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Remitly Global

Remitly Global (RELY) Q4 2025 Earnings

Reported Feb 18, 2026 at 4:08 PM ET · SEC Source

Q4 25 EPS

$0.19

BEAT +20.56%

Est. $0.16

Q4 25 Revenue

$442.2M

BEAT +3.49%

Est. $427.3M

vs S&P Since Q4 25

+26.8%

BEATING MARKET

RELY +35.9% vs S&P +9.1%

Full Year 2025 Results

FY 25 EPS

$0.31

FY 25 Revenue

$1.64B

Market Reaction

Did RELY Beat Earnings? Q4 2025 Results

Remitly Global closed Q4 2025 with a clear beat on both top and bottom lines, as the digital remittance company posted earnings per share of $0.19 against a consensus estimate of $0.16, a 20.56% beat, while revenue of $442.18 million topped estimates… Read more Remitly Global closed Q4 2025 with a clear beat on both top and bottom lines, as the digital remittance company posted earnings per share of $0.19 against a consensus estimate of $0.16, a 20.56% beat, while revenue of $442.18 million topped estimates of $427.27 million by 3.49% and grew 25.7% year over year. The profitability story was arguably more striking: Remitly recorded GAAP net income of $41.22 million in the quarter, compared to a net loss of $5.72 million a year ago, as operating leverage spread across all expense categories and Adjusted EBITDA margins expanded to 20.0% from 12.7% in the prior-year period. Operationally, active customers rose 19% to 9.3 million while send volume surged 35% to $20.80 billion, with high-amount senders now comprising roughly half of total volume. The quarter also brought a leadership transition, with co-founder Matt Oppenheimer stepping aside as CEO in favor of Sebastian Gunningham, a move analysts characterized as part of Remitly's push toward a broader cross-border financial services platform. Looking ahead, management guided fiscal 2026 revenue of $1.94 billion to $1.96 billion, representing 19-20% growth, with Adjusted EBITDA of $340 million to $360 million.

Key Takeaways

  • • Active customers grew 19% YoY to 9.3 million
  • • Send volume grew 35% YoY to $20.8 billion in Q4
  • • High amount senders (>$1K) saw 40%+ volume growth, comprising ~50% of send volume
  • • Very high amount senders (>$10K) saw 105% volume growth in Q4
  • • Record low fraud loss rates as a percentage of send volume
  • • Lower transaction expenses reflecting improved network economics
  • • Operating leverage across customer support, technology, and G&A expense lines
  • • Brand marketing investments aiding word of mouth and unpaid acquisition
24/7 Wall St

RELY YoY Financials

Q4 2025 vs Q4 2024, source: SEC Filings

“We ended 2025 with very strong results, exceeding our guidance for both revenue and Adjusted EBITDA. These exceptional results and the strategic accomplishments realized in 2025 create the right moment to accelerate execution with a new leader.”

— Matt Oppenheimer, Q4 2025 Earnings Press Release

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