RELY at a glance
Remitly Global, Inc. (RELY, SEC CIK 1782170) filed its latest 10-K annual report on February 18, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on August 5, 2026 and Form 4 insider filings as recently as September 10, 2026. SignalX summarizes each filing with AI and tracks the company's insider trades and institutional holders.
- For the fiscal year ended December 31, 2025 (FY2025), Remitly Global, Inc. (RELY) reported revenue of $1.6 billion (up 29.4% from FY2024) and net income of $67.9 million. Diluted EPS was $0.31.
- As of June 30, 2026, 29 institutional investment managers tracked by SignalX reported holding Remitly Global, Inc. (RELY) shares worth $2.1 billion in 13F-HR filings.
- The most recent insider open-market sale reported on Form 4 was by Hug Joshua on September 9, 2026 of 5,500 shares at $24.30 per share.
- In the last 90 days, RELY insiders reported 0 open-market purchases ($0) and 23 open-market sales ($29.6M) on Form 4, a net sale of $29.6M.
Source: SEC EDGAR (XBRL financial data, 13F-HR and Form 4 filings).
- Revenue · FY2025
- $1.6B
- +29.4% vs prior year
- Insiders · 90 days
- 0 buys · 23 sells
- Net −$29.6M
- 13F holders
- 29 funds
- $2.1B · +0 vs prior quarter
- Latest 8-K
- Aug 5, 2026
- Item 2.02 · Item 7.01
AI 10-K Annual Report Analysis
Latest 10-K, fiscal year ended Dec 31, 2025
Business Overview
- Core business: Digital-first global cross-border money movement platform with 9.3M quarterly active users in 175+ countries
- New products emphasized: Remitly Flex (send now, pay later), Remitly Wallet and Card, and Remitly One loyalty program to deepen customer engagement
- Strategic shift: Expansion beyond low-amount senders to include high-amount senders, businesses, and receivers, leveraging same platform for broader cross-border financial services
- Notable metric: 2025 send volume $74.9B, up 37% YoY; active customers 9.3M, up 19% YoY
- Distinctive fact: AI-powered marketing transformation from single-product acquisition to multi-product engagement enhancing retention and unit economics
Risk Factors
- Compliance risk under anti-corruption, sanctions, and anti-money laundering laws with potential penalties and enforcement actions impacting financials
- Geopolitical and macroeconomic exposure in countries accounting for significant send volume facing rapid legal and enforcement changes
- Operational dependency on limited third-party payment processors and disbursement partners in certain regions risking service disruption
- Competitive pressure from neobanks and digital-first providers leveraging real-time payment technologies and cryptocurrency innovations
- Transaction losses of $84.2 million in 2025 (0.11% send volume) from fraud, errors, and misconduct increasing financial risk and reputational harm
Management Discussion & Analysis
- Revenue not explicitly stated, send volume $74.9B in 2025 vs. $54.6B in 2024, 37% YoY increase
- No direct operating margin or profitability % disclosed in MD&A
- Best segment: global money movement, majority of revenue, send volume growth from $54.6B to $74.9B
- Active customers 9.3M in 2025 vs 7.78M in 2024, 19% YoY growth driven by marketing efficiency, retention, product/geographic expansion
- Forward outlook focuses on customer acquisition, geographic/product expansion, disciplined marketing, AI-driven targeting to balance growth with profitability
AI summary of the RELY 10-K filed . Generated from the filing text; verify against the original.View on SEC EDGARHow to read a 10-K
