RELY

NEUTRAL

$20.01 Live

Remitly Global, Inc. · NASDAQ

Target $21.56 (+7.7%)

$12.08 52W Range $24.7

RELY Remitly Global, Inc. - Fundamental Analysis

NEUTRAL

Console Chart News

RELY Stock | Fundamental Analysis & Investment Insights

NASDAQ • Technology • Software - Infrastructure

Current Price Live

$20.01

Analyst Target

$21.56

+7.7% Upside

52W High

$24.7

52W Low

$12.08

Overview AI Snowflake Price Valuation Profitability Growth Health Statements Peers Insiders SEC Filings

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 18, 2026

Market cap

$4.22B

P/E

64.55

ROE

8.9%

Profit margin

4.2%

Debt/Equity

0.22

Dividend yield

N/A

AI Analysis

AI-powered fundamental assessment

Confidence

85%

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.

Key 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)

Consistent revenue growth of 25.7% YoY

Strong earnings track record with 3/4 recent quarters beating estimates

Key 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

Bearish technical trend score (0/100) despite recent price spikes

High trailing P/E ratio (64.55) making the stock sensitive to growth misses

AI Fair Value Estimate

Based on comprehensive analysis

$16.5

-17.5% below current price

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall

Moderate

Value

Future

Past

Health

Dividend

AI Verdict

Growth-driven premium with health stability but insider caution

Key drivers: Piotroski F-Score, Forward P/E compression, Insider selling volume, Revenue growth

Confidence

80%

Value

30/100

Ref P/E, PEG, Graham Number

Positives

Low Forward P/E (13.08)

Watchpoints

Price ($20.01) is ~3.7x the Graham Number ($5.36)
Price is ~9x the Intrinsic Value ($2.17)

Future

85/100

Ref Growth rates

Positives

25.7% YoY Revenue growth
733.3% YoY EPS growth
Strong earnings surprise history

Watchpoints

Dependence on maintaining high growth to justify premium

Past

60/100

Ref Historical trends

Positives

Successful pivot from negative to positive EPS

Watchpoints

5-year price change is -58.7%

Health

90/100

Ref Altman Z-Score, Piotroski F-Score

Positives

Piotroski F-Score 7/9
Low Debt/Equity (0.22)
High Current Ratio (3.30)

Watchpoints

Altman Z-Score not provided

Dividend

0/100

Ref Yield, Payout

Positives

No standout positives identified.

Watchpoints

No dividend payments
0/100 Dividend Strength

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price

$20.01

Analyst Target

$21.56

Upside/Downside

+7.7%

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for RELY and closest competitors.

Updated 2026-04-17

Company	5Y	3Y	1Y	6M	1M	1W
RELY Remitly Global, Inc. Primary	-58.7%	+11.2%	+0.4%	+28.4%	+28.9%	+18.7%
ITRI Itron, Inc. Peer	+4.6%	+74.5%	-3.1%	-22.9%	+2.4%	+6.2%
AVT Avnet, Inc. Peer	+47.0%	+23.1%	-3.7%	-3.7%	+3.3%	+0.0%
ACIW ACI Worldwide, Inc. Peer	-1.8%	+69.4%	-22.1%	-20.7%	-1.4%	-6.5%
KLIC Kulicke and Soffa Industries, Inc. Peer	+55.8%	+63.0%	+168.4%	+104.4%	+18.5%	+20.9%

REL

Remitly Global, Inc.

Primary

-58.7%

+11.2%

+0.4%

+28.4%

+28.9%

+18.7%

ITR

Itron, Inc.

Peer

+4.6%

+74.5%

-3.1%

-22.9%

+2.4%

+6.2%

AVT

Avnet, Inc.

Peer

+47.0%

+23.1%

-3.7%

+3.3%

+0.0%

ACI

ACI Worldwide, Inc.

Peer

-1.8%

+69.4%

-22.1%

-20.7%

-1.4%

-6.5%

KLI

Kulicke and Soffa Industries, Inc.

