12.49 USD
+0.09 (+0.73%)
12.75 USD
+0.26 (+2.08%)
We assign a fundamental rating of 5 out of 10 to RELY. RELY was compared to 99 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. 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.
In the past 5 years RELY always reported negative net income.
RELY had negative operating cash flow in 4 of the past 5 years.
1.2 Ratios
RELY has a Return On Assets of 1.73%. This is comparable to the rest of the industry: RELY outperforms 52.53% of its industry peers.
With a Return On Equity value of 2.63%, RELY is not doing good in the industry: 68.69% of the companies in the same industry are doing better.
RELY's Return On Invested Capital of 3.36% is in line compared to the rest of the industry. RELY outperforms 52.53% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.73% | ||
| ROE | 2.63% | ||
| ROIC | 3.36% |
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
The Profit Margin of RELY (1.36%) is worse than 70.71% of its industry peers.
RELY's Operating Margin of 2.31% is on the low side compared to the rest of the industry. RELY is outperformed by 71.72% of its industry peers.
Looking at the Gross Margin, with a value of 65.68%, RELY is in the better half of the industry, outperforming 77.78% of the companies in the same industry.
In the last couple of years the Gross Margin of RELY has grown nicely.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 2.31% | ||
| PM (TTM) | 1.36% | ||
| GM | 65.68% |
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.
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.
The debt/assets ratio for RELY has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 5.20 indicates that RELY is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 5.20, 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.
RELY's Debt to FCF ratio of 0.01 is amongst the best of the industry. RELY outperforms 93.94% of its industry peers.
A Debt/Equity ratio of 0.00 indicates that RELY is not too dependend on debt financing.
RELY has a better Debt to Equity ratio (0.00) than 90.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Altman-Z | 5.2 |
ROIC/WACC0.39
WACC8.55%
2.3 Liquidity
RELY has a Current Ratio of 2.88. This indicates that RELY is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of RELY (2.88) is better than 81.82% of its industry peers.
A Quick Ratio of 2.88 indicates that RELY has no problem at all paying its short term obligations.
RELY has a Quick ratio of 2.88. This is amongst the best in the industry. RELY outperforms 82.83% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.88 | ||
| Quick Ratio | 2.88 |
3. Growth
3.1 Past
RELY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 125.71%, which is quite impressive.
Looking at the last year, RELY shows a very strong growth in Revenue. The Revenue has grown by 31.27%.
The Revenue has been growing by 58.44% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)125.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%300%
Revenue 1Y (TTM)31.27%
Revenue growth 3Y40.21%
Revenue growth 5Y58.44%
Sales Q2Q%24.65%
3.2 Future
The Earnings Per Share is expected to grow by 89.31% on average over the next years. This is a very strong growth
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 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
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 138.78, RELY can be considered very expensive at the moment.
Based on the Price/Earnings ratio, RELY is valued a bit more expensive than 79.80% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 25.45, RELY is valued quite expensively.
With a Price/Forward Earnings ratio of 39.00, RELY can be considered very expensive at the moment.
RELY's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. RELY is more expensive than 72.73% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 34.46. RELY is around the same levels.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 138.78 | ||
| Fwd PE | 39 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RELY is on the same level as its industry peers.
64.65% of the companies in the same industry are more expensive than RELY, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.31 | ||
| EV/EBITDA | 27.68 |
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 63.39% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.84
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 |
12.49
+0.09 (+0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners88.17%
Inst Owner Change-78.55%
Ins Owners3.22%
Ins Owner Change3.33%
Market Cap2.58B
Revenue(TTM)1.54B
Net Income(TTM)20.99M
Analysts85.71
Price Target22.17 (77.5%)
Short Float %6.58%
Short Ratio3.18
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)449.35%
Min EPS beat(2)63.4%
Max EPS beat(2)835.29%
EPS beat(4)4
Avg EPS beat(4)319.8%
Min EPS beat(4)63.4%
Max EPS beat(4)835.29%
EPS beat(8)8
Avg EPS beat(8)182.47%
EPS beat(12)11
Avg EPS beat(12)125.68%
EPS beat(16)12
Avg EPS beat(16)86.26%
Revenue beat(2)1
Avg Revenue beat(2)2.21%
Min Revenue beat(2)-0.57%
Max Revenue beat(2)4.98%
Revenue beat(4)3
Avg Revenue beat(4)1.71%
Min Revenue beat(4)-0.57%
Max Revenue beat(4)4.98%
Revenue beat(8)4
Avg Revenue beat(8)0.6%
Revenue beat(12)7
Avg Revenue beat(12)1.27%
Revenue beat(16)10
Avg Revenue beat(16)1.59%
PT rev (1m)-19.07%
PT rev (3m)-25.13%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.67%
Revenue NQ rev (1m)-0.78%
Revenue NQ rev (3m)-1.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 138.78 | ||
| Fwd PE | 39 | ||
| P/S | 1.67 | ||
| P/FCF | 13.31 | ||
| P/OCF | 11.14 | ||
| P/B | 3.23 | ||
| P/tB | 3.49 | ||
| EV/EBITDA | 27.68 |
EPS(TTM)0.09
EY0.72%
EPS(NY)0.32
Fwd EY2.56%
FCF(TTM)0.94
FCFY7.51%
OCF(TTM)1.12
OCFY8.97%
SpS7.49
BVpS3.87
TBVpS3.58
PEG (NY)0.84
PEG (5Y)N/A
Graham Number2.8
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 1.73% | ||
| ROE | 2.63% | ||
| ROCE | 4.26% | ||
| ROIC | 3.36% | ||
| ROICexc | 23.98% | ||
| ROICexgc | 48.25% | ||
| OM | 2.31% | ||
| PM (TTM) | 1.36% | ||
| GM | 65.68% | ||
| FCFM | 12.52% |
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-Score7
Asset Turnover1.27
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Debt/EBITDA | 0.04 | ||
| Cap/Depr | 120.5% | ||
| Cap/Sales | 2.44% | ||
| Interest Coverage | 8.32 | ||
| Cash Conversion | 345.26% | ||
| Profit Quality | 921.59% | ||
| Current Ratio | 2.88 | ||
| Quick Ratio | 2.88 | ||
| Altman-Z | 5.2 |
F-Score7
WACC8.55%
ROIC/WACC0.39
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)125.71%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%300%
EPS Next Y165.49%
EPS Next 2Y91.98%
EPS Next 3Y63.39%
EPS Next 5Y89.31%
Revenue 1Y (TTM)31.27%
Revenue growth 3Y40.21%
Revenue growth 5Y58.44%
Sales Q2Q%24.65%
Revenue Next Year28.91%
Revenue Next 2Y24.34%
Revenue Next 3Y22.12%
Revenue Next 5Y19.15%
EBIT growth 1Y153.82%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year490.28%
EBIT Next 3Y106.91%
EBIT Next 5Y81.86%
FCF growth 1Y283.54%
FCF growth 3YN/A
FCF growth 5Y170.09%
OCF growth 1Y339.56%
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 4 / 10 to REMITLY GLOBAL INC (RELY). This can be considered as Fairly Valued.
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 138.78 and the Price/Book (PB) ratio is 3.23.