LZ
LegalZoom.com, Inc.
Specialty Business Services
Market Cap$1.05B
5Y Perf.-77.0%
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Stock Comparison
LZ vs RELY
Revenue, margins, valuation, and 5-year total return — side by side.
RELY
Remitly Global, Inc.
Software - Infrastructure
Market Cap$4.80B
5Y Perf.-37.9%
LZ vs RELY — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | LZ | RELY |
|---|---|---|
| Industry | Specialty Business Services | Software - Infrastructure |
| Market Cap | $1.05B | $4.80B |
| Revenue (TTM) | $780M | $1.73B |
| Net Income (TTM) | $11M | $106M |
| Gross Margin | 65.9% | 43.6% |
| Operating Margin | 2.6% | 6.9% |
| Forward P/E | 8.2x | 44.1x |
| Total Debt | $24M | $220M |
| Cash & Equiv. | $203M | $542M |
LZ vs RELY — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
LZ
RELY
| Stock | Sep 21 | May 26 | Return |
|---|---|---|---|
| LegalZoom.com, Inc. (LZ) | 100 | 23.0 | -77.0% |
| Remitly Global, Inc. (RELY) | 100 | 62.1 | -37.9% |
Price return only. Dividends and distributions are not included.
Quick Verdict: LZ vs RELY
Each card shows where this stock fits in a portfolio — not just who wins on paper.
Bottom line: RELY leads in 5 of 7 categories, making it the strongest pick for growth and revenue expansion and profitability and margin quality. LegalZoom.com, Inc. is the stronger pick specifically for valuation and capital efficiency. This set spans 2 sectors — these stocks serve different portfolio roles, not just different price points.
LZ
LegalZoom.com, Inc.
The Value Play
LZ is the clearest fit if your priority is value.
- Lower P/E (8.2x vs 44.1x)
Best for: value
RELY
Remitly Global, Inc.
The Income Pick
RELY carries the broadest edge in this set and is the clearest fit for income & stability and growth exposure.
- beta 1.19
- Rev growth 29.4%, EPS growth 263.2%, 3Y rev CAGR 35.8%
- -53.0% 10Y total return vs LZ's -84.0%
Best for: income & stability and growth exposure
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | RELY | 29.4% revenue growth vs LZ's 10.9% |
| Value | LZ | Lower P/E (8.2x vs 44.1x) |
| Quality / Margins | RELY | 6.1% margin vs LZ's 1.5% |
| Stability / Safety | RELY | Beta 1.19 vs LZ's 1.31 |
| Dividends | Tie | Neither stock pays a meaningful dividend |
| Momentum (1Y) | RELY | +8.1% vs LZ's -16.3% |
| Efficiency (ROA) | RELY | 8.1% ROA vs LZ's 2.2% |
LZ vs RELY — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
FY 2025
FY 2025
LZ vs RELY — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
BEST OVERALLRELYLAGGINGLZ
LZLegalZoom.com, Inc.
1leads
RELYRemitly Global, Inc.
4leads
6 Total Categories
CATEGORYLEADERvs LZMETRICS WON
Income & Cash FlowRevenue, margins, and cash flow strength
RELY4/6
Valuation MetricsMultiples, price ratios, and targets
LZ4/6
Profitability & EfficiencyROE, ROIC, leverage, and quality scores
RELY4/7
Total Returns1Y, 3Y, 5Y total returns with dividends
RELY6/6
Risk & VolatilityBeta, volatility, and downside exposure
RELY2/2
Analyst OutlookRatings, price targets, and dividends
—
—
Income & Cash Flow (Last 12 Months)
RELY leads this category, winning 4 of 6 comparable metrics.
Income & Cash Flow (Last 12 Months)
RELY is the larger business by revenue, generating $1.7B annually — 2.2x LZ's $780M. Profitability is closely matched — net margins range from 6.1% (RELY) to 1.5% (LZ). On growth, RELY holds the edge at +25.2% YoY revenue growth, suggesting stronger near-term business momentum.
| Metric | LZLegalZoom.com, In… | RELYRemitly Global, I… |
|---|---|---|
| RevenueTrailing 12 months | $780M | $1.7B |
| EBITDAEarnings before interest/tax | $56M | $149M |
| Net IncomeAfter-tax profit | $11M | $106M |
| Free Cash FlowCash after capex | $148M | $256M |
| Gross MarginGross profit ÷ Revenue | +65.9% | +43.6% |
| Operating MarginEBIT ÷ Revenue | +2.6% | +6.9% |
| Net MarginNet income ÷ Revenue | +1.5% | +6.1% |
| FCF MarginFCF ÷ Revenue | +18.9% | +14.8% |
| Rev. Growth (YoY)Latest quarter vs prior year | +12.9% | +25.2% |
| EPS Growth (YoY)Latest quarter vs prior year | -64.8% | +3.6% |
RELY leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
LZ leads this category, winning 4 of 6 comparable metrics.