AI 10-Q Quarterly Report Analysis
Latest 10-Q, quarter ended Jun 30, 2026
Management Discussion & Analysis
- Send volume $23.5B, up 27% YoY from $18.5B
- Active customers 10.2M, up 20% YoY from 8.5M
- Growth driven by new customers, retention, product expansion, and business accounts
- Marketing competition and acquisition spending identified as potential profitability headwinds
Risk Factors
- No material changes disclosed from the December 31, 2025 Form 10-K risk factors
- Equity concentration risk: $110.543 million remaining under the share-repurchase authorization
- Capital-allocation risk: 1.112 million shares repurchased during the quarter
- Market-price risk: Quarterly repurchases averaged $16.45–$21.73 per share
AI summary of the RELY 10-Q filed . Generated from the filing text; verify against the original.View on SEC EDGAR10-K vs 10-Q vs 8-K
AI 8-K Current Report Analysis
The most recent material events, by 8-K item
Item 2.02: Results of Operations and Financial Condition
- Q2 fiscal 2026 results released for quarter ended June 30, 2026
- Exhibit 99.1 contains the detailed financial results and management commentary
Item 7.01: Regulation FD Disclosure
- Investor presentation furnished August 5, 2026 through Remitly’s investor-relations website
- Exhibit 99.2 contains presentation materials potentially relevant to strategy, operating priorities, and investor expectations
Item 5.07: Submission of Matters to a Vote of Security Holders
- All three director nominees elected for terms expiring at the 2029 annual meeting
- Nigel Morris received 96,695,642 votes for and 43,646,440 withheld, signaling comparatively weaker shareholder support
Item 5.02: Departure/Appointment of Directors or Principal Officers
- Ankur Sinha resigning as Chief Product and Technology Officer effective June 19, 2026
- Departure not linked to disagreements over financial reporting or accounting policies
AI summaries of RELY 8-K current reports filed with the SEC. What 8-K item codes mean
SignalX for RELY
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Recent Insider Transactions (Form 4)
Latest reported trades by officers, directors and 10% owners
| Insider | Type | Date | Shares | Price |
|---|---|---|---|---|
| Hug Joshua | Sell | Sep 9, 2026 | 5,500 | $24.30 |
| Hug Joshua | Sell | Sep 8, 2026 | 5,500 | $25.03 |
| MORRIS NIGEL W | Sell | Sep 2, 2026 | 6,300 | $27.03 |
| Sharma Pankaj | Sell | Aug 28, 2026 | 21,000 | $26.39 |
| Mehta Vikas D | F | Aug 25, 2026 | 19,269 | $26.59 |
| Sharma Pankaj | F | Aug 25, 2026 | 15,788 | $26.59 |
| Mehta Vikas D | Sell | Aug 25, 2026 | 25,000 | $26.15 |
| Gunningham Sebastian J | F | Aug 25, 2026 | 22,809 | $26.59 |
Financial SummaryXBRL
| Metric | FY2023 | FY2024 | FY2025 |
|---|---|---|---|
| Profitability | |||
| Revenue | $944.3M | $1.3B | $1.6B |
| Operating Income | - | -$39.1M | $77.5M |
| Net Income | -$117.8M | -$37.0M | $67.9M |
| Op. Margin | - | -3.1% | 4.7% |
| Net Margin | -12.5% | -2.9% | 4.2% |
| Balance Sheet | |||
| Total Assets | - | $1.0B | $1.5B |
| Equity | - | $665.5M | $868.8M |
| ROE | - | -5.6% | 7.8% |
| Per Share | |||
| EPS | $-0.65 | $-0.19 | $0.31 |
| Cash Flow | |||
| Operating CF | - | $194.5M | $325.1M |
| CapEx | $2.9M | $6.0M | $29.4M |
Source: XBRL data in Remitly Global, Inc. (RELY)'s 10-K filings on SEC EDGAR, in USD. Compare across companies →
13F Fund Holdings: Quarterly Trend
Latest: Q2 2026Aggregate RELY share value held by 13F filers tracked by SignalX, by quarter.
