Company: FLYW
Filing Date: 2025-02-26
Form Type: 10-K
Source: 0000950170-25-027078
Chunk: 114

Company: Flywire Corp
Filing Date: 2025-02-26
Form: 10-K
Item: Item 1A
Chunk 114
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•market acceptance of our current and future solutions; 

•our revenue mix in a particular quarter; 

•the mix of payment methods and currencies utilized by our clients’ customers in a particular quarter; 

•a slowdown or delay in spending on IT and software by our current and/or prospective clients; 

•sales cycles and performance of our direct and indirect sales force; 

•budgeting and implementation cycles of our current or potential clients; 

•foreign currency exchange rate fluctuations; 

•the management, performance and expansion of our domestic and international operations; 

•the rate of renewals of contracts with our clients; 

•changes in the competitive dynamics of our markets; 

•our ability to control and predict costs, including our operating expenses; 

•clients delaying purchasing decisions, including in anticipation of new products or product enhancements by us or our competitors; 

•the seasonality and cyclical nature of our business; 

•failure to successfully manage or integrate any acquisitions, including our most recent acquisitions of Sertifi, Cohort Go, StudyLink and Invoiced; 

•the outcome or publicity surrounding any pending or threatened lawsuits or government investigations; 

•general economic and political conditions in our domestic and international markets, including heightened interest rates, imposition of tariffs, inflation and fluctuations in supply chains, and restrictions on cross-border travel or commerce;

•changes in the level of scrutiny applied by regulators and investors on our ESG program;

•unexpected events, including those resulting from climate change, international or civil conflicts and wars, or other geopolitical events; 

•expected or actual extended U.S. federal government shutdowns, priorities of the U.S. presidential administration and related changes in laws, regulations or policies, which among other things could result in increased limitations on visa issuances, geopolitical uncertainty and impact educational financial aid payments; and 

•global pandemics, such as COVID-19, or other public health emergencies and the responses thereto. 

In addition, we may in the future experience fluctuations in our gross and operating margins due to changes in the mix of our domestic and international payments and the mix of payment methods, including an increase in the use of credit cards, and currencies used by our clients’ customers to make payments. 

Based upon the factors described above and those described elsewhere in this section titled “Risk Factors”, we have a limited ability to forecast the amount and mix of future revenues and expenses, which may cause our operating results to fall below our estimates or the expectations of public market analysts and investors.  

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Our restructuring