Investment Comparison: Remitly vs. Visa
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Jun 26 2026
0mins
Source: Fool
- Remitly's Growth Potential: Remitly Global's FY 2025 revenue exceeded $1.6 billion, representing approximately 29% growth, achieving a net income of nearly $67.9 million with a net margin of about 4.2%, indicating significant improvement in profitability and competitiveness in the international remittance market.
- Visa's Market Dominance: Visa reported $40 billion in revenue for FY 2025, an 11% increase, with a net income of nearly $20.1 billion and a net margin of 50.1%, reflecting its strong profitability and influence in the global payment network.
- Risk and Competition Analysis: Remitly faces intense competition from traditional banks and digital payment providers, with its operations highly dependent on compliance and third-party processors, where any failure could disrupt services; Visa, on the other hand, deals with pressures from real-time payment networks and ongoing litigation that could impact its business model.
- Valuation Comparison: Although Visa trades at a lower earnings multiple than Remitly, the latter offers a significantly lower valuation based on sales, with Remitly's forward P/E at 31.8x compared to Visa's 25.3x, highlighting differences in market positioning and investment appeal.
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Analyst Views on RELY
Wall Street analysts forecast RELY stock price to fall
5 Analyst Rating
5 Buy
0 Hold
0 Sell
Strong Buy
Current: 24.230
Low
17.00
Averages
22.67
High
28.00
Current: 24.230
Low
17.00
Averages
22.67
High
28.00
About RELY
Remitly Global, Inc. is a provider of digital financial services that transcend borders, in over 170 countries around the world. Its cross-border payments app helps customers with a fast, reliable, and transparent money movement experience. The Company’s technology platform is purpose-built to localize consumer experiences, enables a robust network of partner integrations, and uses data to optimize business performance. The Company provides a digital cross-border remittance product that is accessible via its mobile app or the Web. It offers a mobile-centric suite of products, global network, localization expertise at scale and a data-driven approach. Its mobile app for cross-border remittances provides an easy-to-use, end-to-end process. The Company's global network of funding and disbursement partnerships enables it to complete money transfers in over 5,100 corridors without the need to deploy local operations in each country.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
Remitly Global Inc. Rated Overweight Amid Digital Payments Surge
- Digital Payment Surge: Remitly Global Inc. (NASDAQ:RELY) is recognized as one of the best fintech stocks to buy due to a surge in digital payments, indicating strong market performance and growth potential.
- Rating and Price Target: Cantor Fitzgerald has restated its Overweight rating and $28 price target for Remitly, suggesting that the company's core remittance operations are creating additional growth opportunities, which boosts investor confidence.
- Improved Profitability: According to Cantor's assessment, Remitly's core operations continue to generate significant revenue growth, free cash flow, and improved GAAP profitability, providing the company with more time and resources to expand its product offerings.
- Optimistic Market Outlook: Citizens has also maintained its Market Outperform rating and $26 price target for Remitly, indicating that despite the loss of an early-stage investor, the company's long-term prospects in the digital remittance market remain positive.
See More
Investment Choices: Mastercard vs. Remitly
- Mastercard Financial Performance: In FY 2025, Mastercard's revenue reached nearly $32.8 billion, reflecting a year-over-year increase of approximately 16.4%, with net income close to $15 billion, showcasing its strong profitability and stability in the global payments market.
- Remitly Growth Potential: Remitly's revenue exceeded $1.6 billion in FY 2025, representing about 29% growth, with net income nearing $67.9 million, indicating rapid expansion and significant improvement in profitability within the international remittance sector.
- Risks and Challenges: Mastercard faces significant litigation over interchange fees and intense competition from Visa and American Express, while Remitly must navigate geographic concentration risks and compliance challenges, which could impact their future market performance.
- Future Outlook: Mastercard's revenue is expected to grow to $37.1 billion in 2026, with net income rising 14% to $17.1 billion, while Remitly's revenue is projected to increase by 20% to $1.97 billion, with net income doubling to $142 million, highlighting growth potential for both companies in their respective markets.
See More
Rapid Growth in Digital Payments Market
- Market Growth Potential: The rapid shift towards digital payments, driven by convenience and security, is expected to lead to significant long-term growth in the mobile payments market, particularly as higher internet penetration and smartphone usage facilitate widespread adoption of digital payments.
- Visa Financial Performance: Visa's fiscal second-quarter results indicate broad momentum across consumer payments, commercial, and money movement solutions, with management guiding for low-teens revenue growth for fiscal 2026, underscoring its central role in global digital payments.
- Paymentus Business Growth: Paymentus Holdings is projected to achieve a 19.9% revenue growth and a 19.7% earnings growth for the current year, reflecting strong performance in electronic bill presentment and payment services through its cloud-based technology platform.
