Equity Profile

RELY

Remitly Global, Inc.

FinancialsTransaction & Payment Processing Services$4.0B

Aug5Wed

Pre-Earnings Brief

UpcomingQ2-2026After Close5:00 PM EDT

Company Snapshot

Remitly Global, Inc. is a financial services company that specializes in transaction and payment processing services, primarily focusing on remittances....

Key Metrics to Watch

Transaction Volume

This metric indicates the total amount of money processed through Remitly, reflecting customer demand and business growth.

N/A

Active Customers

The number of active customers is vital for understanding user engagement and the company's market penetration.

N/A

1 more metrics, Wall Street expectations, options signals, track record, and call prep available with Pro.

RELY Q2-2026 Earnings Preview

Context

Company Snapshot

Remitly Global, Inc. is a financial services company that specializes in transaction and payment processing services, primarily focusing on remittances. As a player in the financial sector, it plays a crucial role in facilitating cross-border money transfers, which is increasingly important in a globalized economy.

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

88%

Avg EPS Surprise

+208.47%

Avg Stock Reaction

+0.47%

Last Quarter Recap

In Q1 2026, Remitly reported an earnings per share (EPS) of $0.23, significantly beating expectations of $0.12. However, revenue figures were not disclosed, leaving some uncertainty about overall performance.

Management Promises & Guidance

Focus on expanding international markets.
Enhance customer experience through technology improvements.
Commitment to maintaining strong operational efficiency.

Expectations

Wall Street Expectations

Investors are cautiously optimistic ahead of the upcoming earnings report, especially given the company's strong EPS surprises in recent quarters. However, the lack of revenue guidance raises questions about overall growth.

Bull Case

If Remitly continues its trend of beating EPS estimates and shows strong transaction volume growth, it could signal robust demand for its services, leading to a positive market reaction.

Bear Case

Conversely, if the company fails to provide clear revenue growth metrics or if transaction volumes decline, it may lead to a negative reassessment of its growth potential.

Expectations

Two Questions That Matter

The print will turn on these two things.

What is the transaction volume growth compared to last quarter?

Transaction volume is a key indicator of customer demand and overall business health, which investors will closely monitor.

How many active customers does Remitly have this quarter?

The number of active customers will provide insight into user engagement and market penetration, critical for assessing future growth.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating Remitly's potential for transaction volume growth based on recent trends in the remittance market, which could be more resilient than anticipated.

Supporting Evidence

Recent trends indicate a growing demand for digital remittance services, which could benefit Remitly.

The company has consistently beaten EPS estimates, suggesting stronger operational performance than expected.

Insider selling may indicate a shift in strategy rather than a lack of confidence in the company's future.

Key Risk

If transaction volume growth exceeds 15%, it could significantly alter market perceptions and expectations.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance hinges on Remitly's ability to sustain growth in a competitive market, especially in terms of transaction volume and customer engagement.

Bull Confirmed If

Transaction volume growth of 15% or more compared to the previous quarter would confirm the bull case.

Bear Confirmed If

A decline in active customers or transaction volume growth below 5% would support the bear case.

Pre-Earnings Positioning

Options Market

Implied Move

±25.92%

Historical Avg

±1.7%

Pricing rich

The options market is pricing in a significant move, suggesting that traders expect volatility around the earnings announcement.

Options are pricing ±25.9% while RELY has averaged ±1.7% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.5%

30d HV

42.7%

Calls (87K)P/C Ratio: 0.37Puts (5K)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter beat + options rich in Financials

n=30

Fade rate: 12 of 25 (48%)

This setup has occurred 30 times across Financials in the last 2 years. 12 of 25 faded and 13 held — no strong directional bias after the initial reaction. The average absolute 1-day move is 2.4%, with a raw directional average of -0.0% (roughly flat historical bias).

Edge

Insider Activity

Open-market trades by officers, directors, and 10%+ holders over the trailing 90 days.

Bought

$0.00

0 sh

0 insiders

Sold

$2.1M

109,976 sh

4 insiders

Net

$2.1M

Net selling

Most Active Insiders· 8 open-market trades

Insider

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Remitly beats expectations and raises guidance, history suggests the stock could rise by around 0.41% on the following day.

In-Line / Cautious

If results are in line but management provides cautious commentary, the stock may experience muted movement as investors digest the information.

