REMITLY GLOBAL INC (RELY)
Financials · Digital Payments / Money Transfer · NASDAQ
Remitly is a digital-native global payments platform simplifying international money transfers for immigrants.
What REMITLY GLOBAL INC does
Remitly Global is a digital financial services provider focused on enabling cross-border money transfers for immigrants and their families. The company offers a mobile-first platform that facilitates international remittances through various disbursement methods, including bank deposits, cash pickup, and mobile wallets.
Themes: digital remittances, cross-border payments, fintech, immigrant financial services, mobile-first payments
Fundamentals
- Price$23.52 as of 2026-10-08 close
- Market cap$5.0B as of 2026-08-03 (share count; price 2026-10-08)
- 1-year return+47.7% 2025-10-08 close $15.92 → 2026-10-08 close $23.52
- P/E16.93 as of 2026-10-08
- Net margin+4.2% FY2025, SEC XBRL
- ROE+7.8% FY2025, SEC XBRL
- Debt / equity0.00 as of 2026-09-02
- Revenue growth (YoY)+23.8% as of 2026-09-02
- Revenue CAGR (3y)+35.8% SEC XBRL
- Beta0.98 as of 2026-09-02
- Last reported earnings2026-08-05 SEC EDGAR Form 8-K (Item 2.02)
How RELY compares in its sector
- price-to-earnings ratiotop 25% 513 covered Financials peers, as of 2026-10-08
- net profit marginbottom 25% 344 covered Financials peers, as of 2026-09-02
- operating marginmiddle range 122 covered Financials peers, as of 2026-09-02
- return on equitymiddle range 559 covered Financials peers, as of 2026-09-02
- 3-year revenue CAGRtop 25% 347 covered Financials peers
- free cash flow (absolute dollars, latest fiscal year)middle range 430 covered Financials peers, as of FY2025
Position among covered Financials companies that report each metric (minimum 5 peers). A relative position within our covered catalog — not a valuation, quality, or investment judgment. A higher percentile is simply a higher value (for P/E, more expensive on earnings — never "better"). Informational only.
Top 10 scores & list membership
RELY is not currently in any published Top 10 list. Its scores are below.
Top 10 score
58.2 #301 of 1,379 scored · #106 of 220 in Financials
Growth 87th (3-year revenue CAGR 35.8%, revenue growth year over year 23.8%) and financial health 79th (debt to equity 0, free cash flow margin 18.1%); weakest is capital return (12th, net share count bought back over the year -11.8, consecutive years of dividend increases 0 years).
Scores as of 8 Oct 2026. Each bar is a percentile: how this company ranked against every company the score ranked, 0–100. A list is a published formula and its output, not a recommendation. Method version 4.
How REMITLY GLOBAL INC looks technically
REMITLY GLOBAL INC (RELY) is trading 19.7% above its 200-day average, the long-term trend line — a longer-term uptrend. Its 50-day average crossed above its 200-day average about 119 trading days ago — a "golden cross", a bullish long-term signal. A trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 21 (a reading of 25+ marks a strong trend). Momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 56, neither overbought (above 70) nor oversold (below 30). MACD, a trend-momentum gauge, turned bullish about 5 trading days ago (its momentum flipped positive). It just made a new 20-day high, its first since 2026-09-09, pushing above its recent trading range.
