GET DAILY SIGNALSRemitly (RELY) Delivers +26% Revenue Growth in Q4 2025 and Achieves First Full Year of GAAP Profitability
Key Takeaways
- Fourth quarter 2025 revenue reached $442.2 million, up 26% year over year and above the consensus estimate of roughly $427.4 million.
- Diluted earnings per share (EPS) came in at $0.19, beating the analyst consensus of $0.16.
- Net income totaled $41.2 million for the quarter, swinging from a loss of $5.7 million a year earlier and marking Remitly's first full year of GAAP profitability.
- Active customers grew 19% year over year to 9.3 million, while send volume climbed 35% to $20.8 billion.
- Full-year 2025 revenue rose 29% to $1.64 billion, with net income of $67.9 million versus a loss of $37.0 million in 2024.
- Management guided to 2026 revenue of $1.94 billion to $1.96 billion, implying roughly 19%–20% growth.
Why These Results Matter
Remitly's fourth quarter and full-year 2025 report marks a pivotal moment for the digital cross-border payments provider. After years of prioritizing growth, the company has now demonstrated consistent, scaled profitability, reporting its first full year of positive net income under GAAP. In my view, this signals that Remitly's expanding platform — spanning more than 175 countries and millions of active customers — can convert rising transaction volume into durable earnings. The results also arrive as the company pushes beyond consumer remittances into small-business payments and products such as Remitly One and Flex, broadening its addressable market. Against this backdrop, the fourth quarter serves as a key test of whether strong top-line momentum can coexist with margin expansion.
The Reported Numbers
Remitly Global, Inc. reported fourth quarter 2025 revenue of $442.2 million, a 26% increase from $351.9 million in the prior-year period and ahead of the consensus estimate of approximately $427.4 million. Diluted EPS was $0.19, exceeding the analyst consensus of $0.16. Net income reached $41.2 million, compared with a net loss of $5.7 million a year earlier. I also checked this using Tickeron’s AI Screener to see how RELY compares to others in the fintech space.
Adjusted EBITDA climbed to $88.6 million, nearly double the prior-year level, reflecting improved operating leverage. Active customers grew 19% to 9.3 million, and send volume rose 35% to $20.8 billion. For the full year, revenue increased 29% to $1.64 billion, and net income of $67.9 million marked the company's first full year of GAAP profitability, compared with a $37.0 million loss in 2024.
Market Reaction
Investors responded favorably to the report, with shares rallying in the wake of the announcement as the company delivered record results and its first full year of GAAP profitability. The combination of a revenue beat, a stronger-than-expected bottom line, and a sharp increase in adjusted EBITDA reinforced confidence that Remitly can sustain profitable growth. Sentiment was further supported by active customer growth and accelerating send volume, which suggest underlying demand remains robust even as revenue growth decelerates from its earlier, faster pace. The 2026 guidance for roughly 19%–20% revenue growth provided a measured but positive outlook that investors appeared to interpret as evidence of disciplined, balanced execution.
Looking Ahead
Looking ahead, investors will watch whether Remitly can sustain its momentum while balancing investment against profitability. Management's 2026 revenue guidance of $1.94 billion to $1.96 billion implies roughly 19%–20% growth, a more moderate pace than 2025's 29% expansion, and signals a deliberate shift toward sustainable, profitable scaling.
Several catalysts merit attention. The company is expanding into small-business payments, where average transaction sizes are roughly twice those of its core consumer segment, and is scaling newer products such as Remitly One and Flex. Continued adoption of these offerings could broaden revenue streams and deepen customer engagement.
On the cost side, transaction-loss rates tend to be volatile, and investors will monitor whether the exceptionally low levels seen in the fourth quarter normalize. The company is also positioning for a broader shift from cash to digital remittances, aided by policy changes favoring digitally funded transactions. Margin trajectory, active customer growth, and the ramp of new product lines will be the key signposts for the quarters ahead.
Refining Analysis with Tickeron Tools
One resource I turn to regularly when reviewing earnings like these is Tickeron’s AI Screener. It helps filter stocks by technical patterns, fundamentals, and AI-driven signals, making it easier to compare names such as RELY against peers and spot emerging opportunities in fintech without spending hours on manual work. The platform’s customizable filters have become a practical part of my routine for staying on top of shifting market conditions.
Disclaimer
The information on this webpage is provided for general informational and educational purposes only and is not intended as investment advice, a recommendation to purchase or sell any security, or an offer or solicitation related to investments. It does not consider your personal financial situation, goals, or risk profile, and all investing carries inherent risks, including the possibility of losing your entire investment. For more details, please review our full disclaimer.
