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Stock Ratings / Consumer Discretionary / RELY / insiders
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Remitly Global Inc. (RELY) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$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-
025507510070
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
Cash (15)Whales (14)SEC (16)Macro (13)CEO (12)
Each axis scored 0–20
12M PRICE TARGET CONE+5.4% Base Target
$32 Bull$27 Base$21 Bear
📬 FREE RELY RATING-CHANGE & BRIEFING ALERTSManage / Unsubscribe
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)
62
Grade C+$23.76+3.2% Next Q
Q2 (-2Q)
65
Grade C+$24.51-1.2% Next Q
Q3 (-1Q)
67
Grade B-$24.21+4.7% Next Q
Current
70
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 →
SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

RELY Smart-Money Thermometer: BALANCED INSTITUTIONAL POSITIONING

Explore All 13F & Congress Whales →
▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (RELY)

No recent open-market Form 4 cluster sales or emergency dumps flagged on RELY. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

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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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
$28.28$24.97$21.65$18.34$15.02RES $29.45SUP $17.49$25.342026-05-042026-06-172026-08-042026-09-182026-11-03
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?

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.

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

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).

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

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.

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) ↓
🔥 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
1. Pick Your Side on RELY:
💡 Tip: Back up your call with a price target or RQD metric to get upvoted to the top.
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.

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