Trend
7
| Distance from the 200-day | it is trading 19.7% above its 200-day average, the long-term trend line — a longer-term uptrend | +19.7% |
|---|---|---|
| 50-day moving average | its average price over the last 50 trading days — a short-term trend line — is $23.85 | $23.85 |
| 200-day moving average | its average price over the last 200 trading days — the long-term trend line — is $19.65 | $19.65 |
| Swing structure | its recent peaks and dips disagree — one of them is rising while the other is not, so there is no clean up or down pattern in the swings | mixed — one of the two is not confirming |
| Last swing turn | its last significant turn was a swing low 15 calendar days ago — the swings before that are what the structure reading is measured on | 15 sessions |
| Since the 50/200 cross | its 50-day average crossed above its 200-day average about 119 trading days ago — a "golden cross", a bullish long-term signal | 119 sessions |
| Trend strength (14-day ADX) | a trend is forming but not yet strong — ADX, a 0–100 trend-strength gauge, is 21 (a reading of 25+ marks a strong trend) | 21.4 |
Momentum
3
| 14-day RSI | momentum is neutral — its 14-day RSI (a 0–100 momentum gauge) is 56, neither overbought (above 70) nor oversold (below 30) | 55.7 |
|---|---|---|
| Position in its 14-day range | it is trading right at the top of its 14-day range ($19.52 to $23.60) — its "stochastic" reading is 98 out of 100, where 0 would mean closing exactly at the 14-session low and 100 exactly at the high. This measures WHERE the price sits inside its recent range, which is a different question from the RSI beside it: RSI is a momentum gauge, measuring how FAST the price has been moving, so a stock can drift quietly to the bottom of its range with an ordinary RSI, or fall sharply and still sit in the middle. It has been climbing within that range over the last few sessions. | 98.0 |
| Since the MACD crossed zero | MACD, a trend-momentum gauge, turned bullish about 5 trading days ago (its momentum flipped positive) | 5 sessions |
Range
12
| 52-week high | its highest closing price over the past year (about 252 trading days) was $27.48 | $27.48 |
|---|---|---|
| From the 52-week high | it is 14.4% below its 52-week high (its highest price of the past year) | -14.4% |
| Above the 52-week low | it is 94.7% above its 52-week low (its lowest price of the past year) | +94.7% |
| Below the 52-week high | it is 14.4% below its highest point of the past year | 14.4% |
| Since a 20-day breakout | it just made a new 20-day high, its first since 2026-09-09, pushing above its recent trading range | 1 session |
| Since a 55-day breakout | it made a new 55-day low about 12 trading days ago | 12 sessions |
| All-time high | its highest closing price on record is $41.40 (set on 2021-10-15) | $41.40 |
| Given back of the 52-week move | over the past year its closes ranged ($12.20 to $26.92), and it has given back roughly a quarter of its rise from last year’s low — 23% of it. Chart-watchers call 61.8%-65% given back the "golden pocket" — for this company that is $17.35 to $17.82. It is watched widely enough that orders cluster there, which is the honest reason it matters; it is not a forecast. | 23.1% |
| From the all-time high | it is 43.2% below its all-time high | -43.2% |
| Nearest price level | it is trading 5.5% below a resistance level at $24.81 — a price it turned at three times since 2025-05-13, most recently on 2026-07-07. Since 2024-10-08 it has 13 such levels below the current price and 3 above. Levels like these describe where the price has reversed or paused before; they are not a forecast of where it will go. | +5.5% |
| All-time low | its lowest closing price on record is $6.66 (set on 2022-05-12) | $6.66 |
| Above the all-time low | it is 253.2% above its all-time low | +253.2% |
Volatility
5
| Band width vs its own 6 months | day-to-day price swings are narrower than usual versus its own recent 6-month history (tighter than about 89% of it) | 11th percentile |
|---|---|---|
| Typical daily range | in a typical session it travels about $0.9838 between its high and its low — about 4.2% of its price. That is its "average true range" over the last 14 sessions, which also counts the distance from the previous close, so a day that opens well away from yesterday counts as the large move it was | $0.9838 |
| Bollinger bands (20-day, ±2σ) | most of its recent trading has stayed between about $20.38 and $23.42 — the "Bollinger bands", a range drawn two standard deviations either side of its 20-day average price, which widens when the stock gets more volatile and narrows when it settles | $20.38 – $21.90 – $23.42 |
