RELY Fundamental Analysis - REMITLY GLOBAL INC

Fundamental Rating

We assign a fundamental rating of 4 out of 10 to RELY. RELY was compared to 101 industry peers in the Financial Services industry. No worries on liquidiy or solvency for RELY as it has an excellent financial health rating, but there are worries on the profitability. While showing a medium growth rate, RELY is valued expensive at the moment.

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1. Profitability

1.1 Basic Checks

RELY had negative earnings in the past year.

RELY had a positive operating cash flow in the past year.

RELY had negative earnings in each of the past 5 years.

RELY had negative operating cash flow in 4 of the past 5 years.

1.2 Ratios

The Return On Assets of RELY (-0.41%) is worse than 78.22% of its industry peers.

RELY's Return On Equity of -0.63% is on the low side compared to the rest of the industry. RELY is outperformed by 77.23% of its industry peers.

		Industry Rank	Sector Rank
ROA	-0.41%
ROE	-0.63%
ROIC	N/A

ROA(3y)-10.47%

ROA(5y)-9.32%

ROE(3y)-17.19%

ROE(5y)-15.62%

ROIC(3y)N/A

ROIC(5y)N/A

1.3 Margins

RELY has a better Gross Margin (65.86%) than 79.21% of its industry peers.

In the last couple of years the Gross Margin of RELY has grown nicely.

The Profit Margin and Operating Margin are not available for RELY so they could not be analyzed.

		Industry Rank	Sector Rank
OM	N/A
PM (TTM)	N/A
GM	65.86%

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y4.19%

GM growth 5Y3.35%

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ROA

ROE

ROIC

Operating and Profit Margin

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2. Health

2.1 Basic Checks

RELY does not have a ROIC to compare to the WACC, probably because it is not profitable.

Compared to 1 year ago, RELY has more shares outstanding

The number of shares outstanding for RELY has been increased compared to 5 years ago.

RELY has a better debt/assets ratio than last year.

2.2 Solvency

RELY has an Altman-Z score of 6.36. This indicates that RELY is financially healthy and has little risk of bankruptcy at the moment.

RELY's Altman-Z score of 6.36 is amongst the best of the industry. RELY outperforms 90.10% of its industry peers.

The Debt to FCF ratio of RELY is 0.01, which is an excellent value as it means it would take RELY, only 0.01 years of fcf income to pay off all of its debts.

RELY has a Debt to FCF ratio of 0.01. This is amongst the best in the industry. RELY outperforms 93.07% of its industry peers.

RELY has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.

Looking at the Debt to Equity ratio, with a value of 0.00, RELY belongs to the top of the industry, outperforming 91.09% of the companies in the same industry.

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0.01
Altman-Z	6.36

ROIC/WACCN/A

WACC8.75%

2.3 Liquidity

A Current Ratio of 2.78 indicates that RELY has no problem at all paying its short term obligations.

RELY has a Current ratio of 2.78. This is amongst the best in the industry. RELY outperforms 81.19% of its industry peers.

RELY has a Quick Ratio of 2.78. This indicates that RELY is financially healthy and has no problem in meeting its short term obligations.

The Quick ratio of RELY (2.78) is better than 82.18% of its industry peers.

		Industry Rank	Sector Rank
Current Ratio	2.78
Quick Ratio	2.78

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WACC

Debt/Equity

How to determine the health of a company

Altman-Z score

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3. Growth

3.1 Past

RELY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 95.08%, which is quite impressive.

RELY shows a strong growth in Revenue. In the last year, the Revenue has grown by 34.37%.

Measured over the past years, RELY shows a very strong growth in Revenue. The Revenue has been growing by 58.44% on average per year.

EPS 1Y (TTM)95.08%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%145.45%

Revenue 1Y (TTM)34.37%

Revenue growth 3Y40.21%

Revenue growth 5Y58.44%

Sales Q2Q%34.37%

3.2 Future

RELY is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 89.31% yearly.

