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Remitly Global (RELY) investor relations material
Remitly Global Investor Day 2025 summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Investor Day 2025 summary9 Dec, 2025
Long-term vision and strategy
Aims to become the leading global financial services provider for 300 million individuals and 80 million businesses with cross-border needs, expanding beyond remittances to a full suite of financial products and services.
Focuses on three core strengths: trust, a proprietary global network, and scale, creating a durable competitive moat in a fragmented industry.
Leverages technology trends such as stablecoins and AI to accelerate innovation, improve customer experience, and drive operational efficiency.
Maintains an asset-light regulatory approach, with over 100 global licenses, and no current plans to pursue a full banking license.
Aligns vision with long-term shareholder value through sustainable growth and disciplined capital allocation.
Growth strategy and market opportunity
Targets a $34.7T global cross-border payments market, expanding into B2C, C2B, and B2B segments.
Holds only 3% share of the $2 trillion consumer cross-border payments market, with significant headroom for growth.
Focuses on underserved high-amount senders and SMBs, representing a $20.2T new TAM.
Quarterly active customers reached 8.9M in Q3'25, a 5X increase since 2020, with $70B send volume and $1B+ RLTE, both up 6-7X since 2020.
Corridor expansion has unlocked 61% of global C2C remittances, with plans to enter more top send countries.
Financial guidance and performance
Targets $2.6B–$3.0B revenue and $575M–$600M Adjusted EBITDA by 2028, with a 22% Adjusted EBITDA margin.
Expects high-teens revenue growth in 2026, driven by core remittance business, new products, and geographic expansion, especially in the Middle East.
Aims for 20–22% Adjusted EBITDA margin by 2028, with an 80% conversion rate of Adjusted EBITDA to free cash flow.
Stock-based compensation expected to be within 7–10% of revenue in three years, with disciplined burn rate management and opportunistic share buybacks.
Focuses on the Rule of 40 (revenue growth plus EBITDA margin ≥ 40%) as a key performance metric.
New products' impact on RLTE per customer?
AI/Stablecoin impact on transaction/support costs?
What is the long-term dilution strategy?
Stablecoin impact on future unit economics
New product revenue contribution pacing to 2028
Remitly's competitive edge in new customer categories
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Next Remitly Global earnings date
Q4 202519 Feb, 2026
Next Remitly Global earnings date
Q4 202519 Feb, 2026
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Frequently asked questions
Remitly Global Inc is a digital financial services provider specializing in cross-border remittance services. The company's platform enables individuals to send money internationally through mobile devices and online channels, with a focus on speed, convenience, and affordability. Remitly serves customers sending funds to family and friends across a wide range of countries. The company is headquartered in Seattle, Washington, and its shares are listed on the NASDAQ.
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