| Typical daily range (% of price) | its price moves about 4.2% in a typical session — about typical for the companies we cover. This is the average gap between a session's high and low over the last 14 sessions, counting overnight moves, expressed against the current price so it can be compared with companies trading at any price | 4.2% |
| Stretch from the 200-day average | it is trading 3.9 daily ranges above its 200-day average price (19.7% above it in plain percentage terms) — a way of asking how far it has stretched from its own average in units of how far it normally moves in a day, so a calm company and a jumpy one can be compared on the same scale | 3.9 daily ranges above its 200-day average |
Volume
1
| Volume vs its 30-day average | trading volume is about normal versus its 30-day average | 0.87× |
|---|
Analyst
2
| Change in the average price target | analysts have cut their average price target by 0.7% since the prior reading | -0.7% |
|---|---|---|
| Change in the consensus rating | the analyst consensus rating is unchanged since the prior reading | unchanged |
Candlestick patterns
2
| Since a doji | 1 session ago it opened and closed at almost the same price after trading through a wider range — a "doji", the classic picture of buyers and sellers finishing the session level | 1 session ago |
|---|---|---|
| Since a bullish engulfing | today it opened below the previous session's close and finished above that session's open — a "bullish engulfing" pair, where one up day more than undid the down day before it | today |
Price gaps
2
| Gap at the open | it opened on 2026-10-08 0.8% below the previous session's close — an overnight gap, the part of the move that happened while the market was shut, and traded back through that level before the close | -0.8% |
|---|---|---|
| Gap filled | a 2.1% gap up opened on 2026-09-17 has been "filled" 15 sessions ago — price traded back through the level the gap left behind, and it closed again during the very session that opened it | 15 sessions ago |
Price streaks
1
| Closing streak | it closed higher in its latest session, after a session that did not close higher — a single up day rather than a run | 1 session up |
|---|
Relative strength
4
| vs market, 1 month | over the past 1 month this stock lagged the market by 6.3 percentage points (the stock lost 5.3% while the market gained 1.0%) | -6.3% |
|---|---|---|
| vs market, 3 months | over the past 3 months this stock lagged the market by 2.0 percentage points (the stock gained 1.8% while the market gained 3.8%) | -2.0% |
| vs market, 6 months | over the past 6 months this stock beat the market by 27.6 percentage points (the stock gained 45.1% while the market gained 17.5%) | +27.6% |
| vs market, 12 months | over the past 12 months this stock beat the market by 32.8 percentage points (the stock gained 47.7% while the market gained 15.0%) | +32.8% |
Signal agreement
2
| Bullish technical signals | 5 of the 9 technical signals we can compute for it are currently in a bullish state: a "golden cross" — its 50-day average is above its 200-day, trading above its 200-day average, a fresh 20-day high, MACD momentum is positive, outperforming the market over 6 months — these describe past price behaviour, not a forecast | 5 of 9 |
|---|---|---|
| Bearish technical signals | 2 of the 9 technical signals we can compute for it are currently in a bearish state: near the top of its 14-day range (overbought), trading below the Ichimoku cloud — these describe past price behaviour, not a forecast | 2 of 9 |
Trend (Ichimoku cloud)
1
| Vs the Ichimoku cloud | trading 0.8% below the Ichimoku cloud — a band drawn from where its own highs and lows sat up to 2026-09-01 and projected forward over today's price, the side traders read as an established downtrend, with the band above acting as the level that would have to be cleared. The band itself is moderate, spanning 6.2% of the share price. | -0.8% |
|---|
Volume-weighted price
2
| Vs this year’s average price paid | the price is 17% above the average price paid so far this year, so the typical buyer over that stretch is showing a gain. That average is $20.15 — a volume-weighted average of daily closes over 191 sessions, not a true tick-by-tick VWAP. | +16.7% |
|---|---|---|
| Vs the average paid since it last reported | the price is 1% below the average price paid since it last reported on 2026-08-05 (its 10-Q), so the typical buyer over that stretch is under water. That average is $23.71 — a volume-weighted average of daily closes over 46 sessions, not a true tick-by-tick VWAP. | -0.8% |
Price levels it has turned at before
RELY last closed at $23.52 on 2026-10-08. Since 2024-10-08 it has turned at 13 prices below its last close and 3 above; the 3 nearest below and the 3 nearest above are listed, nearest first.