Contributor
Sergey Savastiouk, Ph.D. has a degree in Applied Mathematics from Moscow University and has extensive experience as an entrepreneur, investor, manager, and mathematician. His professional expertise is in applied mathematics, mathematical modeling, system and pattern analysis, and software and hardware system integration. He has served as the CEO of several hi-tech start-up companies and nonprofit organizations, which has given him proven capabilities in business strategy for high-tech start-up companies, market assessment, company formation, team building, product development, marketing, and sales. He has published numerous articles in journals and magazines on related fields. As a retail investor, he spent 15 years developing his proprietary trading and quantitative algorithms (now Tickeron’s A.I.), which brought him significant returns in trading the stock market. His current work and goal in founding Tickeron is to bring professional, sophisticated stock market analysis capabilities to retail investors via an easy-to-use interface.
RELY in upward trend: price rose above 50-day moving average on October 15, 2026
RELY moved above its 50-day moving average on October 15, 2026 date and that indicates a change from a downward trend to an upward trend. In 39 of 46 similar past instances, the stock price increased further within the following month. The odds of a continued upward trend are 85%.
Technical Analysis (Indicators)
Bullish Trend Analysis
The Momentum Indicator moved above the 0 level on November 02, 2026. You may want to consider a long position or call options on RELY as a result. In 56 of 70 past instances where the momentum indicator moved above 0, the stock continued to climb. The odds of a continued upward trend are 80%.
The Moving Average Convergence Divergence (MACD) for RELY just turned positive on November 02, 2026. Looking at past instances where RELY's MACD turned positive, the stock continued to rise in 37 of 45 cases over the following month. The odds of a continued upward trend are 82%.
The 10-day moving average for RELY crossed bullishly above the 50-day moving average on October 20, 2026. This indicates that the trend has shifted higher and could be considered a buy signal. In 11 of 15 past instances when the 10-day crossed above the 50-day, the stock continued to move higher over the following month. The odds of a continued upward trend are 73%.
Following a +5.09% 3-day Advance, the price is estimated to grow further. Considering data from situations where RELY advanced for three days, in 245 of 297 cases, the price rose further within the following month. The odds of a continued upward trend are 82%.
The Aroon Indicator entered an Uptrend today. In 208 of 258 cases where RELY Aroon's Indicator entered an Uptrend, the price rose further within the following month. The odds of a continued Uptrend are 81%.
Bearish Trend Analysis
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 43 of 58 cases where RELY's Stochastic Oscillator exited the overbought zone, the price fell further within the following month. The odds of a continued downward trend are 74%.
Following a 3-day decline, the stock is projected to fall further. Considering past instances where RELY declined for three days, the price rose further in 50 of 62 cases within the following month. The odds of a continued downward trend are 77%.
RELY broke above its upper Bollinger Band on October 05, 2026. This could be a sign that the stock is set to drop as the stock moves back below the upper band and toward the middle band. You may want to consider selling the stock or exploring put options.
Fundamental Analysis (Ratings)
The Tickeron SMR rating for this company is 31 (best 1 - 100 worst), indicating very strong sales and a profitable business model. SMR (Sales, Margin, Return on Equity) rating is based on comparative analysis of weighted Sales, Income Margin and Return on Equity values compared against S&P 500 index constituents. The weighted SMR value is a proprietary formula developed by Tickeron and represents an overall profitability measure for a stock.
The Tickeron Price Growth Rating for this company is 39 (best 1 - 100 worst), indicating steady price growth. RELY’s price grows at a higher rate over the last 12 months as compared to S&P 500 index constituents.
The Tickeron Valuation Rating of 52 (best 1 - 100 worst) indicates that the company is fair valued in the industry. This rating compares market capitalization estimated by our proprietary formula with the current market capitalization. This rating is based on the following metrics, as compared to industry averages: P/B Ratio (4.768) is normal, around the industry mean (16.526). P/E Ratio (18.259) is within average values for comparable stocks, (57.809). Projected Growth (PEG Ratio) (0.000) is also within normal values, averaging (3.648). Dividend Yield (0.000) settles around the average of (0.287) among similar stocks. P/S Ratio (2.665) is also within normal values, averaging (103.889).
The Tickeron PE Growth Rating for this company is 97 (best 1 - 100 worst), pointing to worse than average earnings growth. The PE Growth rating is based on a comparative analysis of stock PE ratio increase over the last 12 months compared against S&P 500 index constituents.
The Tickeron Profit vs. Risk Rating rating for this company is 100 (best 1 - 100 worst), indicating that the returns do not compensate for the risks. RELY’s unstable profits reported over time resulted in significant Drawdowns within these last five years. A stable profit reduces stock drawdown and volatility. The average Profit vs. Risk Rating rating for the industry is 91, placing this stock worse than average.
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