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Remitly Global, Inc. (RELY) Stock Analysis

HoldVALUE-TRAP 1/5Moderate Confidence

Technology · Software - Infrastructure

Earnings in 6 days (2026-05-06). Expect elevated volatility around the report — consider waiting for post-earnings price action before new entries.

Hold if already holding. Not a fresh buy at $21.91, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Earnings in 6 days (event risk).

Remitly Global is a digital cross-border payments company serving 9.3 million quarterly active users across 175+ countries via 5,300+ corridors, enabling international money transfers through mobile apps and websites. Revenue of $1.6 billion in 2025 is generated from transaction... Read more

$21.91-1.6% A.UpsideScore 5.7/10#38 of 80 Software - Infrastructure
Stop $20.52Target $21.56(resistance)A.R:R -0.8:1
Analyst target$22.22+1.4%9 analysts
$21.56our TP
$21.91price
$22.22mean
$20
$28

Hold if already holding. Not a fresh buy at $21.91, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Earnings in 6 days (event risk). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Mixed signals. Hold existing position. Score 5.7/10, moderate confidence.

Passes 5/7 gates (positive momentum, clean insider activity, no SEC red flags, news events none recent, semi cycle peak clear). Fails on favorable risk/reward ratio and earnings proximity 6d<=7d. Suitability: aggressive.

Thesis

Rewards
Strong earnings beat streak (3/4)
Strong growth profile
Risks
Analyst target reached - limited upside remaining
Earnings in 6 days (event risk)
Overbought (RSI 92)

Key Metrics

P/E (TTM)70.6
P/E (Fwd)14.3
Mkt Cap$4.6B
EV/EBITDA46.8
Profit Mgn4.2%
ROE8.9%
Rev Growth25.7%
Beta0.09
DividendNone
Rating analysts16

Quality Signals

Piotroski F9/9

Options Flow

P/C1.13bearish
IV89%elevated
Max Pain$13-42.9% vs spot

Material Events(8-K, last 90d)

  • 2026-02-18Item 5.02MEDIUM
    Sebastian Gunningham appointed CEO effective February 19, 2026, succeeding co-founder Matthew Oppenheimer who transitioned to Chair of the Board and ceased employment as part of an orderly succession plan. Gunningham previously served as SVP at Amazon and Chairman of Santander Consumer Finance. No disagreement cited.
    SEC filing →
  • 2026-03-20Item 5.02MEDIUM
    Luke Tavis (Chief Accounting Officer) retired from the CAO role effective March 31, 2026; will continue as VP Accounting through June 2026 for transition support. Tai-Hong Fung (VP Controller since February 2026, formerly VP Controller at Starbucks) appointed as new CAO effective April 1, 2026.
    SEC filing →
  • 2026-04-10Item 5.02LOW
    Adam Messinger appointed to Board as Class III director effective April 6, 2026, also joining Talent and Compensation Committee. Previously served as CTO of Twitter and VP at Oracle; has served as technical advisor to various technology companies. Board size increased to accommodate appointment.
    SEC filing →

Model-generated analysis — not investment advice. Not a registered investment advisor. Past performance does not guarantee future results. Full disclaimer

Rating Breakdown

2 floor-breakers·1 ceiling hit

Ranks in the bottom of its industry peers on the composite signal. Better names in the same sector exist.static

Value Rank
3.8
Quality Rank
4.1
Growth Rank
7.1

Technicals below the gate floor. Component breakdown shows what dragged the score down.static

Support Resistance
0.1
Bollinger
1.8
Gap
6.0
52w Position
7.7
GatesA.R:R -0.8=NEGATIVEEARNINGS PROXIMITY 6d<=7dMomentum 6.2>=5.5Insider activity: OKNo SEC red flagsNEWS EVENTS NONE RECENTSEMI CYCLE PEAK CLEARSuitability: Aggressive
RSI
92 · Overbought
20D MA 50D MA 200D MAGOLDEN CROSSSupport $15.46Resistance $22.00

Price Targets

$21
$22
A.Upside-1.6%
A.R:R-0.8:1

Position Sizing

ConvictionNone
Suggested %0.5%
Max %1%
RegimeCautious

Risk Alerts

! Target reached (-11.8% upside)
! Negative risk/reward — downside exceeds upside
! EARNINGS_PROXIMITY:6d<=7d

Earnings

B
B
B
M
3/4 beats
Next Earnings2026-05-06 (6d)

Verdict History

reverse chrono — latest first
Loading history...
Verdicts are recorded on every nightly pipeline run. Rows capture transitions (verdict flips, score deltas ≥0.3, entry/TP/SL changes). Rows with a ▶ can be expanded to see the change reason. Aggregate cohort performance is tracked in the recommendation ledger.
Frequently Asked Questions
Is RELY stock a buy right now?

Hold if already holding. Not a fresh buy at $21.91, but acceptable to hold if already in. Reasons: Analyst target reached - limited upside remaining; Earnings in 6 days (event risk). Chart setup: No recognized chart pattern (not a breakout, bounce, continuation, recovery, falling knife, or range) — technicals mixed. Mixed signals. Hold existing position. Target $21.56 (-1.6%), stop $20.52 (−6.8%), A.R:R -0.8:1. Score 5.7/10, moderate confidence.

What is the RELY stock price target?

Take-profit target: $21.56 (-1.6% upside). Target $21.56 (-1.6%), stop $20.52 (−6.8%), A.R:R -0.8:1. Stop-loss: $20.52.

What are the risks of investing in RELY?

Analyst target reached - limited upside remaining; Earnings in 6 days (event risk); Overbought (RSI 92).

Is RELY overvalued or undervalued?

Remitly Global, Inc. trades at a P/E of 70.6 (forward 14.3). TrendMatrix value score: 5.6/10. Verdict: Hold.

What do analysts say about RELY?

16 analysts cover RELY with a consensus score of 4.3/5. Average price target: $22.

What does Remitly Global, Inc. do?Remitly Global is a digital cross-border payments company serving 9.3 million quarterly active users across 175+...

Remitly Global is a digital cross-border payments company serving 9.3 million quarterly active users across 175+ countries via 5,300+ corridors, enabling international money transfers through mobile apps and websites. Revenue of $1.6 billion in 2025 is generated from transaction fees and foreign exchange spreads on $74.9 billion of send volume; the company achieved its first GAAP profitable year in 2025 with net income of $67.9 million. The company expanded beyond remittances into broader cross-border financial services for consumers and businesses.

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