| Level | Side | Distance | Evidence |
|---|---|---|---|
| $24.81 | Resistance | 5.5% above the last close | turned there three times · 2025-05-13 to 2026-07-07 |
| $22.17 | Support | 5.8% below the last close | turned there three times · 2025-01-13 to 2026-07-28 |
| $21.55 | Support | 8.4% below the last close | turned there four times · 2024-11-25 to 2025-06-09 |
| $20.86 | Support | 11.3% below the last close | turned there three times · 2024-11-13 to 2025-09-09 |
| $26.90 | Resistance | 14.4% above the last close | turned there three times · 2026-08-06 to 2026-08-24 |
| $27.40 | Resistance | 16.5% above the last close | turned there twice · 2025-02-18 to 2026-09-03 |
A level is a price this company reversed or paused at more than once — they describe past behaviour, not a forecast of where the price will go.
Wave structure
No Elliott-wave labelling currently fits its swings: the recent highs and lows do not satisfy the three rules a five-wave count has to obey, so there is no count to show rather than a count we are unsure about.
Read from daily closes as of 2026-10-08.
An Elliott-wave count describes the swings already printed and the level that would disprove it. It is not a forecast, a target, or advice.
Screens: Trading above the 200-day moving average · Broke out to a new 20-day high · MACD just crossed bullish (12/26/9) · beating the market · Printed a bullish engulfing pair · At the top of its 14-day range (stochastic above 80) | Learn: moving average · golden cross · adx · rsi · macd · breakout
Based on daily closing prices as of 2026-10-08. Describes past price behavior only — informational, not financial advice.
Analyst consensus
- Consensus ratingStrong Buy (1.20 mean, 1=Strong Buy…5=Strong Sell) — 9 analysts
- Mean price target$32.11 range $29.00 – $36.00; median $32.00
Analyst estimates, as of 2026-10-05. These are third-party analyst opinions and price targets, aggregated — not a recommendation, prediction, or advice from stocks-llm. Informational only.
Analyst EPS estimate for RELY
- Consensus EPS estimate$0.2796 next reporting period, as of 2026-10-05
- Estimate change, 30 days$0.00 (0.0%) from $0.2796, on 2026-08-31, 35-day window
- Readings revised upward0% of 8 comparable readings
The consensus estimate for the next reporting period, and how it has moved between readings of that SAME period. A change is measured only between readings estimating one period — when a company reports, the consensus moves to the next quarter and the two numbers are not comparable. Informational only, not a forecast and not advice.
Key risks (from latest filing)
["Dependency on maintaining complex money transmission licenses and regulatory clearances across multiple jurisdictions.","Exposure to macroeconomic and geopolitical conditions, including currency fluctuations and changes in international trade or immigration policies.","Risk associated with the security and availability of digital solutions and the ability to effectively leverage AI and machine learning technologies."]
What changed in the latest 10-Q
AI-assisted comparison of RELY's 10-Q filed 2026-05-06 against the prior one filed 2025-11-05.
