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 2.3 times as much as Western Union ($4.8B against $2.1B).
On earnings, Western Union is cheaper: it trades at 6.4× trailing earnings, against 13.9× for Remitly Global.
Remitly Global grew revenue faster over the last twelve months (23.0% versus −2.1% for Western Union).
Remitly Global keeps more of each dollar of sales as profit, with a net margin of 19.1% compared with 8.3% at Western Union.
Western Union pays a dividend yielding 14.0%; Remitly Global does not pay one.
Remitly Global scores higher on the StockData Score (15 against 11 for Western Union), which adds up 30 checks on valuation, growth, past performance, financial health and dividends.
Key numbers
A dot marks the better figure where higher or lower is clearly better.
| Metric | RELY | WU |
|---|---|---|
| Size and price | ||
| Market cap | $4.8B | $2.1B |
| Share price | $22.87 | $6.73 |
| Change, 1 year | 80.6% | −24.2% |
| Change, 5 years | −14.8% | −59.6% |
| Beta (5Y) | 1.09 | 0.62 |
| Employees | 3,200 | 9,600 |
| StockData Score | ||
| Total score | 15 (better) | 11 |
| Valuation score | 3 | 5 (better) |
| Growth score | 3 (better) | 0 |
| Performance score | 4 (better) | 1 |
| Health score | 5 (better) | 0 |
| Dividend score | 0 | 5 (better) |
| Valuation | ||
| P/E | 13.9× | 6.4× (better) |
| P/S | 2.5× | 0.5× (better) |
| P/B | 3.9× | – |
| EV/EBITDA | 16.4× | 1.8× (better) |
| P/FCF | 12.3× | 5.1× (better) |
| FCF yield | 8.1% | 19.7% (better) |
| Fair value | $32.95 | $19.26 |
| Margin of safety | 30.6% | 65.1% (better) |
| Growth | ||
| Revenue growth (TTM) | 23.0% (better) | −2.1% |
| Revenue growth, 5Y average | 44.8% (better) | −3.5% |
| Net income growth (TTM) | 1633% (better) | −56.7% |
| EPS growth (TTM) | 1733% (better) | −54.3% |
| EPS growth, 5Y average | – | −3.2% |
| Profitability | ||
| Gross margin | – | 34.1% |
| Operating margin | 12.0% | 14.2% (better) |
| Net margin | 19.1% (better) | 8.3% |
| FCF margin | 20.8% (better) | 10.3% |
| Return on equity | 35.9% | – |
| Return on invested capital | 51.8% | – |
| Financial health | ||
| Debt / equity | 0.00 | – |
| Net debt / EBITDA | −2.61 | – |
| Interest coverage | 21.6× (better) | 3.8× |
| Current ratio | 3.50 | – |
| Altman Z-score | 9.00 (better) | 0.89 |
| Piotroski F-score | 6 (better) | 5 |
| Dividends and buybacks | ||
| Dividend yield | – | 14.0% |
| Payout ratio | – | 90.1% |
| Years of dividend growth | – | 0 |
| Dividend growth, 5Y average | – | 0.87% |
| Buyback yield | 1.9% | 4.4% (better) |
| Shareholder yield | 1.9% | 18.3% (better) |
| Ownership | ||
| Held by institutions | 87.4% | 96.0% |
| Held by insiders | 18.7% | 1.6% |
| Insider net buying, 12 months | −$234M | −$241K (better) |
| Superinvestors holding | – | 1 |
| Short interest, % of float | 11.2% | 19.6% |
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.