Abstract
Remitly Global, Inc. will report fourth-quarter 2025 financial results on February 18, 2026 Post Market; investors anticipate solid top-line expansion alongside improving profitability metrics supported by scale efficiencies and product-led growth.Market Forecast
Consensus and company-guided indicators point to fourth-quarter 2025 revenue of $427.27 million, up 24.44% year over year, with forecast EBIT of $2.08 million, up 108.90% year over year, and forecast adjusted EPS of $0.017, up 119.23% year over year. Forecast margins have not been provided, but revenue growth is expected to be supported by continued customer expansion, disciplined acquisition spend, and leverage from operational scale. The principal revenue stream is anticipated to remain the core platform, where the projected total revenue of $427.27 million implies sustained year-over-year growth of 24.44% for the quarter.Last Quarter Review
In the third quarter of 2025, Remitly Global, Inc. delivered revenue of $419.49 million, gross profit margin of 58.73%, GAAP net profit attributable to the parent company of $8.83 million, net profit margin of 2.10%, and adjusted EPS of $0.04, which increased 300.00% year over year. A notable financial highlight was the quarter-on-quarter net profit expansion of 35.08%, reflecting improved operating leverage and a favorable mix of acquisition efficiency and retention dynamics. The main business highlight was total revenue rising 24.65% year over year to $419.49 million, aligning with broad-based customer growth and sustained transaction volumes through the period.Current Quarter Outlook (with major analytical insights)
Main Business: Revenue Scale, Efficiency, and Unit Economics
The company’s core revenue engine is positioned to deliver robust year-over-year progress, as indicated by the fourth-quarter estimate of $427.27 million, up 24.44%. Growth in active customers and repeated transactions generally supports revenue consistency, while ongoing refinements to onboarding, identity verification, and payment flows can help optimize conversion and retention. Marketing investments have historically been concentrated in efficient digital channels; the expected fourth-quarter performance suggests continued discipline in customer acquisition costs, aiding contribution margin expansion even amid elevated growth. Product improvements that reduce friction, enhance transparency, and expedite settlement typically translate to higher engagement, which can reinforce transaction frequency per customer and stabilizes the take-rate profile. Taken together, the balance of revenue growth and operational efficiency remains the central narrative for the quarter, with the quality of growth—measured by cost-to-acquire, payback periods, and cohorts—likely to be a focal point when results are released. While gross profit margin guidance has not been provided, the last quarter’s 58.73% offers a recent baseline that underscores the company’s pricing power and operational execution within its platform-based model.Most Promising Business: Profit Trajectory and Operating Leverage
The most promising lever into the quarter is profitability momentum, reflected in the forecast EBIT of $2.08 million, up 108.90% year over year, and adjusted EPS of $0.017, up 119.23%. These projections imply meaningful operating leverage as revenue scales, particularly through improvements in marketing efficiency and unit economics at mature customer cohorts. The sequential growth in GAAP net profit of 35.08% last quarter provides context for the trend line, suggesting that incremental overhead, risk operations, and compliance costs are being managed efficiently relative to top-line expansion. Execution on fraud prevention, chargeback mitigation, and payment-rail optimization can further reduce loss rates and support margin stabilization; these operational elements often hold outsize influence on quarterly profitability outcomes. The anticipated uplift in EPS, while modest in absolute terms, signals improved conversion of revenue to earnings and underscores the potential for future margin expansion as the company accrues benefits from scale and focuses on cost control in non-essential spend. Should the company reaffirm or improve guidance on profitability for upcoming periods, the market may interpret that as confirmation of sustainable operating leverage beyond seasonal effects.Key Stock-Price Sensitivities This Quarter