Management's Discussion & Analysis (MD&A)
- Added:
- Newer filing references 'Annual Report on Form 10-K for the year ended December 31, 2025' (vs. 2024 in older filing)
- Newer filing states footprint spans 'more than 175 countries' (vs. 'more than 170 countries' in older filing)
- Newer filing describes three core strengths as 'trust, network, and scale' (older filing uses different framework with four elements)
- Newer filing includes dedicated 'Trust' subsection explaining trust-building mechanisms
- Newer filing includes dedicated 'Network' subsection with detailed corridor and partnership information
- Newer filing states app ratings as of 'March 31, 2026' with 4.3 million iOS reviewers and 1.4 million Android reviewers (older filing dated September 30, 2025 with 3.8 million and 1.2 million respectively)
- Newer filing references 'over 5,500 corridors' (vs. 'over 5,300 corridors' in older filing)
- Newer filing references 'over 5.7 billion bank accounts and mobile wallets' (vs. 'over 5.4 billion' in older filing)
- Newer filing describes company as 'diversified, cross-border financial services provider' serving 'both consumers and businesses'
- Newer filing emphasizes 'direct integrations with funding and disbursement partners' as explicit competitive advantage
- Removed:
- Older filing's four-element 'differentiated approach' section removed (Mobile First, Global Presence, Unit Economics, Superior Technology)
- Older filing's 'Highly Attractive Unit Economics' subsection not present in newer filing
- Older filing's 'Superior Technology' subsection not present in newer filing
- Older filing's 'Revenue Model' section heading and content truncated in newer filing excerpt
- Older filing's discussion of 'peace of mind' brand promise as central organizing concept removed from newer filing
- Reworded:
- Newer: 'provider of financial services' vs. Older: 'provider of digital financial services'
- Newer: 'one of the world's leading global money movement platforms' vs. Older: 'digitally native, cross-border payments app'
- Newer: core strengths framework ('trust, network, and scale') vs. Older: four-element differentiated approach
- Newer: 'cross-border payments' vs. Older: 'remittances' in several contexts
- Newer: describes trust through 'reliability, fairness, and security' vs. Older: brand promise of 'peace of mind' with 'trust, reliability, and fair and transparent price'
- Newer: 'pay-in acceptance' terminology vs. Older: 'payment options' and 'partner relationships'
- Newer: emphasizes company evolution 'beyond a remittance company' vs. Older: describes 'expanding its suite of products'
- Notes:
- Older filing excerpt appears truncated at 'Revenue Model' section; full comparison limited to provided text
- Newer filing excerpt also appears to end mid-section; complete MD&A not fully compared
- Text focuses on Overview and early content; later sections of MD&A not assessed
AI-assisted comparison of two SEC filing sections. It describes wording and theme changes only, makes no materiality, legal, or investment judgement, and is not financial advice. Informational only — not financial advice.
Insider activity (SEC Form 4)
0 open-market purchases and 25 open-market sales by insiders in the last 90 days, of which we have read Form 4 filings through 2026-10-04. The 5 days since 2026-10-04 have not been checked yet.
- Last 30 days · read to 2026-10-040 buys · 2 sells ($254375) — 1 selling insider
- Last 90 days · read to 2026-10-040 buys · 25 sells ($30M) — 5 selling insiders
- Last 180 days · read to 2026-10-040 buys · 49 sells ($38M) — 8 selling insiders
Activity heuristic: net selling (a transparent product heuristic from the counts above, not a prediction or advice)
Most recent open-market transaction: 2026-10-07. Based on Form 4 filings read through 2026-10-04; anything filed since is not yet included.
View full insider trading history → View SEC Form 3/4/5 filingsAsk about RELY's insider activity →
Only open-market purchases (SEC code P) and sales (code S) are counted here. Option exercises, vesting/awards, gifts, and shares withheld for taxes are excluded — they are compensation or mechanical, not open-market conviction. Sales may be planned and non-discretionary (e.g. a Rule 10b5-1 plan) and are not necessarily bearish; open-market buying is not a recommendation to buy. Informational only — not financial advice.
Institutional ownership (13F)
5 institutional 13F filers reported holding RELY as of 2026-06-30 (quarter-end position, filed within 45 days).
