Company Analysis

Remitly Global, Inc. (RELY)

Nasdaq: RELY · Services-Business Services, NEC · Seattle, WA · filing with the SEC since 2019
Grade6.0
◀ Past 5.7● Present 5.1▶ Future 6.9

The grade of Remitly Global, Inc.

Nine metrics read from its own filings, by tense
Headline grade
6.0/10
◀ Past5.725% of the headline
● Present5.135% of the headline
▶ Future6.940% of the headline

All three tenses have at least two readings, so the archetype blend applies as printed.

All nine metrics read as filed from the record.

◀ Past

What did they actually do?

5.7/1025% of the headline grade · 3 of 3 filed

Surviving crises

as filed
8.0/10

Has it survived what it has been through?

No warning events in its filings since 2019.

weight 22% of this tense · 80th percentile among 105 sector filers · read for itself

From the record

Remitly Global, Inc.'s filings since 2019 show no warning events in the scan: no bankruptcy or receivership notice, no debt default notice, no exchange listing notice, no restatement warning, no auditor change, no material cyber incident and no late-report notice (its current reports).

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Track record

as filed
7.1/10

What has it actually done, year after year?

+53.2% a year over 7 filed years; profitable in 1 of 7.

weight 45% of this tense · 71st percentile among 99 sector filers · read for its customers

From the record

Remitly Global, Inc.'s 7 filed years say what it did: revenue went from $127 million in fiscal 2019 to $1.6 billion in fiscal 2025, up 53.2% a year; it rose in 6 of 6 years; it never fell from a peak; net income was positive in 1 of 7 of those years (its annual reports).

What it rests on

  • revenue growth over the filed span53.2%top 7% of its family
  • the share of years revenue rosetop 18% of its family
  • the share of filed years with a profitbottom 27% of its family
  • the deepest fall from a revenue peak0.0%top 18% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Shareholder treatment

as filed
2.4/10

How has it treated the people who own it?

Share count grew 9.0% a year. 5% of cash flow returned. Insiders: 73 sales, 0 purchases.

weight 33% of this tense · 23rd percentile among 70 sector filers · read for its shareholders

From the record

Over the 3 fiscal years to 2025-12-31, Remitly Global, Inc.'s diluted share count grew about 9.0% a year, and dividends and buybacks returned about 5% of its operating cash flow over 3 years (its filed statements). Its officers and directors filed 73 sales (57 under scheduled 10b5-1 plans) and 0 purchases of their own stock on the open market in the year to 2026-11-12 (their Form 4 filings).

What it rests on

  • the share count over the yearsbottom 20% of its family
  • cash returned against operating cash flowbottom 27% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

● Present

What are they doing right now?

5.1/1035% of the headline grade · 3 of 3 filed

Financial health

as filed
4.9/10

Is it financially healthy right now?

ROE 8%: 8¢ of profit per shareholder dollar. Leverage 40%: owes 40¢ per asset dollar.

weight 33% of this tense · 49th percentile among 98 sector filers · read for itself

From the record

Return on equity: in the fiscal year ended 2025-12-31, Remitly Global, Inc. earned about 8 cents of profit for every dollar of shareholders' money. Leverage: it owed about 40 cents per dollar of assets, and net share issuance: its share count grew 11.8% over the year (the filed statements).

What it rests on

  • what it owes per dollar of assetstop 27% of its family
  • return on equitytop 44% of its family
  • the share count against the year beforebottom 19% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Industry position

as filed
6.5/10

How strong is its position in its industry?

top 35% of 101 in its family; net margin 4.2%.

weight 45% of this tense · 65th percentile among 101 sector filers · read for its customers

From the record

Remitly Global, Inc.'s standing among 101 graded names in its industry family: revenue of $1.6 billion in fiscal 2025 ranks in the top 43% by size; a net margin of 4.2% ranks in the top 50%; revenue growth of 35.7% a year over the last 3 filed years ranks in the top 11% (its annual reports).

