LIVE
RELY
Remitly Global, Inc. · Technology - Consumer Remittance / Fintech
$21.10
+1.10% this month
VERSUS
⟷
COMPARE
PAYO
Payoneer Global Inc. · Technology - B2B Cross-Border Payments
$7.02
+46.25% this month
Scoreboard verdict
Across AI score, momentum, valuation, upside, operating margin
RELY
2
PAYO
2
Comparison scoreboard
MIXED SETUPAI Score
RELY 22.7
PAYO ✓23.6
1Y Return
RELY +2.78%
PAYO ✓+7.50%
Fwd P/E
RELY ✓12.79
PAYO 18.74
Target Up.
RELY ✓+35.33%
PAYO +5.41%
Op. Margin
RELY N/A
PAYO N/A
Metrics last refreshed: 6/20/2026
Quick take
RELY vs PAYO Stock Comparison: AI Score, Valuation, Performance and Upside
RELY (Remitly) serves immigrant consumers sending money internationally for family support — a consumer-facing, price-sensitive, high-volume remittance business, while PAYO (Payoneer) serves marketplace sellers, freelancers, and SMBs with B2B cross-border payment infrastructure. Both address international money movement but with different customer types, revenue models, and competitive dynamics.
RELY vs PAYO contrasts consumer digital remittance (Remitly's immigrant-focused money transfer service) against B2B cross-border payment infrastructure (Payoneer's marketplace seller and freelancer payment platform).
Live analysis · updated 6/20/2026
RELY and PAYO are closely matched — they split the tracked metrics evenly. PAYO has delivered stronger 1-year price return (+7.50% vs +2.78%), though RELY trades at the lower forward P/E (12.79x vs 18.74x). Analyst consensus implies meaningfully more upside for RELY (+35.33%) than for PAYO (+5.41%).
Normalized 1Y performance
RELY
PAYO
Recent returns
RELY
PAYO
Analyst price targets & sentiment
RELY · 9 analysts
Price target range
analyst low$26.00
analyst high$33.00
analyst mean$28.56
current price$21.10
+35.3% upside to analyst mean
PAYO · 4 analysts
STRONG BUYHOLDSTRONG SELL
Hold (2.6/5.0)
Price target range
analyst low$7.40
analyst high$7.40
analyst mean$7.40
current price$7.02
+5.4% upside to analyst mean
Who should consider this stock?
RELY may suit investors who:
- →Want digital consumer remittance exposure through a mobile-first platform targeting the large immigrant community cross-border payment market
- →Value Remitly's brand loyalty and competitive pricing against traditional remittance operators like Western Union and MoneyGram
- →See digital disruption of consumer remittance as a multi-year opportunity as mobile penetration grows in sending and receiving markets
PAYO may suit investors who:
- →Want B2B cross-border payment infrastructure exposure through marketplace seller and freelancer payment networks
- →Value Payoneer's deep marketplace integrations (Amazon, Upwork, Airbnb) as sticky enterprise revenue drivers
- →See capital solutions (merchant cash advances) as a growing higher-margin revenue stream complementing Payoneer's core payment volume business
Performance & AI score
| Metric | RELY | PAYO |
|---|---|---|
| AI score | 22.7 | 23.6 |
| AI rank | #3937 | #3509 |
| Latest close | $21.10 | $7.02 |
| 1M return | +1.10% | +46.25% |
| 6M return | +45.92% | +18.98% |
| 1Y return | +2.78% | +7.50% |
$10,000 invested — hypothetical growth (dividends reinvested)
How much would $10,000 be worth today if invested at the start of each period, with all dividends reinvested?
| Period | RELY | PAYO |
|---|---|---|
| 1Y ago | $10.28K (+2.8%) started 2025-06-18 | $10.75K (+7.5%) started 2025-06-18 |
| 5Y ago | $4.36K (-56.4%) started 2021-09-23 | $7.09K (-29.1%) started 2021-06-18 |
| 10Y ago | $4.36K (-56.4%) started 2021-09-23 | $7.25K (-27.5%) started 2020-10-16 |
Hypothetical — past performance does not guarantee future results.
Valuation & upside potential
| Metric | RELY | PAYO |
|---|---|---|
| Market cap | $4.44B | $2.37B |
| Trailing P/E | 43.96 | 35.10 |
| Forward P/E | 12.79 | 18.74 |
| Price/Sales | 2.57 | 2.22 |
| EV/Revenue | 2.13 | 1.96 |
| Analyst target | $28.56 | $7.40 |
| Target upside | +35.33% | +5.41% |
Growth, profitability & risk
| Metric | RELY | PAYO |
|---|---|---|
| Revenue growth | 25.20% | 6.10% |
| Earnings growth | 360.00% | 13.30% |
| EPS growth | +360.00% | +13.30% |
| FCF margin | +10.53% | -3.68% |
| Operating margin | N/A | N/A |
| Profit margin | 6.12% | 6.76% |
| ROIC proxy | 12.95% | 10.24% |
| Return on equity | 12.95% | 10.24% |
| Dividend yield | 0.00% | 0.00% |
| Beta | 0.37 | 1.01 |
| Debt/equity | 4.33 | 12.14 |
| Current ratio | 2.84 | 0.99 |
| Quick ratio | 2.20 | 0.98 |
Drawdown & downside risk
Lower drawdown and smaller single-period drops generally indicate a smoother ride, though they do not guarantee lower future risk.
