Remitly Global, Inc. (RELY) Fair Value 2026

RELY · Software - Infrastructure ·

By CirclFi Research Team · Data from SEC EDGAR, FRED & GDELT

Quality Score

8.3 /10

32 fundamental signals · 9 models active

Value Trap Risk

LOW (30/100)

Quick Summary — As of 2026-08-28, Remitly Global, Inc. (RELY) trades at $26.55, versus a $20.24 median fair value across its 9 active models — 23.7% below the current price. QOC: 8.3/10. Value Trap Risk: 30/100 (LOW). 9/13 models active. Within that set, the Bayesian DCF component alone returns $32.49.

Key Facts

Ticker
RELY
Price
$26.55
Quality Score
8.3/10
Value Trap Risk
30/100
Models Active
9/13
Last Updated
Strength: ML-RIV suggests +28.4% upside with 52% confidence
Risk: Limited model coverage (9/13) may reduce confidence

Is Remitly Global, Inc. (RELY) Undervalued or Overvalued in 2026?

According to CirclFi’s 9-model valuation engine, Remitly Global, Inc. (RELY) appears overvalued as of : the median of 9 independent fair value estimates is $20.24, 23.7% below the current price of $26.55. Estimates range from $10.79 to $34.08. RELY scores 8.3/10 on fundamental quality and 30/100 on value-trap risk.

For context, the median US equity CirclFi rates trades at an implied -23.4% versus its own 13-model consensus, across 3,809 rated companies as of 2026-08-28. RELY’s -23.7% gap is wider than that market norm, and the Software - Infrastructure sector median is -23.2%. Full market index →

This verdict compares price to intrinsic value only — it is not a buy or sell rating. For the decision case (bull vs bear arguments, risk factors, peers), read Should You Buy Remitly Global, Inc. Stock in 2026? →

What Fair Value Does Each Model Give RELY?

9 Intrinsic Value Models vs. Current Price ($26.55)

Core Models (Unlocked)
Model Fair Value Upside
Intrinsic · High Conviction
 $32.49 +22.4%
Ensemble · Medium Conviction
 $21.42 -19.3%
Scenario · High Conviction
 $12.64 -52.4%
Intrinsic · High Conviction
 $34.08 +28.4%
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What Is RELY's Fair Value Range?

Spread across 9 independent models · $10.79 to $34.08

CirclFi's 9 active models place Remitly Global, Inc. (RELY) between $10.79 and $34.08 per share, a spread of 115% of the median. The median of that range — $20.24 — is the fair value CirclFi publishes for RELY, against a current price of $26.55.

Low · Sentiment SOTPHigh · ML-RIV
$10.79median $20.24$34.08
Where the range comes from
Most bearish modelSentiment SOTP$10.79
Most bullish modelML Residual Income$34.08
Model agreement2 bullish · 7 bearishwide

A band this wide is itself the finding. When independent methods land far apart, they are reading a business whose value depends heavily on which lens you apply — volatile earnings, heavy reinvestment, or an asset base that cash-flow and asset-based methods score differently. That disagreement is information: it says the choice of method matters more than usual for RELY. Treat the median as one reading among several and compare the individual models below before acting.

Every figure above is one model's standalone output on RELY, not a CirclFi price target. How each model works →

What Is Remitly Global, Inc. (RELY) Worth in 2026?

According to the CirclFi Deep Alpha Valuation Engine, Remitly Global, Inc.'s intrinsic value is estimated at $20.24. Trading at its current price of $26.55, the valuation engine raises significant caution: 7 of 9 models flag downside risk, projecting a median implied return of -23.7%. Notably, ML-RIV sees the most upside at +28.4% (fair value: $34.08), while Sentiment SOTP is the most conservative at -59.3% ($10.79). The spread between these extremes — +87.7% — reveals how different analytical frameworks can reach starkly different conclusions.

What Do the Models Say About RELY?

