Stock Ratings / Consumer Discretionary / RELY / dividends

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Remitly Global Inc. (RELY) Dividend Safety Gauge & 10-Year DRIP Compounder

$24.15 -1.99% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $24.12

Remitly Global Inc. (RELY) earns a Roarable Rating of B (Buy) with 72/100 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.

📊 Historical Track Record: Scores of 72/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.0% avg 90D alpha vs SPY • 68.7% hit rate) →

ROARABLE B • BUY Cap $5.22B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

⚡ INSTANT AI QUANT PREVIEW • $0 FREE TIER Click Any Pre-Computed AI Quant Specialist Briefing on RELY Below — or Connect Your Own ChatGPT / Claude

🤖 Mara Quenwick • AI Quant Lead (Click for Instant Brief) Is RELY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

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As of 2026-11-02, Remitly Global Inc. (NASDAQ: RELY) is rated B (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 72/100 at a spot price of $24.15 (-1.99% 1D, market cap $5.22B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 16/20, 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 #106 in composite RQD confidence.

✓ Pre-computed one-to-many AI Quant brief

🤖 Ellis Vennor • AI Peer & Flow Quant (Click for Instant Brief) How does RELY compare to AMTM and MBGL in the Consumer Discretionary sector?

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Within the Consumer Discretionary sector (Business Services), RELY carries a Roarable B (72/100 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 $5.40B) and MBGL (Mobility Global Inc.) posts a D grade (51/100 RQD, P/E 32.8x, ROIC 1.4%, cap $5.58B). Among the 5-stock peer group, EXLS leads on earnings multiple (24.7x) while EXLS leads on capital efficiency (23.4% ROIC).

✓ Pre-computed one-to-many AI Quant brief

🤖 Gideon Ashmere • AI SEC 10-K Forensics (Click for Instant Brief) What are the biggest fundamental strengths and SEC risk factors for RELY?

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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.

✓ Pre-computed one-to-many AI Quant brief

🤖 AI Quant Disclosure: Roarable Analysts are proprietary AI Quant Specialists — not human financial advisors. Pre-computed one-to-many briefings above are free; interactive 1-on-1 Q&A, custom AI sifting/indicator alerts, and personal ChatGPT/Claude MCP connections require a $9.95/mo Pro account (currently waitlist-only).

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $24.12 (-0.12%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 18.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 72/100 (B) historically ranked in the Top 13% of excess returns over the next 90 days (+7.0% avg 90D alpha vs SPY • 68.7% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B

3-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw B · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+6.3% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RELY)Realized 20D OHLCV Swing Band: ±7.3%

Deterministic 5-Pillar Attribution (72/100 Composite)

🔍 WHY RELY SCORES 72/100 (B) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Whale & Options Positioning+16/20 pts (22% of score)

20D Institutional Volume Accumulation (±7.3% realized swing band)

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+16/20 pts (22% of score)

Altman Z-Score 6.91 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution12/20 pts (-8 pt drag)

Cannibal Buyback (-1.24% YoY Shares) & executive Form 4 sales trim 8 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C+$23.54+3.5% Next Q

Q2 (-2Q)

Grade B-$24.36+0.9% Next Q

Q3 (-1Q)

Grade B-$24.57-1.7% Next Q

Current

Grade B$24.15+7% Hist 90D α

Trajectory: C+ (64) → B (72)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the RELY Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 72/100 (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.

⚠️ Forensic Kill-Switch #1

Priced at 77x earnings—high expectations leave less room for a lukewarm quarter.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($23.74) or 200D SMA ($20.59) invalidates the momentum regime and cuts Target Base ($25.67) toward Bear Floor ($19.80).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RELY• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “RELY Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 72%NO 28%Trade / Inspect Odds →

CASH DIVIDEND + BUYBACK YIELD

1.8% Total Yield

0% Cash ($0.00/yr) + 1.8% Buybacks

PAYOUT SAFETY SPEEDOMETER

74/100 • REINVESTING IN GROWTH + BUYBACKS

FREE CASH FLOW PAYOUT RATIO

0% (100% Reinvested)

Retains cash flow for R&D and share repurchases

INTERACTIVE DRIP & SHAREHOLDER-YIELD COMPOUNDER (16.3% EST. ANNUAL)

$10,000 Compounded Over 10 Years → $45,269

Est. Year-10 Shareholder Yield: $815/yr

Starting Investment: $10,000

Compounding Horizon: 10 Years

$11.6K

Yr 1

$13.5K

Yr 2

$15.7K

Yr 3

$18.3K

Yr 4

$21.3K

Yr 5

$24.7K

Yr 6

$28.8K

Yr 7

$33.5K

Yr 8

$38.9K

Yr 9

$45.3K

Yr 10

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Cash-Flow & Quality Compounder Desk