The Revenue is expected to grow by 19.15% on average over the next years. This is quite good.

EPS Next Y142.05%

EPS Next 2Y84.76%

EPS Next 3Y72.88%

EPS Next 5Y89.31%

Revenue Next Year26.17%

Revenue Next 2Y23.36%

Revenue Next 3Y21.15%

Revenue Next 5Y19.15%

3.3 Evolution

Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for RELY. In the last year negative earnings were reported.

RELY is valuated quite expensively with a Price/Forward Earnings ratio of 58.79.

Compared to the rest of the industry, the Price/Forward Earnings ratio of RELY indicates a slightly more expensive valuation: RELY is more expensive than 78.22% of the companies listed in the same industry.

RELY is valuated expensively when we compare the Price/Forward Earnings ratio to 36.21, which is the current average of the S&P500 Index.

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	58.79

4.2 Price Multiples

Based on the Enterprise Value to EBITDA ratio, RELY is valued a bit more expensive than 71.29% of the companies in the same industry.

RELY's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. RELY is cheaper than 77.23% of the companies in the same industry.

		Industry Rank	Sector Rank
P/FCF	9.1
EV/EBITDA	183.51

4.3 Compensation for Growth

RELY's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.

RELY's earnings are expected to grow with 72.88% in the coming years. This may justify a more expensive valuation.

PEG (NY)N/A

PEG (5Y)N/A

EPS Next 2Y84.76%

EPS Next 3Y72.88%

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5. Dividend

5.1 Amount

RELY does not give a dividend.

		Industry Rank	Sector Rank
Dividend Yield	N/A

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REMITLY GLOBAL INC

NASDAQ:RELY (8/1/2025, 8:00:02 PM)

After market: 15.8 +0.01 (+0.06%)

15.79

-0.71 (-4.3%)

Chartmill FA Rating

GICS SectorFinancials

GICS IndustryGroupFinancial Services

GICS IndustryFinancial Services

Earnings (Last)05-07 2025-05-07/amc

Earnings (Next)08-06 2025-08-06/amc

Inst Owners78.69%

Inst Owner Change-0.23%

Ins Owners3.24%

Ins Owner Change-0.91%

Market Cap3.22B

Analysts82.22

Price Target29.09 (84.23%)

Short Float %7.01%

Short Ratio3.92

Dividend

		Industry Rank	Sector Rank
Dividend Yield	N/A

Yearly DividendN/A

Dividend Growth(5Y)N/A

DPN/A

Div Incr Years0

Div Non Decr Years0

Ex-DateN/A

Surprises & Revisions

EPS beat(2)2

Avg EPS beat(2)190.25%

Min EPS beat(2)66.06%

Max EPS beat(2)314.43%

EPS beat(4)4

Avg EPS beat(4)132.83%

Min EPS beat(4)37.61%

Max EPS beat(4)314.43%

EPS beat(8)7

Avg EPS beat(8)71.64%

EPS beat(12)9

Avg EPS beat(12)40.76%

EPS beat(16)N/A

Avg EPS beat(16)N/A

Revenue beat(2)2

Avg Revenue beat(2)1.22%

Min Revenue beat(2)0.48%

Max Revenue beat(2)1.97%

Revenue beat(4)3

Avg Revenue beat(4)1.19%

Min Revenue beat(4)-0.54%

Max Revenue beat(4)2.86%

Revenue beat(8)4

Avg Revenue beat(8)0.72%

Revenue beat(12)8

Avg Revenue beat(12)1.36%

Revenue beat(16)N/A

Avg Revenue beat(16)N/A

PT rev (1m)0.68%

PT rev (3m)5.65%

EPS NQ rev (1m)-39.86%

EPS NQ rev (3m)29.95%

EPS NY rev (1m)-12.97%

EPS NY rev (3m)174.17%

Revenue NQ rev (1m)-0.14%

Revenue NQ rev (3m)-0.46%

Revenue NY rev (1m)-0.06%

Revenue NY rev (3m)0.37%

Valuation

		Industry Rank	Sector Rank
PE	N/A
Fwd PE	58.79
P/S	2.37
P/FCF	9.1
P/OCF	8.38
P/B	4.45
P/tB	4.88
EV/EBITDA	183.51

