(RELY) Remitly Global - Overview

Sector: Technology | Industry: Software - Infrastructure | Exchange: NASDAQ (USA) | Market Cap: 3.775m USD | Total Return: -1.1% in 12m

Money Transfer, Digital Payments, Mobile App
Total Rating 54
Safety 76
Buy Signal 0.09
Software - Infrastructure
Industry Rotation: -3.9
Market Cap: 3.77B
Avg Turnover: 48.2M USD
ATR: 3.86%
Peers RS (IBD): 97.1
Risk 5d forecast
Volatility44.7%
Rel. Tail Risk-17.5%
Reward TTM
Sharpe Ratio0.15
Alpha-31.38
Character TTM
Beta0.854
Beta Downside1.053
Drawdowns 3y
Max DD57.92%
CAGR/Max DD0.06
EPS (Earnings per Share) EPS (Earnings per Share) of RELY over the last years for every Quarter: "2021-03": -0.0624, "2021-06": -0.05, "2021-09": -0.41, "2021-12": -0.1, "2022-03": -0.14, "2022-06": -0.23, "2022-09": -0.2, "2022-12": -0.11, "2023-03": -0.16, "2023-06": -0.11, "2023-09": -0.2, "2023-12": -0.19, "2024-03": -0.11, "2024-06": -0.06, "2024-09": 0.11, "2024-12": 0.19, "2025-03": 0.19, "2025-06": 0.19, "2025-09": 0.1812, "2025-12": 0.19,
EPS CAGR: 45.11%
EPS Trend: 88.2%
Last SUE: 0.64
Qual. Beats: 0
Revenue Revenue of RELY over the last years for every Quarter: 2021-03: 91.056, 2021-06: 111.05, 2021-09: 121.244, 2021-12: 135.255, 2022-03: 136.014, 2022-06: 157.255, 2022-09: 169.259, 2022-12: 191.032, 2023-03: 203.865, 2023-06: 234.033, 2023-09: 241.629, 2023-12: 264.758, 2024-03: 269.118, 2024-06: 306.423, 2024-09: 336.527, 2024-12: 351.895, 2025-03: 361.624, 2025-06: 411.852, 2025-09: 419.494, 2025-12: 442.177,
Rev. CAGR: 36.94%
Rev. Trend: 99.0%
Last SUE: 1.68
Qual. Beats: 1

Warnings

Volatile

Tailwinds

No distinct edge detected

Description: RELY Remitly Global

Remitly Global, Inc. (RELY) is a digital financial services company specializing in cross-border remittances. The company operates in the Transaction & Payment Processing Services sector, a growing industry driven by increasing global migration and digital adoption. Remitly provides its services, primarily international money transfers, through its mobile application and website.

The business model focuses on facilitating convenient and accessible digital payments for individuals sending money across borders. This sector typically benefits from network effects and a large addressable market. Investors seeking further insights into RELYs performance and market position can find detailed analysis on ValueRay.