- Remitly Global Expansion: Remitly Global anticipates a 20.4% revenue growth and over 100% earnings growth for the current year, indicating robust demand in cross-border payments and digital financial services, particularly within the immigrant market.
See More
Investment Comparison: Remitly vs. Visa
- Remitly's Growth Potential: Remitly Global's FY 2025 revenue exceeded $1.6 billion, representing approximately 29% growth, achieving a net income of nearly $67.9 million with a net margin of about 4.2%, indicating significant improvement in profitability and competitiveness in the international remittance market.
- Visa's Market Dominance: Visa reported $40 billion in revenue for FY 2025, an 11% increase, with a net income of nearly $20.1 billion and a net margin of 50.1%, reflecting its strong profitability and influence in the global payment network.
- Risk and Competition Analysis: Remitly faces intense competition from traditional banks and digital payment providers, with its operations highly dependent on compliance and third-party processors, where any failure could disrupt services; Visa, on the other hand, deals with pressures from real-time payment networks and ongoing litigation that could impact its business model.
- Valuation Comparison: Although Visa trades at a lower earnings multiple than Remitly, the latter offers a significantly lower valuation based on sales, with Remitly's forward P/E at 31.8x compared to Visa's 25.3x, highlighting differences in market positioning and investment appeal.
See More
Investment Comparison: Remitly vs. Visa
- Market Size and Growth: Remitly Global is rapidly growing in the $800 billion global remittance market, with FY 2025 revenue exceeding $1.6 billion, reflecting a 29% year-over-year increase, indicating strong demand and market potential within immigrant communities.
- Profitability Improvement: Remitly achieved a net income of nearly $67.9 million, resulting in a net margin of approximately 4.2%, marking a significant shift towards profitability after years of net losses, which enhances investor confidence.
- Visa's Market Dominance: Visa reported FY 2025 revenue of $40 billion and a net income of nearly $20.1 billion, with a net margin of 50.1%, showcasing its strong profitability and control in the global payment network.
- Competition and Risks: Remitly faces intense competition from traditional banks and digital payment providers, along with compliance risks and cybersecurity threats, while Visa deals with regulatory pressures regarding transaction fees and ongoing litigation risks.
See More
Investment Choices in Digital Payments Sector
- Mastercard's Market Position: Operating in over 200 countries, Mastercard processed transactions generating nearly $32.8 billion in revenue for FY 2025, reflecting a growth rate of approximately 16.4% and a net income of around $15 billion, underscoring its strong profitability and leadership in the digital payments sector.
- Remitly's Growth Potential: Focusing on the international remittance market, Remitly achieved approximately $1.6 billion in revenue for FY 2025, marking a 29.4% increase and a first-time net income of about $67.9 million, with a net margin of 4.2%, indicating its competitive edge in the rapidly expanding digital remittance space.
- Regulatory and Risk Challenges: Both companies face regulatory pressures, including potential caps on interchange fees and data localization mandates, with Mastercard's robust network effect providing relative safety in competition, while Remitly relies on global money transfer licenses and must navigate complex anti-money laundering laws.
- Valuation Comparison: Mastercard's price-to-sales ratio stands at 13.5x, while Remitly's forward P/E is at 31.8x, highlighting significant differences in market valuations, prompting investors to consider their risk tolerance and return expectations when making investment decisions.
See More
Remitly Global Inc. Rated Overweight Amid Digital Payments Surge
- Digital Payment Surge: Remitly Global Inc. (NASDAQ:RELY) is recognized as one of the best fintech stocks to buy due to a surge in digital payments, indicating strong market performance and growth potential.
- Rating and Price Target: Cantor Fitzgerald has restated its Overweight rating and $28 price target for Remitly, suggesting that the company's core remittance operations are creating additional growth opportunities, which boosts investor confidence.
- Improved Profitability: According to Cantor's assessment, Remitly's core operations continue to generate significant revenue growth, free cash flow, and improved GAAP profitability, providing the company with more time and resources to expand its product offerings.
- Optimistic Market Outlook: Citizens has also maintained its Market Outperform rating and $26 price target for Remitly, indicating that despite the loss of an early-stage investor, the company's long-term prospects in the digital remittance market remain positive.
See More
Investment Choices: Mastercard vs. Remitly
- Mastercard Financial Performance: In FY 2025, Mastercard's revenue reached nearly $32.8 billion, reflecting a year-over-year increase of approximately 16.4%, with net income close to $15 billion, showcasing its strong profitability and stability in the global payments market.
