(RELY) Remitly Global - Ratings and Ratios

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

Remittances, Mobile App, Website

Transaction & Payment Processing Services
Market Cap in USD: 2,872m

IPO / Inception: 2021-09-23
12m vs SPY: -49.6%

EPS (Earnings per Share)

EPS CAGR: 24.98%
EPS Trend: 81.2%

Last SUE: -4.00
Qual. Beats: 0

Revenue

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	43.1%
Value at Risk 5%th	60.2%
Relative Tail Risk	-15.11%

Reward TTM
Sharpe Ratio	-0.88
Alpha	-59.69
CAGR/Max DD	0.08

Character TTM
Hurst Exponent	0.439
Beta	0.973
Beta Downside	1.313

Drawdowns 3y
Max DD	57.92%
Mean DD	26.36%
Median DD	26.91%

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 (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

(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) 68.42

1. Piotroski 7.0pt

2. FCF Yield 7.96%

3. FCF Margin 12.52%

4. Debt/Equity 0.04

5. Debt/Ebitda -6.82

6. ROIC - WACC (= -5.94)%

7. RoE 2.85%

8. Rev. Trend 99.24%

9. EPS Trend 81.21%

What is the price of RELY shares?

As of January 12, 2026, the stock is trading at USD 13.74 with a total of 2,840,570 shares traded.
Over the past week, the price has changed by +4.81%, over one month by -8.03%, over three months by -7.47% and over the past year by -39.15%.

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	20.5	49.2%
Analysts Target Price	20.5	49.2%
ValueRay Target Price	12.9	-6.3%

RELY Fundamental Data Overview January 12, 2026

P/E Trailing = 152.6667
P/S = 1.8593
P/B = 3.6031
Beta = 0.108
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 = 2.43b USD (2.87b + Debt 35.5m - CCE 476.9m)
Interest Coverage Ratio = 6.03 (Ebit TTM 36.4m / Interest Expense TTM 6.03m)
EV/FCF = 12.56x (Enterprise Value 2.43b / FCF TTM 193.5m)
FCF Yield = 7.96% (FCF TTM 193.5m / Enterprise Value 2.43b)
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 = 2.00 (Enterprise Value 2.43b / 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 = 9.44% (E(2.87b)/V(2.91b) * Re(9.50%) + D(35.5m)/V(2.91b) * Rd(5.96%) * (1-Tc(0.29)))
Discount Rate = 9.50% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 7.97%
[DCF Debug] Terminal Value 66.11% ; FCFF base≈153.1m ; Y1≈109.3m ; Y5≈59.1m
Fair Price DCF = 6.40 (EV 896.3m - Net Debt -441.4m = Equity 1.34b / Shares 209.0m; r=9.44% [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=0.98 | Chg30d=+0.005 | Revisions Net=+1 | Growth EPS=+37.9% | Growth Revenue=+18.5%

Additional Sources for RELY Stock

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