RELY · NASDAQ · STOCK
Remitly Global (RELY) Stock Analysis
$24.12
52W $12.08 – $27.48
63/100
$5.08B
16.6
0.39
⚠
Buy rating, but near-term risk/reward is unfavorable
The long-term recommendation is based on the composite investment score. The near-term risk/reward is based on nearby support and resistance levels. These can differ when a strong company trades close to resistance with support further below.
Is RELY Bullish or Bearish?
Bullish.
Innellis AI committee rates Remitly Global, Inc. (RELY) Buy with a composite score of 63/100
, based on 6 analysts with 67% agreement.
Last updated October 10, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +12.31 from today. Applies on the first day at or above the line; upgrades are never dampened.
- Downgrade to Watch
- Requires the score to fall below 55.0 — -7.69 from today. The band boundary is 60.0, but a one-step downgrade must clear a further margin first. A score oscillating around the line should not change the rating every night.
Executive Summary
The committee is genuinely divided. Growth Analyst sees a compelling case — eps growing 2130.0% yoy. Portfolio Manager remains cautious — sector concentration is already high (hhi 2796.97). This disagreement is itself the signal — the setup is not clean in either direction.
Bull & Bear Case
Bull Case
- ROE of 33.0% shows genuine earnings power backing the valuation — Value
- EPS growing 2130.0% YoY — Growth
- 4 consecutive earnings beats -- consistent execution — Growth
- Quarter-over-quarter growth rate is ACCELERATING, not just positive — Growth
- MACD histogram positive -- bullish momentum — Technical
- Low leverage (debt-to-equity 0.18) -- balance sheet can absorb a shock — Risk
Bear Case
- RSI at 73 is in overbought territory — Technical
- Price trading above the upper Bollinger Band -- stretched — Technical
- Bollinger bandwidth of 16.8% signals elevated volatility — Risk
Both cases are generated from quantitative data signals, not qualitative or
forward-looking judgement. They summarise what the numbers say today.
Price History (6M)
AI Investment Committee
Committee Consensus
As of October 10, 2026
Overall Committee Score
63/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 19%
of 287 Technology peers
Value Analyst
bullish
65
/ 100 · High confidence
Classic value case: cheap on multiples with earnings power to back it up
+ ROE of 33.0% shows genuine earnings power backing the valuation
Growth Analyst
bullish
79
/ 100 · High confidence
Strong, accelerating growth with consistent execution
+ EPS growing 2130.0% YoY
Technical Analyst
neutral
48
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
− RSI at 73 is in overbought territory
Risk Analyst
neutral
58
/ 100 · Moderate confidence
Moderate risk -- no single red flag, but nothing that clearly de-risks the position either
+ Low leverage (debt-to-equity 0.18) -- balance sheet can absorb a shock
− Bollinger bandwidth of 16.8% signals elevated volatility
Macro Analyst
bullish
65
/ 100 · Low confidence
Macro backdrop is supportive of risk assets generally, and this name's beta works in its favor
News Analyst
bullish
62
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
Portfolio Manager
bearish
30
/ 100 · Moderate confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− Sector concentration is already high (HHI 2796.97)
Investment Thesis Evolution
Committee score weakened from 68.0 to 62.7.
- Conviction changed from high to moderate.
- Committee agreement fell notably from 83% to 67%.
- New bearish signals: 2 appeared.
- Analyst(s) changed stance: Risk Analyst.
Analyst-level changes:
- Risk Analyst: stance bullish->neutral; score 80->58 (-22); +1 bearish signal(s).
- Technical Analyst: score 58->48 (-10); +1 bearish signal(s).
Comparing 2026-10-09 to 2026-10-10 (1 day apart).
Technical Analysis
RSI (14)
72.7
Overbought
MACD Histogram
0.387
Bullish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$22.34
Resistance
$24.70
Bollinger %B
1.07
Above Upper Band
Price vs Moving Averages
EMA 9
$22.85
Above
EMA 21
$22.72
Above
EMA 50
$23.08
Above
EMA 200
$21.06
Above
Fundamental Analysis
Valuation
82
Growth
94
Profitability
67
Financial Health
100
Cash Flow
70
Valuation
P/E Ratio
16.6×
P/B Ratio
4.51×
PEG Ratio
0.01
Dividend Yield
0.00%
52W High
$27.48
52W Low
$12.08
Quality & Growth
ROE
781.9%
ROA
465.7%
Gross Margin
6001.2%
Operating Margin
1010.1%
Revenue Growth YoY
—
Debt / Equity
0.03
AI Fundamental Assessment
P/E ratio of 16.6 (inexpensive relative to a 15-40x range); Price-to-book of 4.5x; PEG ratio of 0.0 (under 1.0 suggests growth is undervalued relative to price); Return on equity of 7.8%; Return on assets of 4.7%; Net margin of 16.9%; Gross margin of 60.0%; Current ratio of 3.18 (healthy short-term liquidity); Debt-to-equity of 0.03; Free cash flow per share is positive (2.07); Most recent quarter beat estimates by 601.4%; 4 consecutive earnings beats; EPS growth accelerating (+21.1% -> +304.3% QoQ); Analyst estimates rising over recent quarters
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