RELY · NASDAQ · STOCK
Remitly Global (RELY) Stock Analysis
$24.20
52W $12.08 – $27.48
65/100
$5.00B
16.4
0.39
Is RELY Bullish or Bearish?
Bullish.
Innellis AI committee rates Remitly Global, Inc. (RELY) Buy with a composite score of 65/100
, based on 6 analysts with 67% agreement.
Last updated October 14, 2026.
What Would Change This View
- Upgrade to Strong Buy
- Requires a committee score of 75.0 — +9.52 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 — -10.48 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 — 2 existing position pair(s) are highly correlated already. 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
- Bollinger bandwidth of 19.1% 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 14, 2026
Overall Committee Score
65/100
Agreement
67%
Analysts
6
Conviction
Moderate
Sector Rank
Top 4%
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
58
/ 100 · High confidence
Mixed or range-bound price action
+ MACD histogram positive -- bullish momentum
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 19.1% 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
68
/ 100 · Low confidence
News flow and recent filings/analyst actions are net positive
+ News sentiment is positive (+0.33 across 6 articles, 14d)
Portfolio Manager
bearish
35
/ 100 · Low confidence
The existing book itself argues for caution here, independent of how good this specific stock looks
− 2 existing position pair(s) are highly correlated already
Investment Thesis Evolution
Committee score moved marginally from 67.7 to 65.5.
- New bearish signals: 1 appeared.
- Bullish support removed: 2 signal(s) disappeared.
- New bullish signals: 1 appeared.
- Bearish pressure eased: 2 signal(s) disappeared.
Analyst-level changes:
- Macro Analyst: score 80->65 (-15).
- News Analyst: +1 bullish signal(s).
- Portfolio Manager: score 30->35 (+5).
- Risk Analyst: +1 bearish signal(s).
Comparing 2026-10-13 to 2026-10-14 (1 day apart).
Technical Analysis
RSI (14)
58.8
Neutral
MACD Histogram
0.319
Bullish Momentum
Trend Direction
Sideways
Weekly: Uptrend
Market Structure
Mixed
Support
$22.34
Resistance
$24.70
Bollinger %B
0.79
Inside Bands
Price vs Moving Averages
EMA 9
$23.22
Above
EMA 21
$22.94
Above
EMA 50
$23.14
Above
EMA 200
$21.13
Above
Fundamental Analysis
Valuation
83
Growth
94
Profitability
67
Financial Health
100
Cash Flow
70
Valuation
P/E Ratio
16.4×
P/B Ratio
4.45×
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 16.4 (inexpensive relative to a 15-40x range); Price-to-book of 4.4x; 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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