Stock Ratings / Consumer Discretionary / RELY / insiders

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Remitly Global Inc. (RELY) Insider, 13F Hedge Fund & Politician Buy/Sell Thermometer

$24.64 +1.53% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $24.66

Remitly Global Inc. (RELY) carries a Roarable Rating of C (Hold) with 64/100 RQD Confidence. The composite score sits in the neutral Hold band (59–69), meaning current holders don’t need to panic-sell while prospective buyers can wait for a move into the 70+ Buy zone.

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY) →

ROARABLE C • HOLD / WATCH Cap $5.22B

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $24.66 (+0.09%)🧬 Cannibal Buyback (-1.24% YoY Shares)⚙️ Cash Engine: 15/20 (B) • 18.1% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 64/100 (C) historically posted market-perform odds over rolling 90-day windows (+1.1% avg 90D alpha vs SPY • 55.2% hit rate — wait for RQD ≥ 70 breakout).

Audit Bucket Track Record →

RQD QUANT TACHOMETERHOLD / WATCH • C

2-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw C- · Rk B-

Each axis scored 0–20

12M PRICE TARGET CONE+2.7% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for RELY)Realized 20D OHLCV Swing Band: ±8%

Deterministic 5-Pillar Attribution (64/100 Composite)

🔍 WHY RELY SCORES 64/100 (C) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+16/20 pts (25% of score)

Altman Z-Score 6.91 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▲ #2 Bullish Driver: Cash Engine Quality+15/20 pts (23% of score)

SEC XBRL FY 2025 (10-K): 18.1% FCF Margin ($295.7M FCF) & 52% Gross Margin

▼ #1 Drag / Risk Factor: Whale & Options Positioning9/20 pts (-11 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-11 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade C$24.13+0.1% Next Q

Q2 (-2Q)

Grade C$24.16+2.7% Next Q

Q3 (-1Q)

Grade C$24.82-0.7% Next Q

Current

Grade C$24.64+1.1% Hist 90D α

Trajectory: C (56) → C (64)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the RELY Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 64/100 (C) score, RELY faces multiple-compression risk if 76.8x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Priced at 77x earnings—high expectations leave less room for a lukewarm quarter.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-1.24% YoY Shares) — any gross margin slip below 49.5% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($23.78) or 200D SMA ($20.54) invalidates the momentum regime and cuts Target Base ($25.31) toward Bear Floor ($19.74).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $RELY• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “RELY Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 64%NO 36%Trade / Inspect Odds →

SEC FORM 4 × 13F HEDGE FUNDS × CONGRESSIONAL STOCK ACT

RELY Smart-Money Thermometer: BALANCED INSTITUTIONAL POSITIONING

Explore All 13F & Congress Whales →

▲ Disclosed Buys: 0 ($0)▼ Disclosed Sales: 0 ($0)

Wide-Open SEC Form 4, 13F & Congressional Disclosure Ledger (RELY)

No recent open-market Form 4 cluster sales or emergency dumps flagged on RELY. Visit the Global 13F & Congressional Whale Ledger for cross-market smart-money filings.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Quantitative Research Desk

Scheduled RQD Strong Buys & Whale Accumulation Briefing (RELY Tape Review)

✓Breakdown of the highest-scoring RQD Green-Light breakouts across our 5,200+ rated universe
✓Forensic Red-Light accounting & dilution traps to review on your watchlist
✓Includes downloadable .ics calendar invite & nightly RQD rating-change email alerts

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

RELY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +12.56%📐 HORIZONTAL RANGE

2026-10-30O $24.42H $24.83L $23.87C $24.64VOL 1.93M

RES: $29.38SUP: $17.63SMA50: $23.78SMA200: $20.54

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

RELY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 RELY Butterfly Map → + Track RELY →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

48.0%/yr Implied 5Y Growth

vs. +29.4% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on RELY today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for RELY. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for RELY today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (RELY)

Consumer Discretionary Rank #299 of 1011 ⚔️ AMTM vs RELY Full Matrix →

1. Head-to-Head Consumer Discretionary Peer Comparison (RELY vs. AMTM, MBGL, XMTR, EXLS)

Industry: Business Services (90 Tracked Issuers)

