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RELYRemitly Global, Inc.
$24.13$5.1B
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  3. RELY
  4. Financial Ratios

Remitly Global, Inc. (RELY) Financial Ratios

Latest Ratios: P/E Ratio 77.8x · EV/EBITDA 44.6x · ROE 8.9%. (2002–2025 historical series)

Income StatementBalance SheetCash FlowRatios
AnnualQuarterly

RELY Valuation Multiples

Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2017FY 2016FY 2015
Market Cap$5.1B$3.0B$4.4B$3.5B$1.9B$1.3B—————
Enterprise Value$4.8B$2.7B$4.0B$3.3B$1.6B$855M—————
P/E Ratio →77.8444.52—————————
P/S Ratio3.111.843.483.722.942.73—————
P/B Ratio6.043.466.606.634.002.61—————
P/FCF17.1910.1624.85————————
P/OCF15.639.2422.59————————

P/E links to full P/E history page with 30-year chart

RELY EV Ratios

Enterprise-value multiples — capital-structure-neutral measures of total business value

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2017FY 2016FY 2015
EV / Revenue—1.643.203.532.491.86—————
EV / EBITDA44.6125.12—————————
EV / EBIT58.2833.83—————————
EV / FCF—9.0722.86————————

RELY Profitability

Margins and return-on-capital ratios measuring operating efficiency

Margins

Full margin charts and quarterly trend are on the Earnings History page

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2017FY 2016FY 2015
Gross Margin57.1%57.1%59.2%56.4%50.0%48.3%47.1%42.1%4.4%5.3%6.5%
Operating Margin5.0%5.0%-3.1%-12.1%-18.5%-8.7%-11.4%-40.0%-9.6%-5.5%1.5%
Net Profit Margin4.2%4.2%-2.9%-12.5%-17.4%-8.5%-12.7%-40.6%-9.0%-8.3%-2.8%

Return on Capital

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2017FY 2016FY 2015
ROE8.9%8.9%-6.2%-23.3%-23.7%-11.8%-22.3%-293.9%—-117.9%-27.9%
ROA5.5%5.5%-3.6%-13.6%-17.3%-7.8%-10.4%-12.0%-19.5%-15.3%-7.7%
ROIC14.2%14.2%-8.9%-31.9%-66.8%-37.3%-69.1%—-73.3%-13.2%5.7%
ROCE9.4%9.4%-5.8%-19.8%-24.9%-11.9%-19.3%-21.0%-30.7%-13.4%5.3%

RELY Leverage & Debt

Solvency and debt-coverage ratios — lower is generally safer

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2017FY 2016FY 2015
Debt / Equity0.250.250.020.270.020.010.490.46—10.672.22
Debt / EBITDA2.062.06————————4.96
Net Debt / Equity—-0.37-0.53-0.34-0.61-0.83-0.57-1.11—9.861.97
Net Debt / EBITDA-3.02-3.02————————4.40
Debt / FCF—-1.09-1.99————-105.50——4.19
Interest Coverage10.4110.41-8.33-46.59-85.77-29.03-25.41-30.80-642.00-1.99-0.22

Net cash position: cash ($542M) exceeds total debt ($220M)

RELY Liquidity & Efficiency

Short-term solvency ratios and asset-utilisation metrics

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2017FY 2016FY 2015
Current Ratio3.303.302.732.543.204.291.901.721.321.741.75
Quick Ratio3.303.302.732.543.204.291.901.720.851.021.10
Cash Ratio2.082.081.120.881.442.851.031.260.140.170.23
Asset Turnover—1.121.250.910.940.730.710.482.271.941.63
Inventory Turnover————————12.0010.0110.58
Days Sales Outstanding—63.9461.51153.78106.8953.5072.0685.1433.2125.8224.60

RELY Shareholder Yields

Earnings, FCF, buyback, and dividend yields — total returns to shareholders

Dividends

Full dividend history and growth charts are on the Dividend History page

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2017FY 2016FY 2015
Dividend Yield———————————
Payout Ratio———————————