Cash-Fortress Compounders: Auditing Free Cash Flow & Yield Safety in RELY & A-Rated Leaders

✓12-month Bull/Base/Bear fair-value walkthrough on RELY and its top sector peer
✓Top Roarable A-Rated cash compounders with verified executive & 13F accumulation
✓Includes nightly RQD rating-change & forensic signal email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

RELY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +1.56%📐 HORIZONTAL RANGE

2026-11-02O $24.27H $24.64L $24.15C $24.15VOL 1.56M

RES: $29.42SUP: $17.56SMA50: $23.74SMA200: $20.59

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RELY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 RELY Butterfly Map → + Track RELY →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

48.0%/yr Implied 5Y Growth

vs. +29.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on RELY today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for RELY. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for RELY today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RELY)

Consumer Discretionary Rank #106 of 1011 ⚔️ AMTM vs RELY Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (RELY vs. AMTM, MBGL, XMTR, EXLS)

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Remitly Global Inc. (RELY) ranks #106 by composite RQD confidence (72/100, grade B) and #264 by equity capitalization ($5.22B). Within this direct 5-issuer industry benchmark cohort, EXLS leads on earnings valuation at 24.7x trailing P/E, while EXLS leads on capital efficiency and profitability with 23.4% ROIC and 38.4% gross margin. EXLS currently holds the highest overall quantitative score in the immediate peer group at 87/100 (A) compared with RELY at 72/100 (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	72/100	76.8x	—	12.7%	-1.99%	$5.22B	Benchmark Subject
AMTM Amentum Holdings Inc.	D+	55/100	81.8x	10.5%	4.6%	-0.91%	$5.40B	/amtm-vs-rely →
MBGL Mobility Global Inc.	D	51/100	32.8x	—	1.4%	-0.05%	$5.58B	/mbgl-vs-rely →
XMTR Xometry Inc.	D+	52/100	—	39.1%	-7.8%	-7.11%	$5.78B	/xmtr-vs-rely →
EXLS ExlService Holdings Inc.	A	87/100	24.7x	38.4%	23.4%	+0.75%	$6.20B	/exls-vs-rely →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001782170

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	—	—

3. RELY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RELY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

How does RELY compare to AMTM and MBGL in the Consumer Discretionary sector?

What are the biggest fundamental strengths and SEC risk factors for RELY?

Where is RELY trading relative to its 50-day, 200-day, and 52-week technical levels?

RELY last traded at $24.15 (-1.99% on volume of 1,928,321 shares), positioning the stock +1.73% above its 50-day simple moving average ($23.74) and +17.29% above its 200-day simple moving average ($20.59). Across its 52-week range of $12.08 to $27.48, RELY sits at the 78.4% percentile with a 14-day RSI of 55.9 (BULLISH MOMENTUM) and an implied next-earnings move of ±7.3% ($22.39 to $25.91).

RELY Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Does RELY pay a dividend and is it safe?

Remitly Global Inc. (RELY) offers a 0% cash dividend yield ($0.00 annualized) and 1.8% total shareholder yield including buybacks. Roarable rates its payout coverage as REINVESTING IN GROWTH + BUYBACKS.

Direct Sub-Reports: RELY RQD Cockpit RELY 12M Forecast RELY Earnings & Move RELY Dividends & DRIP RELY Insiders & 13F RELY Whale Options RELY Profit Sankey RELY News & Why

ROARABLE RATING BRIEF • RQD 72/100 (B) ✓ STAGE-C NUMBER FIREWALL VERIFIED

RELY — Remitly Global Inc.: What the Facts Mean to a Prospective Investor

Engine: anthropic/claude-haiku-5.5

As of: 2026-11-02T15:20:36Z

Roarable Rating Brief: What This Means to a Prospective Investor

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:

Fundamental Cash Engine: 15 / 20. Per the Roarable RQD rating, this pillar reflects ROIC of 12.7% and an FCF yield of 5.67%. For a prospective investor, this indicates the business is generating a meaningful return on invested capital and positive free cash flow relative to its market value, though the score stops short of the top band.
Whale 13F Flow: 16 / 20. Per the Roarable RQD rating, this pillar reflects institutional accumulation and options positioning. The score suggests institutional sponsorship is supportive, but the underlying 13F holder detail is not available in the source data.
Insider Conviction: 12 / 20. Per the Roarable RQD rating, this pillar reflects SEC Form 4 and Congressional PTR cluster flow. This is the weakest-scoring pillar among the forensic and flow measures, implying insider and congressional signaling is only moderately supportive.
Macro Regime Fit: 13 / 20. Per the Roarable RQD rating, this pillar reflects a Beta of 1.0 and sector sensitivity. A Beta of 1.0 means the stock is, per the source, expected to move in line with the broader market, so macro regime shifts would be expected to affect it roughly one-for-one.
Forensic Balance Sheet: 16 / 20. Per the Roarable RQD rating, this pillar reflects an Altman Z-Score of 6.91, a Piotroski F-Score of 8/9, and a Debt/Equity of 0.18. These are strong readings that point to low financial distress risk and a conservatively levered balance sheet.

