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RELY

Remitly GlobalC
Nasdaq / Financial Services
Last Price
Quote time unavailable
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Current thesis
Primary company materials support a constructive post-earnings read: record Q1 revenue, materially higher profitability, raised full-year outlook, strong cash generation, and active buyback execution all argue that Remitly's margin and scale story is improving [#8-K-2026-05-06] [#10-Q-2026-05-06]. However, the available packet does not provide broad post-print analyst revision evidence, so the bull case still depends on follow-through in estimates and another clean operating update.
Posture
Mixed
Lead driver
Sentiment
What changed
3 setup hits (3d) with net bullish as of 2026-10-24.
What can break
Competition and pricing pressure in cross-border money movement could compress transaction economics even if send volume stays healthy [#10-Q-2026-05-06].
Momentum
90
Value
46
Sentiment
50
Setup hits (3d)
3 · Net Bullish
AI TargetsBase $23.00 · Bull $27.00 · Bear $17.50Analysis 2026-05-08; returns require an exact persisted reference.
Data freshness
Prices
Unavailable: Price unavailable
Fundamentals
As of 2026-10-23 • Vendor: Data Vendor v1
Scores
As of 2026-10-23 • Model: HYBRID_IC_RP
AI Memo
As of 2026-05-08 • Model: RankAlpha Sentiment Codex
Investment thesis
As of 2026-10-23

Grade is the composite factor band; factor scores use a 0–100 scale. Confidence describes evidence quality, not a probability of return. Score date: 2026-10-23. Definitions

Supporting evidence
What
Grade C · Mixed
Confidence Medium · Net Bullish
Target $31.95
Why
Momentum90 · Δ7d +14.8
Value46 · Δ7d +0.0
Sentiment50 · Δ7d -1.6
So what
Balanced signals (Net Bullish). Wait for confirmation before sizing up.

Confirming evidence

  • • 3 setup hits (3d) with net bullish as of 2026-10-24.
  • • Sentiment remains the lead driver in the composite, 7D delta -1.6.

Contradictions & invalidation

  • • Competition and pricing pressure in cross-border money movement could compress transaction economics even if send volume stays healthy [#10-Q-2026-05-06].
  • • Quarterly results are seasonal and corridor mix can distort the relationship between active customers, send volume, and monetization, which can make strong Q1 trends less linear than they appear [#10-Q-2026-05-06].
  • • This is still not a full-conviction upgrade because revision breadth remains thin in the available evidence, and part of the Q1 margin story needs to be proven through additional quarters rather than a single beat.

Catalyst clock

2026-08-05

Repurchase execution and cleaner balance-sheet usage can support downside

Lead driver: Sentiment · See AI snapshot
Momentum
90
8% active weight
Current posture
7d trendFlat
Δ7d
+14.8
Δ21d
+50.9
Value
46
47% active weight
Current posture
7d trendFlat
Δ7d
+0.0
Δ21d
+0.7
Sentiment
50
45% active weight
Current posture
7d trendSoftening
Δ7d
-1.6
Δ21d
-23.6
Why this grade

Composite grade C. Momentum 89.7 / Value 46.2 / Sentiment 50.2

Scenario snapshot

Scenario probability is memo-authored likelihood, not forecast certainty. Targets belong to the analysis dated 2026-05-08. Scenario method

B+
Bull case
30%
Probability
Target price
$27.00
Analysis reference price unavailable
Analysis 2026-05-08 · RankAlpha Sentiment Codex
Most likely
B
Base case
45%
Probability
Target price
$23.00
Analysis reference price unavailable
Analysis 2026-05-08 · RankAlpha Sentiment Codex
B-
Bear case
25%
Probability
Target price
$17.50
Analysis reference price unavailable
Analysis 2026-05-08 · RankAlpha Sentiment Codex
Fundamentals (TTM)
As of 2026-10-23
Market Cap
$5.25B
Beta
0.11
Shares Out
211.68M
P/E (TTM)
139.9
P/S (TTM)
1.77
P/FCF (TTM)
14.17
Rev YoY
+20.2%
EPS YoY
+3025.8%
Gross Margin
+60.0%
Op Margin
+10.4%
Net Debt
-$351.19M
Current Ratio
3.18
As of 2026-10-23 • Updated nightlySource: Internal modelMethods & Data