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REMITLY GLOBAL INC (RELY) Stock Fundamental Analysis

NASDAQ:RELY - Nasdaq - US75960P1049 - Common Stock - Currency: USD

19.35  -0.57 (-2.86%)

After market: 19.36 +0.01 (+0.05%)

Fundamental Rating

5

Overall RELY gets a fundamental rating of 5 out of 10. We evaluated RELY against 99 industry peers in the Financial Services industry. While RELY has a great health rating, there are worries on its profitability. RELY is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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2

1. Profitability

1.1 Basic Checks

In the past year RELY has reported negative net income.
In the past year RELY had a positive cash flow from operations.
In the past 5 years RELY always reported negative net income.
In the past 5 years RELY reported 4 times negative operating cash flow.
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

Looking at the Return On Assets, with a value of -0.41%, RELY is doing worse than 79.80% of the companies in the same industry.
RELY has a Return On Equity of -0.63%. This is in the lower half of the industry: RELY underperforms 78.79% of its industry peers.
Industry RankSector Rank
ROA -0.41%
ROE -0.63%
ROIC N/A
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's Gross Margin of 65.86% is amongst the best of the industry. RELY outperforms 80.81% of its industry peers.
RELY's Gross Margin has improved in the last couple of years.
RELY does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
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%
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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8

2. Health

2.1 Basic Checks

RELY does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for RELY has been increased compared to 1 year ago.
Compared to 5 years ago, RELY has more shares outstanding
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 7.70. This indicates that RELY is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 7.70, RELY belongs to the best of the industry, outperforming 90.91% 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 has a better Debt to FCF ratio (0.01) than 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.
With an excellent Debt to Equity ratio value of 0.00, RELY belongs to the best of the industry, outperforming 91.92% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z 7.7
ROIC/WACCN/A
WACC9.11%
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 2.78 indicates that RELY has no problem at all paying its short term obligations.
RELY has a Current ratio of 2.78. This is amongst the best in the industry. RELY outperforms 81.82% of its industry peers.
A Quick Ratio of 2.78 indicates that RELY has no problem at all paying its short term obligations.
RELY has a Quick ratio of 2.78. This is amongst the best in the industry. RELY outperforms 82.83% of its industry peers.
Industry RankSector Rank
Current Ratio 2.78
Quick Ratio 2.78
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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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 95.08% over the past year.
The Revenue has grown by 34.37% 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)95.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%145.45%
Revenue 1Y (TTM)34.37%
Revenue growth 3Y40.21%
Revenue growth 5Y58.44%
Sales Q2Q%34.37%

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
The Revenue is expected to grow by 19.15% on average over the next years. This is quite good.
EPS Next Y148.32%
EPS Next 2Y89.21%
EPS Next 3Y77.55%
EPS Next 5Y89.31%
Revenue Next Year26.25%
Revenue Next 2Y23.3%
Revenue Next 3Y21.13%
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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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for RELY. In the last year negative earnings were reported.
RELY is valuated quite expensively with a Price/Forward Earnings ratio of 64.46.
Based on the Price/Forward Earnings ratio, RELY is valued a bit more expensive than 78.79% of the companies in the same industry.
RELY's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 22.13.
Industry RankSector Rank
PE N/A
Fwd PE 64.46
RELY Price Earnings VS Forward Price EarningsRELY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 -200 -400 -600

4.2 Price Multiples

Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of RELY indicates a slightly more expensive valuation: RELY is more expensive than 72.73% of the companies listed in the same industry.
RELY's Price/Free Cash Flow ratio is a bit cheaper when compared to the industry. RELY is cheaper than 71.72% of the companies in the same industry.
Industry RankSector Rank
P/FCF 11.15
EV/EBITDA 245.13
RELY Per share dataRELY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 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.
RELY's earnings are expected to grow with 77.55% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y89.21%
EPS Next 3Y77.55%

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0

5. Dividend

5.1 Amount

No dividends for RELY!.
Industry RankSector Rank
Dividend Yield N/A

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REMITLY GLOBAL INC

NASDAQ:RELY (6/13/2025, 8:00:02 PM)

After market: 19.36 +0.01 (+0.05%)

19.35

-0.57 (-2.86%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-07 2025-05-07/amc
Earnings (Next)07-21 2025-07-21/amc
Inst Owners82.16%
Inst Owner Change7.8%
Ins Owners5.48%
Ins Owner Change-1.58%
Market Cap3.94B
Analysts82.22
Price Target28.89 (49.3%)
Short Float %4.49%
Short Ratio3.45
Dividend
Industry RankSector 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)190.25%
Min EPS beat(2)66.06%
Max EPS beat(2)314.43%
EPS beat(4)4
Avg EPS beat(4)132.83%
Min EPS beat(4)37.61%
Max EPS beat(4)314.43%
EPS beat(8)7
Avg EPS beat(8)71.64%
EPS beat(12)9
Avg EPS beat(12)40.76%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)1.22%
Min Revenue beat(2)0.48%
Max Revenue beat(2)1.97%
Revenue beat(4)3
Avg Revenue beat(4)1.19%
Min Revenue beat(4)-0.54%
Max Revenue beat(4)2.86%
Revenue beat(8)4
Avg Revenue beat(8)0.72%
Revenue beat(12)8
Avg Revenue beat(12)1.36%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)4.94%
PT rev (3m)-9.73%
EPS NQ rev (1m)49.91%
EPS NQ rev (3m)49.91%
EPS NY rev (1m)215.02%
EPS NY rev (3m)450.06%
Revenue NQ rev (1m)-0.32%
Revenue NQ rev (3m)-0.28%
Revenue NY rev (1m)0.12%
Revenue NY rev (3m)0.44%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 64.46
P/S 2.91
P/FCF 11.15
P/OCF 10.27
P/B 5.45
P/tB 5.98
EV/EBITDA 245.13
EPS(TTM)-0.03
EYN/A
EPS(NY)0.3
Fwd EY1.55%
FCF(TTM)1.74
FCFY8.97%
OCF(TTM)1.88
OCFY9.74%
SpS6.65
BVpS3.55
TBVpS3.24
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -0.41%
ROE -0.63%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 65.86%
FCFM 26.09%
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-Score7
Asset Turnover1.23
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Debt/EBITDA 0.18
Cap/Depr 153.25%
Cap/Sales 2.23%
Interest Coverage N/A
Cash Conversion 2811.74%
Profit Quality N/A
Current Ratio 2.78
Quick Ratio 2.78
Altman-Z 7.7
F-Score7
WACC9.11%
ROIC/WACCN/A
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)95.08%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%145.45%
EPS Next Y148.32%
EPS Next 2Y89.21%
EPS Next 3Y77.55%
EPS Next 5Y89.31%
Revenue 1Y (TTM)34.37%
Revenue growth 3Y40.21%
Revenue growth 5Y58.44%
Sales Q2Q%34.37%
Revenue Next Year26.25%
Revenue Next 2Y23.3%
Revenue Next 3Y21.13%
Revenue Next 5Y19.15%
EBIT growth 1Y94.24%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year454.5%
EBIT Next 3Y101.59%
EBIT Next 5Y81.86%
FCF growth 1Y331.99%
FCF growth 3YN/A
FCF growth 5Y170.09%
OCF growth 1Y365.04%
OCF growth 3YN/A
OCF growth 5Y87.29%