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STOCK COMPARISON

Flywire vs Microsoft: Fair Value & Quality

Both stocks run through our valuation models. Here is how Flywire (FLYW) and Microsoft (MSFT) compare, as of Sep 24, 2026.

As of Sep 24, 2026, Fair Value Calculator sees Microsoft as the more attractively valued of the two: Flywire trades at $16.86 versus a fair value of $11.87 (-30%), while Microsoft trades at $501 versus $548 (+9%).
Flywire
FLYW · USD · Financials
-30%
upside to fair value
overvalued
Price$16.86
Fair Value$11.87
Quality58/100
Microsoft
MSFT · USD · Information Technology
+9%
upside to fair value
fairly valued
Price$501
Fair Value$548
Quality66/100
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Head-to-head numbers

Green is the better side of a row, red the weaker one (for valuation multiples: lower = cheaper). Grey rows are for reference only and are not scored.

betterweakerfor reference, not scored

FlywireMicrosoft
Valuation
69.2×P/E (TTM)29.8×
3.18×P/S (TTM)11.74×
2.58×P/B10.88×
32.4×EV/EBITDA20.3×
n/aPEG1.19×
−29.6%Fair value upside+9.4%
n/aDividend yield0.7%
n/aDividend per share$3.56
Profitability
6%Operating margin46%
n/aEBIT margin trend (5Y)1.23×
4%Return on equity34%
2%Return on assets15%
Growth
41%Revenue growth (YoY)18%
29.1%Avg. growth/yr (3Y)12.4%
36.4%Avg. growth/yr (5Y)14.5%
n/aValue creation/yr+19.5%
Balance & size
5.7×Interest coverage (EBIT/interest)53.9×
0.03×Debt / equity0.12×
$2BMarket cap$3.7T
healthyGrowth qualityexpensive
Valuation multiples (P/E, P/S, P/B, EV/EBITDA) are shown but not scored here: the two companies sit in different sectors, and multiples only compare fairly between similar business models. PEG stays scored, as it relates the P/E to growth.

Even match: 4 to 4 metric wins.

n/a = not meaningfully computable, for example with negative equity.

Quality in detail

The quality score, broken down into the same factor families as on the stock page, 0 to 100 per family.

Flywireof which business quality 61 · market factors 60 Microsoftof which business quality 65 · market factors 61
ProfitabilityMargins and returns on capital today
30
75
Quality GrowthAre margins and returns improving?
71
53
CashflowEarnings quality: real cash, not paper profit
82
71
Fin. StrengthBalance sheet, leverage, solvency risk
81
79
InvestmentDisciplined investing over empire-building
33
1
Low VolatilityCalm price path (market factor)
34
57
MomentumPrice trend over the last 3–12 months (market factor)
72
68
52W MomentumDistance to the 52-week high (market factor)
67
55
Net IssuanceShare count: buybacks or dilution?
57
84

What the models say

How far the median fair value (base case) per model family sits from the current price, in percent. The amount in the currency of the trading venue is shown underneath.

above the price, more than 15% above close to the price, 85% to 115% of the price below the price, more than 15% below

Model familyFlywirePrice $16.86MicrosoftPrice $501
DCF Models-17%below the price$13.95-32%below the price$338
Earnings-Based-74%below the price$4.36-62%below the price$189
Dividend Discountn/a-88%below the price$61.93
Multiples-90%below the price$1.67-38%below the price$308
Asset-Based-73%below the price$4.60-94%below the price$30.98
Growth DCF+8%close to the price$18.24-49%below the price$253
Economic Profit-74%below the price$4.39-63%below the price$184
Growth Earningsn/a-34%below the price$332
Minimum-90%below the price$1.67-94%below the price$30.98
Maximum+8%close to the price$18.24-32%below the price$338
Median-73%below the price$4.50-56%below the price$221
Geometric mean-66%below the price$5.78-67%below the price$166

Minimum, maximum, median and geometric mean refer to the family values in this table. Geometric because deviations are ratios: half the price and twice the price average to 100%, not 125%.

Flywire: 10 of 11 models see the stock below the current price.

Microsoft: 26 of 26 models see the stock below the current price.

Scenario ranges

From our cautious bear scenario to the optimistic bull scenario. The white tick is the current price (value above it), the green tick the fair value (value below it): if the price sits left of the fair value, there is room to rise.

Flywire
Price $16.86
Fair Value $11.87
Bear $6.95Bull $18.83
Microsoft
Price $501
Fair Value $548
Bear $320Bull $793

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Ranked within their sector

Where each stock sits within its sector peer group. Band = middle 50% of peers, tick = median, dot = this stock.

Flywire · Financials

Quality score58 · above median
Fair value upside-30% · below median

Microsoft · Information Technology

Quality score66 · Top 25%
Fair value upside+9% · above median

Bottom line

As of Sep 24, 2026, Fair Value Calculator sees Microsoft as the more attractively valued of the two: Flywire trades at $16.86 versus a fair value of $11.87 (-30%), while Microsoft trades at $501 versus $548 (+9%).

Microsoft has the higher quality score (66/100).

Open Microsoft live analysis →
Flywire · Microsoft

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A model-based valuation snapshot from 26 models. Values change with price and fundamentals; the date shown above applies.