9 of 13 models are currently active for RELY. Of these, 2 models suggest upside while 7 models suggest overvaluation. Taken together, their median fair value for RELY is $20.24 — the figure CirclFi publishes as this stock's fair value. One component of that median, the Bayesian DCF, returns $32.49 on its own, implying +22.4% upside from the current price. See which stocks rank higher →

How Does RELY Rank in Software - Infrastructure?

Among 189 Software - Infrastructure stocks, RELY ranks #37 by Quality of Company score. CirclFi's QOC score of 8.3/10 evaluates 32 fundamental signals. A score of 8.3 places RELY in the top tier.

See all Most Undervalued Software - Infrastructure Stocks →

Remitly Global, Inc.'s positioning within the Software - Infrastructure segment means that annual recurring revenue (ARR) plays an outsized role in fundamental analysis. The sector's unique characteristics — including platform stickiness — shape both the opportunity set and risk profile.

Is RELY a Value Trap?

CirclFi's Value Trap algorithm assigns RELY a score of 30/100 (LOW). This indicates low risk. The financial profile does not exhibit typical value trap warning signs. The score cross-references apparent undervaluation against fundamental deterioration signals. Browse lowest value-trap stocks →

Multi-Model Methodology

9 of 13 models are active for Remitly Global, Inc.. Moderate coverage provides meaningful perspective. Each model applies a fundamentally different valuation philosophy. See the complete methodology →

According to the CirclFi Quality of Company (QOC) framework, Remitly Global, Inc. earns a quality score of 8.3/10. This robust rating reflects the company's standing across 32 fundamental signals spanning profitability, growth consistency, balance sheet strength, and capital allocation efficiency.

The gap between the most bullish and bearish model spans +87.7% — demonstrating why single-model analysis is dangerous. Browse all stocks with 13-model coverage →

Data Sources & Confidence

Every RELY valuation is built from SEC EDGAR XBRL filings — 700+ standardized financial tags. Macroeconomic context from FRED calibrates discount rates, while GDELT news sentiment feeds into our Sentiment SOTP model. All pipelines run daily. Read the complete data methodology →

Across RELY's 9 active models, average confidence is 44%. Lower confidence may reflect limited history or high volatility.

CirclFi's output is a research starting point, not a buy/sell signal. All data updates daily. Read the full methodology →

This analysis is produced by the CirclFi Valuation Engine using quantitative models applied to SEC EDGAR filings, public market feeds, and FRED macroeconomic indicators. It is not financial advice.

Read the full investment analysis: Should You Buy Remitly Global, Inc. Stock in 2026? →

Bull case, bear case, risk factors & peer comparison — updated daily

Which Similar Software - Infrastructure Stocks Should You Also Analyze?

11 related Software - Infrastructure stocks with 13-model coverage

FLYWFlywire CorporationQOC 8.3EEFTEuronet Worldwide, Inc.QOC 8.3ORCLOracle CorporationQOC 8.3BBBlackBerry LimitedQOC 8.3TDCTeradata CorporationQOC 8.3ZSZscaler, Inc.QOC 8.2AIOTPowerFleet, Inc.QOC 6.3WHENWorld Health Energy Holdings, Inc.QOC 5.2CLBTCellebrite DI Ltd.QOC 3.0FTNTFortinet, Inc.QOC 9.7QLYSQualys, Inc.QOC 9.7

Read investment analysis: FLYW · EEFT · ORCL · BB · TDC · ZS · AIOT · WHEN · CLBT · FTNT · QLYS

Which Other Stocks Have a Similar Quality Score to RELY?

7 companies across all industries closest to RELY’s Quality of Company score of 8.3/10.

OOMAOoma, Inc.QOC 8.3ACADACADIA Pharmaceuticals Inc.QOC 8.3BROBrown & Brown, Inc.QOC 8.3OPRXOptimizeRx CorporationQOC 8.3CIENCiena CorporationQOC 8.3CTBICommunity Trust Bancorp, Inc.QOC 8.3NVDANVIDIA CorporationQOC 10.0

Read investment analysis: OOMA · ACAD · BRO · OPRX · CIEN · CTBI · NVDA

Where Does RELY Sit in CirclFi's Software - Infrastructure Rankings?

