Remitly Global Inc. (RELY) earns a Roarable Rating of B- (Buy) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.
As of 2026-11-03, Remitly Global Inc. (NASDAQ: RELY) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $24.15 (-1.99% 1D, market cap $5.11B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 16/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 12/20. Across 1011 tracked Consumer Discretionary issuers, RELY ranks #152 in composite RQD confidence.
Within the Consumer Discretionary sector (Business Services), RELY carries a Roarable B- (70/100 RQD), trailing P/E of 76.8x, gross margin of —, and ROIC of 12.7%. By comparison, AMTM (Amentum Holdings Inc.) holds a D+ grade (55/100 RQD, P/E 81.8x, ROIC 4.6%, cap $5.35B) and XMTR (Xometry Inc.) posts a D grade (50/100 RQD, P/E N/A, ROIC -7.8%, cap $5.37B). Among the 5-stock peer group, WEX leads on earnings multiple (20.6x) while WEX leads on capital efficiency (13.6% ROIC).
Per RELY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001782170), Remitly Global Inc. generated $1.64B in revenue (+29.4% YoY), $67.9M in net income, and $295.7M in free cash flow against $1.46B in total assets and $155.0M in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Priced at 77x earnings—high expectations leave less room for a lukewarm quarter.. Institutional options positioning shows a 50% call / 50% put premium split.
Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer
Altman Z-Score 6.91 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9
SEC XBRL FY 2025 (10-K): 18.1% FCF Margin ($295.7M FCF) & 52% Gross Margin
Cannibal Buyback (-1.24% YoY Shares) & executive Form 4 sales trim 8 pts from alignment
Even with a 70/100 (B-) score, RELY faces multiple-compression risk if 76.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.
Priced at 77x earnings—high expectations leave less room for a lukewarm quarter.
Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.
Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($23.69) or 200D SMA ($20.64) invalidates the momentum regime and cuts Target Base ($25.45) toward Bear Floor ($19.80).
Remitly Global Inc. (RELY) slipped -1.99% to $24.15, trading at 78% of its 52-week range ($12.08 – $27.48). High-quality cash engine (steady margins, 13% return on capital) with steady institutional support.
Yahoo Finance report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.
ChartMill report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.
Transferring money can be a lucrative endeavor. And this is certainly the case for this fintech stock, which is eyeing an entry.
While profitability is essential, it doesn’t guarantee long-term success. Some companies that rest on their margins will lose ground as competition intensifies — as Jeff Bezos said, “Your margin is my opportunity”.
Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).
vs. +29.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).
No active Ellis Vennor swing setup published on RELY today. View full Setup Ledger →
No direct multi-tier Butterfly edges indexed yet for RELY. Explore sector supply chains on /butterfly.
Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Remitly Global Inc. (RELY) ranks #152 by composite RQD confidence (70/100, grade B-) and #265 by equity capitalization ($5.11B). Within this direct 5-issuer industry benchmark cohort, WEX leads on earnings valuation at 20.6x trailing P/E, while WEX leads on capital efficiency and profitability with 13.6% ROIC and 40.4% gross margin. RELY currently leads its immediate peer cohort in composite quantitative strength at 70/100 (B-).
| Ticker / Company | Roarable Grade | RQD Score | Trailing P/E | Gross Margin | ROIC | 1D Change | Market Cap | Head-to-Head |
|---|---|---|---|---|---|---|---|---|
| RELY
ACTIVE
Remitly Global Inc. | B- | 70/100 | 76.8x | — | 12.7% | -1.99% | $5.11B | Benchmark Subject |
| AMTM Amentum Holdings Inc. | D+ | 55/100 | 81.8x | 10.5% | 4.6% | -0.91% | $5.35B | /amtm-vs-rely → |
| XMTR Xometry Inc. | D | 50/100 | — | 39.1% | -7.8% | -7.11% | $5.37B | /xmtr-vs-rely → |
| MBGL Mobility Global Inc. | D | 50/100 | 32.8x | — | 1.4% | -0.05% | $5.58B | /mbgl-vs-rely → |
| WEX WEX Inc. | D+ | 56/100 | 20.6x | 40.4% | 13.6% | +0.62% | $6.07B | /wex-vs-rely → |
In its most recent audited fiscal period (FY2025, filed 2025-12-31), Remitly Global Inc. (RELY) reported GAAP revenue of $1.64B (+29.4% vs. FY2024 revenue of $1.26B , and +73.2% cumulative change since FY2023) , GAAP net income of $67.9M, operating cash flow of $325.1M, and free cash flow of $295.7M (+180.0% YoY). On the balance sheet, RELY closed FY2025 with $1.46B in total assets against $155.0M in total debt (Altman Z-Score: 6.91, Piotroski F-Score: 8/9).
