REMITLY GLOBAL INC (RELY) Fundamental Analysis & Valuation
NASDAQ:RELY • US75960P1049
16.92 USD
-0.12 (-0.7%)
At close: Mar 9, 2026
16.71 USD
-0.21 (-1.24%)
After Hours: 3/9/2026, 8:00:02 PM
This RELY fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.
Taking everything into account, RELY scores 5 out of 10 in our fundamental rating. RELY was compared to 98 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 shows excellent growth, but is valued quite expensive already.
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.
- RELY had negative earnings in 4 of the past 5 years.
- In multiple years RELY reported negative operating cash flow during the last 5 years.
1.2 Ratios
- With a decent Return On Assets value of 4.66%, RELY is doing good in the industry, outperforming 74.49% of the companies in the same industry.
- With a Return On Equity value of 7.82%, RELY perfoms like the industry average, outperforming 45.92% of the companies in the same industry.
- With a decent Return On Invested Capital value of 5.82%, RELY is doing good in the industry, outperforming 68.37% of the companies in the same industry.
| Industry Rank | Sector 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
1.3 Margins
- RELY has a Profit Margin of 4.15%. This is in the lower half of the industry: RELY underperforms 62.24% of its industry peers.
- Looking at the Operating Margin, with a value of 4.79%, RELY is doing worse than 63.27% of the companies in the same industry.
- With a decent Gross Margin value of 66.40%, RELY is doing good in the industry, outperforming 77.55% of the companies in the same industry.
- In the last couple of years the Gross Margin of RELY has grown nicely.
| Industry Rank | Sector 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%
2. RELY Health Analysis
2.1 Basic Checks
- With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), RELY is destroying value.
- The number of shares outstanding for RELY has been increased compared to 1 year ago.
- RELY has more shares outstanding than it did 5 years ago.
- The debt/assets ratio for RELY is higher compared to a year ago.
2.2 Solvency
- RELY has an Altman-Z score of 5.26. This indicates that RELY is financially healthy and has little risk of bankruptcy at the moment.
- RELY's Altman-Z score of 5.26 is amongst the best of the industry. RELY outperforms 89.80% of its industry peers.
- RELY has a debt to FCF ratio of 0.56. This is a very positive value and a sign of high solvency as it would only need 0.56 years to pay back of all of its debts.
- The Debt to FCF ratio of RELY (0.56) is better than 83.67% of its industry peers.
- RELY has a Debt/Equity ratio of 0.18. This is a healthy value indicating a solid balance between debt and equity.
- RELY's Debt to Equity ratio of 0.18 is fine compared to the rest of the industry. RELY outperforms 62.24% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.18 | ||
| Debt/FCF | 0.56 | ||
| Altman-Z | 5.26 |
ROIC/WACC0.67
WACC8.72%
2.3 Liquidity
- A Current Ratio of 3.30 indicates that RELY has no problem at all paying its short term obligations.
- Looking at the Current ratio, with a value of 3.30, RELY belongs to the top of the industry, outperforming 82.65% of the companies in the same industry.
- RELY has a Quick Ratio of 3.30. This indicates that RELY is financially healthy and has no problem in meeting its short term obligations.
- RELY has a Quick ratio of 3.30. This is amongst the best in the industry. RELY outperforms 82.65% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.3 | ||
| Quick Ratio | 3.3 |
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.
- The Revenue has grown by 29.37% 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 44.79% yearly.
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
- RELY is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 62.33% yearly.
- RELY is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 17.31% yearly.
EPS Next Y68.28%
EPS Next 2Y56.64%
EPS Next 3Y62.33%
EPS Next 5YN/A
Revenue Next Year20.51%
Revenue Next 2Y19.79%
Revenue Next 3Y18.95%
Revenue Next 5Y17.31%
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.
4. RELY Valuation Analysis
4.1 Price/Earnings Ratio
- With a Price/Earnings ratio of 54.58, RELY can be considered very expensive at the moment.
- 73.47% of the companies in the same industry are cheaper than RELY, based on the Price/Earnings ratio.
- RELY's Price/Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 26.46.
- Based on the Price/Forward Earnings ratio of 32.44, the valuation of RELY can be described as expensive.
- Based on the Price/Forward Earnings ratio, RELY is valued a bit more expensive than the industry average as 71.43% of the companies are valued more cheaply.
- RELY is valuated rather expensively when we compare the Price/Forward Earnings ratio to 24.65, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 54.58 | ||
| Fwd PE | 32.44 |
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 71.43% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.58 | ||
| EV/EBITDA | 25.61 |
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.
- RELY's earnings are expected to grow with 62.33% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.8
PEG (5Y)N/A
EPS Next 2Y56.64%
EPS Next 3Y62.33%
5. RELY Dividend Analysis
5.1 Amount
- No dividends for RELY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
RELY Fundamentals: All Metrics, Ratios and Statistics
16.92
-0.12 (-0.7%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-18 2026-02-18/amc
Earnings (Next)05-05 2026-05-05/amc
Inst Owners83.78%
Inst Owner Change-4.91%
Ins Owners3.72%
Ins Owner Change7.66%
Market Cap3.56B
Revenue(TTM)1.64B
Net Income(TTM)67.93M
Analysts86.25
Price Target22.58 (33.45%)
Short Float %3.84%
Short Ratio2.04
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)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)2.88%
PT rev (3m)1.88%
EPS NQ rev (1m)95.23%
EPS NQ rev (3m)84.97%
EPS NY rev (1m)43.06%
EPS NY rev (3m)52.67%
Revenue NQ rev (1m)1.75%
Revenue NQ rev (3m)1.58%
Revenue NY rev (1m)1.63%
Revenue NY rev (3m)1.79%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 54.58 | ||
| Fwd PE | 32.44 | ||
| P/S | 2.18 | ||
| P/FCF | 12.58 | ||
| P/OCF | 10.96 | ||
| P/B | 4.1 | ||
| P/tB | 4.39 | ||
| EV/EBITDA | 25.61 |
EPS(TTM)0.31
EY1.83%
EPS(NY)0.52
Fwd EY3.08%
FCF(TTM)1.34
FCFY7.95%
OCF(TTM)1.54
OCFY9.12%
SpS7.76
BVpS4.12
TBVpS3.85
PEG (NY)0.8
PEG (5Y)N/A
Graham Number5.36
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 5.26 |
F-Score7
WACC8.72%
ROIC/WACC0.67
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 Year20.51%
Revenue Next 2Y19.79%
Revenue Next 3Y18.95%
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 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 3 / 10.
Can you provide the PE and PB ratios for RELY stock?
The Price/Earnings (PE) ratio for REMITLY GLOBAL INC (RELY) is 54.58 and the Price/Book (PB) ratio is 4.1.
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 68.28% in the next year.