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RELY vs SAIC

RELY
Remitly Global, Inc.
NEUTRAL
Price
$20.01
Market Cap
$4.22B
Sector
Technology
AI Confidence
85%
SAIC
Science Applications International Corporation
NEUTRAL
Price
$95.38
Market Cap
$4.3B
Sector
Technology
AI Confidence
85%

Valuation

P/E Ratio
RELY
64.55
SAIC
12.39
Forward P/E
RELY
13.08
SAIC
8.83
P/B Ratio
RELY
4.85
SAIC
2.8
P/S Ratio
RELY
2.58
SAIC
0.59
EV/EBITDA
RELY
42.45
SAIC
9.7

Profitability

Gross Margin
RELY
60.2%
SAIC
12.1%
Operating Margin
RELY
8.78%
SAIC
9.09%
Profit Margin
RELY
4.15%
SAIC
4.93%
ROE
RELY
8.86%
SAIC
23.27%
ROA
RELY
3.92%
SAIC
6.34%

Growth

Revenue Growth
RELY
25.7%
SAIC
-4.8%
Earnings Growth
RELY
--
SAIC
-6.2%

Financial Health

Debt/Equity
RELY
0.22
SAIC
1.8
Current Ratio
RELY
3.3
SAIC
1.2
Quick Ratio
RELY
2.13
SAIC
1.05

Dividends

Dividend Yield
RELY
--
SAIC
1.55%
Payout Ratio
RELY
0.0%
SAIC
19.22%

AI Verdict

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
SAIC NEUTRAL

SAIC presents a conflicted profile with a Piotroski F-Score of 4/9, indicating stable but non-improving financial health. The stock is currently trading at a significant premium to both its Graham Number ($76.85) and Intrinsic Value ($53.90), suggesting it is overvalued based on deterministic models. While the company maintains a strong ROE of 23.27% and a consistent track record of beating earnings estimates, this is offset by negative YoY revenue (-4.80%) and earnings growth (-6.20%). The bearish technical trend and high debt-to-equity ratio further temper the outlook.

Strengths
Strong Return on Equity (ROE) of 23.27%
Consistent history of earnings beats (3/4 last 4 quarters)
Low dividend payout ratio (19.22%) indicating high dividend safety
Risks
Negative YoY revenue growth (-4.80%) and earnings growth (-6.20%)
High Debt/Equity ratio (1.80) compared to peer benchmarks
Current price ($95.38) is well above the Graham Number and Intrinsic Value

Compare Another Pair

RELY vs SAIC: Head-to-Head Comparison

This page compares Remitly Global, Inc. (RELY) and Science Applications International Corporation (SAIC) 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.

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