RELY
Remitly Global Inc
$25.17
▼ 1.1%Updated Today 11:10 AM ET
RELY at a glance — five pillars scored 0–100 from real filed financials.
Overall: Unrated · 0/100. A wider, greener shape means more pillars look healthy. Dividends scores 0 when a company pays none — that is a choice, not a flaw.
Market Cap
$0.00
P/E
—
Forward P/E (est.)
—
ROE
—
Revenue Growth
—
EPS Growth
—
Profit Margin
—
FCF Yield
—
Debt / Equity
—
ROIC
5.0%
Interest Coverage
32.94x
Current Ratio
3.18x
Dividend Yield
—
Implied Growth (rev. DCF)
—
Rating Score
0/100
Remitly Global Inc (RELY) is a small-cap company in the Financial Services industry, part of the Financials sector of the S&P 500.
In its latest reported year it generated about $1.64B in revenue and $67.93M in net profit.
Our model rates RELY Unrated (0/100) on growth, profitability, financial health, and valuation. The summary below is built from its filed financials and current ratios and refreshes automatically.
Evidence of durable competitive advantage in the filed financials (7 years of history).
The numbers don't show a durable competitive advantage — margins, growth, or returns on capital have been unstable or thin. Great returns are still possible; they just aren't protected.
-3.5% average over the last 3 years
±13.1 pts around -12.7% across 7 years
grew in 6 of the last 6 year-over-year periods
positive in 4 of 7 years
5.0% latest fiscal year
A moat can't be proven by numbers alone — this scores the evidence a durable advantage leaves behind (pricing power, consistency, returns on capital), computed the same way for every stock. Pair it with the business overview before concluding anything.
4Y CAGR
37.4%
Revenue moved from $126.57M in 2019 to $1.64B in 2025, a 53.2% compound annual growth rate. The most recent year was roughly steady year over year. Slower, mature growth is common for established businesses.
Gross Margin
—
Operating Margin
4.7%
Net Margin
4.2%
ROE
—
Total Debt
—
Net Debt
—
Net Debt / EBITDA
—
Debt / Equity
—
Leverage: debt-to-equity is n/a, and operating profit covers interest about 32.9x, with a current ratio of 3.2x. Detailed balance-sheet leverage is limited for this name.
Operating CF
$325.08M
Free Cash Flow
$295.65M
FCF Margin
18.1%
In the latest year Remitly Global Inc produced about $325.08M of operating cash flow and $295.65M of free cash flow after capital spending. Cash flow is what ultimately pays shareholders, so it is worth tracking over time.
P/E
—
P/S
—
P/B
—
EV / EBITDA
—
RELY trades at n/a trailing earnings. With no positive trailing earnings, value it on sales, cash flow, or growth rather than P/E.
A two-stage discounted cash flow on real SEC-filed free cash flow — the intrinsic-value anchor professional analysts triangulate from.
DCF fair value / share
$23.98
Current price
$25.17
Starting FCF (latest 10-K)
$295.65M
Growth, years 1–5
4.0%
Fade to terminal, years 6–10
2.5%
Discount rate
9.0%
Cash flows grow at the stage-1 rate (trailing revenue growth, capped at 20%) for five years, fade to 2.5% by year 10, and continue at that rate forever (Gordon terminal value), all discounted at 9.0%. Small changes in assumptions move the result a lot — treat this as one reference point, not a target price. Educational only, not investment advice.
Where RELY sits versus its Financials sector peers in the S&P 500.
Bands show the middle half (25th–75th percentile) of the 141 Financials companies in the S&P 500 — the peer-relative anchor professional comps analysis uses. Context only — not investment advice.
How RELY stacks up against its Financials peers — valuation, profitability, and growth versus the sector median.
In the Financials sector (289 S&P 500 companies), RELY ranks #246 of 289 by our overall rating.
P/E vs sector
—
median 15.6x
ROE vs sector
—
median 13.6%
Growth vs sector
—
median 15.9%
Sector rank
#246
of 289 by rating
Peers are the closest Financials companies by sub-industry and size. Sector median is across all 289 S&P 500 names in the sector. Educational, not a recommendation.
Project revenue → earnings → price. Edit the assumptions to build your own case.
2030 price target (Base Case)
$0.00 – $0.00
vs. $25.17 today · expected CAGR -26% – -18%
| Metric | 2026 | 2027 | 2028 | 2029 | 2030 |
|---|---|---|---|---|---|
| Revenue | $1.77B | $1.91B | $2.06B | $2.22B | $2.40B |
| Net income | $70.64M | $76.29M | $82.39M | $88.98M | $96.10M |
| EPS | $0.33 | $0.36 | $0.39 | $0.42 | $0.45 |
| Share price (low) | $4.00 | $4.32 | $4.67 | $5.04 | $5.45 |
| Share price (high) | $6.67 | $7.21 | $7.78 | $8.41 | $9.08 |
| CAGR (low–high) | -84% / -73% | -59% / -46% | -43% / -32% | -33% / -24% | -26% / -18% |
Educational model on sample fundamentals — not a forecast or investment advice. Outputs are only as good as your assumptions.
The case for RELY:
- As an established S&P 500 member in Financials, it brings scale and a long operating history.
The case against RELY:
- Like any single stock, it is exposed to competition, the economic cycle, and shifts in its end markets.
Market risk — sector rotation, the economic cycle, and broad sentiment move the stock regardless of fundamentals.
On balance, the picture is mixed: Remitly Global Inc is a small-cap financials business growing at a mature pace, with modest profitability, and a heavier debt load to watch. It trades at n/a earnings, which our model scores Unrated (0/100). Weigh this against your own goals and time horizon — this is educational information, not a recommendation.
Latest SEC Filings
RELY's most recent filings, straight from SEC EDGAR. Annual and quarterly reports are the deep dives; 8-Ks flag material events the moment they happen.
RELY — frequently asked questions
Is RELY a good stock to buy?
We don't give buy or sell advice. Review Remitly Global Inc's fundamentals, valuation, and 5-year financials on this page, then make your own decision — and consider a licensed professional.
Where does RELY's data come from?
Live price data plus real fundamentals and 5-year financials pulled directly from Remitly Global Inc's SEC filings — refreshed automatically, not hand-entered.
How is the 5-year projection for RELY calculated?
It's a scenario model: it grows revenue at an assumed rate, applies a profit margin and a valuation multiple, and shows the resulting share-price range. The assumptions are yours to change — it's a tool for thinking, not a prediction.
Is this RELY analysis financial advice?
No. Everything on this page is educational research, not financial advice or a recommendation to buy or sell RELY. Always do your own research and consider a licensed professional.
Data notice. Fundamentals and financial statements are sourced from company filings (SEC EDGAR) and market-data providers; prices and market caps refresh on trading days and may be delayed. Ratings, projections, technical signals, and written summaries are model- or rule-generated for education and may simplify or lag the latest filings.
Not advice. Nothing on this page is investment advice or a recommendation to buy, hold, or sell any security. Do your own research and consult a licensed financial professional before investing.