Remitly’s Q4 Earnings Call: Our Top 5 Analyst Questions

Remitly’s Q4 Earnings Call: Our Top 5 Analyst Questions

Petr Huřťák

Wed, February 25, 2026 at 8:16 PM GMT+9 4 min read

In this article:

•                                       StockStory Top Pick 
  

  RELY

  -0.67%

Remitly’s fourth quarter results were met with strong approval from the market, reflecting both operational gains and robust customer growth. Management credited high-volume sender momentum and wider adoption of new products such as Flex and Remitly Business for driving send volume and revenue higher. CEO Matthew Oppenheimer emphasized the impact of AI-powered fraud prevention and efficiency measures on profitability, noting, “A recently upgraded fraud model, leveraging AI and integrated data across our platform, helped drive record low transaction losses.” The company also highlighted disciplined marketing spending and improved customer retention as additional contributors to outperformance.

Is now the time to buy RELY? Find out in our full research report (it’s free).

Remitly (RELY) Q4 CY2025 Highlights:

**Revenue:** $442.2 million vs analyst estimates of $427.3 million (25.7% year-on-year growth, 3.5% beat)

**Adjusted EPS:** $0.39 vs analyst estimates of $0.16 (significant beat)

**Adjusted EBITDA:** $88.58 million vs analyst estimates of $51.49 million (20% margin, 72.1% beat)

**Revenue Guidance for Q1 CY2026** is $437 million at the midpoint, above analyst estimates of $429.2 million

**EBITDA guidance for the upcoming financial year 2026** is $350 million at the midpoint, above analyst estimates of $310.9 million

**Operating Margin:** 8.8%, up from -1.1% in the same quarter last year

**Active Customers:** 9.3 million, up 1.5 million year on year

**Market Capitalization:** $3.41 billion

While we enjoy listening to the management’s commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention.

Our Top 5 Analyst Questions From Remitly’s Q4 Earnings Call

**Tien-Tsin Huang (JPMorgan)** asked incoming CEO Sebastian Gunningham how his experience would inform leading Remitly’s smaller, consumer-focused platform. Gunningham emphasized his payments and product leadership at Amazon and Santander, saying these roles prepared him for scaling Remitly’s business.

**Ramsey El-Assal (Cantor Fitzgerald)** questioned CFO Vikas Mehta about macroeconomic and regulatory impacts. Mehta responded that execution and product momentum, combined with customer resilience, helped Remitly “grow through” geopolitical and regulatory headwinds.

**Aditya Buddhavarapu (Bank of America)** requested more details on the cadence of revenue and margin guidance for 2026. Mehta explained that Q1 benefits from a new 1% remittance tax on cash, while full-year margins reflect both normalized transaction loss rates and increased investment in new products.

**William Nance (Goldman Sachs)** asked incoming CEO Gunningham about his planned areas of focus. Gunningham said he would prioritize accelerating product development velocity and tailoring offerings to both consumer and business segments.

**Alexander Markgraff (KBCM)** wanted insight on customer willingness to pay for Flex and Remitly One. Mehta noted Flex’s positive impact on wallet share and higher transaction volume among Flex users, with early data showing strong customer adoption and engagement.

 






Story Continues  

Catalysts in Upcoming Quarters

In the coming quarters, the StockStory team will be closely monitoring (1) the pace of adoption and revenue contribution from new products like Remitly credit and expanded Wallet features; (2) the effectiveness of AI investments in driving further efficiency and lowering fraud-related costs; and (3) continued momentum in acquiring high-amount senders and business customers across new geographies. Execution on these priorities will be pivotal to realizing Remitly’s medium-term growth targets.

Remitly currently trades at $16.10, up from $13.61 just before the earnings. Is there an opportunity in the stock?See for yourself in our full research report (it’s free for active Edge members).

The Best Stocks for High-Quality Investors

The market’s up big this year - but there’s a catch. Just 4 stocks account for half the S&P 500’s entire gain. That kind of concentration makes investors nervous, and for good reason. While everyone piles into the same crowded names, smart investors are hunting quality where no one’s looking - and paying a fraction of the price. Check out the high-quality names we’ve flagged in our Top 5 Growth Stocks for this month. This is a curated list of our High Quality stocks that have generated a market-beating return of 244% over the last five years (as of June 30, 2025).

Stocks that have made our list include now familiar names such as Nvidia (+1,326% between June 2020 and June 2025) as well as under-the-radar businesses like the once-micro-cap company Tecnoglass (+1,754% five-year return). Find your next big winner with StockStory today.

Terms and Privacy Policy

Privacy Dashboard

More Info