Remitly (RELY)
NASDAQFinancialsSoftware - InfrastructureSnapshot 2026-09-04
$26.17-2.79%
Close 2026-09-04 · 1-day change
NASDAQFinancialsSoftware - InfrastructureSnapshot 2026-09-04
QuarterlyIQ Insights · RELY
How strong the business is — where it ranks within its sector on capital efficiency and cash generation, and how well management has been executing.
How this business ranks within financials on a research-validated quality screen. As of 2026-09-04.
The screen ranks RELY against its sector on four durable signals: share dilution, return on capital, free-cash-flow yield, and FCF margin. Historically the highest-quality names tended toward better typical outcomes and fewer bad years over multi-year holds (strongest at three years, modest at one), and that pattern showed up even before the price moved. It characterizes business quality, not price direction.
Each leg is a sector-relative percentile (higher is better); 3 of 4 legs were available for this name. The composite is built from these four; the raw value follows each percentile for context.
A forward quality tilt, not a price prediction, and context for your own research rather than a recommendation. Not investment advice.
How management runs the business: capital, margins, balance sheet, and how reliably they guide and deliver.
Each factor is a parallel diagnostic with a clear read of what it shows and how names like it have historically fared. Never aggregated into a single score.
Operating income rose in 3 of the last 3 quarter-over-quarter moves. Historically, Financials names rated strong grew net income 67% of the time over the next year (vs 56% for the rest of the cohort, n=7680).
Not investment advice. Scores describe historical and current data; they are not forecasts of future returns. Consult a licensed advisor before making investment decisions.
A guidance track record builds as the company issues and delivers on guidance.
Priorities management has stated in recent disclosures, with status and evidence drawn from earnings calls, filings, and press releases.
Continue to grow total revenue by approximately 20-22% year over year for fiscal year 2026, with quarterly growth targets aligned.
Stated as a priority in 4 of last 4 quarters. Revenue grew from $361.6M in 2025-Q1 to $495.2M in 2026-Q2 (+37%), with guidance for full-year 2026 revenue at $1.978B to $1.988B, representing 21% to 22% growth year over year. Quarterly guidance for Q3 2026 is $505M to $507M, up 20% to 21%. The trajectory is delivering and consistent with management's stated growth targets.
“For fiscal year 2026, Remitly expects total revenue in the range of $1.978 billion to $1.988 billion, representing a growth rate of 21% to 22% year over year.”
“For fiscal year 2026, Remitly currently expects total revenue in the range of $1.960 billion to $1.975 billion, representing a growth rate of 20 to 21% year over year.”
“For fiscal year 2026, Remitly currently expects total revenue in the range of $1.940 billion to $1.960 billion.”
“For fiscal year 2026, Remitly currently expects total revenue in the range of $1.940 billion to $1.960 billion.”
Focus on growing net income and Adjusted EBITDA year over year, with positive GAAP net income expected for 2026.
Stated as a priority in 4 of last 4 quarters. Adjusted EBITDA grew from $64.0M in 2025-Q2 to $114.7M in 2026-Q2 (+79%). Management expects full-year 2026 Adjusted EBITDA in the range of $410M to $415M, up from $225M to $230M in 2025. Net income also improved, with 2026-Q2 net income at $205.9M including a tax benefit, compared to $6.5M in 2025-Q2. The trajectory is delivering consistent growth in profitability.
“Year over year growth in net income, and Adjusted EBITDA in the range of $410 million to $415 million.”
Sustain positive GAAP net income throughout 2026, building on recent quarters of profitability.
Stated as a priority in 4 of last 4 quarters. GAAP net income improved from $6.5M in 2025-Q2 to $205.9M in 2026-Q2, including a $140.6M tax benefit. Net income was positive in each quarter of 2026 reported so far, consistent with management's commitment to maintain positive GAAP net income. The trajectory shows delivering positive profitability.
Over the trailing year it converted 58.13x of net income into operating cash flow. Historically, Financials names rated robust grew net income 62% of the time over the next year (vs 56% for the rest of the cohort, n=6844).
Most sensitive to the broad stock market.
Not enough signal to read sensitivity to the US dollar, real (inflation-adjusted) rates, Fed net liquidity, long-term interest rates (low R² over the window).
10 material management or governance events in the past 24 months, led by executive changes. Historically, Financials names rated neutral grew net income 56% of the time over the next year (vs 58% for the rest of the cohort, n=3751).
Not investment advice. As of 2026-09-04.
“Year over year growth in net income for the first quarter of 2026 and Adjusted EBITDA to be in the range of $82 million to $84 million.”
“For the fourth quarter of 2025, Remitly expects Adjusted EBITDA to be in the range of $50 million to $52 million.”
“A modest GAAP net income for the third quarter of 2025 and Adjusted EBITDA to be in the range of $53 million to $55 million.”
“Second quarter net income of $205.9 million, inclusive of a $140.6 million discrete tax benefit.”
“GAAP net income to be positive for the first quarter of 2026.”
“For the fourth quarter of 2025, Remitly expects positive GAAP net income.”
“A modest GAAP net income for the third quarter of 2025.”