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RERELY

Remitly Global, Inc.

$RELY·$5.1B·Software - Infrastructure·Technology
$25.93+7.7%
Mentions · last 7 days
2026-07-30: 16 posts2026-07-31: 9 posts2026-08-01: 13 posts2026-08-02: 10 posts2026-08-03: 17 posts2026-08-04: 15 posts2026-08-05: 17 posts97
Price updated just now·X counts updated 22h ago
RERELY
$RELYRemitly Global, Inc.
$25.93+7.73%97 posts
AI analysisFundamentalsVoices on X
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AI verdict & sentimentAI analysisGenerated by AI from underlying data

Top X posts

Today's AI verdict on what's driving $RELY, plus how loud the X conversation is and which way it's leaning.

AI analysis

TickerTalks’ read on the fundamentals and what’s driving the move.

Proven numbersAcceleratingAI verdict · as of 2026-08-06

The move is getting stronger, with heavier trading behind it.

Remitly Q2 was a blowout — record revenue, launched the Global Card (first cross-border banking product), raised FY26 outlook. The remittance fintech is scaling.

Remitly Global is a cross-border remittance and financial-services company — mobile-app-based international money transfers, plus a growing set of cross-border banking products (Global Card, savings, credit). The stock is at 88% of 52-week range on the specific fintech-scaling thesis.

The mechanics of the setup:

  • Q2 was a genuine blowout: EPS of $0.93 beat $0.124 by 651% (Q1 was +92%), revenue of $495M grew 20% year-over-year with 13% operating margin — that's the pattern of a fintech finding aggressive operating leverage after multiple quarters of margin expansion.
  • The Global Card launch is the strategic-diversification catalyst: 'The World's First Card Built for Cross-Border Communities to Send, Spend, Save, and Borrow in One Account' — that's the specific product-mix-shift that turns Remitly from a pure-play remittance operator into a cross-border banking platform.
  • Management raised full-year 2026 outlook: that's the specific institutional-flow signal that anchors sell-side model updates, and it reflects both revenue-and-margin trajectory strength.
  • The valuation is reasonable: 17x trailing earnings, 2.8x sales, 9.5% operating margins, and 7% FCF yield — that's Rule-of-30+ pricing on a fintech-in-inflection setup, which supports continued multiple expansion.

The path from here is Q3 confirming that Global Card adoption ramps and that revenue growth extends above 20%. Continued execution plus visible Global Card revenue contribution extends the run; a specific regulatory-cost-inflation event on cross-border payments or a slowdown in remittance volumes becomes the first crack. This is a genuine fintech-scaling setup with the strategic diversification narrative reinforcing the compounder read.

What to watch: The next Q3 print — Global Card adoption trajectory, revenue growth (needs to stay above 20%), and any specific regulatory-cost commentary. Continued execution plus visible Global Card revenue extends the run; a regulatory-cost event or remittance-volume slowdown is the first crack.

On the calendar: 2026-11-05 — Q3 2026 earnings (estimated)

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What it does

Plain-English summary of the business — what they sell and how they make money.

Remitly Global, Inc. specializes in providing digital financial services tailored for immigrants and their families. Primarily, it enables international money transfers, operating in nearly 150 countries. Founded in 2011, the company maintains its headquarters in Seattle, Washington.

Industry overviewAI analysisGenerated by AI from underlying data

Where Software - Infrastructure sits in its cycle right now — and what that implies for $RELY.

Software - Infrastructure · Technology

No material change from last week — Enterprise software infrastructure is in a multiple compression phase (-16.

Top industry ETF

$IGViShares Expanded Tech-Software Sector ETF
-4.2%YTD
-8.4%1Y

Fundamentals & catalyst

Profitability, valuation, and the next earnings event — at a glance, with rule-of-thumb signals.

Key ratios

P/E
16.6How much investors are paying per dollar of profit the company actually earned in the last 12 months. Lower means the stock looks cheaper relative to earnings.~15–25 is typical for the S&P 500; high-growth names trade 30+; hyper-growth or speculative can be 100+ or negative.
ROIC
14.6%What percentage return the business earns on every dollar of capital (equity + debt) deployed in operations. The cleanest measure of business quality.Above ~15% is high-quality; consistently above 25% suggests a real moat. Below the company's cost of capital is value-destroying.
Op margin
9.5%Operating profit (after sales, marketing, R&D, and overhead but before interest and taxes) as a percentage of revenue. The clearest view of how well the underlying business is run.Mature business above 20% is healthy; software businesses can run 30%+; commodity / retail businesses operate in single digits.
FCF yield
7.2%Free cash flow (operating cash flow minus capex) divided by the company's market cap. The cash-on-cash return you'd get owning the whole business at today's price.Above ~5% is attractive; below ~2% means you're paying up for growth. Capital-light businesses (software) run higher than capital-heavy ones (utilities).
P/S
2.8Same idea as P/E but per dollar of revenue. Useful for companies that aren't profitable yet, where P/E is meaningless.Under ~2 is cheap; software / SaaS often runs 8–15; well above 20 implies the market is pricing in very high future growth.
ROE
33.0%Net income as a percentage of shareholders' equity. Similar to ROIC but counts only the equity side.Above 20% is strong, but can be inflated by leverage — a heavily indebted company can show high ROE with weak underlying ROIC.
Gross margin
28.2%Revenue minus the direct cost of producing what was sold, as a percentage of revenue. The first read on whether the product is structurally profitable.Software / SaaS is typically 70%+; consumer goods 30–50%; commodity / hardware businesses can be under 20%.
D/E
0.0Total debt divided by shareholders' equity. Measures how much the business runs on borrowed money versus owner capital.Under 1 is conservative; 1–2 is typical for mature businesses; over 2 is leveraged and more sensitive to interest rates.

