Remitly Global, Inc. — Software - Infrastructure. Scored on the same transparent model behind the daily rankings.
★
RELY
Remitly Global, Inc. · Software - Infrastructure
FCF$388mC
Rev+23.8%A-
D/E0.03A-
P/E16.6xA-
PEG0.57A-
81.6Score
$23.14$4.9B
1Y Target$31.89Analyst consensus · 9 analysts
5Y Target$40.26Compound horizon
10Y Target$51.63Long-dated conviction
FCF$388mTTMC
FCF $388m — modest; watch for margin expansion
Rev+23.8%TTM YoYA-
Revenue +23.8% — strong growth, well above S&P median (~7%)
D/E0.03A-
D/E 0.03 — less debt than most Technology peers (≈25th pctile)
P/E16.6xA-
P/E 16.6 — cheaper than most Technology peers (≈25th pctile)
PEG0.57proxyA-
PEG 0.57 — strong; Lynch's preferred zone · PEG proxy: P/E ÷ revenue growth % (true PEG requires forward EPS estimates, not in Finnhub free tier).
Forward price target — the 1-year figure is the analyst consensus where the stock is covered; the 5- and 10-year figures compound our earnings estimate from there. The DCF below is a separate cross-check on intrinsic value (what it's worth today), not another target.
Quality-growth score · 81.6
Quality0.71
Growth0.97
Value0.79
Why this score
Diluting shareholders
Entry · Margin of safety
52-week rangeNear 52-week high
15% off the 12-month high
vs DCF fair value3% aboveest. fair value ~$22
What the price assumes: free cash flow compounding at ~-1% a year for the next decade — vs the ~-5% a year our model projects from current growth and analyst estimates.
Quality signals · context only
ROIC12.0% · Breturn on invested capital — not score-weighted
Model-generatedGenerated by the Bull Rankings model from this company's reported fundamentals, and checked against the figures shown above.
Why now
Remitly’s mobile‑first cross‑border payment platform is exploding in the US‑Canada diaspora corridor, delivering 23.8% YoY revenue growth, a rock‑solid 16.9% profit margin and an eye‑popping 27.1% ROE while staying ultra‑levered (Debt/Equity 0.03). Our Bull Rankings model flags Growth as its strongest pillar (97) and the 10‑Q shows the business compounding cash‑rich earnings at a rate that far outpaces peers, making the stock a high‑quality growth engine. The whole thesis hinges on that revenue‑growth engine staying alive and accelerating cash conversion.
Moat
Remitly’s moat lives in its entrenched diaspora network and frictionless mobile app that lock in repeat transfers; each user’s switching cost is the time and trust built into the platform. That stickiness fuels the 27.1% ROE, which stems from pricing power as the go‑to service for fast, low‑cost remittances in a market where alternatives still rely on legacy banking corridors.
Risk
The Bull Rankings model flags diluting shareholders, and the reverse‑DCF shows today’s price implying a -1% annual free‑cash‑flow growth over the next decade – a stark mismatch to the 23.8% revenue surge. If the remittance wave stalls or competition forces pricing pressure, the P/E of 16.6 will look stretched and the dilution will erode per‑share earnings, confirming the bear case.
Horizon
1-3 yr $31.89 (9-analyst consensus) — multiple re-rating thesis requires a catalyst. 5 yr $40.26 at ~12% CAGR — dividend + buyback compounding. 10 yr $51.63 if the moat survives secular pressure.
Not investment advice. The Bull Rankings publishes a quantitative ranking model and accompanying analysis for general informational purposes only. Nothing on this page is a recommendation to buy, sell, or hold any security; nothing is personalized to your circumstances, risk tolerance, or tax situation. Investing carries the risk of loss — invest at your own risk and consider consulting a licensed financial professional before acting on anything you read here. See terms and methodology for full disclosures.
RELY vs the Top Picks average
Pillar
RELY
Book avg
Diff
Quality
0.71
0.83
-0.12
Growth
0.97
0.91
+0.06
Value
0.79
0.76
+0.02
Averaged across the 30 names in today's Top Picks (mean score 82.8). A name can beat these averages and still be absent from the book — it also applies concentration limits.
Score history · RELY
Trend
+15.6 over 38 daily scores
From 66.0 (Jun 22) → 81.6 (now)
One point per daily model run. The range autoscales, so a flat-looking line can still hide 1–2 point moves — read the From → To values for the actual range.
Position sizing · RELY
$
%
%
Shares to buy
86
Position size
$1,990
4.0% of portfolio
Stop price
$17.36
25% below $23.14
$ at risk if stopped
$497.51
budget $500.00 · 1% of portfolio
Math only — share count is floor(portfolio × risk% ÷ (price × stop%)). Doesn't account for commissions, slippage, gap risk, or position-correlation across your book. Inputs persist locally; never sent to the server. Not investment advice.
Remitly Global, Inc. (RELY): score, valuation & FAQ
Remitly Global, Inc. (RELY) is a Software - Infrastructure company that scores 81.6 out of 100 on the Bull Rankings quality-growth model — a strong reading. The score blends three pillars — quality (durable returns, healthy margins, low leverage), growth (revenue and earnings), and value (valuation versus sector peers) — into one number, refreshed daily; it is a screen, not a buy recommendation.
Its strongest graded signals are Rev (A-), D/E (A-) and P/E (A-). On valuation, RELY sits about 3% above our discounted-cash-flow fair value — the current price implies roughly -1% annual free-cash-flow growth over the next decade.
Is RELY a good stock to buy?
Bull Rankings scores RELY 81.6 out of 100 on its quality-growth model, which is a strong reading. That is driven by Rev (A-), D/E (A-) and P/E (A-). A score is a quantitative screen of Remitly Global, Inc.'s fundamentals, not personalised financial advice — weigh it against your own time horizon and risk tolerance, and read the risk factors below before acting.
Why does RELY score 81.6 on Bull Rankings?
The quality-growth score blends three pillars — quality (returns on capital, margins, leverage, earnings quality), growth (revenue and earnings expansion), and value (valuation versus sector peers). RELY earns its highest marks on Rev (A-), D/E (A-) and P/E (A-). Each pillar is graded against sector-aware thresholds, then combined into the single 0–100 score.
Is RELY overvalued or undervalued?
Based on $23.14, RELY sits about 3% above our discounted-cash-flow fair value — the current price implies roughly -1% annual free-cash-flow growth over the next decade. It trades at a 16.6x× P/E (graded A-). Discounted-cash-flow estimates are sensitive to growth and discount-rate assumptions, so treat this as a cross-check, not a price target.
What are the main risks of investing in RELY?
The Bull Rankings model flags diluting shareholders, and the reverse‑DCF shows today’s price implying a -1% annual free‑cash‑flow growth over the next decade – a stark mismatch to the 23.8% revenue surge. If the remittance wave stalls or competition forces pricing pressure, the P/E of 16.6 will look stretched and the dilution will erode per‑share earnings, confirming the bear case.
Bull Rankings is an automated fundamentals screen for research and education. It is not investment advice, and nothing here is a recommendation to buy or sell any security. Do your own research and consider consulting a licensed financial adviser.