REMITLY GLOBAL INC (RELY) Fundamental Analysis & Valuation

NASDAQ:RELY • US75960P1049

Current stock price

17.1 USD
+0.43 (+2.58%)
At close:
17.15 USD
+0.05 (+0.29%)
After Hours:

This RELY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

3

1. RELY Profitability Analysis

1.1 Basic Checks

  • RELY had positive earnings in the past year.
  • In the past year RELY had a positive cash flow from operations.
  • In the past 5 years RELY reported 4 times negative net income.
  • The reported operating cash flow has been mixed in the past 5 years: RELY reported negative operating cash flow in multiple 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 2025 0 100M -100M 200M 300M

1.2 Ratios

  • With a decent Return On Assets value of 4.66%, RELY is doing good in the industry, outperforming 76.00% of the companies in the same industry.
  • Looking at the Return On Equity, with a value of 7.82%, RELY is in line with its industry, outperforming 52.00% of the companies in the same industry.
  • RELY has a better Return On Invested Capital (5.82%) than 70.00% of its industry peers.
Industry RankSector Rank
ROA 4.66%
ROE 7.82%
ROIC 5.82%
ROA(3y)-3.45%
ROA(5y)-6.59%
ROE(3y)-6.67%
ROE(5y)-10.36%
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 2025 0 -20 -40

1.3 Margins

  • With a Profit Margin value of 4.15%, RELY is not doing good in the industry: 61.00% of the companies in the same industry are doing better.
  • With a Operating Margin value of 4.79%, RELY is not doing good in the industry: 63.00% of the companies in the same industry are doing better.
  • RELY's Gross Margin of 66.40% is fine compared to the rest of the industry. RELY outperforms 78.00% of its industry peers.
  • RELY's Gross Margin has improved in the last couple of years.
Industry RankSector Rank
OM 4.79%
PM (TTM) 4.15%
GM 66.4%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y3.21%
GM growth 5Y3.1%
RELY Yearly Profit, Operating, Gross MarginsRELY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 20 -20 40 -40 60

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ROAROEROICOperating and Profit MarginShow most profitable peers

8

2. RELY Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is below the Cost of Capital (WACC), so RELY 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.
  • The debt/assets ratio for RELY is higher compared to a year ago.
RELY Yearly Shares OutstandingRELY Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 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 2025 500M 1B

2.2 Solvency

  • RELY has an Altman-Z score of 5.18. This indicates that RELY is financially healthy and has little risk of bankruptcy at the moment.
  • RELY's Altman-Z score of 5.18 is amongst the best of the industry. RELY outperforms 90.00% of its industry peers.
  • The Debt to FCF ratio of RELY is 0.56, which is an excellent value as it means it would take RELY, only 0.56 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of RELY (0.56) is better than 87.00% of its industry peers.
  • A Debt/Equity ratio of 0.18 indicates that RELY is not too dependend on debt financing.
  • RELY has a better Debt to Equity ratio (0.18) than 64.00% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 0.56
Altman-Z 5.18
ROIC/WACC0.66
WACC8.85%
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 2025 0 200M 400M 600M 800M

2.3 Liquidity

  • A Current Ratio of 3.30 indicates that RELY has no problem at all paying its short term obligations.
  • The Current ratio of RELY (3.30) is better than 85.00% of its industry peers.
  • A Quick Ratio of 3.30 indicates that RELY has no problem at all paying its short term obligations.
  • RELY has a better Quick ratio (3.30) than 85.00% of its industry peers.
Industry RankSector Rank
Current Ratio 3.3
Quick Ratio 3.3
RELY Yearly Current Assets VS Current LiabilitesRELY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 200M 400M 600M 800M 1B

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

7

3. RELY Growth Analysis

3.1 Past

  • RELY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 263.16%, which is quite impressive.
  • RELY shows a strong growth in Revenue. In the last year, the Revenue has grown by 29.37%.
  • The Revenue has been growing by 44.79% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)263.16%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%733.33%
Revenue 1Y (TTM)29.37%
Revenue growth 3Y35.75%
Revenue growth 5Y44.79%
Sales Q2Q%25.66%

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 62.33% 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 17.31% on average per year.
EPS Next Y68.28%
EPS Next 2Y56.64%
EPS Next 3Y62.33%
EPS Next 5YN/A
Revenue Next Year20.57%
Revenue Next 2Y19.87%
Revenue Next 3Y19.21%
Revenue Next 5Y17.31%

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 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

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3

4. RELY Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 55.16, the valuation of RELY can be described as expensive.
  • Compared to the rest of the industry, the Price/Earnings ratio of RELY indicates a slightly more expensive valuation: RELY is more expensive than 71.00% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of RELY to the average of the S&P500 Index (26.91), we can say RELY is valued expensively.
  • A Price/Forward Earnings ratio of 32.78 indicates a quite expensive valuation of RELY.
  • 69.00% 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 23.68, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 55.16
Fwd PE 32.78
RELY Price Earnings VS Forward Price EarningsRELY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 10 20 30 40 50

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.
  • Based on the Price/Free Cash Flow ratio, RELY is valued a bit cheaper than the industry average as 70.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 12.72
EV/EBITDA 24.99
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.
  • RELY's earnings are expected to grow with 62.33% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.81
PEG (5Y)N/A
EPS Next 2Y56.64%
EPS Next 3Y62.33%