Past earnings

QuarterReportedActualEstimateSurprise
Q2 2026Aug 5, 2026$0.93$0.12+651.2%
Q1 2026May 6, 2026$0.23$0.12+91.7%
Q4 2025Feb 18, 2026$0.19$0.16+20.6%
Q3 2025Nov 5, 2025$0.04$0.18-77.4%

Quarterly trend

QuarterRevenueYoYGrossOpEPSFCF
Q2 FY26$495.2M+20.2%-54.3%13.5%$0.98$136.6M
Q1 FY26$452.8M+25.2%59.3%14.4%$0.23$72.7M
Q4 FY25$442.2M+25.7%59.6%8.8%$0.20$152.6M
Q3 FY25$419.5M+24.7%58.7%2.8%$0.04$1.5M

Forward consensus

5-year forecast · up to 7 analysts
FYRevenueRangeEPSRangeAnalysts
FY26$2.0B$2.0B – $2.0B$0.64$0.63 – $0.657
FY27$2.4B$2.3B – $2.4B$0.91$0.90 – $0.927
FY28$2.8B$2.7B – $2.8B$1.12$1.05 – $1.224
FY29$3.3B$3.2B – $3.3B$1.46$1.44 – $1.483
FY30$3.7B$3.7B – $3.8B$1.91$1.89 – $1.943

Setup & momentum

Volume, range, and moving-average position — the technical setup driving short-term moves.

Right now

Vol vs 30dToday's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.0.9×Today's traded share volume divided by the average over the prior 30 trading days. ≥3× signals unusual interest; below 1× is quiet.
52w rangeWhere the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.88%Where the latest close sits between the 52-week low (0%) and high (100%). Above 80% is extended; below 30% is basing or in a downtrend.
vs 50d MALatest close vs the 50-day simple moving average. Positive = short-term trend is up.+9.7%Latest close vs the 50-day simple moving average. Positive = short-term trend is up.
vs 200d MALatest close vs the 200-day simple moving average. Positive = long-term trend is up.+37.3%Latest close vs the 200-day simple moving average. Positive = long-term trend is up.

Float & profile

FloatMid float · 185.7M shFree-float shares — the slice of issued stock actually available to trade. Lower buckets squeeze harder on a catalyst.Traded today1.4% of floatToday's volume as a percent of the free float. Above 5% on a single day is unusually high turnover for the available share count.β0.345-year weekly beta vs the S&P 500. Above 1.5 means the stock typically moves more than the index; below 0.8 moves less.

SEC filings

Material 8-K, 13D, S-3, and 424B5 events from the last 180 days — the filings that actually move the price.

Recent material filings

8-KPress release / Reg FDAug 58-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
8-KShareholder voteJun 118-K — Item 5.07: Shareholder vote
8-KOfficer or director changeJun 88-K — Item 5.02: Officer or director change
8-KPress release / Reg FDMay 68-K — Item 2.02: Earnings release · Item 7.01: Press release / Reg FD
3New insider — initial holdingsApr 143
8-KOfficer or director changeApr 108-K — Item 5.02: Officer or director change
3New insider — initial holdingsApr 33
8-KOfficer or director changeMar 208-K — Item 5.02: Officer or director change
+ 16 other (6 13Gs · 2 10-Qs · 2 proxys · 2 8-Ks) in window

Recent news

Latest headlines from major outlets, sourced and timestamped — context for whatever just moved.

Remitly Global, Inc. (RELY) Q2 Earnings and Revenues Top Estimateszacks.com·1d agoRemitly Reports Record Second Quarter Results and Raises Full Year 2026 Outlookglobenewswire.com·1d agoRemitly Launches the Global Card: The World's First Card Built for Cross-Border Communities to Send, Spend, Save, and Borrow in One Accountglobenewswire.com·7d agoRemitly launches Global Card to turn cross-border money transfers into everyday bankinggeekwire.com·7d agoFifth Third Bancorp Acquires Shares of 54,600 Remitly Global, Inc. $RELYdefenseworld.net·11d ago

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