Remitly Global vs Western Union
RELY and WU side by side, both in miscellaneous business services. Figures are trailing twelve months unless noted, from SEC filings and end-of-day prices.
How RELY and WU compare
Remitly Global is the larger company, worth 2.7 times as much as Western Union ($5.1B against $1.9B).
On earnings, Western Union is cheaper: it trades at 5.0× trailing earnings, against 17.4× for Remitly Global.
Remitly Global grew revenue faster over the last twelve months (23.8% versus −1.6% for Western Union).
Remitly Global keeps more of each dollar of sales as profit, with a net margin of 16.9% compared with 9.8% at Western Union.
Western Union pays a dividend yielding 15.3%; Remitly Global does not pay one.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | RELY | WU |
|---|---|---|
| Size and price | ||
| Market cap | $5.1B | $1.9B |
| Share price | $24.15 | $6.16 |
| Change, 1 year | 48.3% | −35.4% |
| Change, 5 years | −29.0% | −66.0% |
| Beta (5Y) | 1.07 | 0.65 |
| Employees | 3,200 | 9,600 |
| StockData Score | ||
| Total score | 13 | 13 |
| Valuation score | 1 | 6 (better) |
| Growth score | 3 (better) | 0 |
| Performance score | 4 (better) | 1 |
| Health score | 5 (better) | 0 |
| Dividend score | 0 | 6 (better) |
| Valuation | ||
| P/E | 17.4× | 5.0× (better) |
| P/S | 2.8× | 0.5× (better) |
| P/B | 4.5× | – |
| EV/EBITDA | 22.6× | 1.6× (better) |
| P/FCF | 13.2× | 3.4× (better) |
| FCF yield | 7.6% | 29.4% (better) |
| Fair value | $24.10 | $21.08 |
| Margin of safety | −0.19% | 70.8% (better) |
| Growth | ||
| Revenue growth (TTM) | 23.8% (better) | −1.6% |
| Revenue growth, 5Y average | 44.8% (better) | −3.5% |
| Net income growth (TTM) | 2066% (better) | −55.9% |
| EPS growth (TTM) | 2217% (better) | −53.6% |
| EPS growth, 5Y average | – | −3.2% |
| Profitability | ||
| Gross margin | – | 35.1% |
| Operating margin | 9.5% | 15.9% (better) |
| Net margin | 16.9% (better) | 9.8% |
| FCF margin | 21.4% (better) | 14.0% |
| Return on equity | 32.2% | – |
| Return on invested capital | 48.5% | – |
| Financial health | ||
| Debt / equity | 0.00 | – |
| Net debt / EBITDA | −3.42 | – |
| Interest coverage | 16.7× (better) | 4.3× |
| Current ratio | 3.18 | – |
| Altman Z-score | 8.97 (better) | 0.92 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | – | 15.3% |
| Payout ratio | – | 76.6% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | 0.87% |
| Buyback yield | 1.7% | 7.4% (better) |
| Shareholder yield | 1.7% | 22.7% (better) |
| Ownership | ||
| Held by institutions | 87.4% | 96.0% |
| Held by insiders | 18.7% | 1.6% |
| Insider net buying, 12 months | −$234M | −$151K (better) |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 11.6% | 19.1% |
Go deeper
- RELY stock overview
- RELY income statement
- RELY valuation and score
- WU stock overview
- WU income statement
- WU valuation and score
For information only, not investment advice. Check the source filings before relying on any figure.