Peer

+55.8%

+63.0%

+168.4%

+104.4%

+18.5%

+20.9%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

64.55

13.08

N/A

4.85

2.58

2.36

42.45

$4.22B

Profitability

Profit margins and return metrics

Profit Margin 4.15%

Operating Margin 8.78%

Gross Margin 60.2%

ROE 8.86%

ROA 3.92%

Growth

Revenue and earnings growth rates

Revenue Growth +25.7%

Earnings Growth N/A

Q/Q Revenue Growth +25.66%

Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity

0.22

Low debt

Current Ratio

3.3

Strong

Quick Ratio

2.13

Excellent

Cash/Share

$2.58

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue

$0.4B

Gross Margin

62.7%

Op. Margin

8.8%

Net Margin

9.3%

Total Assets

$1.5B

Liabilities

$0.6B

Equity

$0.9B

Debt/Equity

0.68x

Operating CF

$0.1B

CapEx

$-0.0B

Free Cash Flow

$0.1B

FCF Yield

94%

Quarterly Earnings History

EPS performance vs analyst estimates

2026-05-06

$N/A

2026-02-18

$0.19

+1180.3% surprise

2025-11-05

$0.18

+2.4% surprise

2025-08-06

$0.19

+2.4% surprise

Technology Sector Comparison

Comparing RELY against 407 companies in the Technology sector (35 bullish, 145 neutral, 227 bearish)

P/E Ratio

64.55

This Stock

93.88

Sector Avg

-31.2% (Discount)

Return on Equity (ROE)

8.86%

This Stock

-34.23%

Sector Avg

-125.9% (Below Avg)

Profit Margin

4.15%

This Stock

-12.19%

Sector Avg

-134.1% (Weaker)

Debt to Equity

0.22

This Stock

0.66

Sector Avg

-66.5% (Less Debt)

Revenue Growth

25.7%

This Stock

6059.24%

Sector Avg

-99.6% (Slower)

Current Ratio

3.3

This Stock

4.06

Sector Avg

-18.8% (Weaker)

Similar Companies

Peer comparison within the same industry

Company	AI Rating	Market Cap	P/E	ROE	Profit Margin	Price
RELY Remitly Global, Inc.	NEUTRAL	$4.22B	64.55	8.9%	4.2%	$20.01
ITRI Itron, Inc.	BULLISH	$4.17B	14.49	19.3%	12.7%	$94.19	Compare
AVT Avnet, Inc.	NEUTRAL	$4.13B	18.97	4.7%	1.0%	$50.83	Compare
ACIW ACI Worldwide, Inc.	BEARISH	$4.1B	18.41	15.4%	12.9%	$39.77	Compare
KLIC Kulicke and Soffa Industries, Inc.	BEARISH	$4.05B	-	-7.2%	-9.4%	$77.46	Compare

RELY Remitly Global, Inc.

NEUTRAL

Mkt Cap

$4.2B

P/E

64.5

ROE

8.9%

Price

$20.01

Compare with RELY

Compare with RELY

ACIW ACI Worldwide, Inc.

Compare with RELY

Compare with RELY

Recent Insider Trading

Insider buy and sell transactions from the last 6 months

Date	Insider	Position	Transaction	Shares	Value
2026-04-15	SOMALYA SAEMA	Officer	Sale	35,976	$650,185
2026-04-15	HUG JOSHUA DAVID	Director	Sale	24,000	$434,695
2026-04-06	CAMPBELL PHYLLIS J	Director	Stock Award	6,585	-
2026-04-06	HUG JOSHUA DAVID	Director	Sale	1,430	$22,866
2026-04-01	SHARMA PANKAJ	Officer	Sale	10,000	$152,600
2026-04-01	SHARMA PANKAJ	Officer	Option Exercise	10,000	$17,000
2026-03-16	BLIGNAUT RYNO	Director	Sale	4,500	$68,670
2026-03-12	NASPERS LTD.	Beneficial Owner of more than 10% of a Class of Security	Sale	12,000,000	$191,760,000
2026-03-11	SINHA ANKUR	Chief Technology Officer	Sale	9,741	$165,013
2026-03-04	SOMALYA SAEMA	Officer	Sale	36,764	$661,752
2026-03-04	HUG JOSHUA DAVID	Director	Sale	29,049	$522,301
2026-03-03	MEHTA VIKAS D	Chief Financial Officer	Sale	25,000	$437,500
2026-03-02	HUG JOSHUA DAVID	Director	Sale	40,777	$682,199
2026-02-25	MORRIS NIGEL W	Director	Stock Award	524	-
2026-02-25	SMYTH MARGARET MARY	Director	Stock Award	714	-

