COMP <GO>
RELY vs PAY // 10Y YIELD & FRED MACRO BETA
Remitly Global Inc. (NASDAQ) VS. Paymentus Holdings Inc. (Class A) (NYSE) • 15-METRIC TALLY: RELY 5
— PAY 6
■ METRIC PARITY
LAST: $24.64 (+1.53%) • MKT CAP: $5.22B
macro-sensitivity
—
LAST: $32.26 (+2.02%) • MKT CAP: $4.06B
macro-sensitivity
—
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (RELY VS. PAY)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | RELY | PAY | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | — | 24.80% | — | TIE | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 12.70% | 24.90% | -12.20 | PAY | /roic <GO> |
| EV/EBITDA & P/E Valuation | 47.1x | 49.3x | -2.20 | RELY | /valuation <GO> |
| Free Cash Flow Yield | 5.67% | 3.98% | +1.69 | RELY | /fcf-yield <GO> |
| Operating Margin | 4.70% | 6.30% | -1.60 | PAY | /operating-margins <GO> |
| Net Profit Margin | 4.20% | 5.60% | -1.40 | PAY | /net-margins <GO> |
| Revenue Growth (YoY) | 29.40% | 37.30% | -7.90 | PAY | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.00% | 0.00 | TIE | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 6.91 | 25.80 | -18.89 | PAY | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 7/9 | +1.00 | RELY | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | — | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 52.0 | 51.6 | +0.40 | RELY | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | — | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 64.5x | 51.0x | +13.50 | PAY | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $5.22B | $4.06B | $1.15B | RELY | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | RELY REV | PAY REV | RELY GROSS % | PAY GROSS % | RELY FCF | PAY FCF |
|---|---|---|---|---|---|---|
| FY 2025 | $1.64B | $1.20B | — | 24.8% | $295.7M | $161.8M |
| FY 2024 | $1.26B | $871.7M | — | 27.3% | $105.6M | $63.2M |
| FY 2023 | $944.3M | $614.5M | — | — | $66.8M | $68.8M |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
RELY // BETA —
PAY // BETA —