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

0

5. RELY Dividend Analysis

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

RELY Fundamentals: All Metrics, Ratios and Statistics

REMITLY GLOBAL INC

NASDAQ:RELY (4/9/2026, 8:00:02 PM)

After market: 17.15 +0.05 (+0.29%)

17.1

+0.43 (+2.58%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-18
Earnings (Next)05-05
Inst Owners83.78%
Inst Owner Change0%
Ins Owners3.72%
Ins Owner Change5.34%
Market Cap3.60B
Revenue(TTM)1.64B
Net Income(TTM)67.93M
Analysts86.25
Price Target22.58 (32.05%)
Short Float %2.79%
Short Ratio1.38
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)540.41%
Min EPS beat(2)63.4%
Max EPS beat(2)1017.42%
EPS beat(4)4
Avg EPS beat(4)557.64%
Min EPS beat(4)63.4%
Max EPS beat(4)1017.42%
EPS beat(8)8
Avg EPS beat(8)309.09%
EPS beat(12)11
Avg EPS beat(12)208.51%
EPS beat(16)12
Avg EPS beat(16)149.62%
Revenue beat(2)1
Avg Revenue beat(2)0.45%
Min Revenue beat(2)-0.57%
Max Revenue beat(2)1.46%
Revenue beat(4)3
Avg Revenue beat(4)1.96%
Min Revenue beat(4)-0.57%
Max Revenue beat(4)4.98%
Revenue beat(8)5
Avg Revenue beat(8)0.87%
Revenue beat(12)7
Avg Revenue beat(12)1.1%
Revenue beat(16)10
Avg Revenue beat(16)1.32%
PT rev (1m)0%
PT rev (3m)0.56%
EPS NQ rev (1m)0.31%
EPS NQ rev (3m)95.83%
EPS NY rev (1m)0%
EPS NY rev (3m)44.06%
Revenue NQ rev (1m)-0.01%
Revenue NQ rev (3m)1.74%
Revenue NY rev (1m)0.05%
Revenue NY rev (3m)1.68%
Valuation
Industry RankSector Rank
PE 55.16
Fwd PE 32.78
P/S 2.2
P/FCF 12.72
P/OCF 11.08
P/B 4.15
P/tB 4.44
EV/EBITDA 24.99
EPS(TTM)0.31
EY1.81%
EPS(NY)0.52
Fwd EY3.05%
FCF(TTM)1.34
FCFY7.86%
OCF(TTM)1.54
OCFY9.02%
SpS7.76
BVpS4.12
TBVpS3.85
PEG (NY)0.81
PEG (5Y)N/A
Graham Number5.36
Profitability
Industry RankSector Rank
ROA 4.66%
ROE 7.82%
ROCE 7.39%
ROIC 5.82%
ROICexc 11.89%
ROICexgc 13.35%
OM 4.79%
PM (TTM) 4.15%
GM 66.4%
FCFM 17.32%
ROA(3y)-3.45%
ROA(5y)-6.59%
ROE(3y)-6.67%
ROE(5y)-10.36%
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 3Y3.21%
GM growth 5Y3.1%
F-Score7
Asset Turnover1.12
Health
Industry RankSector Rank
Debt/Equity 0.18
Debt/FCF 0.56
Debt/EBITDA 1.26
Cap/Depr 89.43%
Cap/Sales 2.56%
Interest Coverage 14.29
Cash Conversion 260.02%
Profit Quality 416.97%
Current Ratio 3.3
Quick Ratio 3.3
Altman-Z 5.18
F-Score7
WACC8.85%
ROIC/WACC0.66
Cap/Depr(3y)85.63%
Cap/Depr(5y)89.61%
Cap/Sales(3y)1.64%
Cap/Sales(5y)1.4%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)263.16%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%733.33%
EPS Next Y68.28%
EPS Next 2Y56.64%
EPS Next 3Y62.33%
EPS Next 5YN/A
Revenue 1Y (TTM)29.37%
Revenue growth 3Y35.75%
Revenue growth 5Y44.79%
Sales Q2Q%25.66%
Revenue Next Year20.57%
Revenue Next 2Y19.87%
Revenue Next 3Y19.21%
Revenue Next 5Y17.31%
EBIT growth 1Y300.23%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year765.44%
EBIT Next 3Y142.99%
EBIT Next 5YN/A
FCF growth 1Y60.23%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y67.15%
OCF growth 3YN/A
OCF growth 5YN/A

REMITLY GLOBAL INC / RELY Fundamental Analysis 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 for RELY stock?

ChartMill assigns a valuation rating of 3 / 10 to REMITLY GLOBAL INC (RELY). This can be considered as Overvalued.


How profitable is REMITLY GLOBAL INC (RELY) stock?

REMITLY GLOBAL INC (RELY) has a profitability rating of 3 / 10.


What are the PE and PB ratios of REMITLY GLOBAL INC (RELY) stock?

The Price/Earnings (PE) ratio for REMITLY GLOBAL INC (RELY) is 55.16 and the Price/Book (PB) ratio is 4.15.