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51

RELY

๐Ÿ’ป Technology

Remitly Global, Inc.

Conservative #519Aggressive #314Moderate RiskMixed 54MLโ†‘ 23pt
$16.25+0.37%
Day High$16.47
Day Low$16.00
Volume3.7M
Mkt Cap$3.4B
52W Low $1252W High $25
Market Cap
$3.6B
P/E Ratio
52.9
Sector avg: 87.8
Rev Growth
29.4%
Sector avg: 14.8%
Earnings Growth
283.7%
Profit Margin
4.2%
Sector avg: -110.0%
Debt/Equity
0.25

Why This Score

RELY scores 51.5 on the Conservative profile, blending a fundamental score (80% weight, emphasizing quality and stability (84% of fundamental weight)) with a machine-learning signal (20% weight) trained on 82 features across 30 years of data.

Risk Factors
  • Elevated valuation at 52.9x earnings โ€” requires sustained growth to justify the premium.

Minor adjustments (0.0 points) applied. RELY's rank of #519 primarily reflects its factor profile relative to the conservative weight vector.

Score Breakdown

Overall Score51.5
Fundamental Score45.6
ML Score55.0

Score by Horizon

3 Month
71.3
6 Month
79.6
Primary
1 Year
83.8

Quality Assessment

B
Earnings Grade
Solid fundamentals with minor quality concerns
Quality Flags
High accrual ratio (-1000.8%) โ€” earnings quality concern

Position Sizing

Suggested Allocation
5%
Confidence
high

Score Composition Waterfall

How each component affects the final score
Backtested Scoring Levers (IC-calibrated from 30y ElasticNet)
Weinstein (12.1%)
0
Declining
Sentiment (2.5%)
38
Negative
Analyst (6.4%)
50
Neutral
Tradability (post-hoc)
94
Grade A
Base
49.4
SHAP
+2.4
Factors
+1.6
Divergence
-1.9
Final
51.5
Positive adjustment
Negative adjustment
Base blend
Final score

Signal SegmentsComputed from ML features

Fundamental (Valuation, Quality, Growth)55.0
Technical (Momentum, Weinstein, Volatility)35.0
External (Sentiment, Analyst, Macro)72.0
Scores below 50 indicate weakness in that segment relative to the universe.

Data Quality

Score
Features
Confidence
Feature Coverage89%

Growth Estimates

Short-term
+3.7% to +8.6%
Medium-term
+6.2% to +13.7%
Long-term
+9.6% to +19.8%

ML Model Core Features100 trained inputs โ†’ ML Score: 55

These features are direct inputs to the machine learning model. The model was trained on these signals alongside 100 features (including 12 momentum/technical indicators) to produce the ML percentile score.

Analyst Intelligence
Consensus Score50.0/100
Target Upside+27.1%
Coverage0 analysts
Market Sentiment
Sentiment Score37.7/100
News Volume1 articles
Technical Stage
Weinstein Stage4 โ€” Declining
12M Momentum-0.5%
6M Momentum-0.3%
Volatility+0.1%
Momentum & Technical
Momentum Acceleration-15.7%
Momentum ConsistencyModerate (0.66)
Relative Strength vs Sector-50.4%
Trend Strength (ADX Proxy)Strong (5.0)
Momentum Quality-0.280
Momentum BreadthNarrow
Macro Regime
Bull RegimeYes
High Vol RegimeNo
S&P 500 Return+25.0%
Yield Curve-0.1bp

Sector-Relative AnalysisIn-model features

Value Trap Signal
2%
Low risk
Sector RevGr Rank
P87
Revenue growth vs Technology peers
Sector PE Rank
P22
Valuation vs Technology peers
Sector FCF Rank
P59
Free cash flow vs Technology peers
Growth Deviation
+0.4ฯƒ
Z-score vs sector median
Stagnation Flag
NO
Not flagged

Analysis Signals

Scoring Factors
Fundamental score of 62 relative to sector peers62/100
Machine learning model ranks this stock at the 84th percentileP84
ML model weight reduced to 9% due to macro conditions: market in extended rally phase; yield curve inverted (recession indicator); late-cycle economic indicators detected9% ML weight
SHAP feature alignment: +2.4pt (features align with model priorities)โ€”
Blend: 91% fund (61.7) + 9% ML (84.5) + SHAP(+2.4) = 66.2โ€”
Factor quality: +1.6pt (multi-factor composite)โ€”
Risk assessment: moderate. Annualized volatility 8.2%. Max drawdown 40% (-12.0 pts). Price momentum -47% (-8.4 pts)Moderate
Market cap adjustment: +0.5 points ($3.6B market cap)+0.5 pts
Divergence penalty: -1.9pt (ML 23pt higher)โ€”
Risk Factors
Earnings quality grade B: adequate earnings quality with minor concerns. Score adjusted by -5 pointsGrade B
Quality concern: High accrual ratio (-1000.8%) โ€” earnings quality concern; R&D-adjusted ROIC: 6.1% (original: 6.9%). Software - Infrastructure has ~22% R&D intensity. Capitalizing R&D over 5 years increases invested capital by ~55%.Flag