What it rests on

  • revenue against the family$1.64Btop 43% of its family
  • net margin4.2%top 50% of its family
  • three-year revenue growth35.7%top 11% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Leadership

as filed
2.6/10

What are the people in charge doing?

bottom 26% of 65 in its family for leadership; chief executive since 2026.

weight 22% of this tense · 26th percentile among 65 sector filers · read for its shareholders

From the record

Remitly Global, Inc.'s leadership, from its insiders' filings and its current reports: the chief executive on the record is Gunningham, Sebastian J (Chief Executive Officer, as filed), filing under that title since 2026-02-23, 9 months (bottom 13% of its family); the 17 officers and directors filing in the last fifteen months have been on the record a median of 3.6 years (bottom 23%); 9 officer or director changes were reported on Form 8-K since 2023-11-13, against the 17 people in charge now (bottom 42%; fewer changes for each person reads higher) (the Form 4 record, its Form 8-K reports). Years count from a person's first filing in the SEC's data sets, which begin in 2006, so each is a floor.

What it rests on

  • officer and director changes on Form 8-K, against the people in charge9 in three years among 17 peoplebottom 42% of its family
  • the median years the people in charge have filed3.6 yearsbottom 23% of its family
  • the chief executive's years on the record8 monthsbottom 13% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

▶ Future

What are they set up to do next?

6.9/1040% of the headline grade · 3 of 3 filed

Room to expand

as filed
7.5/10

How much room does it have to grow?

top 25% of 99 in its family for room to expand.

weight 33% of this tense · 75th percentile among 99 sector filers · read for itself

From the record

Remitly Global, Inc.'s room to grow, from the newest filed statements (fiscal 2025): cash of $544 million against debt of $155 million leaves 26.7% of its assets as net cash, top 17% of its family; cash from operations less capital spending is 18.1% of revenue (top 28%); research spending of 19.2% of revenue (top 29%) (its annual report).

What it rests on

  • cash less debt against assets26.7%top 17% of its family
  • cash from operations less capital spending against revenue18.1%top 28% of its family
  • research spending against revenue19.2%top 29% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Growth drivers

as filed
7.0/10

What could actually drive growth from here?

top 30% of 99 in its family for growth drivers.

weight 45% of this tense · 70th percentile among 99 sector filers · read for its customers

From the record

Remitly Global, Inc.'s growth drivers, from the filed years to fiscal 2025: revenue grew 35.7% a year over the last three filed years against 53.2% over all 7, slowing (bottom 18% of its family); the newest year grew 29.4% (top 17%); research spending grew 31.3% a year (top 13%); capital spending grew 100% a year (top 9%) (its annual reports). Remitly Global, Inc. tags no split of its revenue by line in the annual report on file, so growth by line cannot be read here; research and capital spending are on the trend.

What it rests on

  • three-year growth against the whole span-17.4 points a yearbottom 18% of its family
  • the newest year's revenue growth29.4%top 17% of its family
  • three-year growth of research spending31.3%top 13% of its family
  • three-year growth of capital spending100.0%top 9% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

Expectations vs reality

as filed
5.8/10

Did its newest year beat what its own record pointed to?

top 42% of 93 in its family for expectations against reality.

weight 22% of this tense · 58th percentile among 93 sector filers · read for its shareholders

From the record

Remitly Global, Inc.'s newest year against its own record: revenue of $1.6 billion in fiscal 2025 came in 7% below the $1.8 billion its prior three years' pace pointed to (bottom 23% of its family); net income of $68 million against a prior three-year average of $90 million (top 18%); a net margin of 4.2% against -11% before (top 31%) (its annual reports).

What it rests on

  • revenue against the prior three years' pace-7.0%bottom 23% of its family
  • net income against the prior three years' average+176%top 18% of its family
  • net margin against its prior average+15.1 pointstop 31% of its family

A production reading, recomputed from the filings on every data build, read from EDGAR Nov 13, 2026.

The grade is the company against its own industry, from its filings. It is not a view on the share price. How the grade is made

SI Assistanton RELY · research, not advice