Miss

If the company misses expectations, history suggests a potential decline of around 1.75%, reflecting disappointment in growth prospects.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Details on transaction volume growth compared to last quarter.
2Updates on the number of active customers and any changes in customer engagement strategies.
3Insights into new market expansions or product offerings.
4Any commentary on competitive pressures and how Remitly plans to address them.
5Management's outlook on the remittance market and anticipated trends.

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Company Snapshot

Remitly Global, Inc. is a financial services company that specializes in transaction and payment processing services, primarily focusing on remittances....

Key Metrics to Watch

Transaction Volume

This metric indicates the total amount of money processed through Remitly, reflecting customer demand and business growth.

N/A

Active Customers

The number of active customers is vital for understanding user engagement and the company's market penetration.

N/A

1 more metrics, Wall Street expectations, options signals, track record, and call prep available with Pro.

RELY Q2-2026 Earnings Preview

Context

Company Snapshot

Earnings Scorecard·Last 8Q

EPS Beat Streak

EPS Beat Rate

88%

Avg EPS Surprise

+208.47%

Avg Stock Reaction

+0.47%

Last Quarter Recap

Management Promises & Guidance

Focus on expanding international markets.
Enhance customer experience through technology improvements.
Commitment to maintaining strong operational efficiency.

Expectations

Wall Street Expectations

Bull Case

If Remitly continues its trend of beating EPS estimates and shows strong transaction volume growth, it could signal robust demand for its services, leading to a positive market reaction.

Bear Case

Conversely, if the company fails to provide clear revenue growth metrics or if transaction volumes decline, it may lead to a negative reassessment of its growth potential.

Expectations

Two Questions That Matter

The print will turn on these two things.

What is the transaction volume growth compared to last quarter?

Transaction volume is a key indicator of customer demand and overall business health, which investors will closely monitor.

How many active customers does Remitly have this quarter?

The number of active customers will provide insight into user engagement and market penetration, critical for assessing future growth.

Edge

What the Street Is Missing

Why consensus could be wrong

The Street may be underestimating Remitly's potential for transaction volume growth based on recent trends in the remittance market, which could be more resilient than anticipated.

Supporting Evidence

Recent trends indicate a growing demand for digital remittance services, which could benefit Remitly.

The company has consistently beaten EPS estimates, suggesting stronger operational performance than expected.

Insider selling may indicate a shift in strategy rather than a lack of confidence in the company's future.

Key Risk

If transaction volume growth exceeds 15%, it could significantly alter market perceptions and expectations.

Edge

Thesis-Break Levels

Pre-commit to what would confirm each case.

This quarter's performance hinges on Remitly's ability to sustain growth in a competitive market, especially in terms of transaction volume and customer engagement.

Bull Confirmed If

Transaction volume growth of 15% or more compared to the previous quarter would confirm the bull case.

Bear Confirmed If

A decline in active customers or transaction volume growth below 5% would support the bear case.

Pre-Earnings Positioning

Options Market

Implied Move

±25.92%

Historical Avg

±1.7%

Pricing rich

The options market is pricing in a significant move, suggesting that traders expect volatility around the earnings announcement.

Options are pricing ±25.9% while RELY has averaged ±1.7% over the last 8 prints — setup is pricing rich.

Detail

ATM IV

0.5%

30d HV

42.7%

Calls (87K)P/C Ratio: 0.37Puts (5K)

Edge

Historical Setup Match

Cross-company pattern from 30 similar setups.

Prior-quarter beat + options rich in Financials

n=30

Fade rate: 12 of 25 (48%)

Edge

Insider Activity

Open-market trades by officers, directors, and 10%+ holders over the trailing 90 days.

Bought

$0.00

0 sh

0 insiders

Sold

$2.1M

109,976 sh

4 insiders

Net

$2.1M

Net selling

Most Active Insiders· 8 open-market trades

Insider

Preparation

Post-Print Playbook

Likely market behavior by outcome — not investment advice.

Beat & Raise

If Remitly beats expectations and raises guidance, history suggests the stock could rise by around 0.41% on the following day.

In-Line / Cautious

If results are in line but management provides cautious commentary, the stock may experience muted movement as investors digest the information.

Miss

If the company misses expectations, history suggests a potential decline of around 1.75%, reflecting disappointment in growth prospects.

Earnings Track Record

Preparation

What to Listen For

Call Prep

1Details on transaction volume growth compared to last quarter.
2Updates on the number of active customers and any changes in customer engagement strategies.
3Insights into new market expansions or product offerings.
4Any commentary on competitive pressures and how Remitly plans to address them.
5Management's outlook on the remittance market and anticipated trends.