(RELY) Remitly Global - Ratings and Ratios
Cross-Border Remittances, Mobile App, Website
EPS (Earnings per Share)
Revenue
Dividends
Currently no dividends paid| Risk via 10d forecast | |
|---|---|
| Volatility | 43.8% |
| Value at Risk 5%th | 61.9% |
| Relative Tail Risk | -14.10% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.71 |
| Alpha | -49.56 |
| CAGR/Max DD | 0.16 |
| Character TTM | |
|---|---|
| Hurst Exponent | |
| Beta | 0.984 |
| Beta Downside | 1.261 |
| Drawdowns 3y | |
|---|---|
| Max DD | 57.92% |
| Mean DD | 24.66% |
| Median DD | 25.37% |
Description: RELY Remitly Global November 09, 2025
Remitly Global, Inc. (NASDAQ: RELY) operates a digital platform that enables consumers in the United States, Canada, and other markets to send cross-border remittances and access ancillary financial services via mobile apps and its website. Founded in 2011 and headquartered in Seattle, Washington, the company positions itself within the GICS sub-industry of Transaction & Payment Processing Services.
According to the most recent Form 10-K (FY 2023), Remitly generated approximately $1.05 billion in revenue, reflecting a year-over-year growth of roughly 22 %, driven primarily by expanding transaction volumes in the Mexico-U.S. corridor and increasing adoption of its “Express” service for faster delivery. The firm’s active customer base grew to about 5.2 million, with an average revenue per user (ARPU) of $202, and its gross transaction value (GTV) rose to $13.8 billion, underscoring the macro-trend of rising remittance flows from diaspora populations. Key economic drivers include sustained labor migration from Latin America to the U.S., higher disposable income among immigrant households, and the broader shift toward digital payments accelerated by the pandemic.
For a deeper dive into Remitly’s valuation metrics, competitive positioning, and scenario analysis, you may find the detailed research on ValueRay worth exploring.
Piotroski VR‑10 (Strict, 0-10) 7.0
| Net Income (21.0m TTM) > 0 and > 6% of Revenue (6% = 92.7m TTM) |
| FCFTA 0.16 (>2.0%) and ΔFCFTA 6.41pp (YES ≥ +1.0pp, WARN ≥ +0.5pp) |
| NWC/Revenue 45.66% (prev 45.64%; Δ 0.01pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp) |
| CFO/TA 0.19 (>3.0%) and CFO 231.1m > Net Income 21.0m (YES >=105%, WARN >=100%) |
| Net Debt (-441.4m) to EBITDA (64.7m) ratio: -6.82 <= 3.0 (WARN <= 3.5) |
| Current Ratio 2.88 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active) |
| Outstanding Shares last Quarter (217.2m) change vs 12m ago 5.84% (target <= -2.0% for YES) |
| Gross Margin 59.46% (prev 58.86%; Δ 0.60pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0) |
| Asset Turnover 141.5% (prev 121.3%; Δ 20.20pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0) |
| Interest Coverage Ratio 6.03 (EBITDA TTM 64.7m / Interest Expense TTM 6.03m) >= 6 (WARN >= 3) |
Altman Z'' 1.43
| (A) 0.58 = (Total Current Assets 1.08b - Total Current Liabilities 376.1m) / Total Assets 1.21b |
| (B) -0.41 = Retained Earnings (Balance) -501.6m / Total Assets 1.21b |
| (C) 0.03 = EBIT TTM 36.4m / Avg Total Assets 1.09b |
| (D) -1.20 = Book Value of Equity -497.8m / Total Liabilities 416.5m |
| Total Rating: 1.43 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D) |
ValueRay F-Score (Strict, 0-100) 68.79
| 1. Piotroski 7.0pt |
| 2. FCF Yield 8.92% |
| 3. FCF Margin 12.52% |
| 4. Debt/Equity 0.04 |
| 5. Debt/Ebitda -6.82 |
| 6. ROIC - WACC (= -6.08)% |
| 7. RoE 2.85% |
| 8. Rev. Trend 99.48% |
| 9. EPS Trend 81.98% |
What is the price of RELY shares?
