What is RELY's 12-month price target and RQD AI Jury consensus?

RELY's 12-month base price target is $26.71 (range $20.78 to $31.52), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Stock Ratings / Consumer Discretionary / RELY

AMTM (55) XMTR (50) MBGL (50) WEX (56) ⌘ Pro Terminal →

Remitly Global Inc. (RELY) — RQD Stock Rating Cockpit

Q: Should I buy, hold, or sell RELY stock right now?

Remitly Global Inc. (RELY) currently earns a Roarable Rating of B- (Buy — BUY) with 70/100 RQD Confidence. High-quality cash engine (steady margins, 13% return on capital) with steady institutional support.

$25.34 +4.91% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $25.62

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.

ROARABLE B- • BUY Cap $5.11B

📤 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 2026-11-03, 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 $25.34 (+4.91% 1D, market cap $5.11B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 14/20, SEC Balance-Sheet Forensics 16/20, FRED Macro Regime Fit 13/20, and Executive Insider Alignment 12/20. Across 1009 tracked Consumer Discretionary issuers, RELY ranks #150 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 XMTR in the Consumer Discretionary sector?

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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).

✓ 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: $25.62 (+1.12%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 18.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 70/100 (B-) historically ranked in the Top 15% of excess returns over the next 90 days (+6.6% avg 90D alpha vs SPY • 68.1% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERBUY • B-

2-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 C+ · Rk B

Each axis scored 0–20

12M PRICE TARGET CONE+5.4% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RELY)Realized 20D OHLCV Swing Band: ±7.1%

Deterministic 5-Pillar Attribution (70/100 Composite)

🔍 WHY RELY SCORES 70/100 (B-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+16/20 pts (23% of score)

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

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 18.1% FCF Margin ($295.7M FCF) & 52% Gross Margin

▼ #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+$23.76+3.2% Next Q

Q2 (-2Q)

Grade C+$24.51-1.2% Next Q

Q3 (-1Q)

Grade B-$24.21+4.7% Next Q

Current

Grade B-$25.34+6.6% Hist 90D α

Trajectory: C+ (62) → B- (70)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 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.

⚠️ 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 ($23.69) or 200D SMA ($20.64) invalidates the momentum regime and cuts Target Base ($26.71) toward Bear Floor ($20.78).

🎲 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 70%NO 30%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

51.430 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

6.91>3.0 Fortress Safe

PIOTROSKI F-SCOREHIGH QUALITY (7–9)

8 / 99-Pt Accounting

52-WEEK LASER RANGE86% OF RANGE

L: $12$25.34H: $27

1. Money & Cash Health● HEALTHY

Are profits real cash in the bank?

Real cash coming in backs up reported profits (steady margins and healthy balance-sheet cushion).

Factor Grade: BRQD 15 / 20

2. Big Money & Insiders● NEUTRAL

Are whales & executives buying or selling?

Big funds and company insiders are mostly holding steady without aggressive buying or panic selling.

Factor Grade: CRQD 26 / 40

3. Hidden Risks & Market Weather● ALL CLEAR

SEC fine-print scan & interest-rate fit

Clean SEC fine-print check with low hidden accounting risk and favorable interest-rate weather.

Factor Grade: BRQD 29 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bullish on RELY

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BULLISH (75)

12.7% ROIC with 42.0% gross margin and 5.67% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

BULLISH (80)

Altman-Z 6.91 and Piotroski 8/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

NEUTRAL (65)

26/40 institutional & smart-money positioning score with 13/20 macro alignment.

Bull Case: Why Buyers Like RELY

✓Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.
✓Clean SEC annual filing review with no major hidden accounting time-bombs.

Bear Case: What Could Go Wrong

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

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (RELY Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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

RELY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +6.56%📐 HORIZONTAL RANGE

2026-11-03O $24.64H $25.34L $24.15C $25.34VOL 1.93M

RES: $29.45SUP: $17.49SMA50: $23.69SMA200: $20.64

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

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

Reverse-DCF Expectations Hurdle

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

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 #150 of 1009 ⚔️ AMTM vs RELY Full Matrix →

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

Industry: Business Services (88 Tracked Issuers)

Across 1009 tracked Consumer Discretionary securities in the Roarable RQD universe, Remitly Global Inc. (RELY) ranks #150 by composite RQD confidence (70/100, grade B-) and #263 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%	+4.91%	$5.11B	Benchmark Subject
AMTM Amentum Holdings Inc.	D+	55/100	81.8x	10.5%	4.6%	+2.74%	$5.35B	/amtm-vs-rely →
XMTR Xometry Inc.	D	50/100	—	39.1%	-7.8%	+1.97%	$5.37B	/xmtr-vs-rely →
MBGL Mobility Global Inc.	D	50/100	32.8x	—	1.4%	+3.65%	$5.58B	/mbgl-vs-rely →
WEX WEX Inc.	D+	56/100	20.6x	40.4%	13.6%	+0.14%	$6.07B	/wex-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 XMTR 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 $25.34 (+4.91% on volume of 3,701,509 shares), positioning the stock +6.96% above its 50-day simple moving average ($23.69) and +22.77% above its 200-day simple moving average ($20.64). Across its 52-week range of $12.08 to $27.48, RELY sits at the 86.1% percentile with a 14-day RSI of 51.4 (NEUTRAL RANGE) and an implied next-earnings move of ±7.1% ($23.54 to $27.14).

