14.43 USD
-0.19 (-1.3%)
14.3 USD
-0.13 (-0.9%)
We assign a fundamental rating of 5 out of 10 to RELY. RELY was compared to 99 industry peers in the Financial Services industry. RELY has a great financial health rating, but its profitability evaluates not so good. RELY is valued quite expensive, but it does show an excellent growth.
1. Profitability
1.1 Basic Checks
In the past year RELY was profitable.
RELY had a positive operating cash flow in the past year.
In the past 5 years RELY always reported negative net income.
In the past 5 years RELY reported 4 times negative operating cash flow.
1.2 Ratios
The Return On Assets of RELY (1.73%) is comparable to the rest of the industry.
The Return On Equity of RELY (2.63%) is worse than 65.66% of its industry peers.
Looking at the Return On Invested Capital, with a value of 3.36%, RELY is in line with its industry, outperforming 55.56% of the companies in the same industry.
| 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
Looking at the Profit Margin, with a value of 1.36%, RELY is doing worse than 68.69% of the companies in the same industry.
RELY has a Operating Margin of 2.31%. This is in the lower half of the industry: RELY underperforms 68.69% of its industry peers.
The Gross Margin of RELY (65.68%) is better than 77.78% of its industry peers.
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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), RELY is destroying value.
Compared to 1 year ago, RELY has more shares outstanding
RELY has more shares outstanding than it did 5 years ago.
RELY has a better debt/assets ratio than last year.
2.2 Solvency
RELY has an Altman-Z score of 5.89. This indicates that RELY is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of RELY (5.89) is better than 89.90% of its industry peers.
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 92.93% 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 Debt to Equity ratio of 0.00. This is amongst the best in the industry. RELY outperforms 90.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Altman-Z | 5.89 |
ROIC/WACC0.39
WACC8.68%
2.3 Liquidity
A Current Ratio of 2.88 indicates that RELY has no problem at all paying its short term obligations.
With an excellent Current ratio value of 2.88, RELY belongs to the best of the industry, outperforming 81.82% of the companies in the same industry.
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.
With an excellent Quick ratio value of 2.88, RELY belongs to the best of the industry, outperforming 82.83% of the companies in the same industry.
| 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.
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
RELY is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 89.31% yearly.
The Revenue is expected to grow by 19.15% on average over the next years. This is quite good.
EPS Next Y173.01%
EPS Next 2Y94.9%
EPS Next 3Y69.63%
EPS Next 5Y89.31%
Revenue Next Year29.14%
Revenue Next 2Y23.65%
Revenue Next 3Y21.29%
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
A Price/Earnings ratio of 160.33 indicates a quite expensive valuation of RELY.
RELY's Price/Earnings ratio is a bit more expensive when compared to the industry. RELY is more expensive than 77.78% of the companies in the same industry.
Compared to an average S&P500 Price/Earnings ratio of 26.50, RELY is valued quite expensively.
With a Price/Forward Earnings ratio of 42.23, RELY can be considered very expensive at the moment.
Based on the Price/Forward Earnings ratio, RELY is valued a bit more expensive than the industry average as 71.72% of the companies are valued more cheaply.
When comparing the Price/Forward Earnings ratio of RELY to the average of the S&P500 Index (23.93), we can say RELY is valued expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 160.33 | ||
| Fwd PE | 42.23 |
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 64.65% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.59 | ||
| EV/EBITDA | 34.86 |
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.
RELY's earnings are expected to grow with 69.63% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.93
PEG (5Y)N/A
EPS Next 2Y94.9%
EPS Next 3Y69.63%
5. Dividend
5.1 Amount
RELY does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
14.43
-0.19 (-1.3%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners86.78%
Inst Owner Change0.28%
Ins Owners3.36%
Ins Owner Change3.18%
Market Cap3.02B
Revenue(TTM)1.54B
Net Income(TTM)20.99M
Analysts85.71
Price Target22.17 (53.64%)
Short Float %5.69%
Short Ratio2.7
Dividend
| Industry Rank | Sector 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)-13.72%
PT rev (3m)-23.35%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)11.48%
EPS NY rev (3m)13.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.31%
Revenue NY rev (1m)0.18%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 160.33 | ||
| Fwd PE | 42.23 | ||
| P/S | 1.95 | ||
| P/FCF | 15.59 | ||
| P/OCF | 13.05 | ||
| P/B | 3.78 | ||
| P/tB | 4.09 | ||
| EV/EBITDA | 34.86 |
EPS(TTM)0.09
EY0.62%
EPS(NY)0.34
Fwd EY2.37%
FCF(TTM)0.93
FCFY6.41%
OCF(TTM)1.11
OCFY7.66%
SpS7.39
BVpS3.81
TBVpS3.53
PEG (NY)0.93
PEG (5Y)N/A
Graham Number2.78
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 | 5.89 |
F-Score7
WACC8.68%
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 Y173.01%
EPS Next 2Y94.9%
EPS Next 3Y69.63%
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 2Y23.65%
Revenue Next 3Y21.29%
Revenue Next 5Y19.15%
EBIT growth 1Y153.82%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year500.01%
EBIT Next 3Y104.65%
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 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 160.33 and the Price/Book (PB) ratio is 3.78.