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.

Snapshot

Price	Market Cap	P/E (TTM)	Forward P/E	EV/EBITDA	EPS (TTM)	Dividend Yield	Beta	52-Wk Range	ROIC %
24.64	$5.22B	76.8	64.5	47.1	0.32	0%	1.0	$12.08 - $27.48	12.7%

Business

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.

Recent Catalysts & News Wire Analysis

Yahoo Finance (GREEN, CATALYST): Coverage of strong quarterly profit and bullish analyst ratings.
Seeking Alpha (YELLOW, MARKET WIRE): Commentary characterizing the company as fast-growing at an attractive valuation.
ChartMill (GREEN, CATALYST): Commentary on growth alongside a technical setup.
TradingView (YELLOW, MARKET WIRE): Estimates coverage.
Yahoo Finance (YELLOW, MARKET WIRE): Quarterly peer comparison against financial technology stocks.
MarketBeat (YELLOW, MARKET WIRE): Report that the stock broke below its 50-day moving average.

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.

Butterfly Effect: 2nd-Order Supply-Chain & Sector Ripples

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.

Open Questions

What drove the shift from a FY 2024 net loss of $-37.0M to a FY 2025 net income of $67.9M, and how much is recurring?
Why do the EPS fields show "N/A" for every period when EPS (TTM) is reported as 0.32?
What is the composition of the new $155.0M debt balance in FY 2025, and what are its terms?
Who are the institutional holders and insiders behind the 13F and Form 4 signals scored in the RQD pillars, given that the holders section is empty?
What products, customers, and revenue drivers underlie the revenue growth, given the gross margin is reported as 0%?

RELY Live News Feed, Press Releases & Catalyst Wire

Real-time company headlines, analyst actions, and sector developments for Remitly Global Inc. (RELY) • Click "Debate This Headline" to argue it in the Roar Pit below

💬 Jump to RELY Debate Forum (3) ↓

🟢 CATALYST Yahoo Finance • 15h ago

How Investors May Respond To Remitly Global (RELY) Strong Quarterly Profit And Bullish Analyst Ratings

Yahoo Finance report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Seeking Alpha • 18h ago

Remitly Global: A Fast-Growing Business At An Attractive Valuation (NASDAQ:RELY)

Seeking Alpha report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟢 CATALYST ChartMill • 21h ago

Remitly Global Inc (NASDAQ:RELY): Strong Growth Meets a High-Quality Technical Setup

ChartMill report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE TradingView • 1d ago

Remitly Global, Inc. Estimates – NASDAQ:RELY

TradingView report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Yahoo Finance • 1d ago

Winners And Losers Of Q2: Remitly (NASDAQ:RELY) Vs The Rest Of The Financial Technology Stocks

Yahoo Finance report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE MarketBeat • 1d ago

Remitly Global (NASDAQ:RELY) Stock Breaks Below 50-Day Moving Average - What's Next?

MarketBeat report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Simply Wall St • 1d ago

Remitly Global (NasdaqGS:RELY) Stock Forecast & Analyst Predictions

Simply Wall St report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🟡 MARKET WIRE Stock Titan • 1d ago

After Remitly reports results Nov. 4, management will take questions on a live call.

Stock Titan report covering Remitly Global Inc. (RELY) market action, institutional positioning, and fundamental catalysts.

Read Full Source ↗

🔥 THE ROAR PIT • LIVE COMMUNITY DEBATE 3 Active Posts & Replies

RELY Bull vs. Bear Conversation Board — What's Your Call at $24.15?

🐂 67% BULLISH CONVICTION COMMUNITY TUG-OF-WAR ON RELY 🐻 33% BEARISH CONVICTION

RO RoarDesk_Moderator Roarable Research Desk 🐂 BULLISH 🎯 Target: $29.08 (+18.0%)

📌 Pinned Debate

🔥 Official Bull vs. Bear Debate: Is RELY (B • RQD 72/100) a Buy at $24.64?

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.

MU MultipleCompression Forensic Accounting Watch 🐻 BEARISH 🎯 Target: $19.22 (-22.0%)

Spot @ $24.64

Pump the brakes on RELY — check the valuation vs. margin headwinds

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.

MA MacroHawk_NYC Verified K Arena Trader 🐂 BULLISH 🎯 Target: $29.57 (+20.0%)

Spot @ $24.64

RELY cash flow & RQD setup is being underpriced by the Street here

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.