REMITLY GLOBAL INC (RELY) Stock Fundamental Analysis

USA • Nasdaq • NASDAQ:RELY • US75960P1049

12.815 USD
+0.01 (+0.12%)
Last: Feb 6, 2026, 01:17 PM
Fundamental Rating

5

Taking everything into account, RELY scores 5 out of 10 in our fundamental rating. RELY was compared to 97 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.


Dividend Valuation Growth Profitability Health

2

1. Profitability

1.1 Basic Checks

  • In the past year RELY was profitable.
  • 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.
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

  • RELY's Return On Assets of 1.73% is in line compared to the rest of the industry. RELY outperforms 54.64% of its industry peers.
  • The Return On Equity of RELY (2.63%) is worse than 65.98% of its industry peers.
  • RELY has a Return On Invested Capital (3.36%) which is in line with its industry peers.
Industry RankSector 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
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 worse Profit Margin (1.36%) than 70.10% of its industry peers.
  • The Operating Margin of RELY (2.31%) is worse than 70.10% of its industry peers.
  • RELY has a better Gross Margin (65.68%) than 76.29% of its industry peers.
  • RELY's Gross Margin has improved in the last couple of years.
Industry RankSector 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%
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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ROAROEROICOperating and Profit MarginShow most profitable peers

8

2. Health

2.1 Basic Checks

  • With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), RELY is destroying value.
  • RELY has more shares outstanding than it did 1 year ago.
  • 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.
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

  • RELY has an Altman-Z score of 5.34. This indicates that RELY is financially healthy and has little risk of bankruptcy at the moment.
  • RELY has a Altman-Z score of 5.34. This is amongst the best in the industry. RELY outperforms 90.72% 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 93.81% 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.
  • RELY has a better Debt to Equity ratio (0.00) than 90.72% of its industry peers.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z 5.34
ROIC/WACC0.38
WACC8.78%
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 2.88. 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 83.51% of its industry peers.
  • A Quick Ratio of 2.88 indicates that RELY has no problem at all paying its short term obligations.
  • Looking at the Quick ratio, with a value of 2.88, RELY belongs to the top of the industry, outperforming 84.54% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 2.88
Quick Ratio 2.88
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 125.71% over the past year.
  • The Revenue has grown by 31.27% in the past year. This is a very strong growth!
  • 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)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
  • RELY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 19.15% yearly.
EPS Next Y173.01%
EPS Next 2Y97.97%
EPS Next 3Y81.44%
EPS Next 5Y89.31%
Revenue Next Year29.14%
Revenue Next 2Y23.74%
Revenue Next 3Y21.98%
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.
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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Find the best growth stocksShow best growing peers

3

4. Valuation

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 142.39, which means the current valuation is very expensive for RELY.
  • Compared to the rest of the industry, the Price/Earnings ratio of RELY indicates a slightly more expensive valuation: RELY is more expensive than 77.32% of the companies listed in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.67, RELY is valued quite expensively.
  • The Price/Forward Earnings ratio is 35.14, which means the current valuation is very expensive for RELY.
  • Based on the Price/Forward Earnings ratio, RELY is valued a bit more expensive than 77.32% of the companies in the same industry.
  • The average S&P500 Price/Forward Earnings ratio is at 27.20. RELY is valued slightly more expensive when compared to this.
Industry RankSector Rank
PE 142.39
Fwd PE 35.14
RELY Price Earnings VS Forward Price EarningsRELY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 50 100

4.2 Price Multiples

  • RELY's Enterprise Value to EBITDA is on the same level as the industry average.
  • Compared to the rest of the industry, the Price/Free Cash Flow ratio of RELY indicates a somewhat cheap valuation: RELY is cheaper than 67.01% of the companies listed in the same industry.
Industry RankSector Rank
P/FCF 13.85
EV/EBITDA 29.18
RELY Per share dataRELY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 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 81.44% in the coming years.
PEG (NY)0.82
PEG (5Y)N/A
EPS Next 2Y97.97%
EPS Next 3Y81.44%

More info and screens

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. Dividend

5.1 Amount

  • No dividends for RELY!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

REMITLY GLOBAL INC

NASDAQ:RELY (2/6/2026, 1:17:10 PM)

12.815

+0.01 (+0.12%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05
Earnings (Next)02-25
Inst Owners87.13%
Inst Owner Change-0.99%
Ins Owners3.35%
Ins Owner Change3.55%
Market Cap2.68B
Revenue(TTM)1.54B
Net Income(TTM)20.99M
Analysts85.71
Price Target22.17 (73%)
Short Float %5.24%
Short Ratio3.42
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)-1.3%
PT rev (3m)-13.72%
EPS NQ rev (1m)7.14%
EPS NQ rev (3m)7.14%
EPS NY rev (1m)0%
EPS NY rev (3m)11.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.78%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.18%
Valuation
Industry RankSector Rank
PE 142.39
Fwd PE 35.14
P/S 1.73
P/FCF 13.85
P/OCF 11.59
P/B 3.36
P/tB 3.63
EV/EBITDA 29.18
EPS(TTM)0.09
EY0.7%
EPS(NY)0.36
Fwd EY2.85%
FCF(TTM)0.93
FCFY7.22%
OCF(TTM)1.11
OCFY8.63%
SpS7.39
BVpS3.81
TBVpS3.53
PEG (NY)0.82
PEG (5Y)N/A
Graham Number2.78
Profitability
Industry RankSector 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 RankSector 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 5.34
F-Score7
WACC8.78%
ROIC/WACC0.38
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 Y173.01%
EPS Next 2Y97.97%
EPS Next 3Y81.44%
EPS Next 5Y89.31%
Revenue 1Y (TTM)31.27%
Revenue growth 3Y40.21%
Revenue growth 5Y58.44%
Sales Q2Q%24.65%
Revenue Next Year29.14%
Revenue Next 2Y23.74%
Revenue Next 3Y21.98%
Revenue Next 5Y19.15%
EBIT growth 1Y153.82%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year499.91%
EBIT Next 3Y107.19%
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.


What is the valuation status of REMITLY GLOBAL INC (RELY) stock?

ChartMill assigns a valuation rating of 3 / 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 142.39 and the Price/Book (PB) ratio is 3.36.


Can you provide the expected EPS growth for RELY stock?

The Earnings per Share (EPS) of REMITLY GLOBAL INC (RELY) is expected to grow by 173.01% in the next year.