RELY stock forecast, quote, news & analysis
Remitly Global Inc provides integrated financial services to immigrants, including helping customers send money internationally in a quick, reliable, and more cost-effective manner by leveraging digital channels... Show more
Remitly Global (RELY) Stock Analysis: Record Quarter, Then a Sharp Post-Earnings Reset
Key Takeaways
- Remitly Global (RELY) trades near $22.30, down roughly 7.5% over the trailing 30 days after a sharp post-earnings pullback.
- Third-quarter 2026 revenue rose 22% year over year to $509.8 million, with record adjusted EBITDA of about $120.8 million at a 24% margin.
- Net income climbed to $67.6 million, a roughly sevenfold increase from the prior-year quarter, while free cash flow reached $88 million.
- Management raised full-year 2026 revenue guidance to $1.989–$1.991 billion and adjusted EBITDA guidance to $441–$443 million.
- Shares fell about 20% in a single session despite the beat, as early 2027 revenue growth guidance in the high-teens signaled deceleration.
- Growth is broadening beyond consumer remittances into business payments (30,000+ users) and the Remitly Global Card.
- For deeper data on Remitly's Price Targets, Earnings, and Forecast, explore the dedicated pages for this ticker.
- Discover Trending AI Robots to see how AI-driven trading strategies are positioned across the market.
Current Market Snapshot
Remitly Global shares have traded in a wide range through late 2026, rallying from a 52-week low near $12 to a peak around $28 before pulling back. The stock closed at $22.32 on November 6, 2026, up 3.6% from the prior session but still about 7.5% below its October 9 close of $24.13. The most notable move came on November 5, when shares dropped roughly 20% in a single session — from a $27.08 close to $21.55 — even though the company delivered record results and raised its outlook. The market repriced the stock on decelerating growth expectations rather than on any deterioration in the underlying business.
Remitly Global (RELY) Business Overview and Competitive Position
Remitly Global is a Seattle-based digital financial services company that specializes in cross-border money movement, primarily for immigrants and their families. Customers send funds from markets such as the United States, Canada, the United Kingdom, and Europe to recipients in more than 175 countries, with bank deposits, mobile wallets, and cash pickup among the payout options. The company earns revenue mainly from transaction fees and foreign-exchange spreads, and its scale — including send volume of $24.4 billion in the third quarter and 10.3 million quarterly active customers — supports improving unit economics. Remitly is expanding beyond consumer remittances into business payments and the Remitly Global Card, positioning itself as a diversified cross-border financial services provider.
Recent Developments Driving RELY
Remitly reported third-quarter 2026 results on November 4 that exceeded expectations across key metrics. Revenue of $509.8 million beat consensus, adjusted EBITDA of $120.8 million came in well above modeled estimates, and diluted earnings per share of $0.30 surpassed forecasts. Send volume grew 25% to $24.4 billion, and transaction margin expanded 312 basis points year over year to 68%. Management raised full-year revenue and adjusted EBITDA guidance and increased its share repurchase authorization from $200 million to $500 million.
Despite the strong quarter, shares sold off sharply the following day. The pullback reflected guidance that pointed to moderating growth: fourth-quarter revenue guidance of $531–$533 million implies roughly 20–21% growth, and management's early 2027 outlook calls for revenue growth in the high-teens range, toward the lower end, citing tougher comparisons, foreign-exchange volatility, and geopolitical uncertainty. Investors also weighed pricing competition from neobanks and the potential impact of stablecoins on the remittance landscape.
Beyond the core remittance business, Remitly continues to diversify. Business payments now serve more than 30,000 users across 26 countries, and the company signed Etsy as its first platform partner, allowing sellers in 15 countries to receive payouts through Remitly. The Global Card is expanding across the United States, and management expects newer businesses to contribute about 5% of revenue in 2026 and more than 10% by 2028.
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2026 Outlook and What Investors Should Watch
For the remainder of 2026, Remitly guided to fourth-quarter revenue of $531–$533 million and adjusted EBITDA of $104–$106 million, implying continued double-digit growth alongside margin expansion. Key factors to monitor include the trajectory of active customer growth, transaction margins, and marketing efficiency, as well as competition from neobanks and other digital payment providers. The company's expansion into business payments, the Global Card, and large transfers will be central to whether it sustains its Rule-of-40-plus growth and profitability profile. Macroeconomic variables — including currency fluctuations, remittance-related regulatory changes, and geopolitical conditions — also carry the potential to influence cross-border flows and revenue growth in the quarters ahead.
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.
RELY in upward trend: 10-day moving average broke above 50-day moving average on October 20, 2026
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 13 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 87%.
Technical Analysis (Indicators)
Bullish Trend Analysis
Following a +6.89% 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%.
RELY may jump back above the lower band and head toward the middle band. Traders may consider buying the stock or exploring call options.
The Aroon Indicator entered an Uptrend today. In 210 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 10-day RSI Indicator for RELY moved out of overbought territory on November 05, 2026. This could be a bearish sign for the stock. Traders may want to consider selling the stock or buying put options. Tickeron's A.I.dvisor looked at 38 similar instances where the indicator moved out of overbought territory. In 26 of the 38 cases, the stock moved lower in the following days. This puts the odds of a move lower at 68%.
The Stochastic Oscillator may be shifting from an upward trend to a downward trend. In 44 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 76%.
The Momentum Indicator moved below the 0 level on November 05, 2026. You may want to consider selling the stock, shorting the stock, or exploring put options on RELY as a result. In 48 of 70 cases where the Momentum Indicator fell below 0, the stock fell further within the subsequent month. The odds of a continued downward trend are 69%.
The Moving Average Convergence Divergence Histogram (MACD) for RELY turned negative on November 05, 2026. This could be a sign that the stock is set to turn lower in the coming weeks. Traders may want to sell the stock or buy put options. Tickeron's A.I.dvisor looked at 48 similar instances when the indicator turned negative. In 34 of the 48 cases the stock turned lower in the days that followed. This puts the odds of success at 71%.
RELY moved below its 50-day moving average on November 05, 2026 date and that indicates a change from an upward trend to a downward trend.
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%.
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 46 (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 50 (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 (4.193) is normal, around the industry mean (16.272). P/E Ratio (16.058) is within average values for comparable stocks, (52.956). Projected Growth (PEG Ratio) (0.000) is also within normal values, averaging (3.648). Dividend Yield (0.000) settles around the average of (0.430) 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 92, placing this stock worse than average.
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