Quarterly totals table
| Quarter | Funds | Total value |
|---|---|---|
| Q2 2026 | 29 | $2.10B |
| Q1 2026 | 29 | $1.05B |
| Q4 2025 | 26 | $779.3M |
| Q3 2025 | 26 | $1.11B |
| Q2 2025 | 27 | $1.28B |
| Q1 2025 | 23 | $795.8M |
| Q4 2024 | 20 | $667.1M |
| Q3 2024 | 16 | $171.0M |
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Source: 13F-HR filings on SEC EDGAR (aggregated from 196 fund-quarter rows). Reflects only 13F filers tracked by SignalX, not the full institutional ownership universe. How 13F filings work
RELY filing archive
AI analysis pages for each 10-K, 10-Q and 8-K
10-K annual reports
10-Q quarterly reports
Latest 2026 SEC Filings: 10-K, 10-Q, 8-K & Form 4
| Form | Filing date | Period | Analysis | SEC |
|---|---|---|---|---|
| 4 | Sep 10, 2026 | - | - | - |
| 4 | Sep 4, 2026 | - | - | - |
| 4 | Aug 31, 2026 | - | - | - |
| 4 | Aug 26, 2026 | - | - | - |
| 4 | Aug 26, 2026 | - | - | - |
| 4 | Aug 26, 2026 | - | - | - |
| 4 | Aug 26, 2026 | - | - | - |
| 4 | Aug 19, 2026 | - | - | - |
| 4 | Aug 17, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 13, 2026 | - | - | - |
| 4 | Aug 11, 2026 | - | - | - |
| 4 | Aug 11, 2026 | - | - | - |
| 10-Q | Aug 5, 2026 | Jun 30, 2026 | Analysis | |
| 8-K | Aug 5, 2026 | - | Analysis | - |
| 4 | Jul 17, 2026 | - | - | - |
| 4 | Jul 17, 2026 | - | - | - |
| 4 | Jun 30, 2026 | - | - | - |
| 4 | Jun 17, 2026 | - | - | - |
| 8-K | Jun 11, 2026 | - | Analysis | - |
| 4 | Jun 11, 2026 | - | - | - |
| 4 | Jun 11, 2026 | - | - | - |
| 4 | Jun 11, 2026 | - | - | - |
| 4 | Jun 11, 2026 | - | - | - |
| 4 | Jun 11, 2026 | - | - | - |
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RELY SEC filings: frequently asked questions
Are RELY insiders buying or selling?
In the last 90 days, Remitly Global, Inc. (RELY) officers, directors and 10% owners reported no open-market purchases and 23 open-market sales worth $29.6 million by 5 insiders on Form 4. Many insider sales are pre-planned or for taxes, so purchases usually carry more information.
Which institutions hold RELY stock?
As of June 30, 2026, the largest Remitly Global, Inc. (RELY) holders among the 13F filers tracked by SignalX were FMR LLC (Fidelity) ($487.7 million), BlackRock ($410.8 million), Vanguard Portfolio Management LLC ($231.3 million), Goldman Sachs Group ($191.1 million), Vanguard Capital Management LLC ($179.2 million). 13F-HR reports are filed up to 45 days after each quarter ends.
What was RELY's revenue in fiscal year 2025?
For the fiscal year ended December 31, 2025 (FY2025), Remitly Global, Inc. (RELY) reported revenue of $1.6 billion (up 29.4% from FY2024) and net income of $67.9 million. Diluted EPS was $0.31. The figures come from the XBRL data in the 10-K.
What are the main risks in RELY's latest 10-K?
In the 10-K filed February 18, 2026, Remitly Global, Inc. (RELY) flagged: Compliance risk under anti-corruption, sanctions, and anti-money laundering laws with potential penalties and enforcement actions impacting financials. Geopolitical and macroeconomic exposure in countries accounting for significant send volume facing rapid legal and enforcement changes. (AI summary of the Risk Factors section.)
What did RELY report in its latest 8-K?
Remitly Global, Inc. (RELY) filed an 8-K on August 5, 2026 reporting Item 2.02 (Results of Operations and Financial Condition) and Item 7.01 (Regulation FD Disclosure). Q2 fiscal 2026 results released for quarter ended June 30, 2026.
What are the latest RELY SEC filings?
Remitly Global, Inc. (RELY) filed its latest 10-K annual report on February 18, 2026, a 10-Q quarterly report on August 5, 2026, an 8-K current report on August 5, 2026 and a Form 4 insider filing on September 10, 2026.
What is RELY's SEC CIK number?
Remitly Global, Inc. (RELY)'s SEC Central Index Key (CIK) is 1782170. EDGAR lists every RELY filing under that number.
Ask anything about RELY
The research agent reads RELY's filings, financials, insider trades and 13F holders, then answers with sources.