Logo image of RELY

REMITLY GLOBAL INC (RELY) Stock Fundamental Analysis

NASDAQ:RELY - Nasdaq - US75960P1049 - Common Stock - Currency: USD

19.63  +0.28 (+1.45%)

After market: 19.63 0 (0%)

Fundamental Rating

4

Overall RELY gets a fundamental rating of 4 out of 10. We evaluated RELY against 101 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. While showing a medium growth rate, RELY is valued expensive at the moment.


Dividend Valuation Growth Profitability Health

Quickly go to:

2

1. Profitability

1.1 Basic Checks

RELY had negative earnings in the past year.
In the past year RELY had a positive cash flow from operations.
In the past 5 years RELY always reported negative net income.
In the past 5 years RELY reported 4 times negative operating cash flow.
RELY Yearly Net Income VS EBIT VS OCF VS FCFRELY Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 0 100M -100M

1.2 Ratios

RELY has a Return On Assets of -3.65%. This is amonst the worse of the industry: RELY underperforms 86.14% of its industry peers.
Looking at the Return On Equity, with a value of -5.56%, RELY is doing worse than 80.20% of the companies in the same industry.
Industry RankSector Rank
ROA -3.65%
ROE -5.56%
ROIC N/A
ROA(3y)-10.47%
ROA(5y)-9.32%
ROE(3y)-17.19%
ROE(5y)-15.62%
ROIC(3y)N/A
ROIC(5y)N/A
RELY Yearly ROA, ROE, ROICRELY Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 -10 -20 -30 -40 -50

1.3 Margins

The Gross Margin of RELY (65.85%) is better than 80.20% of its industry peers.
RELY's Gross Margin has improved in the last couple of years.
The Profit Margin and Operating Margin are not available for RELY so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 65.85%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y4.19%
GM growth 5Y3.35%
RELY Yearly Profit, Operating, Gross MarginsRELY Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 20 -20 40 -40 60

More info and screens

8

2. Health

2.1 Basic Checks

RELY does not have a ROIC to compare to the WACC, probably because it is not profitable.
RELY has more shares outstanding than it did 1 year ago.
RELY has more shares outstanding than it did 5 years ago.
The debt/assets ratio for RELY has been reduced compared to a year ago.
RELY Yearly Shares OutstandingRELY Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M
RELY Yearly Total Debt VS Total AssetsRELY Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

An Altman-Z score of 7.77 indicates that RELY is not in any danger for bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 7.77, RELY belongs to the top of the industry, outperforming 93.07% 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.
RELY has a Debt to FCF ratio of 0.01. This is amongst the best in the industry. RELY outperforms 91.09% of its industry peers.
RELY has a Debt/Equity ratio of 0.00. This is a healthy value indicating a solid balance between debt and equity.
Looking at the Debt to Equity ratio, with a value of 0.00, RELY belongs to the top of the industry, outperforming 91.09% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Altman-Z 7.77
ROIC/WACCN/A
WACC15.79%
RELY Yearly LT Debt VS Equity VS FCFRELY Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

2.3 Liquidity

RELY has a Current Ratio of 2.73. This indicates that RELY is financially healthy and has no problem in meeting its short term obligations.
RELY's Current ratio of 2.73 is amongst the best of the industry. RELY outperforms 85.15% of its industry peers.
A Quick Ratio of 2.73 indicates that RELY has no problem at all paying its short term obligations.
RELY's Quick ratio of 2.73 is amongst the best of the industry. RELY outperforms 86.14% of its industry peers.
Industry RankSector Rank
Current Ratio 2.73
Quick Ratio 2.73
RELY Yearly Current Assets VS Current LiabilitesRELY Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M

More info and screens

6

3. Growth

3.1 Past

RELY shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 71.21%, which is quite impressive.
The Revenue has grown by 33.86% 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)71.21%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%84.21%
Revenue 1Y (TTM)33.86%
Revenue growth 3Y40.21%
Revenue growth 5Y58.44%
Sales Q2Q%32.91%

3.2 Future

The Earnings Per Share is expected to grow by 90.87% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 19.22% on average over the next years. This is quite good.
EPS Next Y115.34%
EPS Next 2Y87.58%
EPS Next 3Y75.83%
EPS Next 5Y90.87%
Revenue Next Year25.7%
Revenue Next 2Y23.02%
Revenue Next 3Y20.29%
Revenue Next 5Y19.22%

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.
RELY Yearly Revenue VS EstimatesRELY Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 500M 1B 1.5B 2B 2.5B
RELY Yearly EPS VS EstimatesRELY Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 0.5 -0.5 1 1.5 2