Total Shareholder Return Metrics

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2017FY 2016FY 2015
Earnings Yield1.3%2.2%—————————
FCF Yield5.8%9.8%4.0%————————
Buyback Yield1.0%1.7%0.0%0.0%0.0%0.0%—————
Total Shareholder Yield1.0%1.7%0.0%0.0%0.0%0.0%—————
Shares Outstanding—$218M$195M$181M$168M$61M$152M$21M$29M$29M$29M

Key Metrics

Growth RegimeDecelerating
ProfitabilityModerate
Balance SheetHealthy
Cash FlowImproving
Top Statement Risk

Regulatory and immigration policy

Verified Source

Metrics are mathematically derived from official filings.

SEC 10-K (2026Q1)

Premium Valuation Reflects Growth Expectations

According to current market data, RELY trades at a trailing P/E of 72.16, which, when compared to the broader software infrastructure sector, suggests that investors are pricing in significant long-term market share gains rather than immediate earnings yield.

The forward P/E of 34.90 indicates that the market anticipates a substantial earnings inflection as the company scales. This valuation appears to be a bet on the company's ability to maintain its digital-first moat against both legacy incumbents and emerging fintech disruptors.

Capital Efficiency Improving Through Scale

Based on reported figures, RELY's ROIC has shifted from a negative 7.0% in 2023Q4 to a positive 11.6% by 2026Q1, signaling that the company is finally beginning to generate meaningful returns on the capital deployed into its digital infrastructure.

This trend suggests that the heavy upfront investment in technology and customer acquisition is starting to yield operating leverage. Investors should monitor whether this ROIC expansion is sustainable or if it remains sensitive to the cyclical nature of marketing spend required to maintain growth.

Working Capital Dynamics Remain Volatile

As reported in recent financial statements, the company's DSO has fluctuated significantly, peaking at 144 days in 2024Q1 before moderating, which highlights the inherent complexity of managing settlement cycles across 150 different international jurisdictions.

The variability in these efficiency metrics suggests that the company's cash conversion cycle is highly dependent on the specific mix of corridors and payment methods utilized. A more stable DSO would likely indicate improved operational maturity and better control over the underlying disbursement network.

P/E Ratio Misrepresents Earnings Power

Based on an analysis of the company's financial structure, the P/E ratio is a commonly misapplied metric for RELY because it fails to account for the heavy impact of stock-based compensation on reported net income.

Given the company's stage of growth, investors should prioritize EV/EBITDA or free cash flow metrics to better understand the underlying operational cash generation. Relying solely on P/E may lead to an inaccurate assessment of the company's true economic profitability and its ability to self-fund future expansion.

Download Financial Ratios Data

Includes 30+ ratios · 21 years · Updated daily

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RELY — Frequently Asked Questions

Quick answers to the most common questions about buying RELY stock.

What is Remitly Global, Inc.'s P/E ratio?

Remitly Global, Inc.'s current P/E ratio is 77.8x. The historical average is 44.5x. This places it at the 100th percentile of its historical range.

What is Remitly Global, Inc.'s EV/EBITDA?

Remitly Global, Inc.'s current EV/EBITDA is 44.6x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 25.1x.

What is Remitly Global, Inc.'s ROE?

Remitly Global, Inc.'s return on equity (ROE) is 8.9%. The historical average is -16.6%.

Is RELY stock overvalued?

Based on historical data, Remitly Global, Inc. is trading at a P/E of 77.8x. This is at the 100th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.

What are Remitly Global, Inc.'s profit margins?

Remitly Global, Inc. has 57.1% gross margin and 5.0% operating margin.

How much debt does Remitly Global, Inc. have?

Remitly Global, Inc.'s Debt/EBITDA ratio is 2.1x, indicating moderate leverage. A ratio between 2-4x is manageable but warrants monitoring.