No connection

Search Results

MSFT vs RELY

MSFT
Microsoft Corporation
BULLISH
Price
$374.33
Market Cap
$2.78T
Sector
Technology
AI Confidence
85%
RELY
Remitly Global, Inc.
NEUTRAL
Price
$20.01
Market Cap
$4.22B
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
MSFT
23.42
RELY
64.55
Forward P/E
MSFT
19.86
RELY
13.08
P/B Ratio
MSFT
7.11
RELY
4.85
P/S Ratio
MSFT
9.11
RELY
2.58
EV/EBITDA
MSFT
16.05
RELY
42.45

Profitability

Gross Margin
MSFT
68.59%
RELY
60.2%
Operating Margin
MSFT
47.09%
RELY
8.78%
Profit Margin
MSFT
39.04%
RELY
4.15%
ROE
MSFT
34.39%
RELY
8.86%
ROA
MSFT
14.86%
RELY
3.92%

Growth

Revenue Growth
MSFT
16.7%
RELY
25.7%
Earnings Growth
MSFT
59.8%
RELY
--

Financial Health

Debt/Equity
MSFT
0.32
RELY
0.22
Current Ratio
MSFT
1.39
RELY
3.3
Quick Ratio
MSFT
1.24
RELY
2.13

Dividends

Dividend Yield
MSFT
0.97%
RELY
--
Payout Ratio
MSFT
21.28%
RELY
0.0%

AI Verdict

MSFT BULLISH

Microsoft exhibits strong fundamental health with a Piotroski F-Score of 7/9, indicating robust financial stability. While the stock is currently experiencing a severe technical downtrend (0/100) and significant 6-month price depreciation (-28.6%), the current price of $374.33 sits well below the growth-based intrinsic value of $471.41 and the analyst target of $587.31. Exceptional earnings growth (59.8% YoY) and high operating margins (47.09%) suggest that the current price correction presents a value opportunity despite bearish insider sentiment.

Strengths
Strong financial health evidenced by a Piotroski F-Score of 7/9
Exceptional profitability with a 39.04% profit margin and 47.09% operating margin
Robust earnings growth (59.8% YoY) and consistent history of beating estimates
Risks
Severe short-term technical bearishness (0/100 trend score)
Bearish insider activity with $32.64M in net sales over the last 6 months
High Price-to-Book ratio (7.11) indicating a premium over book value
RELY NEUTRAL

RELY exhibits strong fundamental health with a Piotroski F-Score of 7/9 and a robust liquidity profile (Current Ratio 3.30). While the company is successfully transitioning to profitability with explosive YoY EPS growth and consistent earnings beats, it trades at a significant premium to its Graham Number ($5.36) and Intrinsic Value ($2.17). This valuation gap is partially mitigated by a low Forward P/E of 13.08, suggesting high expected earnings growth. However, aggressive insider selling totaling $195.56M creates a significant headwind that offsets the bullish analyst consensus.

Strengths
Strong Piotroski F-Score (7/9) indicating improving financial health
Very low leverage with a Debt/Equity ratio of 0.22
Excellent short-term liquidity (Current Ratio 3.30, Quick Ratio 2.13)
Risks
Extreme valuation premium over Graham and Intrinsic value baselines
Heavy insider liquidation ($195.56M sold in last 6 months)
Low net profit margins (4.16%) leaving little room for operational error

Compare Another Pair

MSFT vs RELY: Head-to-Head Comparison

This page compares Microsoft Corporation (MSFT) and Remitly Global, Inc. (RELY) across key fundamental metrics including valuation ratios, profitability margins, growth rates, financial health indicators, and dividend metrics. Each metric highlights the better-performing stock so you can quickly identify relative strengths and weaknesses.

Our AI engine independently analyzes each company's financials, competitive position, and market conditions to produce a verdict (Bullish, Neutral, or Bearish) along with key strengths and risks. Use this comparison alongside your own research to make informed investment decisions.

Home
Terminal
AI
Markets
Profile