SOMALYA SAEMA

Officer

Sell

2026-04-15

35,976 shares · $650,185

HUG JOSHUA DAVID

Director

Sell

2026-04-15

24,000 shares · $434,695

CAMPBELL PHYLLIS J

Director

Stock Award

2026-04-06

6,585 shares

HUG JOSHUA DAVID

Director

Sell

2026-04-06

1,430 shares · $22,866

SHARMA PANKAJ

Officer

Sell

2026-04-01

10,000 shares · $152,600

SHARMA PANKAJ

Officer

Option Exercise

2026-04-01

10,000 shares · $17,000

BLIGNAUT RYNO

Director

Sell

2026-03-16

4,500 shares · $68,670

NASPERS LTD.

Beneficial Owner of more than 10% of a Class of Security

Sell

2026-03-12

12,000,000 shares · $191,760,000

SINHA ANKUR

Chief Technology Officer

Sell

2026-03-11

9,741 shares · $165,013

SOMALYA SAEMA

Officer

Sell

2026-03-04

36,764 shares · $661,752

HUG JOSHUA DAVID

Director

Sell

2026-03-04

29,049 shares · $522,301

MEHTA VIKAS D

Chief Financial Officer

Sell

2026-03-03

25,000 shares · $437,500

HUG JOSHUA DAVID

Director

Sell

2026-03-02

40,777 shares · $682,199

MORRIS NIGEL W

Director

Stock Award

2026-02-25

524 shares

SMYTH MARGARET MARY

Director

Stock Award

2026-02-25

714 shares

Insider transactions can signal confidence or concerns about company prospects

SEC Filings

Recent regulatory filings from the SEC EDGAR database

8-K

2026-04-10

RELY filed an 8-K on April 10, 2026, likely to report its quarterly financial results.

8-K

2026-03-20

RELY filed an 8-K on March 20, 2026, likely to announce its annual financial results for the preceding fiscal year.

8-K

FORM 8-K

2026-02-18

RELY filed a Form 8-K on February 18, 2026, likely to announce its annual financial results.

10-K

2026-02-18

RELY filed its annual 10-K report on February 18, 2026. Due to the lack of detailed content in the provided excerpts, specific financial highlights and risk factors cannot be determined.

8-K

2026-02-18

RELY likely reported its fourth quarter and full-year financial results.

10-Q

2025-11-05

RELY filed its 10-Q on November 5, 2025. The provided excerpt identifies the presence of Risk Factors under Item 1A, although specific financial highlights and detailed risk disclosures were not included in the available text.

8-K

2025-11-05

Reliance Steel & Aluminum Co. likely reported its third-quarter financial results.

10-Q

2025-08-06

RELY filed its 10-Q on August 6, 2025. While specific financial highlights were not provided in the excerpt, the filing includes a dedicated section for Risk Factors under Item 1A.

8-K

2025-08-06

RELY filed an 8-K, likely to announce its second-quarter 2025 financial results.

8-K

FORM 8-K

2025-06-27

8-K

2025-06-13

10-Q

2025-05-07

8-K

2025-05-07

DEF 14A

2025-04-25

8-K

FORM 8-K

2025-03-06

Data sourced from SEC EDGAR. AI summaries generated automatically.

Wall Street Analysts

Professional analyst ratings and price targets

Consensus

STRONG_BUY

9 analysts

Cantor Fitzgerald

2026-02-23

Maintains

Overweight Overweight

Goldman Sachs

2026-02-19

Maintains

Buy Buy

Citizens

2026-02-19

Maintains

Market Outperform Market Outperform

Cantor Fitzgerald

2026-01-27

init

Overweight

JP Morgan

2026-01-20

Maintains

Overweight Overweight

JP Morgan

2025-11-06

Maintains

Overweight Overweight

Past News Coverage

Recent headlines mentioning RELY from our newsroom.

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RELY

RELY Remitly Global, Inc. - Fundamental Analysis

At a glance

AI Analysis

Key Strengths

Key Risks

Performance Snowflake

Stock Price & Analyst Targets

Multi-Horizon Performance vs Peers

Historical Performance Trends

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Valuation Metrics

Profitability

Growth

Financial Health

Financial Statement Flow

Quarterly Earnings History

Technology Sector Comparison

Similar Companies

Recent Insider Trading

SEC Filings

Wall Street Analysts

Past News Coverage

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