Sector Peer Comparison(Technology โ€” Rank #122 of 289 stocks)

StockScoreP/ERev GrowthMarginMkt Cap
RELY51.552.929.4%4.2%$3.6B
MPWR84.891.721.2%81.0%$57.1B
ZM84.218.03.1%21.7%$27.7B
NVDA80.645.2114.2%55.8%$4.5T
CRUS79.719.16.0%17.5%$7.4B
ASML77.848.115.6%29.4%$546.0B
IDCC77.431.8-4.0%48.8%$9.7B
CSCO77.127.65.3%18.0%$303.6B
RMBS75.548.320.7%32.3%$11.0B
DBX75.313.91.9%17.7%$6.4B
FSLR75.017.326.7%30.7%$24.2B
SIMO74.79.210.2%13.8%$4.5B
ADI74.374.116.9%20.6%$165.1B
AAPL72.533.16.4%27.0%$3.9T
OLED72.527.012.4%34.3%$5.9B
AMAT72.336.44.4%24.7%$281.7B
Sector Average47.487.814.8%-110.0%โ€”

Market Sentimentvia FMP

Analyst Consensus
Buy13 analysts
Buy: 12Hold: 1
Price Target
$21consensus
Low $17Median $20High $25
+26.2% to consensus target

Company Overviewvia FMP

Remitly Global, Inc. provides digital financial services for immigrants and their families. It primarily offers cross-border remittance services in approximately 150 countries. The company was incorporated in 2011 and is headquartered in Seattle, Washington.

CEO
Sebastian J. Gunningham
Employees
2,800
Beta
0.11
Industry
Software - Infrastructure
FMP-Identified Peers

Technical Picturecomputed from daily prices

RSI (14)
73.5
Overbought
Trend
Bullish
10-day vs 50-day MA
From 52W High
-34.2%
High: $24.71
From 52W Low
+34.5%
Low: $12.08
Moving Averages
10-Day
$14.90
Above
20-Day
$14.00
Above
50-Day
$14.00
Above
200-Day
$16.70
Below
60-Day Support
$12.1
60-Day Resistance
$17.88
Weinstein Stage Analysisbased on 200-day SMA framework
Stage 4 โ€” DecliningScore: 19/100

Stock is in a downtrend below the 200-day moving average. Price is below both the 50-day and 200-day SMAs, indicating sustained selling pressure.

Unfavorable technical position; wait for Stage 1 basing
Price vs 200 SMA
-2.7%
200 SMA Slope (60d)
-11.85%
Falling
Volume Ratio
1.85x
10d avg vs 50d avg
Days in Stage
3
Confidence: 90%
Recent Gap Up

Financial Statementslast 4 quarters via FMP

MetricQ4 2025Q3 2025Q2 2025Q1 2025
Revenue$442M$419M$412M$362M
Gross Profit$264M$246M$243M$218M
Operating Income$39M$12M$15M$12M
Net Income$41M$9M$7M$11M
EPS (Diluted)$0.19$0.04$0.03$0.05
Gross Margin59.6%58.7%59.0%60.2%
Operating Margin8.8%2.8%3.6%3.4%
Net Margin9.3%2.1%1.6%3.1%

Why This Stock

TechnologyRevenue growth 29.4%

Tradability FilterGrade A โ€” 94/100Score impact: -0.4pt

Volume
100
3.1M avg/day
Dollar Vol
100
$50M/day
Float
100
173M shares
Mkt Cap
64
$3.6B
Range
100
105% spread
Composite Liquidity Score94/100
FDCBA

Multi-Year Range Analysis

Sideways: 0/100
YearLowHighRangeStatus
2022$6.66$20.95103.5%Wide
2023$10.86$27.9588.1%Wide
2024$11.60$23.1166.3%Wide
2025$12.08$27.3277.4%Wide
3-Year Range
88.1%
Narrow Years
0 / 4
Sideways Penalty
None

Growth Projection Adjustment

0.7x dampening
weinstein basing

Growth estimates have been dampened based on technical and fundamental signals. This is a post-hoc adjustment to prevent overly optimistic projections for stocks showing declining momentum or deteriorating fundamentals.

Free Float
82.8%
Outstanding Shares
209M
Bid-Ask Spread
105.0%
Institutional Tradable
Yes

Scores are generated by a multi-stage ML pipeline combining fundamental analysis, ensemble predictions, and structural risk signals. All data is for research purposes only and does not constitute financial advice. Past performance does not guarantee future results.