Headlines to Watch Out For
  • Digital remittance volume growth drives transaction revenue
  • Foreign exchange rate fluctuations impact revenue and costs
  • Regulatory compliance costs increase with international expansion
  • Competition intensifies in the digital cross-border payment market
  • Global economic slowdown reduces remittance demand
Piotroski VR‑10 (Strict) 6.5
Net Income: 67.9m TTM > 0 and > 6% of Revenue
FCF/TA: 0.20 > 0.02 and ΔFCF/TA 2.51 > 1.0
NWC/Revenue: 56.07% < 20% (prev 44.98%; Δ 11.10% < -1%)
CFO/TA 0.22 > 3% & CFO 325.1m > Net Income 67.9m
Net Debt (-608.6m) to EBITDA (108.6m): -5.60 < 3
Current Ratio: 3.30 > 1.5 & < 3
Outstanding Shares: last quarter (215.6m) vs 12m ago 10.74% < -2%
Gross Margin: 59.36% > 18% (prev 0.59%; Δ 5.88k% > 0.5%)
Asset Turnover: 132.3% > 50% (prev 124.8%; Δ 7.53% > 0%)
Interest Coverage Ratio: 10.41 > 6 (EBITDA TTM 108.6m / Interest Expense TTM 7.61m)
Altman Z'' 2.71
A: 0.63 (Total Current Assets 1.32b - Total Current Liabilities 399.1m) / Total Assets 1.46b
B: -0.32 (Retained Earnings -460.3m / Total Assets 1.46b)
C: 0.06 (EBIT TTM 79.2m / Avg Total Assets 1.24b)
D: -0.77 (Book Value of Equity -456.7m / Total Liabilities 589.9m)
Altman-Z'' Score: 2.71 = A
Beneish M -3.16
DSRI: 1.04 (Receivables 286.5m/213.0m, Revenue 1.64b/1.26b)
GMI: 1.00 (GM 59.36% / 59.21%)
AQI: 0.67 (AQ_t 0.05 / AQ_t-1 0.07)
SGI: 1.29 (Revenue 1.64b / 1.26b)
TATA: -0.18 (NI 67.9m - CFO 325.1m) / TA 1.46b)
Beneish M-Score: -3.16 (Cap -4..+1) = AA
What is the price of RELY shares? As of April 17, 2026, the stock is trading at USD 19.63 with a total of 4,859,279 shares traded.
Over the past week, the price has changed by +14.80%, over one month by +28.68%, over three months by +42.76% and over the past year by -1.06%.
Is RELY a buy, sell or hold? Remitly Global has received a consensus analysts rating of 4.17. Therefore, it is recommended to buy RELY.
  • StrongBuy: 4
  • Buy: 6
  • Hold: 2
  • Sell: 0
  • StrongSell: 0
What are the forecasts/targets for the RELY price?
Analysts Target Price 21.3 8.7%
Remitly Global (RELY) - Fundamental Data Overview as of 16 April 2026
P/E Trailing = 57.8065
P/S = 2.3086
P/B = 4.345
Revenue TTM = 1.64b USD
EBIT TTM = 79.2m USD
EBITDA TTM = 108.6m USD
Long Term Debt = 155.0m USD (from longTermDebt, last quarter)
Short Term Debt = 8.99m USD (from shortTermDebt, last quarter)
Debt = 220.3m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -608.6m USD (recalculated: Debt 220.3m - CCE 828.9m)
Enterprise Value = 3.17b USD (3.77b + Debt 220.3m - CCE 828.9m)
Interest Coverage Ratio = 10.41 (Ebit TTM 79.2m / Interest Expense TTM 7.61m)
EV/FCF = 10.71x (Enterprise Value 3.17b / FCF TTM 295.7m)
FCF Yield = 9.34% (FCF TTM 295.7m / Enterprise Value 3.17b)
FCF Margin = 18.08% (FCF TTM 295.7m / Revenue TTM 1.64b)
Net Margin = 4.15% (Net Income TTM 67.9m / Revenue TTM 1.64b)
Gross Margin = 59.36% ((Revenue TTM 1.64b - Cost of Revenue TTM 664.5m) / Revenue TTM)
Gross Margin QoQ = 59.62% (prev 58.73%)
Tobins Q-Ratio = 2.17 (Enterprise Value 3.17b / Total Assets 1.46b)
Interest Expense / Debt = 1.16% (Interest Expense 2.55m / Debt 220.3m)
Taxrate = 5.16% (3.69m / 71.6m)
NOPAT = 75.2m (EBIT 79.2m * (1 - 5.16%))
Current Ratio = 3.30 (Total Current Assets 1.32b / Total Current Liabilities 399.1m)
Debt / Equity = 0.25 (Debt 220.3m / totalStockholderEquity, last quarter 868.8m)
Debt / EBITDA = -5.60 (Net Debt -608.6m / EBITDA 108.6m)
Debt / FCF = -2.06 (Net Debt -608.6m / FCF TTM 295.7m)
Total Stockholder Equity = 788.6m (last 4 quarters mean from totalStockholderEquity)
RoA = 5.50% (Net Income 67.9m / Total Assets 1.46b)
RoE = 8.61% (Net Income TTM 67.9m / Total Stockholder Equity 788.6m)
RoCE = 8.40% (EBIT 79.2m / Capital Employed (Equity 788.6m + L.T.Debt 155.0m))
RoIC = 9.05% (NOPAT 75.2m / Invested Capital 830.0m)
WACC = 8.55% (E(3.77b)/V(4.00b) * Re(8.99%) + D(220.3m)/V(4.00b) * Rd(1.16%) * (1-Tc(0.05)))
Discount Rate = 8.99% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 7.55%
[DCF] Terminal Value 70.13% ; FCFF base≈249.4m ; Y1≈178.2m ; Y5≈96.5m
[DCF] Fair Price = 10.92 (EV 1.69b - Net Debt -608.6m = Equity 2.30b / Shares 210.7m; r=8.55% [WACC]; 5y FCF grow -33.59% → 3.0% )
EPS Correlation: 88.20 | EPS CAGR: 45.11% | SUE: 0.64 | # QB: 0
Revenue Correlation: 99.01 | Revenue CAGR: 36.94% | SUE: 1.68 | # QB: 1
EPS next Quarter (2026-06-30): EPS=0.29 | Chg7d=+0.013 | Chg30d=+0.013 | Revisions Net=-1 | Analysts=3
EPS current Year (2026-12-31): EPS=1.18 | Chg7d=+0.033 | Chg30d=+0.033 | Revisions Net=+2 | Growth EPS=+12.6% | Growth Revenue=+19.5%
EPS next Year (2027-12-31): EPS=1.50 | Chg7d=+0.037 | Chg30d=+0.037 | Revisions Net=+2 | Growth EPS=+26.3% | Growth Revenue=+19.1%
[Analyst] Revisions Ratio: -1.00 (0 Up / 1 Down within 30d for Next Quarter)
[Growth] Implied Growth Rate = 7.3% (Discount Rate 9.0% - Earnings Yield 1.7%)
[Growth] Growth Spread = +11.3% (Analyst 18.6% - Implied 7.3%)
External Resources
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