Overview Dividends

(RELY) Remitly Global - Ratings and Ratios

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

Cross-Border Remittances, Mobile App, Website

RELY EPS (Earnings per Share)

EPS Growth (3Y CAGR): 30.12%
EPS Trend (3Y Correlation): 77.3%

RELY Revenue

Revenue Growth (3Y CAGR): 38.18%
Revenue Trend (3Y Correlation): 99.4%

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.

RELY Stock Overview

Market Cap in USD	3,307m
Sub-Industry	Transaction & Payment Processing Services
IPO / Inception	2021-09-23

RELY Stock Ratings

Growth Rating	-16.5%
Fundamental	77.0%
Dividend Rating	-
Return 12m vs S&P 500	-42.8%
Analyst Rating	4.17 of 5

RELY Dividends

Currently no dividends paid

RELY Growth Ratios

Growth Correlation 3m	-80.1%
Growth Correlation 12m	-75.4%
Growth Correlation 5y	32.8%
CAGR 5y	5.93%
CAGR/Max DD 3y (Calmar Ratio)	0.10
CAGR/Mean DD 3y (Pain Ratio)	0.25
Sharpe Ratio 12m	-0.63
Alpha	-39.91
Beta	0.100
Volatility	52.67%
Current Volume	10414.2k
Average Volume 20d	3079.4k
Stop Loss	12 (-5.6%)
Signal	-0.15

Piotroski VR‑10 (Strict, 0-10) 7.0

Net Income (14.1m TTM) > 0 and > 6% of Revenue (6% = 87.7m TTM)

FCFTA 0.32 (>2.0%) and ΔFCFTA 33.72pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 46.06% (prev 46.09%; Δ -0.04pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA 0.32 (>3.0%) and CFO 376.5m > Net Income 14.1m (YES >=105%, WARN >=100%)

Net Debt (-483.5m) to EBITDA (56.0m) ratio: -8.64 <= 3.0 (WARN <= 3.5)

Current Ratio 2.85 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (219.0m) change vs 12m ago 13.19% (target <= -2.0% for YES)

Gross Margin 59.17% (prev 58.06%; Δ 1.11pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 138.2% (prev 113.9%; Δ 24.29pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio 7.63 (EBITDA TTM 56.0m / Interest Expense TTM 4.68m) >= 6 (WARN >= 3)

Altman Z'' 1.26

(A) 0.58 = (Total Current Assets 1.04b - Total Current Liabilities 363.7m) / Total Assets 1.17b

(B) -0.44 = Retained Earnings (Balance) -510.4m / Total Assets 1.17b

(D) -1.26 = Book Value of Equity -506.2m / Total Liabilities 401.2m

Total Rating: 1.26 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 76.96

1. Piotroski 7.0pt = 2.0

2. FCF Yield 14.31% = 5.0

3. FCF Margin 25.13% = 6.28

4. Debt/Equity 0.04 = 2.50

5. Debt/Ebitda -8.64 = 2.50

6. ROIC - WACC (= -2.25)% = -2.81

7. RoE 2.02% = 0.17

8. Rev. Trend 99.39% = 7.45

9. EPS Trend 77.33% = 3.87

What is the price of RELY shares?

As of November 09, 2025, the stock is trading at USD 12.71 with a total of 10,414,235 shares traded.
Over the past week, the price has changed by -20.76%, over one month by -19.71%, over three months by -32.93% and over the past year by -34.72%.

Is Remitly Global a good stock to buy?

Partly, yes. Based on ValueRay´s Fundamental Analyses, Remitly Global (NASDAQ:RELY) is currently (November 2025) ok to buy, but has to be watched. It has a ValueRay Fundamental Rating of 76.96 and therefor a somewhat positive outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of RELY is around 9.99 USD . This means that RELY is currently overvalued and has a potential downside of -21.4%.

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	24.8	95.4%
Analysts Target Price	24.8	95.4%
ValueRay Target Price	10.9	-14%

RELY Fundamental Data Overview November 04, 2025

Market Cap USD = 3.31b (3.31b USD * 1.0 USD.USD)
P/E Trailing = 267.3333
P/S = 2.2624
P/B = 4.3345
Beta = 0.1
Revenue TTM = 1.46b USD
EBIT TTM = 35.7m USD
EBITDA TTM = 56.0m USD
Long Term Debt = 29.7m USD (from capitalLeaseObligations, last quarter)
Short Term Debt = 6.50m USD (from shortTermDebt, last quarter)
Debt = 32.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = -483.5m USD (from netDebt column, last quarter)
Enterprise Value = 2.57b USD (3.31b + Debt 32.4m - CCE 773.3m)
Interest Coverage Ratio = 7.63 (Ebit TTM 35.7m / Interest Expense TTM 4.68m)
FCF Yield = 14.31% (FCF TTM 367.4m / Enterprise Value 2.57b)
FCF Margin = 25.13% (FCF TTM 367.4m / Revenue TTM 1.46b)
Net Margin = 0.96% (Net Income TTM 14.1m / Revenue TTM 1.46b)
Gross Margin = 59.17% ((Revenue TTM 1.46b - Cost of Revenue TTM 596.9m) / Revenue TTM)
Gross Margin QoQ = 57.47% (prev 60.19%)
Tobins Q-Ratio = 2.20 (Enterprise Value 2.57b / Total Assets 1.17b)
Interest Expense / Debt = 5.10% (Interest Expense 1.65m / Debt 32.4m)
Taxrate = 19.45% (1.58m / 8.11m)
NOPAT = 28.7m (EBIT 35.7m * (1 - 19.45%))
Current Ratio = 2.85 (Total Current Assets 1.04b / Total Current Liabilities 363.7m)
Debt / Equity = 0.04 (Debt 32.4m / totalStockholderEquity, last quarter 764.9m)
Debt / EBITDA = -8.64 (Net Debt -483.5m / EBITDA 56.0m)
Debt / FCF = -1.32 (Net Debt -483.5m / FCF TTM 367.4m)
Total Stockholder Equity = 696.2m (last 4 quarters mean from totalStockholderEquity)
RoA = 1.21% (Net Income 14.1m / Total Assets 1.17b)
RoE = 2.02% (Net Income TTM 14.1m / Total Stockholder Equity 696.2m)
RoCE = 4.91% (EBIT 35.7m / Capital Employed (Equity 696.2m + L.T.Debt 29.7m))
RoIC = 4.11% (NOPAT 28.7m / Invested Capital 698.7m)
WACC = 6.36% (E(3.31b)/V(3.34b) * Re(6.38%) + D(32.4m)/V(3.34b) * Rd(5.10%) * (1-Tc(0.19)))
Discount Rate = 6.38% (= CAPM, Blume Beta Adj.) -> floored to rf + 0.7*ERP = 8.05%
Shares Correlation 3-Years: 100.0 | Cagr: 8.40%
[DCF Debug] Terminal Value 72.31% ; FCFE base≈367.4m ; Y1≈262.3m ; Y5≈141.9m
Fair Price DCF = 13.19 (DCF Value 2.72b / Shares Outstanding 206.2m; 5y FCF grow -33.63% → 3.0% )
EPS Correlation: 77.33 | EPS CAGR: 30.12% | SUE: -4.0 | # QB: 0
Revenue Correlation: 99.39 | Revenue CAGR: 38.18% | SUE: 4.00 | # QB: 4

Additional Sources for RELY Stock

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