay. The company’s platform facilitates payment flows across multiple currencies, payment types, and payment options, as well as provides direct connections to alternative payment methods, such as Alipay, Boleto, PayPal/Venmo, and Trustly. It serves education, healthcare, travel, and business to business organizations. The company was formerly known as peerTransfer Corporation and changed its name to Flywire Corporation in December 2016. Flywire Corporation was incorporated in 2009 and is headquartered in Boston, Massachusetts.
About Phunware
Phunware, Inc., together with its subsidiaries, provides integrated software platform that equips companies with the products, solutions, and services to engage, manage, and monetize their mobile application portfolios in the United States and internationally. The company's products and services include mobile software and application transaction solutions comprise integration of software development kit (SDK) licenses, which consists of analytics that offers data related to application use and engagement; content management that allows application administrators to create and manage app content in a cloud-based portal; alerts, notifications, and messaging, which enables brands to send messages; marketing automation that enables location-triggered messages and workflow; advertising; and location-based services, such as mapping, navigation, wayfinding, workflow, asset management, and policy enforcement. It is also involved in the integration of its SDK licenses into existing applications maintained by its customers, as well as custom application development and support services; and provision of cloud-based vertical solutions for healthcare, retail, sports, aviation, real estate, hospitality, education, and other applications, as well as application transactions, including re-occurring and one-time transactional media purchases for application discovery, user acquisition and audience building, audience engagement, and audience monetization. Phunware, Inc. was founded in 2009 and is headquartered in Austin, Texas.
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