Valuation Metrics
At 73.5x trailing earnings, RELY trades at a 3% valuation discount to LZ's 75.9x P/E. On an enterprise value basis, LZ's 14.1x EV/EBITDA is more attractive than RELY's 42.0x.
| Metric | LZLegalZoom.com, In… | RELYRemitly Global, I… |
|---|---|---|
| Market CapShares × price | $1.0B | $4.8B |
| Enterprise ValueMkt cap + debt − cash | $871M | $4.5B |
| Trailing P/EPrice ÷ TTM EPS | 75.88x | 73.52x |
| Forward P/EPrice ÷ next-FY EPS est. | 8.17x | 44.06x |
| PEG RatioP/E ÷ EPS growth rate | 4.53x | — |
| EV / EBITDAEnterprise value multiple | 14.10x | 41.98x |
| Price / SalesMarket cap ÷ Revenue | 1.39x | 2.94x |
| Price / BookPrice ÷ Book value/share | 6.52x | 5.71x |
| Price / FCFMarket cap ÷ FCF | 7.10x | 16.24x |
LZ leads this category, winning 4 of 6 comparable metrics.
Profitability & Efficiency
RELY leads this category, winning 4 of 7 comparable metrics.
Profitability & Efficiency
RELY delivers a 12.7% return on equity — every $100 of shareholder capital generates $13 in annual profit, vs $6 for LZ. LZ carries lower financial leverage with a 0.14x debt-to-equity ratio, signaling a more conservative balance sheet compared to RELY's 0.25x.
| Metric | LZLegalZoom.com, In… | RELYRemitly Global, I… |
|---|---|---|
| ROE (TTM)Return on equity | +6.4% | +12.7% |
| ROA (TTM)Return on assets | +2.2% | +8.1% |
| ROICReturn on invested capital | — | +14.2% |
| ROCEReturn on capital employed | +9.0% | +9.4% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 5 |
| Debt / EquityFinancial leverage | 0.14x | 0.25x |
| Net DebtTotal debt minus cash | -$179M | -$322M |
| Cash & Equiv.Liquid assets | $203M | $542M |
| Total DebtShort + long-term debt | $24M | $220M |
| Interest CoverageEBIT ÷ Interest expense | 58.95x | 16.25x |
RELY leads this category, winning 4 of 7 comparable metrics.
Total Returns (Dividends Reinvested)
RELY leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in RELY five years ago would be worth $4,704 today (with dividends reinvested), compared to $1,604 for LZ. Over the past 12 months, RELY leads with a +8.1% total return vs LZ's -16.3%. The 3-year compound annual growth rate (CAGR) favors RELY at 7.8% vs LZ's -8.8% — a key indicator of consistent wealth creation.
| Metric | LZLegalZoom.com, In… | RELYRemitly Global, I… |
|---|---|---|
| YTD ReturnYear-to-date | -36.7% | +72.4% |
| 1-Year ReturnPast 12 months | -16.3% | +8.1% |
| 3-Year ReturnCumulative with dividends | -24.1% | +25.4% |
| 5-Year ReturnCumulative with dividends | -84.0% | -53.0% |
| 10-Year ReturnCumulative with dividends | -84.0% | -53.0% |
| CAGR (3Y)Annualised 3-year return | -8.8% | +7.8% |
RELY leads this category, winning 6 of 6 comparable metrics.
Risk & Volatility
RELY leads this category, winning 2 of 2 comparable metrics.
Risk & Volatility
RELY is the less volatile stock with a 1.19 beta — it tends to amplify market swings less than LZ's 1.31 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. RELY currently trades 92.2% from its 52-week high vs LZ's 49.0% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | LZLegalZoom.com, In… | RELYRemitly Global, I… |
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 1.31x | 1.19x |
| 52-Week HighHighest price in past year | $12.40 | $24.71 |
| 52-Week LowLowest price in past year | $5.28 | $12.08 |
| % of 52W HighCurrent price vs 52-week peak | +49.0% | +92.2% |
| RSI (14)Momentum oscillator 0–100 | 47.1 | 85.3 |
| Avg Volume (50D)Average daily shares traded | 2.5M | 3.4M |
RELY leads this category, winning 2 of 2 comparable metrics.