EPS(TTM)-0.03

EYN/A

EPS(NY)0.27

Fwd EY1.7%

FCF(TTM)1.74

FCFY10.99%

OCF(TTM)1.88

OCFY11.94%

SpS6.65

BVpS3.55

TBVpS3.24

PEG (NY)N/A

PEG (5Y)N/A

Profitability

		Industry Rank	Sector Rank
ROA	-0.41%
ROE	-0.63%
ROCE	N/A
ROIC	N/A
ROICexc	N/A
ROICexgc	N/A
OM	N/A
PM (TTM)	N/A
GM	65.86%
FCFM	26.09%

ROA(3y)-10.47%

ROA(5y)-9.32%

ROE(3y)-17.19%

ROE(5y)-15.62%

ROIC(3y)N/A

ROIC(5y)N/A

ROICexc(3y)N/A

ROICexc(5y)N/A

ROICexgc(3y)N/A

ROICexgc(5y)N/A

ROCE(3y)N/A

ROCE(5y)N/A

ROICexcg growth 3YN/A

ROICexcg growth 5YN/A

ROICexc growth 3YN/A

ROICexc growth 5YN/A

OM growth 3YN/A

OM growth 5YN/A

PM growth 3YN/A

PM growth 5YN/A

GM growth 3Y4.19%

GM growth 5Y3.35%

F-Score7

Asset Turnover1.23

Health

		Industry Rank	Sector Rank
Debt/Equity	0
Debt/FCF	0.01
Debt/EBITDA	0.18
Cap/Depr	153.25%
Cap/Sales	2.23%
Interest Coverage	N/A
Cash Conversion	2811.74%
Profit Quality	N/A
Current Ratio	2.78
Quick Ratio	2.78
Altman-Z	6.36

F-Score7

WACC8.75%

ROIC/WACCN/A

Cap/Depr(3y)90.84%

Cap/Depr(5y)93.25%

Cap/Sales(3y)1.15%

Cap/Sales(5y)1.23%

Profit Quality(3y)N/A

Profit Quality(5y)N/A

High Growth Momentum

Growth

EPS 1Y (TTM)95.08%

EPS 3YN/A

EPS 5YN/A

EPS Q2Q%145.45%

EPS Next Y142.05%

EPS Next 2Y84.76%

EPS Next 3Y72.88%

EPS Next 5Y89.31%

Revenue 1Y (TTM)34.37%

Revenue growth 3Y40.21%

Revenue growth 5Y58.44%

Sales Q2Q%34.37%

Revenue Next Year26.17%

Revenue Next 2Y23.36%

Revenue Next 3Y21.15%

Revenue Next 5Y19.15%

EBIT growth 1Y94.24%

EBIT growth 3YN/A

EBIT growth 5YN/A

EBIT Next Year454.5%

EBIT Next 3Y101.59%

EBIT Next 5Y81.86%

FCF growth 1Y331.99%

FCF growth 3YN/A

FCF growth 5Y170.09%

OCF growth 1Y365.04%

OCF growth 3YN/A

OCF growth 5Y87.29%

REMITLY GLOBAL INC (RELY) Stock Fundamental Analysis

1. Profitability

1.1 Basic Checks

1.2 Ratios

1.3 Margins

More info and screens

2. Health

2.1 Basic Checks

2.2 Solvency

2.3 Liquidity

More info and screens

3. Growth

3.1 Past

3.2 Future

3.3 Evolution

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4. Valuation

4.1 Price/Earnings Ratio

4.2 Price Multiples

4.3 Compensation for Growth

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5. Dividend

5.1 Amount

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