REMITLY GLOBAL INC (RELY) Stock Fundamental Analysis
USA - NASDAQ:RELY - US75960P1049 - Common Stock
16.285 USD
-0.36 (-2.13%)
We assign a fundamental rating of 5 out of 10 to RELY. RELY was compared to 99 industry peers in the Financial Services industry. While RELY has a great health rating, there are worries on its profitability. RELY is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
In the past year RELY was profitable.
In the past year RELY had a positive cash flow from operations.
RELY had negative earnings in each of the past 5 years.
In the past 5 years RELY reported 4 times negative operating cash flow.
1.2 Ratios
RELY has a Return On Assets (1.21%) which is comparable to the rest of the industry.
The Return On Equity of RELY (1.84%) is worse than 65.66% of its industry peers.
RELY's Return On Invested Capital of 2.38% is in line compared to the rest of the industry. RELY outperforms 50.51% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.21% | ||
| ROE | 1.84% | ||
| ROIC | 2.38% |
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 worse Profit Margin (0.96%) than 68.69% of its industry peers.
The Operating Margin of RELY (1.66%) is worse than 70.71% of its industry peers.
With a decent Gross Margin value of 65.86%, RELY is doing good in the industry, outperforming 78.79% of the companies in the same industry.
RELY's Gross Margin has improved in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 1.66% | ||
| PM (TTM) | 0.96% | ||
| 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%
2. Health
2.1 Basic Checks
The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so RELY is destroying value.
The number of shares outstanding for RELY has been increased compared to 1 year ago.
Compared to 5 years ago, RELY has more shares outstanding
Compared to 1 year ago, RELY has an improved debt to assets ratio.
2.2 Solvency
An Altman-Z score of 6.53 indicates that RELY is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 6.53, RELY belongs to the top of the industry, outperforming 88.89% of the companies in the same industry.
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.
Looking at the Debt to FCF ratio, with a value of 0.01, RELY belongs to the top of the industry, outperforming 91.92% of the companies in the same industry.
RELY has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
RELY has a Debt to Equity ratio of 0.00. This is amongst the best in the industry. RELY outperforms 88.89% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Altman-Z | 6.53 |
ROIC/WACC0.28
WACC8.54%
2.3 Liquidity
A Current Ratio of 2.85 indicates that RELY has no problem at all paying its short term obligations.
Looking at the Current ratio, with a value of 2.85, RELY belongs to the top of the industry, outperforming 80.81% of the companies in the same industry.
A Quick Ratio of 2.85 indicates that RELY has no problem at all paying its short term obligations.
With an excellent Quick ratio value of 2.85, RELY belongs to the best of the industry, outperforming 81.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.85 | ||
| Quick Ratio | 2.85 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 110.71% over the past year.
The Revenue has grown by 35.12% in the past year. This is a very strong growth!
The Revenue has been growing by 58.44% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)110.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%150%
Revenue 1Y (TTM)35.12%
Revenue growth 3Y40.21%
Revenue growth 5Y58.44%
Sales Q2Q%34.41%
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 Y165.49%
EPS Next 2Y91.98%
EPS Next 3Y63.39%
EPS Next 5Y89.31%
Revenue Next Year28.91%
Revenue Next 2Y24.34%
Revenue Next 3Y22.12%
Revenue Next 5Y19.15%
3.3 Evolution
The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
Based on the Price/Earnings ratio of 271.42, the valuation of RELY can be described as expensive.
Based on the Price/Earnings ratio, RELY is valued a bit more expensive than the industry average as 77.78% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 27.00. RELY is valued rather expensively when compared to this.
Based on the Price/Forward Earnings ratio of 50.85, the valuation of RELY can be described as expensive.
RELY's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RELY is more expensive than 75.76% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.87. RELY is valued rather expensively when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 271.42 | ||
| Fwd PE | 50.85 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RELY is valued a bit more expensive than the industry average as 62.63% of the companies are valued more cheaply.
Based on the Price/Free Cash Flow ratio, RELY is valued a bit cheaper than 73.74% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.03 | ||
| EV/EBITDA | 58.48 |
4.3 Compensation for Growth
The PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
RELY's earnings are expected to grow with 63.39% in the coming years. This may justify a more expensive valuation.