This quarter’s stock reaction will depend on several quantifiable and qualitative factors: revenue growth deliveries relative to the $427.27 million estimate, the durability of gross margin close to or above the recent 58.73% level, and the trajectory of earnings conversion relative to the $0.017 EPS forecast. The credibility of management’s commentary on acquisition efficiency, retention rates, and unit economics will shape investor sentiment toward medium-term margin potential, particularly if the quarter demonstrates that higher growth can coexist with disciplined spend. Additionally, clarity around operational initiatives—such as enhancements to the platform experience, accuracy and speed of disbursements, and safeguards against fraud—can influence expectations about loss ratios and net profit margin stability in coming periods. Investors will also parse any updated outlook for the first quarter of 2026 and the full year, looking for signals that the fourth quarter’s strength is not solely seasonal. Finally, the mix between new customer additions and increased activity from existing customers will be monitored, as it drives both marketing ROI and the degree of leverage achievable on overhead, informing views on earnings sustainability.Analyst Opinions
The prevailing view among institutions is bullish, as recent commentary shows a 100% favorable skew with no opposing calls in the period reviewed. Goldman Sachs reiterated a Buy rating with an $18.00 price target, highlighting confidence in consistent execution and a supportive profit trajectory rooted in scale efficiencies. William Blair also maintained a Buy rating, emphasizing the company’s track record of revenue growth and the path to improving margins as costs normalize against expanding volumes. BofA Securities initiated coverage with a Buy and an $18.00 price target, aligning with market expectations that near-term revenue and EPS trends are on a constructive course into the February 18, 2026 report. Cantor Fitzgerald entered with an Overweight rating and a $17.00 price target, noting the strength of recent performance and signaling expectations that fourth-quarter delivery should match or exceed the high-teens to mid-20s growth thresholds seen through 2025. Aggregated indications point to an average Buy rating and mean price targets clustered around $20.00 to $20.25, consistent with a thesis that combines steady top-line growth with improving operating leverage.The majority bullish case rests on several observable pillars heading into the quarter. First, the revenue forecast for $427.27 million, up 24.44% year over year, implies resilience in the core engine and the cumulative benefits of product and process refinements intended to lift engagement and retention. Second, forecast EBIT at $2.08 million and adjusted EPS at $0.017, up 108.90% and 119.23% year over year respectively, illustrate a credible path toward improved profitability, particularly if operating expenses grow slower than revenue. Third, last quarter’s net profit margin at 2.10% and the sequential net profit increase of 35.08% offer tangible markers of near-term momentum that analysts view favorably when assessing sustainability into 2026. The commentary from these institutions suggests that the market will be looking for corroboration that growth quality remains high—i.e., efficient acquisition, strong retention, and stable take rates—so that revenue scale translates to durable profitability.
Analysts will scrutinize two aspects of the print and call. One is whether gross profit margin remains near last quarter’s 58.73% baseline, which would validate pricing and cost controls at the platform level and reinforce the notion that rising volumes can coexist with stable unit profitability. The other is whether the EPS trajectory confirms the expected uplift, providing evidence that incremental improvements in fraud control, chargeback rates, and operational overhead are reducing frictions that can compress earnings conversion. Given the current signals, the consensus anticipates an in-line to better-than-expected quarter on the top line and a constructive outlook on profitability. If management provides a coherent narrative linking customer growth to long-term margin enhancement, analysts are likely to maintain or build upon their bullish stance, with valuation frameworks increasingly sensitive to the pace and consistency of earnings improvement rather than pure revenue acceleration alone.
Ultimately, the balance of commentary positions Remitly Global, Inc. for a supportive reaction around the results if the company validates the dual mandate of reliable growth and measured profitability gains. The majority outlook expresses confidence that the company can deliver on its fourth-quarter targets, and it anticipates reaffirmed guidance or color that sets up 2026 for continued scaling of earnings power. The breadth and alignment of buy-side and sell-side views—spanning reiterated Buys and fresh initiations—underscore a shared perspective that the current quarter can anchor a narrative of disciplined growth and margin progression, with the February 18, 2026 Post Market release serving as the next checkpoint for that thesis.
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