1Y risk snapshot
RELY max drawdown40.57%
PAYO max drawdown42.45%
RELY max wkly drop25.79%
PAYO max wkly drop21.22%
5Y risk snapshot
RELY max drawdown85.80%
PAYO max drawdown67.94%
RELY max wkly drop41.20%
PAYO max wkly drop25.81%
10Y risk snapshot
RELY max drawdown85.80%
PAYO max drawdown76.04%
RELY max wkly drop41.20%
PAYO max wkly drop25.81%
Performance metrics by period
| Period | Metric | RELY | PAYO |
|---|---|---|---|
| 1Y | Growth | +2.78% | +7.50% |
| CAGR | +2.78% | +7.51% | |
| Sharpe ratio | 0.25 | 0.31 | |
| Max drawdown | 40.57% | 42.45% | |
| Max daily drop | 25.12% | 18.51% | |
| Max wkly drop | 25.79% | 21.22% | |
| 5Y | Growth | -56.45% | -29.09% |
| CAGR | -16.10% | -6.65% | |
| Sharpe ratio | -0.08 | 0.08 | |
| Max drawdown | 85.80% | 67.94% | |
| Max daily drop | 31.86% | 19.60% | |
| Max wkly drop | 41.20% | 25.81% | |
| 10Y | Growth | -56.45% | -27.48% |
| CAGR | -16.10% | -5.51% | |
| Sharpe ratio | -0.08 | 0.09 | |
| Max drawdown | 85.80% | 76.04% | |
| Max daily drop | 31.86% | 19.60% | |
| Max wkly drop | 41.20% | 25.81% |
Business comparison
| Category | RELY | PAYO |
|---|---|---|
| Company | Remitly Global, Inc. | Payoneer Global Inc. |
| Sector | Technology - Consumer Remittance / Fintech | Technology - B2B Cross-Border Payments |
| Industry | N/A | N/A |
| Core business | Remitly is a digital-first consumer remittance company enabling immigrants to send money internationally from the U.S., Canada, UK, and other developed countries to family members in receiving countries across Latin America, Asia, Africa, and other regions. | Payoneer provides cross-border payment and working capital services for marketplace sellers, freelancers, and small businesses — enabling Amazon FBA sellers, Upwork freelancers, and global SMBs to receive marketplace payments, manage currencies, and pay suppliers internationally. |
| Investor focus | Investors track Remitly's active customer growth, revenue per transaction, send volume growth, and customer acquisition cost efficiency as the company scales its global consumer remittance network. | Investors track Payoneer's total volume, revenue growth, take rate, and expansion of its capital solutions (BNPL and merchant advances) as a higher-margin product alongside the core payment flow revenue. |
RELY strengths
- →Digital-first experience with competitive pricing versus traditional remittance operators (Western Union, MoneyGram) — faster, cheaper, and more convenient for mobile-first immigrant consumers
- →Strong brand loyalty from immigrant communities who trust Remitly for critical family support transfers
- →Network effects build as Remitly expands bank partner, cash pickup, and mobile money payout options in more receiving countries
PAYO strengths
- →Deep integration with global marketplaces (Amazon, Airbnb, Fiverr, Upwork) creates sticky enterprise partnerships that direct freelancer and seller payment flows
- →Marketplace seller banking solution provides a comprehensive financial management platform beyond just receiving payments
- →Capital services (merchant cash advances, working capital) provide higher-margin revenue streams to complement the core payment volume business
Risks to watch — RELY
- →Consumer remittance is a competitive, low-margin business — competing with Western Union, Wise, and emerging local fintech players for price-sensitive immigrant consumers
- →Revenue per transaction is low, requiring significant volume to generate meaningful revenue — customer acquisition cost efficiency is critical
- →Regulatory compliance requirements in dozens of jurisdictions create operational complexity and compliance cost burdens
Risks to watch — PAYO
- →Payoneer's business is concentrated in marketplace seller and freelancer segments — Amazon policy changes or marketplace volume declines directly affect Payoneer
- →B2B cross-border payment competition is intensifying from Wise Business, Stripe, and marketplace-native payment solutions built by Amazon and other platforms
- →Regulatory compliance across dozens of countries is expensive and creates licensing and operational risks
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