PEG (NY)1.64
PEG (5Y)N/A
EPS Next 2Y91.98%
EPS Next 3Y63.39%
5. Dividend
5.1 Amount
No dividends for RELY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:RELY (10/29/2025, 2:45:09 PM)
16.285
-0.36 (-2.13%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners88.17%
Inst Owner Change-0.02%
Ins Owners3.22%
Ins Owner Change1.99%
Market Cap3.36B
Revenue(TTM)1.46B
Net Income(TTM)14.08M
Analysts85.71
Price Target27.39 (68.19%)
Short Float %5.86%
Short Ratio3.57
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)574.86%
Min EPS beat(2)314.43%
Max EPS beat(2)835.29%
EPS beat(4)4
Avg EPS beat(4)332.25%
Min EPS beat(4)66.06%
Max EPS beat(4)835.29%
EPS beat(8)7
Avg EPS beat(8)171.72%
EPS beat(12)10
Avg EPS beat(12)116.91%
EPS beat(16)11
Avg EPS beat(16)74.03%
Revenue beat(2)2
Avg Revenue beat(2)3.48%
Min Revenue beat(2)1.97%
Max Revenue beat(2)4.98%
Revenue beat(4)4
Avg Revenue beat(4)2.57%
Min Revenue beat(4)0.48%
Max Revenue beat(4)4.98%
Revenue beat(8)4
Avg Revenue beat(8)0.55%
Revenue beat(12)8
Avg Revenue beat(12)1.48%
Revenue beat(16)11
Avg Revenue beat(16)2.2%
PT rev (1m)-5.29%
PT rev (3m)-5.83%
EPS NQ rev (1m)9.09%
EPS NQ rev (3m)188.12%
EPS NY rev (1m)1.67%
EPS NY rev (3m)55.75%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)1.48%
Revenue NY rev (1m)-0.18%
Revenue NY rev (3m)2.1%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 271.42 | ||
| Fwd PE | 50.85 | ||
| P/S | 2.3 | ||
| P/FCF | 10.03 | ||
| P/OCF | 8.92 | ||
| P/B | 4.39 | ||
| P/tB | 4.77 | ||
| EV/EBITDA | 58.48 |
EPS(TTM)0.06
EY0.37%
EPS(NY)0.32
Fwd EY1.97%
FCF(TTM)1.62
FCFY9.97%
OCF(TTM)1.83
OCFY11.21%
SpS7.09
BVpS3.71
TBVpS3.41
PEG (NY)1.64
PEG (5Y)N/A
Graham Number2.24
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.21% | ||
| ROE | 1.84% | ||
| ROCE | 3.03% | ||
| ROIC | 2.38% | ||
| ROICexc | 20.66% | ||
| ROICexgc | 60.61% | ||
| OM | 1.66% | ||
| PM (TTM) | 0.96% | ||
| GM | 65.86% | ||
| FCFM | 22.9% |
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
ROICexgc growth 3YN/A
ROICexgc 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-Score8
Asset Turnover1.25
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Debt/EBITDA | 0.06 | ||
| Cap/Depr | 187.9% | ||
| Cap/Sales | 2.85% | ||
| Interest Coverage | 5.06 | ||
| Cash Conversion | 809.86% | ||
| Profit Quality | 2377.61% | ||
| Current Ratio | 2.85 | ||
| Quick Ratio | 2.85 | ||
| Altman-Z | 6.53 |
F-Score8
WACC8.54%
ROIC/WACC0.28
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)110.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%150%
EPS Next Y165.49%
EPS Next 2Y91.98%
EPS Next 3Y63.39%
EPS Next 5Y89.31%
Revenue 1Y (TTM)35.12%
Revenue growth 3Y40.21%
Revenue growth 5Y58.44%
Sales Q2Q%34.41%
Revenue Next Year28.91%
Revenue Next 2Y24.34%
Revenue Next 3Y22.12%
Revenue Next 5Y19.15%
EBIT growth 1Y123.45%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year490.28%
EBIT Next 3Y106.91%
EBIT Next 5Y81.86%
FCF growth 1Y275.81%
FCF growth 3YN/A
FCF growth 5Y170.09%
OCF growth 1Y306.14%
OCF growth 3YN/A
OCF growth 5Y87.29%
REMITLY GLOBAL INC / RELY FAQ
What is the ChartMill fundamental rating of REMITLY GLOBAL INC (RELY) stock?
ChartMill assigns a fundamental rating of 5 / 10 to RELY.
Can you provide the valuation status for REMITLY GLOBAL INC?
ChartMill assigns a valuation rating of 2 / 10 to REMITLY GLOBAL INC (RELY). This can be considered as Overvalued.
What is the profitability of RELY stock?
REMITLY GLOBAL INC (RELY) has a profitability rating of 2 / 10.
Can you provide the PE and PB ratios for RELY stock?
The Price/Earnings (PE) ratio for REMITLY GLOBAL INC (RELY) is 271.42 and the Price/Book (PB) ratio is 4.39.