RELY vs FLYW

For growth investors, Remitly Global, Inc.

(RELY) is the stronger pick with 29. 4% revenue growth year-over-year, versus 26. 6% for Flywire Corporation (FLYW). Remitly Global, Inc. (RELY) offers the better valuation at 76. 6x trailing P/E (45. 9x forward), making it the more compelling value choice. Analysts rate Remitly Global, Inc. (RELY) a "Buy" — based on 13 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.

On trailing P/E, Remitly Global, Inc.

(RELY) is the cheapest at 76. 6x versus Flywire Corporation at 132. 1x. On forward P/E, Flywire Corporation is actually cheaper at 40. 6x — notably different from the trailing picture, reflecting expected earnings growth.

Over the past 5 years, Remitly Global, Inc.

(RELY) delivered a total return of -51. 0%, compared to -58. 6% for Flywire Corporation (FLYW). Over 10 years, the gap is even starker: RELY returned -51. 0% versus FLYW's -58. 6%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.

By beta (market sensitivity over 5 years), Remitly Global, Inc.

(RELY) is the lower-risk stock at 1. 19β versus Flywire Corporation's 1. 32β — meaning FLYW is approximately 11% more volatile than RELY relative to the S&P 500.

By revenue growth (latest reported year), Remitly Global, Inc.

(RELY) is pulling ahead at 29. 4% versus 26. 6% for Flywire Corporation (FLYW). On earnings-per-share growth, the picture is similar: Flywire Corporation grew EPS 391. 1% year-over-year, compared to 263. 2% for Remitly Global, 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.

Remitly Global, Inc.

(RELY) is the more profitable company, earning 4. 2% net margin versus 2. 2% for Flywire Corporation — meaning it keeps 4. 2% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: RELY leads at 4. 7% versus 1. 8% for FLYW. At the gross margin level — before operating expenses — FLYW leads at 61. 4%, 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.

On forward earnings alone, Flywire Corporation (FLYW) trades at 40.

6x forward P/E versus 45. 9x for Remitly Global, Inc. — 5. 3x cheaper on a one-year earnings basis. Analyst consensus price targets imply the most upside for FLYW: 20. 4% to $17. 50.

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.

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: -51. 0%, FLYW: -58. 6%), 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.

Both stocks operate in the Technology sector, making this a peer-level intra-sector comparison — the same macro tailwinds and headwinds will affect both.

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.