- Distinct 13F filers 5
- Reported shares held 47,986,569
- Reported value $1,075,379,008
reported quarterly holdings change (2026-03-31 → 2026-06-30): 0 new, 4 increased, 1 decreased, 1 exited. Change counts cover only managers that filed 13F reports in BOTH quarters, derived between two quarter-end snapshots — not same-day trades; a single manager is never said to have "bought" or "sold".
Institutional holdings are quarter-end long positions reported on SEC Form 13F-HR, filed up to 45 days after the quarter ends — they are delayed, are not real-time trades, exclude short positions and most non-US securities, and are not investment advice. Any increase/decrease is a reported change between two quarterly snapshots, not a same-day purchase or sale. These are quarter-end snapshots from the 13F filings on SEC EDGAR, filed within 45 days — not real-time, and any change is a difference between two quarterly reports, not a same-day trade. Informational only — not financial advice.
Ask about RELY's institutional holders → See what each manager we track holds →
Short interest (FINRA)
RELY had 18,265,219 shares of reported short interest as of the 2026-09-15 FINRA settlement date (delayed, bi-monthly; not real-time).
RELY had 8.63% of its shares outstanding sold short as of the 2026-09-15 FINRA settlement date (percent of FLOAT would be higher — float is not disclosed in the source). FINRA reported 4.53 days to cover at the same settlement.
- Reported short interest (shares) 18,265,219
- Short interest (% of shares outstanding) 8.63%
- Prior settlement (shares) 16,952,028
- Reported change 7.75%
- Days to cover (reported) 4.53
Reported to FINRA as of the 2026-09-15 settlement date. Short interest is reported to FINRA and published on a delayed, bi-monthly schedule (as of a settlement date, disseminated roughly eight business days later) — it is NOT real-time, does not cover every venue or all US trading, and is not a short-squeeze prediction or investment advice. Days-to-cover is the value FINRA reports; percent of float is not shown because the source file carries no share-count denominator — where a percent appears it is of shares OUTSTANDING, the larger base, and is therefore a floor on percent of float. Informational only — not financial advice.
Competitors & peers
- Western Union (WU)
- MoneyGram International
- Wise (WISE)
- PayPal (PYPL)
- Block
AI-enriched competitor set. Linked names are companies covered by stocks-llm; other named peers are shown for reference only.
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Frequently asked questions
What does REMITLY GLOBAL INC (RELY) do?
Remitly Global is a digital financial services provider focused on enabling cross-border money transfers for immigrants and their families. The company offers a mobile-first platform that facilitates international remittances through various disbursement methods, including bank deposits, cash pickup, and mobile wallets.
What sector is REMITLY GLOBAL INC (RELY) in?
REMITLY GLOBAL INC (RELY) is classified in the Financials sector. Its industry is Digital Payments / Money Transfer. It trades on NASDAQ.
Who are REMITLY GLOBAL INC's (RELY) competitors?
Notable peers of REMITLY GLOBAL INC (RELY) include Western Union, MoneyGram International, Wise, PayPal and Block. This peer set is informational only — not financial advice.
Is REMITLY GLOBAL INC (RELY) overbought or oversold right now?
REMITLY GLOBAL INC (RELY) is currently neither overbought nor oversold — its 14-day RSI (a 0–100 momentum gauge) is 56, in the neutral middle (as of 2026-10-08). RSI describes recent price momentum, not a forecast — informational only, not financial advice.
Where does stocks-llm's data on RELY come from?
Fundamentals come from SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest; prices are market data, as of 2026-09-02; company filings and profile facts come from SEC EDGAR. All figures are delayed daily-close data shown with their as-of date — informational only, not financial advice.
Fundamentals: SEC XBRL company filings for the figures marked with a fiscal year, and market data, as of 2026-09-02 for the rest. Filings: SEC EDGAR. Prices are delayed daily-close data.
Last updated 2026-10-08.
Informational only — NOT financial advice. All figures are delayed daily-close data from SEC EDGAR & market data, shown with their as-of date.