REMITLY GLOBAL INC (RELY) Stock Fundamental Analysis
USA - NASDAQ:RELY - US75960P1049 - Common Stock
16.63 USD
+0.01 (+0.06%)
We assign a fundamental rating of 5 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. RELY is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
RELY had positive earnings in the past year.
In the past year RELY had a positive cash flow from operations.
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
RELY's Return On Assets of 1.21% is in line compared to the rest of the industry. RELY outperforms 50.49% of its industry peers.
With a Return On Equity value of 1.84%, RELY is not doing good in the industry: 66.34% of the companies in the same industry are doing better.
RELY's Return On Invested Capital of 2.38% is in line compared to the rest of the industry. RELY outperforms 49.51% 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
Looking at the Profit Margin, with a value of 0.96%, RELY is doing worse than 69.31% of the companies in the same industry.
RELY has a Operating Margin of 1.66%. This is in the lower half of the industry: RELY underperforms 72.28% of its industry peers.
The Gross Margin of RELY (65.86%) is better than 78.22% of its industry peers.
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
RELY has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it 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.
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.
RELY has a Altman-Z score of 6.53. This is amongst the best in the industry. RELY outperforms 90.10% 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 Debt to FCF ratio of 0.01. This is amongst the best in the industry. RELY outperforms 94.06% 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 91.09% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Altman-Z | 6.53 |
ROIC/WACC0.27
WACC8.68%
2.3 Liquidity
RELY has a Current Ratio of 2.85. This indicates that RELY is financially healthy and has no problem in meeting its short term obligations.
RELY's Current ratio of 2.85 is amongst the best of the industry. RELY outperforms 83.17% of its industry peers.
RELY has a Quick Ratio of 2.85. This indicates that RELY is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of RELY (2.85) is better than 84.16% of its industry peers.
| 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!
RELY shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 58.44% yearly.
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
Based on estimates for the next years, RELY will show a very strong growth in Earnings Per Share. The EPS will grow by 89.31% on average per year.
The Revenue is expected to grow by 19.15% on average over the next years. This is quite good.
EPS Next Y164.42%
EPS Next 2Y91.98%
EPS Next 3Y61.01%
EPS Next 5Y89.31%
Revenue Next Year29.14%
Revenue Next 2Y24.84%
Revenue Next 3Y22.9%
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
The Price/Earnings ratio is 277.17, which means the current valuation is very expensive for RELY.
Based on the Price/Earnings ratio, RELY is valued expensively inside the industry as 80.20% of the companies are valued cheaper.
Compared to an average S&P500 Price/Earnings ratio of 27.41, RELY is valued quite expensively.
The Price/Forward Earnings ratio is 51.92, which means the current valuation is very expensive for RELY.
77.23% of the companies in the same industry are cheaper than RELY, based on the Price/Forward Earnings ratio.
Compared to an average S&P500 Price/Forward Earnings ratio of 22.87, RELY is valued quite expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 277.17 | ||
| Fwd PE | 51.92 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, RELY is valued a bit more expensive than the industry average as 63.37% of the companies are valued more cheaply.
76.24% 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 | 10.24 | ||
| EV/EBITDA | 58.4 |
4.3 Compensation for Growth
RELY's PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a correct valuation of the company.
A more expensive valuation may be justified as RELY's earnings are expected to grow with 61.01% in the coming years.
PEG (NY)1.69
PEG (5Y)N/A
EPS Next 2Y91.98%
EPS Next 3Y61.01%
5. Dividend
5.1 Amount
RELY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NASDAQ:RELY (9/24/2025, 1:37:54 PM)
16.63
+0.01 (+0.06%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners78.76%
Inst Owner Change5.64%
Ins Owners3.24%
Ins Owner Change2.3%
Market Cap3.43B
Analysts82.86
Price Target28.92 (73.9%)
Short Float %7.19%
Short Ratio3.39
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)-0.58%
PT rev (3m)0.11%
EPS NQ rev (1m)0%
EPS NQ rev (3m)40.04%
EPS NY rev (1m)0%
EPS NY rev (3m)33.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)1.43%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.29%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 277.17 | ||
| Fwd PE | 51.92 | ||
| P/S | 2.35 | ||
| P/FCF | 10.24 | ||
| P/OCF | 9.11 | ||
| P/B | 4.48 | ||
| P/tB | 4.87 | ||
| EV/EBITDA | 58.4 |
EPS(TTM)0.06
EY0.36%
EPS(NY)0.32
Fwd EY1.93%
FCF(TTM)1.62
FCFY9.76%
OCF(TTM)1.83
OCFY10.98%
SpS7.09
BVpS3.71
TBVpS3.41
PEG (NY)1.69
PEG (5Y)N/A
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
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-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
WACC8.68%
ROIC/WACC0.27
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 Y164.42%
EPS Next 2Y91.98%
EPS Next 3Y61.01%
EPS Next 5Y89.31%
Revenue 1Y (TTM)35.12%
Revenue growth 3Y40.21%
Revenue growth 5Y58.44%
Sales Q2Q%34.41%
Revenue Next Year29.14%
Revenue Next 2Y24.84%
Revenue Next 3Y22.9%
Revenue Next 5Y19.15%
EBIT growth 1Y123.45%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year454.37%
EBIT Next 3Y98.4%
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%