RELY is ranked against every other Software - Infrastructure stock CirclFi covers in each of these screens.

See all Software - Infrastructure stocks ranked →

What Else Do Investors Ask About Remitly Global, Inc.’s Valuation?

What is Remitly Global, Inc.'s intrinsic value in 2026?

CirclFi puts Remitly Global, Inc. (RELY)'s intrinsic value at $20.24 — the median of 9 independent model estimates as of 2026-08-28, ranging from $10.79 to $34.08. One component of that median, the Bayesian DCF, runs 10,000 Monte Carlo simulations with jump-diffusion and returns $32.49 on its own. The Quality of Company score is 8.3/10 across 32 fundamental signals. All models use SEC EDGAR filings updated daily. See our methodology page for how each model works.

Is RELY overvalued or undervalued right now?

At $26.55, 2 of 9 active models suggest RELY may be undervalued, while 7 indicate potential overvaluation. The median of all 9 fair value estimates is $20.24, 23.7% below the current price of $26.55 — a consensus view that RELY is overvalued. The assessment depends on which methodology best fits Remitly Global, Inc.'s business model in Software - Infrastructure.

What does a Quality of Company score of 8.3 mean for RELY?

Remitly Global, Inc.'s QOC of 8.3/10 reflects 32 fundamental signals: profitability margins, revenue growth consistency, balance sheet leverage, free cash flow generation, and capital allocation efficiency. Scores above 7 indicate strong fundamentals and disciplined management.

How many valuation models does CirclFi run on RELY?

CirclFi analyzes RELY with 13 institutional-grade models daily: Bayesian DCF (Monte Carlo + jump-diffusion), EPV (Greenwald zero-growth), EROIC Spread (McKinsey reinvestment), First Chicago (3-scenario), Markov DDM (regime-switching), ML-RIV (machine learning residual income), Dynamic NAV (asset-based), PWERM (option-theoretic), Regime Cross-Sectional (relative), Sentiment SOTP (hybrid), CUCE Ensemble (meta-model), FTNN Topology (neural network), and RCMH-DCF (conditional regime). Currently 9 of 13 are active for this stock. Read the full methodology →

Which valuation models are most bullish and most bearish on RELY?

Of the 9 models currently active on RELY, ML Residual Income is the most bullish at $34.08 per share, and Sentiment SOTP is the most bearish at $10.79. CirclFi's published fair value for RELY is the median of that range, $20.24, not either extreme. The gap between the two ends equals 115% of the median — a wide spread, meaning the methods genuinely disagree and the median should carry less weight. Browse stocks by value-trap risk →

Is RELY a value trap in 2026?

Remitly Global, Inc.'s Value Trap score is 30/100 (LOW). This low score indicates the current valuation is not artificially depressed by fundamental deterioration, suggesting genuine opportunity rather than a trap.

Cite this analysis — “According to CirclFi’s 9-model valuation engine, Remitly Global, Inc. (RELY) has a median fair value of $20.24 — 23.7% below the current price of $26.55 — as of 2026-08-28.” Source: circlfi.com/stock/RELY/ · Methodology
Primary sources for this RELY valuation
  • Financial statements: Remitly Global, Inc. 10-K and 10-Q filings on SEC EDGAR (CIK 0001782170) — 700+ standardized XBRL tags, published by the U.S. Securities and Exchange Commission.
  • Discount-rate inputs: FRED, Federal Reserve Bank of St. Louis — risk-free rates, VIX, yield curve, inflation.
  • News sentiment: The GDELT Project — global media tone, input to the Sentiment SOTP model.
  • Model definitions: CirclFi methodology — the published specification for all 13 models, including the academic sources each one implements.

Market data for RELY as of ; valuations recomputed .

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