REMITLY GLOBAL INC (RELY) Stock Fundamental Analysis

NASDAQ:RELY • US75960P1049

12.76 USD
-0.03 (-0.23%)
At close: Feb 13, 2026
12.82 USD
+0.06 (+0.47%)
After Hours: 2/13/2026, 8:00:01 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

Taking everything into account, RELY scores 5 out of 10 in our fundamental rating. RELY was compared to 96 industry peers in the Financial Services industry. RELY has a great financial health rating, but its profitability evaluates not so good. RELY shows excellent growth, but is valued quite expensive already.


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 55.21% of its industry peers.
  • RELY's Return On Equity of 2.63% is on the low side compared to the rest of the industry. RELY is outperformed by 65.63% of its industry peers.
  • RELY's Return On Invested Capital of 3.36% is in line compared to the rest of the industry. RELY outperforms 55.21% of 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

  • The Profit Margin of RELY (1.36%) is worse than 69.79% of its industry peers.
  • Looking at the Operating Margin, with a value of 2.31%, RELY is doing worse than 69.79% of the companies in the same industry.
  • With a decent Gross Margin value of 65.68%, RELY is doing good in the industry, outperforming 77.08% of the companies in the same industry.
  • 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.
  • RELY has a better debt/assets ratio than last year.
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 5.34 indicates that RELY is not in any danger for bankruptcy at the moment.
  • RELY's Altman-Z score of 5.34 is amongst the best of the industry. RELY outperforms 90.63% 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.
  • The Debt to FCF ratio of RELY (0.01) is better than 93.75% 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 90.63% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z 5.34
ROIC/WACC0.39
WACC8.54%
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

  • A Current Ratio of 2.88 indicates that RELY has no problem at all paying its short term obligations.
  • RELY has a better Current ratio (2.88) than 83.33% of its industry peers.
  • RELY has a Quick Ratio of 2.88. This indicates that RELY is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 2.88, RELY belongs to the top of the industry, outperforming 84.38% 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

  • 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.
  • RELY shows a strong growth in Revenue. In the last year, 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

  • 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.
  • 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 Y173.82%
EPS Next 2Y97.97%
EPS Next 3Y73.36%
EPS Next 5Y89.31%
Revenue Next Year29.14%
Revenue Next 2Y23.74%
Revenue Next 3Y21.98%
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 2029 2030 2031 2032 2033 1B 2B 3B 4B
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 141.78, which means the current valuation is very expensive for RELY.
  • RELY's Price/Earnings ratio is a bit more expensive when compared to the industry. RELY is more expensive than 77.08% of the companies in the same industry.
  • RELY's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 27.97.
  • RELY is valuated quite expensively with a Price/Forward Earnings ratio of 34.99.
  • 77.08% of the companies in the same industry are cheaper than RELY, based on the Price/Forward Earnings ratio.
  • RELY is valuated rather expensively when we compare the Price/Forward Earnings ratio to 27.96, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 141.78
Fwd PE 34.99
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

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RELY is on the same level as its industry peers.
  • RELY's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. RELY is cheaper than 64.58% of the companies in the same industry.
Industry RankSector Rank
P/FCF 13.79
EV/EBITDA 29.15
RELY Per share dataRELY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6

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.
  • A more expensive valuation may be justified as RELY's earnings are expected to grow with 73.36% in the coming years.
PEG (NY)0.82
PEG (5Y)N/A
EPS Next 2Y97.97%
EPS Next 3Y73.36%

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%

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Find the best dividend stocksShow peers with best dividend

REMITLY GLOBAL INC

NASDAQ:RELY (2/13/2026, 8:00:01 PM)

After market: 12.82 +0.06 (+0.47%)

12.76

-0.03 (-0.23%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-05
Earnings (Next)02-18
Inst Owners87.13%
Inst Owner Change-0.8%
Ins Owners3.35%
Ins Owner Change3.84%
Market Cap2.67B
Revenue(TTM)1.54B
Net Income(TTM)20.99M
Analysts85.71
Price Target21.95 (72.02%)
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)-2.26%
PT rev (3m)-14.56%
EPS NQ rev (1m)7.14%
EPS NQ rev (3m)7.14%
EPS NY rev (1m)1.1%
EPS NY rev (3m)12.7%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.18%
Valuation
Industry RankSector Rank
PE 141.78
Fwd PE 34.99
P/S 1.73
P/FCF 13.79
P/OCF 11.54
P/B 3.35
P/tB 3.61
EV/EBITDA 29.15
EPS(TTM)0.09
EY0.71%
EPS(NY)0.36
Fwd EY2.86%
FCF(TTM)0.93
FCFY7.25%
OCF(TTM)1.11
OCFY8.66%
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
WACC8.54%
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 Y173.82%
EPS Next 2Y97.97%
EPS Next 3Y73.36%
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 141.78 and the Price/Book (PB) ratio is 3.35.


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 173.82% in the next year.