More info and screens

1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for RELY. In the last year negative earnings were reported.
RELY is valuated quite expensively with a Price/Forward Earnings ratio of 673.61.
Based on the Price/Forward Earnings ratio, RELY is valued a bit more expensive than the industry average as 77.23% of the companies are valued more cheaply.
RELY's Price/Forward Earnings ratio indicates a rather expensive valuation when compared to the S&P500 average which is at 21.37.
Industry RankSector Rank
PE N/A
Fwd PE 673.61
RELY Price Earnings VS Forward Price EarningsRELY Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 200 400 600

4.2 Price Multiples

The rest of the industry has a similar Price/Free Cash Flow ratio as RELY.
Industry RankSector Rank
P/FCF 22.28
EV/EBITDA N/A
RELY Per share dataRELY EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6

4.3 Compensation for Growth

The high PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates an expensive valuation of the company.
A more expensive valuation may be justified as RELY's earnings are expected to grow with 75.83% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y87.58%
EPS Next 3Y75.83%

More info and screens

0

5. Dividend

5.1 Amount

No dividends for RELY!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

REMITLY GLOBAL INC

NASDAQ:RELY (4/23/2025, 4:05:08 PM)

After market: 19.63 0 (0%)

19.63

+0.28 (+1.45%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)02-19 2025-02-19/amc
Earnings (Next)04-30 2025-04-30/amc
Inst Owners82.16%
Inst Owner Change0.03%
Ins Owners5.48%
Ins Owner Change-0.89%
Market Cap3.94B
Analysts82.35
Price Target32 (63.02%)
Short Float %3.86%
Short Ratio3.23
Dividend
Industry RankSector 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)89.63%
Min EPS beat(2)66.06%
Max EPS beat(2)113.2%
EPS beat(4)4
Avg EPS beat(4)60.53%
Min EPS beat(4)25.26%
Max EPS beat(4)113.2%
EPS beat(8)7
Avg EPS beat(8)33.94%
EPS beat(12)8
Avg EPS beat(12)13.61%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)1.67%
Min Revenue beat(2)0.48%
Max Revenue beat(2)2.86%
Revenue beat(4)2
Avg Revenue beat(4)-0.22%
Min Revenue beat(4)-3.7%
Max Revenue beat(4)2.86%
Revenue beat(8)4
Avg Revenue beat(8)0.67%
Revenue beat(12)7
Avg Revenue beat(12)1.1%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)30.05%
EPS NQ rev (1m)0%
EPS NQ rev (3m)32.53%
EPS NY rev (1m)211.12%
EPS NY rev (3m)195.23%
Revenue NQ rev (1m)-0.07%
Revenue NQ rev (3m)-0.33%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.19%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 673.61
P/S 3.12
P/FCF 22.28
P/OCF 20.25
P/B 5.92
P/tB 6.56
EV/EBITDA N/A
EPS(TTM)-0.19
EYN/A
EPS(NY)0.03
Fwd EY0.15%
FCF(TTM)0.88
FCFY4.49%
OCF(TTM)0.97
OCFY4.94%
SpS6.3
BVpS3.32
TBVpS2.99
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -3.65%
ROE -5.56%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 65.85%
FCFM 13.99%
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
ROICexcg growth 3YN/A
ROICexcg 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 Turnover1.25
Health
Industry RankSector Rank
Debt/Equity 0
Debt/FCF 0.01
Debt/EBITDA N/A
Cap/Depr 98.05%
Cap/Sales 1.4%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 2.73
Quick Ratio 2.73
Altman-Z 7.77
F-Score7
WACC15.79%
ROIC/WACCN/A
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)71.21%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%84.21%
EPS Next Y115.34%
EPS Next 2Y87.58%
EPS Next 3Y75.83%
EPS Next 5Y90.87%
Revenue 1Y (TTM)33.86%
Revenue growth 3Y40.21%
Revenue growth 5Y58.44%
Sales Q2Q%32.91%
Revenue Next Year25.7%
Revenue Next 2Y23.02%
Revenue Next 3Y20.29%
Revenue Next 5Y19.22%
EBIT growth 1Y65.77%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year435.88%
EBIT Next 3Y99.3%
EBIT Next 5Y80.95%
FCF growth 1Y381.98%
FCF growth 3YN/A
FCF growth 5Y170.09%
OCF growth 1Y462.91%
OCF growth 3YN/A
OCF growth 5Y87.29%