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REMITLY GLOBAL INC (RELY) Stock Fundamental Analysis

NASDAQ:RELY - Nasdaq - US75960P1049 - Common Stock - Currency: USD

17.36  -0.91 (-4.98%)

After market: 17.6392 +0.28 (+1.61%)

Fundamental Rating

4

RELY gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 100 industry peers in the Financial Services industry. RELY has a great financial health rating, but its profitability evaluates not so good. RELY is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

In the past year RELY has reported negative net income.
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.
RELY Yearly Net Income VS EBIT VS OCF VS FCFRELY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 100M -100M

1.2 Ratios

Looking at the Return On Assets, with a value of -0.41%, RELY is doing worse than 79.00% of the companies in the same industry.
RELY has a Return On Equity of -0.63%. This is in the lower half of the industry: RELY underperforms 78.00% of its industry peers.
Industry RankSector 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
RELY Yearly ROA, ROE, ROICRELY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 -10 -20 -30 -40 -50

1.3 Margins

RELY has a better Gross Margin (65.86%) than 80.00% of its industry peers.
RELY's Gross Margin has improved in the last couple of years.
The Profit Margin and Operating Margin are not available for RELY so they could not be analyzed.
Industry RankSector 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%
RELY Yearly Profit, Operating, Gross MarginsRELY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60

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8

2. Health

2.1 Basic Checks

RELY does not have a ROIC to compare to the WACC, probably because it is not profitable.
RELY has more shares outstanding than it did 1 year ago.
Compared to 5 years ago, RELY has more shares outstanding
The debt/assets ratio for RELY has been reduced compared to a year ago.
RELY Yearly Shares OutstandingRELY Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
RELY Yearly Total Debt VS Total AssetsRELY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

An Altman-Z score of 7.17 indicates that RELY is not in any danger for bankruptcy at the moment.
RELY's Altman-Z score of 7.17 is amongst the best of the industry. RELY outperforms 90.00% of its industry peers.
RELY has a debt to FCF ratio of 0.01. This is a very positive value and a sign of high solvency as it would only need 0.01 years to pay back of all of its debts.
RELY has a better Debt to FCF ratio (0.01) than 93.00% of its industry peers.
A Debt/Equity ratio of 0.00 indicates that RELY is not too dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.00, RELY belongs to the top of the industry, outperforming 91.00% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z 7.17
ROIC/WACCN/A
WACC8.96%
RELY Yearly LT Debt VS Equity VS FCFRELY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

2.3 Liquidity

RELY has a Current Ratio of 2.78. This indicates that RELY is financially healthy and has no problem in meeting its short term obligations.
RELY's Current ratio of 2.78 is amongst the best of the industry. RELY outperforms 81.00% of its industry peers.
A Quick Ratio of 2.78 indicates that RELY has no problem at all paying its short term obligations.
RELY's Quick ratio of 2.78 is amongst the best of the industry. RELY outperforms 82.00% of its industry peers.
Industry RankSector Rank
Current Ratio 2.78
Quick Ratio 2.78
RELY Yearly Current Assets VS Current LiabilitesRELY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

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6

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.
Looking at the last year, RELY shows a very strong growth in Revenue. The Revenue has grown by 34.37%.
RELY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 58.44% yearly.
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.
Based on estimates for the next years, RELY will show a quite strong growth in Revenue. The Revenue will grow by 19.15% on average per year.
EPS Next Y148.32%
EPS Next 2Y89.21%
EPS Next 3Y77.55%
EPS Next 5Y89.31%
Revenue Next Year26.25%
Revenue Next 2Y23.3%
Revenue Next 3Y21.13%
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.
RELY Yearly Revenue VS EstimatesRELY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B 2.5B
RELY Yearly EPS VS EstimatesRELY Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 0.5 -0.5 1 1.5 2

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3

4. Valuation

4.1 Price/Earnings Ratio

RELY reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Based on the Price/Forward Earnings ratio of 57.83, the valuation of RELY can be described as expensive.
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 79.00% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of RELY to the average of the S&P500 Index (21.76), we can say RELY is valued expensively.
Industry RankSector Rank
PE N/A
Fwd PE 57.83
RELY Price Earnings VS Forward Price EarningsRELY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 -200 -400

4.2 Price Multiples

RELY's Enterprise Value to EBITDA ratio is a bit more expensive when compared to the industry. RELY is more expensive than 72.00% of the companies in the same industry.
74.00% of the companies in the same industry are more expensive than RELY, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 10
EV/EBITDA 220.51
RELY Per share dataRELY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as RELY's earnings are expected to grow with 77.55% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y89.21%
EPS Next 3Y77.55%

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0

5. Dividend

5.1 Amount

No dividends for RELY!.
Industry RankSector Rank
Dividend Yield N/A

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REMITLY GLOBAL INC

NASDAQ:RELY (7/11/2025, 8:00:02 PM)

After market: 17.6392 +0.28 (+1.61%)

17.36

-0.91 (-4.98%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-07 2025-05-07/amc
Earnings (Next)07-30 2025-07-30/amc
Inst Owners78.69%
Inst Owner Change0%
Ins Owners3.24%
Ins Owner Change-0.91%
Market Cap3.54B
Analysts82.22
Price Target28.89 (66.42%)
Short Float %5.42%
Short Ratio3.31
Dividend
Industry RankSector 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)4.94%
PT rev (3m)-9.73%
EPS NQ rev (1m)0%
EPS NQ rev (3m)49.91%
EPS NY rev (1m)0%
EPS NY rev (3m)215.02%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.28%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.44%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 57.83
P/S 2.61
P/FCF 10
P/OCF 9.21
P/B 4.89
P/tB 5.36
EV/EBITDA 220.51
EPS(TTM)-0.03
EYN/A
EPS(NY)0.3
Fwd EY1.73%
FCF(TTM)1.74
FCFY10%
OCF(TTM)1.88
OCFY10.86%
SpS6.65
BVpS3.55
TBVpS3.24
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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 7.17
F-Score7
WACC8.96%
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 Y148.32%
EPS Next 2Y89.21%
EPS Next 3Y77.55%
EPS Next 5Y89.31%
Revenue 1Y (TTM)34.37%
Revenue growth 3Y40.21%
Revenue growth 5Y58.44%
Sales Q2Q%34.37%
Revenue Next Year26.25%
Revenue Next 2Y23.3%
Revenue Next 3Y21.13%
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%