Remitly Global (RELY) Q3 2025 Earnings
Reported Nov 5, 2025 at 4:10 PM ET · SEC Source
Q3 25 EPS
$0.04
MISS 77.40%
Est. $0.18
Q3 25 Revenue
$419.5M
BEAT +1.39%
Est. $413.7M
vs S&P Since Q3 25
+44.2%
BEATING MARKET
RELY +55.6% vs S&P +11.4%
Market Reaction
Did RELY Beat Earnings? Q3 2025 Results
Remitly Global posted a mixed third quarter for fiscal 2025, beating on revenue but falling well short of profit expectations as the digital remittance company navigated the tension between accelerating growth and near-term earnings delivery. Revenue… Read more Remitly Global posted a mixed third quarter for fiscal 2025, beating on revenue but falling well short of profit expectations as the digital remittance company navigated the tension between accelerating growth and near-term earnings delivery. Revenue of $419.49 million grew 24.6% year over year, edging past the $413.73 million consensus estimate by 1.39%, fueled by a 35% surge in send volume to $19.50 billion and a 21% rise in quarterly active customers to 8.9 million. However, GAAP earnings per share of $0.04 missed the $0.18 consensus by a steep 77.40%, even as GAAP net income improved to $8.83 million from $1.92 million a year ago, and Adjusted EBITDA climbed to $61.18 million with a 14.6% margin. Despite the profit shortfall, management raised its full-year 2025 revenue outlook to $1.62 billion–$1.62 billion, reflecting 28% growth, and lifted Adjusted EBITDA guidance to $234 million–$236 million; the stock nonetheless touched a 52-week low, signaling that investors remain cautious about the pace of bottom-line improvement.
Key Takeaways
- • 35% year-over-year growth in send volume to $19.5 billion
- • 21% year-over-year growth in quarterly active customers to 8.9 million
- • 40% YoY growth in send volume for customers sending $1K+
- • 200 basis point YoY mix shift toward customers sending $1K+
- • Efficiencies in digital and brand marketing along with word of mouth
- • Product improvements driving lower customer support contact rates
- • Increasing automation including AI-driven virtual assistant
- • Rigorous discipline on hiring and non-headcount spend
RELY YoY Financials
Q3 2025 vs Q3 2024, source: SEC Filings
“In Q3, we built on the momentum from last quarter, delivering innovation across the product portfolio.”
— Matt Oppenheimer, Q3 2025 Earnings Press Release
RELY Earnings Trends
RELY vs Market 30 Day Price Reactions
30-day stock return vs benchmark after each earnings
RELY EPS Trend
Earnings per share: estimate vs actual
RELY Revenue Trend
Quarterly revenue: estimate vs actual
RELY Quarterly Results
4 quarters of earnings data
| Quarter | EPS Est. | EPS Act. | Surprise | Revenue | Rev. Surprise |
|---|---|---|---|---|---|
| Q1 26 MISS | $0.29 | $0.23 | -21.07% | $452.8M | +3.18% |
| Q4 25 BEAT FY | $0.16 | $0.19 | +20.56% | $442.2M | +3.49% |
| FY Full Year | — | $0.31 | — | $1.64B | — |
| Q3 25 MISS | $0.18 | $0.04 | -77.40% | $419.5M | +1.39% |
| Q2 25 MISS | $0.18 | $0.03 | -83.67% | $411.9M | +7.13% |