12.49 USD
+0.09 (+0.73%)
12.75 USD
+0.26 (+2.08%)
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. Profitability
1.1 Basic Checks
RELY had positive earnings in the past year.
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.
1.2 Ratios
RELY's Return On Assets of 1.73% is in line compared to the rest of the industry. RELY outperforms 53.06% of its industry peers.
The Return On Equity of RELY (2.63%) is worse than 68.37% 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 53.06% 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
RELY has a worse Profit Margin (1.36%) than 70.41% of its industry peers.
Looking at the Operating Margin, with a value of 2.31%, RELY is doing worse than 71.43% of the companies in the same industry.
With a decent Gross Margin value of 65.68%, RELY is doing good in the industry, outperforming 77.55% of the companies in the same industry.
RELY's Gross Margin has improved in the last couple of years.
| 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
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
Compared to 5 years ago, RELY has more shares outstanding
The debt/assets ratio for RELY has been reduced compared to a year ago.
2.2 Solvency
An Altman-Z score of 5.20 indicates that RELY is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 5.20, RELY belongs to the best of the industry, outperforming 88.78% of the companies in the same industry.
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.
With an excellent Debt to FCF ratio value of 0.01, RELY belongs to the best of the industry, outperforming 93.88% of the companies in the same industry.
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 90.82% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0.01 | ||
| Altman-Z | 5.2 |
ROIC/WACC0.39
WACC8.55%
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 81.63% of its industry peers.
A Quick Ratio of 2.88 indicates that RELY has no problem at all paying its short term obligations.
The Quick ratio of RELY (2.88) is better than 82.65% of its industry peers.
| 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.
The Revenue has grown by 31.27% in the past year. This is a very strong growth!
Measured over the past years, RELY shows a very strong growth in Revenue. The Revenue has been growing by 58.44% on average per year.
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
The Earnings Per Share is expected to grow by 89.31% on average over the next years. This is a very strong growth
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 Y165.49%
EPS Next 2Y91.98%
EPS Next 3Y63.39%
EPS Next 5Y89.31%
Revenue Next Year28.91%
Revenue Next 2Y24.34%
Revenue Next 3Y22.12%
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.
4. Valuation
4.1 Price/Earnings Ratio
With a Price/Earnings ratio of 138.78, RELY can be considered very expensive at the moment.
Based on the Price/Earnings ratio, RELY is valued a bit more expensive than the industry average as 79.59% of the companies are valued more cheaply.
The average S&P500 Price/Earnings ratio is at 25.47. RELY is valued rather expensively when compared to this.
With a Price/Forward Earnings ratio of 39.00, 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 72.45% of the companies are valued more cheaply.
RELY is valuated at similar levels of the S&P average when we compare the Price/Forward Earnings ratio to 34.42, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 138.78 | ||
| Fwd PE | 39 |
4.2 Price Multiples
RELY's Enterprise Value to EBITDA ratio is in line with 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 65.31% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.31 | ||
| EV/EBITDA | 27.68 |
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 63.39% in the coming years.
PEG (NY)0.84
PEG (5Y)N/A
EPS Next 2Y91.98%
EPS Next 3Y63.39%
5. Dividend
5.1 Amount
No dividends for RELY!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
12.49
+0.09 (+0.73%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners88.17%
Inst Owner Change0.27%
Ins Owners3.22%
Ins Owner Change3.33%
Market Cap2.58B
Revenue(TTM)1.54B
Net Income(TTM)20.99M
Analysts85.71
Price Target22.17 (77.5%)
Short Float %6.58%
Short Ratio3.18
Dividend
| Industry Rank | Sector 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)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)-19.07%
PT rev (3m)-25.13%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)1.67%
Revenue NQ rev (1m)-0.78%
Revenue NQ rev (3m)-1.31%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.18%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 138.78 | ||
| Fwd PE | 39 | ||
| P/S | 1.67 | ||
| P/FCF | 13.31 | ||
| P/OCF | 11.14 | ||
| P/B | 3.23 | ||
| P/tB | 3.49 | ||
| EV/EBITDA | 27.68 |
EPS(TTM)0.09
EY0.72%
EPS(NY)0.32
Fwd EY2.56%
FCF(TTM)0.94
FCFY7.51%
OCF(TTM)1.12
OCFY8.97%
SpS7.49
BVpS3.87
TBVpS3.58
PEG (NY)0.84
PEG (5Y)N/A
Graham Number2.8
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 | 5.2 |
F-Score7
WACC8.55%
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 Y165.49%
EPS Next 2Y91.98%
EPS Next 3Y63.39%
EPS Next 5Y89.31%
Revenue 1Y (TTM)31.27%
Revenue growth 3Y40.21%
Revenue growth 5Y58.44%
Sales Q2Q%24.65%
Revenue Next Year28.91%
Revenue Next 2Y24.34%
Revenue Next 3Y22.12%
Revenue Next 5Y19.15%
EBIT growth 1Y153.82%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year490.28%
EBIT Next 3Y106.91%
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 138.78 and the Price/Book (PB) ratio is 3.23.