Across 1011 tracked Consumer Discretionary securities in the Roarable RQD universe, Remitly Global Inc. (RELY) ranks #299 by composite RQD confidence (64/100, grade C) and #264 by equity capitalization ($5.22B). Within this direct 5-issuer industry benchmark cohort, EXLS leads on earnings valuation at 24.7x trailing P/E, while EXLS leads on capital efficiency and profitability with 23.4% ROIC and 38.4% gross margin. EXLS currently holds the highest overall quantitative score in the immediate peer group at 87/100 (A) compared with RELY at 64/100 (C).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
RELY ACTIVE Remitly Global Inc.	C	64/100	76.8x	—	12.7%	+1.53%	$5.22B	Benchmark Subject
AMTM Amentum Holdings Inc.	D+	55/100	81.8x	10.5%	4.6%	+1.75%	$5.40B	/amtm-vs-rely →
MBGL Mobility Global Inc.	D	51/100	32.8x	—	1.4%	+3.22%	$5.58B	/mbgl-vs-rely →
XMTR Xometry Inc.	D+	52/100	—	39.1%	-7.8%	+1.07%	$5.78B	/xmtr-vs-rely →
EXLS ExlService Holdings Inc.	A	87/100	24.7x	38.4%	23.4%	+0.98%	$6.20B	/exls-vs-rely →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001782170

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Remitly Global Inc. (RELY) reported GAAP revenue of $1.64B (+29.4% vs. FY2024 revenue of $1.26B , and +73.2% cumulative change since FY2023) , GAAP net income of $67.9M, operating cash flow of $325.1M, and free cash flow of $295.7M (+180.0% YoY). On the balance sheet, RELY closed FY2025 with $1.46B in total assets against $155.0M in total debt (Altman Z-Score: 6.91, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$1.64B	$67.9M	$325.1M	$295.7M	$1.46B	$155.0M
FY2024 (FY)	2024-12-31	$1.26B	-$37.0M	$111.6M	$105.6M	$1.01B	$0
FY2023 (FY)	2023-12-31	$944.3M	-$117.8M	$66.8M	$66.8M	—	—

3. RELY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is RELY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Remitly Global Inc. (NASDAQ: RELY) is rated C (Hold / HOLD) by Roarable's 5-pillar RQD engine with a composite confidence score of 64/100 at a spot price of $24.64 (+1.53% 1D, market cap $5.22B). Pillar breakdown: Fundamental Cash Engine 15/20, Institutional 13F & Options Flow 9/20, Executive Insider Alignment 16/20, FRED Macro Regime Fit 12/20, and SEC Balance-Sheet Forensics 12/20. Across 1011 tracked Consumer Discretionary issuers, RELY ranks #299 in composite RQD confidence.

How does RELY compare to AMTM and MBGL in the Consumer Discretionary sector?

Within the Consumer Discretionary sector (Business Services), RELY carries a Roarable C (64/100 RQD), trailing P/E of 76.8x, gross margin of —, and ROIC of 12.7%. By comparison, AMTM (Amentum Holdings Inc.) holds a D+ grade (55/100 RQD, P/E 81.8x, ROIC 4.6%, cap $5.40B) and MBGL (Mobility Global Inc.) posts a D grade (51/100 RQD, P/E 32.8x, ROIC 1.4%, cap $5.58B). Among the 5-stock peer group, EXLS leads on earnings multiple (24.7x) while EXLS leads on capital efficiency (23.4% ROIC).

What are the biggest fundamental strengths and SEC risk factors for RELY?

Per RELY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001782170), Remitly Global Inc. generated $1.64B in revenue (+29.4% YoY), $67.9M in net income, and $295.7M in free cash flow against $1.46B in total assets and $155.0M in total debt. Key quantitative strengths: Strong cash generator (steady margins)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Priced at 77x earnings—high expectations leave less room for a lukewarm quarter.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is RELY trading relative to its 50-day, 200-day, and 52-week technical levels?

RELY last traded at $24.64 (+1.53% on volume of 1,561,329 shares), positioning the stock +3.62% above its 50-day simple moving average ($23.78) and +19.96% above its 200-day simple moving average ($20.54). Across its 52-week range of $12.08 to $27.48, RELY sits at the 81.6% percentile with a 14-day RSI of 52.0 (NEUTRAL RANGE) and an implied next-earnings move of ±8.0% ($22.67 to $26.61).

RELY Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Are RELY insiders and hedge funds buying or selling?

Roarable's SEC Form 4 and 13F Whale Thermometer currently classifies RELY leadership and institutional positioning as: BALANCED INSTITUTIONAL POSITIONING.

Direct Sub-Reports: RELY RQD Cockpit RELY 12M Forecast RELY Earnings & Move RELY Dividends & DRIP RELY Insiders & 13F RELY Whale Options RELY Profit Sankey RELY News & Why