(RELY) Remitly Global - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US75960P1049

Remittances, Mobile App, Website

Stock: Transaction & Payment Processing Services
Age 4.3y
MCap 2,962m
Avg Vol 2.43M (33.7M USD)
Beta 0.964
Volatility 41.91%

EPS (Earnings per Share)

EPS (Earnings per Share) of RELY over the last years for every Quarter: "2020-12": -0.3421, "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,
EPS CAGR: 24.98%
EPS Trend: 81.2%
Last SUE: -4.00
Qual. Beats: 0

Revenue

Revenue of RELY over the last years for every Quarter: 2020-12: 80.017, 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: null,
Rev. CAGR: 35.23%
Rev. Trend: 99.2%
Last SUE: 0.63
Qual. Beats: 0

Dividends

Currently no dividends paid
Risk via 5d forecast
Volatility 41.9%
Value at Risk 5%th 58.9%
Relative Tail Risk -14.63%
Reward TTM
Sharpe Ratio -0.85
Alpha -53.30
CAGR/Max DD 0.11
Character TTM
Hurst Exponent 0.513
Beta 0.964
Beta Downside 1.284
Drawdowns 3y
Max DD 57.92%
Mean DD 26.94%
Median DD 27.47%

Description: RELY Remitly Global January 12, 2026

Remitly Global, Inc. (NASDAQ: RELY) operates a digital platform that enables cross-border money transfers and ancillary financial services for consumers in the United States, Canada, and a network of destination countries. Founded in 2011 and headquartered in Seattle, the company delivers its services via mobile app and web, positioning itself within the GICS sub-industry of Transaction & Payment Processing Services.

Key operational metrics (FY 2023) show ≈ $1.5 billion in total transaction volume, a 27 % year-over-year increase in active customers, and a take-rate of roughly 1.2 % on remittance flows, yielding $180 million in revenue. Growth is driven by sustained U.S. migrant remittance demand (U.S.-Mexico transfers alone exceeded $55 billion in 2023) and the broader digital-payments shift, which the World Bank estimates will raise global remittance volumes at a 5 % CAGR through 2028. Competitive pressure from fintech rivals (e.g., Wise, Western Union’s digital arm) and regulatory scrutiny of AML/KYC compliance remain material risks.

For a deeper, data-focused assessment of RELY’s valuation and risk profile, the ValueRay research page offers a concise, model-backed overview.

Piotroski VR‑10 (Strict, 0-10) 7.0

Net Income: 21.0m TTM > 0 and > 6% of Revenue
FCF/TA: 0.16 > 0.02 and ΔFCF/TA 6.41 > 1.0
NWC/Revenue: 45.66% < 20% (prev 45.64%; Δ 0.01% < -1%)
CFO/TA 0.19 > 3% & CFO 231.1m > Net Income 21.0m
Net Debt (-441.4m) to EBITDA (64.7m): -6.82 < 3
Current Ratio: 2.88 > 1.5 & < 3
Outstanding Shares: last quarter (217.2m) vs 12m ago 5.84% < -2%
Gross Margin: 59.46% > 18% (prev 0.59%; Δ 5887 % > 0.5%)
Asset Turnover: 141.5% > 50% (prev 121.3%; Δ 20.20% > 0%)
Interest Coverage Ratio: 6.03 > 6 (EBITDA TTM 64.7m / Interest Expense TTM 6.03m)

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 -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)
Altman-Z'' Score: 1.43 = BB

Beneish M -3.32

DSRI: 0.80 (Receivables 307.5m/293.4m, Revenue 1.54b/1.18b)
GMI: 0.99 (GM 59.46% / 58.86%)
AQI: 0.72 (AQ_t 0.05 / AQ_t-1 0.08)
SGI: 1.31 (Revenue 1.54b / 1.18b)
TATA: -0.17 (NI 21.0m - CFO 231.1m) / TA 1.21b)
Beneish M-Score: -3.32 (Cap -4..+1) = AA

ValueRay F-Score (Strict, 0-100) 68.31

1. Piotroski: 7.0pt
2. FCF Yield: 7.67%
3. FCF Margin: 12.52%
4. Debt/Equity: 0.04
5. Debt/Ebitda: -6.82
6. ROIC - WACC: -5.92%
7. RoE: 2.85%
8. Revenue Trend: 99.24%
9. EPS Trend: 81.21%

What is the price of RELY shares?

As of January 26, 2026, the stock is trading at USD 14.17 with a total of 2,257,644 shares traded.
Over the past week, the price has changed by +3.73%, over one month by -0.42%, over three months by -16.40% and over the past year by -38.82%.

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.
  • 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 20.3 43.5%
Analysts Target Price 20.3 43.5%
ValueRay Target Price 13.3 -5.9%

RELY Fundamental Data Overview January 26, 2026

P/E Trailing = 157.4444
P/S = 1.9174
P/B = 3.7159
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 = 2.52b USD (2.96b + Debt 35.5m - CCE 476.9m)
Interest Coverage Ratio = 6.03 (Ebit TTM 36.4m / Interest Expense TTM 6.03m)
EV/FCF = 13.03x (Enterprise Value 2.52b / FCF TTM 193.5m)
FCF Yield = 7.67% (FCF TTM 193.5m / Enterprise Value 2.52b)
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 = 2.08 (Enterprise Value 2.52b / 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 = 1.92% (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 = 9.41% (E(2.96b)/V(3.00b) * Re(9.47%) + D(35.5m)/V(3.00b) * Rd(5.96%) * (1-Tc(0.29)))
Discount Rate = 9.47% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 7.97%
[DCF Debug] Terminal Value 66.22% ; FCFF base≈153.1m ; Y1≈109.3m ; Y5≈59.1m
Fair Price DCF = 6.42 (EV 899.8m - Net Debt -441.4m = Equity 1.34b / Shares 209.0m; r=9.41% [WACC]; 5y FCF grow -33.59% → 2.90% )
[DCF Warning] FCF declining rapidly (-33.59%), DCF may be unreliable
EPS Correlation: 81.21 | EPS CAGR: 24.98% | SUE: -4.0 | # QB: 0
Revenue Correlation: 99.24 | Revenue CAGR: 35.23% | SUE: 0.63 | # QB: 0
EPS next Quarter (2026-03-31): EPS=0.20 | Chg30d=+0.010 | Revisions Net=+1 | Analysts=1
EPS next Year (2026-12-31): EPS=1.00 | Chg30d=+0.022 | Revisions Net=+1 | Growth EPS=+40.9% | Growth Revenue=+18.5%

Additional Sources for RELY Stock

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