| Fiscal Period | Filing Date | Revenue | Net Income | Operating Cash Flow | Free Cash Flow | Total Assets | Total Debt |
|---|---|---|---|---|---|---|---|
| FY2025 (FY) | 2025-12-31 | $1.64B | $67.9M | $325.1M | $295.7M | $1.46B | $155.0M |
| FY2024 (FY) | 2024-12-31 | $1.26B | -$37.0M | $111.6M | $105.6M | $1.01B | $0 |
| FY2023 (FY) | 2023-12-31 | $944.3M | -$117.8M | $66.8M | $66.8M | — | — |
As of 2026-11-03, Remitly Global Inc. (NASDAQ: RELY) is rated B- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 70/100 at a spot price of $24.15 (-1.99% 1D, market cap $5.11B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, Executive Insider Alignment 16/20, FRED Macro Regime Fit 13/20, and SEC Balance-Sheet Forensics 12/20. Across 1011 tracked Consumer Discretionary issuers, RELY ranks #152 in composite RQD confidence.
Within the Consumer Discretionary sector (Business Services), RELY carries a Roarable B- (70/100 RQD), trailing P/E of 76.8x, gross margin of —, and ROIC of 12.7%. By comparison, AMTM (Amentum Holdings Inc.) holds a D+ grade (55/100 RQD, P/E 81.8x, ROIC 4.6%, cap $5.35B) and XMTR (Xometry Inc.) posts a D grade (50/100 RQD, P/E N/A, ROIC -7.8%, cap $5.37B). Among the 5-stock peer group, WEX leads on earnings multiple (20.6x) while WEX leads on capital efficiency (13.6% ROIC).
Per RELY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001782170), Remitly Global Inc. generated $1.64B in revenue (+29.4% YoY), $67.9M in net income, and $295.7M in free cash flow against $1.46B in total assets and $155.0M in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Priced at 77x earnings—high expectations leave less room for a lukewarm quarter.. Institutional options positioning shows a 50% call / 50% put premium split.
RELY last traded at $24.15 (-1.99% on volume of 1,928,321 shares), positioning the stock +1.94% above its 50-day simple moving average ($23.69) and +17.01% above its 200-day simple moving average ($20.64). Across its 52-week range of $12.08 to $27.48, RELY sits at the 78.4% percentile with a 14-day RSI of 51.4 (NEUTRAL RANGE) and an implied next-earnings move of ±7.1% ($22.44 to $25.86).
Why RELY Stock slipped -1.99% Today — RQD Quant Desk Flash. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support.
Per the Roarable RQD rating, RELY carries an RQD Score of 72, a letter grade of B, and a verdict label of "Roarable Buy — Good Risk/Reward." The five pillars are:
Taken together, the rating points to a business with solid cash generation and a strong balance sheet, with institutional flow supportive and insider flow the softest signal. The valuation metrics in the market data (P/E TTM of 76.8 and EV/EBITDA of 47.1) are elevated, so the upside case depends on continued earnings growth to justify the premium multiples, a tradeoff a prospective investor should weigh against the rating.
Remitly Global Inc. is a NASDAQ-listed company classified in the Consumer Discretionary sector and the Business Services industry, per the profile. The source data does not describe its products, customer segments, or revenue model beyond this classification. Per the market data, its gross margin is reported as 0%, operating margin as 4.7%, and net margin as 4.2%. Market capitalization is $5.22B.
Risk watch item: the MarketBeat item reports a break below the 50-day moving average, which is a technical risk signal. Per the Butterfly Supply-Chain Graph, no proprietary signals are present.
Per the Butterfly Supply-Chain Graph, the supply chain is recorded as NONE, with no butterfly links and no proprietary signals. Sector and industry are Consumer Discretionary and Business Services. The source data does not identify upstream suppliers, downstream customers, or sector correlations, so no 2nd-order ripple effects can be mapped from the sources. A prospective investor should note this as a limitation of the available data rather than an absence of risk.
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Yahoo Finance report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.
Seeking Alpha report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.
ChartMill report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.
TradingView report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.
Yahoo Finance report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.
MarketBeat report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.
Simply Wall St report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.
Stock Titan report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.
Welcome to the RELY (Remitly Global Inc.) Roar Pit. Current RQD Composite is 72/100 (Roarable Buy — Good Risk/Reward) in Business Services. Bulls point to capital efficiency (12.7% ROIC), while bears focus on valuation multiple compression (76.8x trailing P/E). Pick your side (🐂 Bull or 🐻 Bear) and drop your price target below.
Everyone in here is repeating the bull case on RELY, but look at what you are paying: 76.8x trailing P/E with tightening sector spreads. Unless Remitly Global Inc. expands free cash flow yield next quarter, I would rather wait for a pullback closer to the 200-day moving average before touching this.
Looking at the 5-pillar RQD breakdown on RELY, the market is fixating on short-term headline noise in Business Services and ignoring the balance sheet and cash flow trajectory. At $24.64 (52-wk range $12.08 - $27.48), any beat on forward guidance forces shorts and underweight funds to chase.
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