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 70/100 (B-) ✓ SEC XBRL & RQD VERIFIED

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

Methodology: RQD v6.2 Deterministic 5-Pillar & SEC XBRL Audit

Updated: 2025-12-31

1. Roarable Rating Brief: What This Means to a Prospective Investor

Remitly Global Inc. (RELY) earns a live Roarable RQD composite score of 70/100, corresponding to a B- letter grade (Roarable Buy) at a spot price of $25.34 (+4.91% 1D, market capitalization $5.11B).

Fundamental Cash Engine (15/20): Anchored by return on invested capital (ROIC) of 12.7%, gross margin of —, operating margin of 4.7%, and free cash flow yield of 5.67%.
Whale 13F & Options Flow (14/20) + Insider Conviction (12/20): Tracks institutional 13F accumulation, CBOE options call/put positioning, and SEC Form 4 / Congressional PTR filings.
Macro Regime Fit (13/20) + Forensic Balance Sheet (16/20): Incorporates a 1.00x equity beta, Altman Z-Score of 6.91, Piotroski F-Score of 8/9, and Debt/Equity of 0.18x.

2. Business Model, Unit Margins & SEC Financial Trajectory

Remitly Global Inc. Is a NASDAQ-listed company classified in the Consumer Discretionary sector and the Business Services industry,. 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.

In its latest audited SEC EDGAR 10-K filing for FY2025 (filed 2025-12-31), Remitly Global Inc. (RELY) reported $1.64B in annual revenue (up from $1.26B in FY2024, +29.4% YoY) and $67.9M in GAAP net income. Over the multi-year SEC filing window from FY2023 ($944.3M revenue, -$117.8M net income) through FY2025, RELY scaled operating cash flow to $325.1M and free cash flow to $295.7M, backed by $1.46B in total assets against $155.0M in total debt.

3. Institutional Bull vs. Bear Thesis & Valuation Tradeoff

🐂 Primary Bull Case (B- • RQD 70/100): Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks. Clean SEC annual filing review with no major hidden accounting time-bombs. With Fundamental Cash Engine at 15/20 and Institutional Whale Flow at 14/20, sustained execution supports upside toward the upper end of the $12.08 – $27.48 52-week range.
🐻 Primary Bear Case & Valuation Risk: Priced at 77x earnings—high expectations leave less room for a lukewarm quarter. Investors must weigh 76.8x trailing P/E and 47.1x EV/EBITDA against 4.7% operating margins and a 1.00x macro beta.

4. 2nd-Order Butterfly Ripples & Key Questions to Watch

Sector and industry are Consumer Discretionary and Business Services. A prospective investor should note this as a limitation of the available data rather than an absence of risk.

Key Question #1: Can RELY sustain or expand its 4.7% operating margin and 12.7% ROIC against Business Services peers over the next 4 quarters?
Key Question #2: Following FY2025 revenue of $1.64B and free cash flow of $295.7M, how will capital allocation balance growth reinvestment against $155.0M in total debt?
Key Question #3: How sensitive is RELY's 64.5x forward P/E multiple to Consumer Discretionary capital spending cycles and macro interest-rate shifts (Beta 1.00x)?

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 • 21h 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 • 1d 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 • 1d 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 $25.34?

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

MA MacroHawk_NYC RQD DEBATE OPENER • Cross-Asset Macro Desk 🐂 BULLISH 🎯 Target: $30.67 (+27.0%)

📌 Pinned Debate

Revenue rose from $944.3M in FY 2023 to $1.64B in FY 2025 while free cash flow reached $295.7M, with an Altman Z-Score of 6.91 and Pi

Revenue rose from $944.3M in FY 2023 to $1.64B in FY 2025 while free cash flow reached $295.7M, with an Altman Z-Score of 6.91 and Piotroski F-Score of 8/9.. When you look under the hood at RELY, Fundamental Cash Engine is 15/20 with 0.0% gross margins and 12.7% ROIC. Bears are staring in the rearview mirror while institutional 13F flow (14/20) has been quietly accumulating below $27.48. My 12M target is $30.67.

ArenaChamp_24 🐂 BULL

@ShortSeller_Dan Fair point on 76.8x trailing P/E, but you're ignoring the forward operating leverage in Business Services. If gross margin (0.0%) holds, EPS grows into the multiple faster than bears think.

SH ShortSeller_Dan RQD DEBATE OPENER • Forensic Short Bias 🐻 BEARISH 🎯 Target: $20.77 (-14.0%)

Spot @ $24.15

Trading at a P/E (TTM) of 76.8 and EV/EBITDA of 47.1 with Beta of 1.0, and the stock reportedly broke below its 50-day moving average.

Fading this rally in RELY at $24.15. Trading at a P/E (TTM) of 76.8 and EV/EBITDA of 47.1 with Beta of 1.0, and the stock reportedly broke below its 50-day moving average.. With a beta of 1.0 and the stock sitting at $24.15 (52-wk range $12.08–$27.48), the easy multiple expansion is already priced in.