Over the past week, the price has changed by +8.45%, over one month by -18.60%, over three months by -26.70% and over the past year by -34.12%.
Is RELY a buy, sell or hold?
- Strong Buy: 4
- Buy: 6
- Hold: 2
- Sell: 0
- Strong Sell: 0
What are the forecasts/targets for the RELY price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 21.5 | 58.7% |
| Analysts Target Price | 21.5 | 58.7% |
| ValueRay Target Price | 11.7 | -13.4% |
RELY Fundamental Data Overview November 25, 2025
P/E Trailing = 138.7778
P/S = 1.6901
P/B = 3.2753
Beta = 0.098
Revenue TTM = 1.54b USD
EBIT TTM = 36.4m USD
EBITDA TTM = 64.7m USD
Long Term Debt = 32.8m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 7.24m USD (from shortTermDebt, last quarter)
Debt = 35.5m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -441.4m USD (from netDebt column, last quarter)
Enterprise Value = 2.17b USD (2.61b + Debt 35.5m - CCE 476.9m)
Interest Coverage Ratio = 6.03 (Ebit TTM 36.4m / Interest Expense TTM 6.03m)
FCF Yield = 8.92% (FCF TTM 193.5m / Enterprise Value 2.17b)
FCF Margin = 12.52% (FCF TTM 193.5m / Revenue TTM 1.54b)
Net Margin = 1.36% (Net Income TTM 21.0m / Revenue TTM 1.54b)
Gross Margin = 59.46% ((Revenue TTM 1.54b - Cost of Revenue TTM 626.3m) / Revenue TTM)
Gross Margin QoQ = 58.73% (prev 59.01%)
Tobins Q-Ratio = 1.79 (Enterprise Value 2.17b / Total Assets 1.21b)
Interest Expense / Debt = 5.96% (Interest Expense 2.12m / Debt 35.5m)
Taxrate = 28.93% (3.59m / 12.4m)
NOPAT = 25.9m (EBIT 36.4m * (1 - 28.93%))
Current Ratio = 2.88 (Total Current Assets 1.08b / Total Current Liabilities 376.1m)
Debt / Equity = 0.04 (Debt 35.5m / totalStockholderEquity, last quarter 797.2m)
Debt / EBITDA = -6.82 (Net Debt -441.4m / EBITDA 64.7m)
Debt / FCF = -2.28 (Net Debt -441.4m / FCF TTM 193.5m)
Total Stockholder Equity = 737.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.73% (Net Income 21.0m / Total Assets 1.21b)
RoE = 2.85% (Net Income TTM 21.0m / Total Stockholder Equity 737.8m)
RoCE = 4.72% (EBIT 36.4m / Capital Employed (Equity 737.8m + L.T.Debt 32.8m))
RoIC = 3.49% (NOPAT 25.9m / Invested Capital 740.3m)
WACC = 9.57% (E(2.61b)/V(2.65b) * Re(9.64%) + D(35.5m)/V(2.65b) * Rd(5.96%) * (1-Tc(0.29)))
Discount Rate = 9.64% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 7.97%
[DCF Debug] Terminal Value 65.71% ; FCFE base≈153.1m ; Y1≈109.4m ; Y5≈59.2m
Fair Price DCF = 4.22 (DCF Value 882.4m / Shares Outstanding 209.0m; 5y FCF grow -33.59% → 3.0% )
EPS Correlation: 81.98 | EPS CAGR: 32.98% | SUE: 0.03 | # QB: 0
Revenue Correlation: 99.48 | Revenue CAGR: 35.23% | SUE: 0.63 | # QB: 0
Additional Sources for RELY Stock
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Fund Manager Positions: Dataroma | Stockcircle