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
Wall Street rates LZ as "Buy" and RELY as "Buy". Consensus price targets imply 34.6% upside for LZ (target: $8) vs -7.9% for RELY (target: $21).
| Metric | LZLegalZoom.com, In… | RELYRemitly Global, I… |
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | Buy | Buy |
| Price TargetConsensus 12-month target | $8.17 | $21.00 |
| # AnalystsCovering analysts | 12 | 13 |
| Dividend YieldAnnual dividend ÷ price | — | — |
| Dividend StreakConsecutive years of raises | 0 | — |
| Dividend / ShareAnnual DPS | — | — |
| Buyback YieldShare repurchases ÷ mkt cap | +7.7% | +1.1% |
Insufficient data to determine a leader in this category.
Key Takeaway
RELY leads in 4 of 6 categories (Income & Cash Flow, Profitability & Efficiency). LZ leads in 1 (Valuation Metrics).
Best OverallRemitly Global, Inc. (RELY)Leads 4 of 6 categories
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LZ vs RELY: Frequently Asked Questions
10 questions · data-driven answers · updated daily
01Is LZ or RELY a better buy right now?
For growth investors, Remitly Global, Inc.
(RELY) is the stronger pick with 29. 4% revenue growth year-over-year, versus 10. 9% for LegalZoom. com, Inc. (LZ). Remitly Global, Inc. (RELY) offers the better valuation at 73. 5x trailing P/E (44. 1x forward), making it the more compelling value choice. Analysts rate LegalZoom. com, Inc. (LZ) a "Buy" — based on 12 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — LZ or RELY?
On trailing P/E, Remitly Global, Inc.
(RELY) is the cheapest at 73. 5x versus LegalZoom. com, Inc. at 75. 9x. On forward P/E, LegalZoom. com, Inc. is actually cheaper at 8. 2x — notably different from the trailing picture, reflecting expected earnings growth.
03Which is the better long-term investment — LZ or RELY?
Over the past 5 years, Remitly Global, Inc.
(RELY) delivered a total return of -53. 0%, compared to -84. 0% for LegalZoom. com, Inc. (LZ). Over 10 years, the gap is even starker: RELY returned -53. 0% versus LZ's -84. 0%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — LZ or RELY?
By beta (market sensitivity over 5 years), Remitly Global, Inc.
(RELY) is the lower-risk stock at 1. 19β versus LegalZoom. com, Inc. 's 1. 31β — meaning LZ is approximately 10% more volatile than RELY relative to the S&P 500. On balance sheet safety, LegalZoom. com, Inc. (LZ) carries a lower debt/equity ratio of 14% versus 25% for Remitly Global, Inc. — giving it more financial flexibility in a downturn.
05Which is growing faster — LZ or RELY?
By revenue growth (latest reported year), Remitly Global, Inc.
(RELY) is pulling ahead at 29. 4% versus 10. 9% for LegalZoom. com, Inc. (LZ). On earnings-per-share growth, the picture is similar: Remitly Global, Inc. grew EPS 263. 2% year-over-year, compared to -50. 0% for LegalZoom. com, Inc.. Over a 3-year CAGR, RELY leads at 35. 8% annualised revenue growth. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — LZ or RELY?
Remitly Global, Inc.
(RELY) is the more profitable company, earning 4. 2% net margin versus 2. 0% for LegalZoom. com, Inc. — meaning it keeps 4. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RELY leads at 5. 0% versus 1. 9% for LZ. At the gross margin level — before operating expenses — LZ leads at 65. 9%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Is LZ or RELY more undervalued right now?
On forward earnings alone, LegalZoom.
com, Inc. (LZ) trades at 8. 2x forward P/E versus 44. 1x for Remitly Global, Inc. — 35. 9x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for LZ: 34. 6% to $8. 17.
08Which pays a better dividend — LZ or RELY?
None of the stocks in this comparison currently pay a material dividend.
All are effectively zero-yield and should be held for capital appreciation rather than income.
09Is LZ or RELY better for a retirement portfolio?
For long-horizon retirement investors, Remitly Global, Inc.
(RELY) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 1. 19)). Both have compounded well over 10 years (RELY: -53. 0%, LZ: -84. 0%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
10What are the main differences between LZ and RELY?
These companies operate in different sectors (LZ (Industrials) and RELY (Technology)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: LZ is a small-cap quality compounder stock; RELY is a small-cap high-growth stock. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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(LZ: 12.9% · RELY: 25.2%)P/E Ratio<
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