- Remitly Growth Potential: Remitly's revenue exceeded $1.6 billion in FY 2025, representing about 29% growth, with net income nearing $67.9 million, indicating rapid expansion and significant improvement in profitability within the international remittance sector.
- Risks and Challenges: Mastercard faces significant litigation over interchange fees and intense competition from Visa and American Express, while Remitly must navigate geographic concentration risks and compliance challenges, which could impact their future market performance.
- Future Outlook: Mastercard's revenue is expected to grow to $37.1 billion in 2026, with net income rising 14% to $17.1 billion, while Remitly's revenue is projected to increase by 20% to $1.97 billion, with net income doubling to $142 million, highlighting growth potential for both companies in their respective markets.
See More
Rapid Growth in Digital Payments Market
- Market Growth Potential: The rapid shift towards digital payments, driven by convenience and security, is expected to lead to significant long-term growth in the mobile payments market, particularly as higher internet penetration and smartphone usage facilitate widespread adoption of digital payments.
- Visa Financial Performance: Visa's fiscal second-quarter results indicate broad momentum across consumer payments, commercial, and money movement solutions, with management guiding for low-teens revenue growth for fiscal 2026, underscoring its central role in global digital payments.
- Paymentus Business Growth: Paymentus Holdings is projected to achieve a 19.9% revenue growth and a 19.7% earnings growth for the current year, reflecting strong performance in electronic bill presentment and payment services through its cloud-based technology platform.
- Remitly Global Expansion: Remitly Global anticipates a 20.4% revenue growth and over 100% earnings growth for the current year, indicating robust demand in cross-border payments and digital financial services, particularly within the immigrant market.
See More
Investment Comparison: Remitly vs. Visa
- Remitly's Growth Potential: Remitly Global's FY 2025 revenue exceeded $1.6 billion, representing approximately 29% growth, achieving a net income of nearly $67.9 million with a net margin of about 4.2%, indicating significant improvement in profitability and competitiveness in the international remittance market.
- Visa's Market Dominance: Visa reported $40 billion in revenue for FY 2025, an 11% increase, with a net income of nearly $20.1 billion and a net margin of 50.1%, reflecting its strong profitability and influence in the global payment network.
- Risk and Competition Analysis: Remitly faces intense competition from traditional banks and digital payment providers, with its operations highly dependent on compliance and third-party processors, where any failure could disrupt services; Visa, on the other hand, deals with pressures from real-time payment networks and ongoing litigation that could impact its business model.
- Valuation Comparison: Although Visa trades at a lower earnings multiple than Remitly, the latter offers a significantly lower valuation based on sales, with Remitly's forward P/E at 31.8x compared to Visa's 25.3x, highlighting differences in market positioning and investment appeal.
See More
Investment Comparison: Remitly vs. Visa
- Market Size and Growth: Remitly Global is rapidly growing in the $800 billion global remittance market, with FY 2025 revenue exceeding $1.6 billion, reflecting a 29% year-over-year increase, indicating strong demand and market potential within immigrant communities.
- Profitability Improvement: Remitly achieved a net income of nearly $67.9 million, resulting in a net margin of approximately 4.2%, marking a significant shift towards profitability after years of net losses, which enhances investor confidence.
- Visa's Market Dominance: Visa reported FY 2025 revenue of $40 billion and a net income of nearly $20.1 billion, with a net margin of 50.1%, showcasing its strong profitability and control in the global payment network.
- Competition and Risks: Remitly faces intense competition from traditional banks and digital payment providers, along with compliance risks and cybersecurity threats, while Visa deals with regulatory pressures regarding transaction fees and ongoing litigation risks.
See More
Investment Choices in Digital Payments Sector
- Mastercard's Market Position: Operating in over 200 countries, Mastercard processed transactions generating nearly $32.8 billion in revenue for FY 2025, reflecting a growth rate of approximately 16.4% and a net income of around $15 billion, underscoring its strong profitability and leadership in the digital payments sector.
- Remitly's Growth Potential: Focusing on the international remittance market, Remitly achieved approximately $1.6 billion in revenue for FY 2025, marking a 29.4% increase and a first-time net income of about $67.9 million, with a net margin of 4.2%, indicating its competitive edge in the rapidly expanding digital remittance space.
- Regulatory and Risk Challenges: Both companies face regulatory pressures, including potential caps on interchange fees and data localization mandates, with Mastercard's robust network effect providing relative safety in competition, while Remitly relies on global money transfer licenses and must navigate complex anti-money laundering laws.
- Valuation Comparison: Mastercard's price-to-sales ratio stands at 13.5x, while Remitly's forward P/E is at 31.8x, highlighting significant differences in market valuations, prompting investors to consider their risk tolerance and return expectations when making investment decisions.
See More
