Remitly Global, Inc. · NASDAQ:RELY

Remitly Global — Q3 2026 Earnings Presentation

24 slides from Remitly Global's earnings presentation, Nov 4, 2026

  1. Slide 1: Third Quarter 2026 Earnings

    Nov 2026 / © 2026 Remitly Inc. Investor Presentation Third Quarter 2026 Earnings November 4, 2026

  2. Slide 2: Forward-Looking Statements

    Nov 2026 / © 2026 Remitly Inc.2 Forward-Looking Statements This presentation contains forward-looking statements within the meaning of the Private Securities Litigation Reform Act of 1995. All statements other than statements of historical fact are forward-looking statements. These statements includ

  3. Slide 3: 3Q Strategic Overview

    3Q Strategic Overview Sebastian J Gunningham CEO 3 Nov 2026 / © 2026 Remitly Inc.

  4. Slide 4: 3Q 2026 Revenue and Profitability

    Nov 2026 / © 2026 Remitly Inc. 3Q 2026 Revenue 3Q 2026 Profitability 1. Adjusted EBITDA and Adjusted EBITDA Margin are non-GAAP measures. Please see reconciliation of non-GAAP measures to the most comparable GAAP measures in the Appendix. 4 Record revenue and record Adjusted EBITDA $510m up 22% YoY

  5. Slide 5: Key updates across our three growth engines: Consumer Remittances

    Nov 2026 / © 2026 Remitly Inc. Receivers 1. Remitly Q3-26 data: Disbursement speed reflects the time between when Remitly has the customer funds and when the funds are successfully disbursed (e.g., completed or available for pickup). 5 Consumer Remittances ● Launched first send and receive app exper

  6. Slide 6: Key updates across our three growth engines: Business Payments and Card

    Nov 2026 / © 2026 Remitly Inc. Remitly Global Card 6 Business Payments ● More than $40 Trillion1 opportunity, leveraging existing network infrastructure ● Surpassed 30,000 business customers2, and growing ● Extended network access to platform partners, signing Etsy as our first partner deal ● Launch

  7. Slide 7: Addressing top investor questions

    Nov 2026 / © 2026 Remitly Inc.7 Addressing top investor questions Neobanks How would you compete with the neobanks? Neobanks and fintechs are converging on the same set of products. We built the hardest part first: a global, cross-border money movement network. Stablecoins Do stablecoins impact Remi

  8. Slide 8: 3Q Financial Results

    3Q Financial Results 8 Nov 2026 / © 2026 Remitly Inc. Vikas Mehta CFO

  9. Slide 9: 3Q: Excellent results across the board

    Revenue ProfitabilityScale 3Q — Excellent results across the board 1. Adjusted EBITDA and Adjusted EBITDA Margin are non-GAAP measures. Please see reconciliation of non-GAAP measures to the most comparable GAAP measures in the Appendix. 9 Nov 2026 / © 2026 Remitly Inc. 10.3m 17% YoY growth in quarte

  10. Slide 10: Continued momentum across key drivers of revenue growth

    Quarterly Active Customers1 (in millions) Transaction Margin Dollars2 (in $ millions) Revenue (in $ millions) Send Volume (in billions)Send Volume (in $ billions) Continued momentum across key drivers of revenue growth 10 Nov 2026 / © 2026 Remitly Inc. YoY % Growth 25% 26% 25% 20% 22%YoY % Growth 35

  11. Slide 11: Recipients, Large Transfers and Remitly Global Card

    Nov 2026 / © 2026 Remitly Inc. Recipients 1. Large transfers include individuals sending $5,000 or more per transaction. 2. Estimated unique recipients of transfers sent by Remitly customers over the last 12 months. Because recipient details are provided by senders, we estimate unique recipients by

  12. Slide 12: Delivering operating efficiencies across the board

    Nov 2026 / © 2026 Remitly Inc.12 Delivering operating efficiencies across the board 1. Transaction margin is a non-GAAP measure. Please see reconciliation of non-GAAP measures to the most comparable GAAP measures in the Appendix. Transaction expenses include fees paid to disbursement partners for pa

  13. Slide 13: Lifetime value of new cohorts continues to expand

    Nov 2026 / © 2026 Remitly Inc.13 Transaction margin dollars per active customer1 By quarterly cohort and tenure quarter ($)2 Send volume per active customer By quarterly cohort and tenure quarter ($)2 Lifetime value of new cohorts continues to expand New customers stay active longer, send larger amo

  14. Slide 14: Operating leverage drove strong growth in Net Income and Adj. EBITDA

    Note: $ and share count in millions. 1. Adjusted net income, adjusted net income margin, adjusted EBITDA, adjusted EBITDA margin, free cash flow, and free cash flow margin are non-GAAP measures. Please see reconciliation of non-GAAP measures to the most comparable GAAP measures in the Appendix. 2. O

  15. Slide 15: 2026 and 4Q 2026 Guidance

    Note: We anticipate year over year growth for net income for the fourth quarter 2026 and full year 2026. This guidance is only effective as of the date given, November 4, 2026, and will not be updated or affirmed unless and until we publicly announce updated or affirmed guidance. Distribution or ref

  16. Slide 16: Q & A

    Q & A 16 Nov 2026 / © 2026 Remitly Inc.

  17. Slide 17: Thank you.

    Thank you.

  18. Slide 18: Appendix

    Appendix 18 Nov 2026 / © 2026 Remitly Inc.

  19. Slide 19: Non-GAAP financial measures

    Nov 2026 / © 2026 Remitly Inc.19 Some of the financial information and data contained in this presentation, such as Adjusted EBITDA, transaction margin dollars, transaction margin, adjusted net income, non-GAAP operating expenses, and free cash flow, have not been prepared in accordance with account

  20. Slide 20: Reconciliation of net income to Adjusted EBITDA

    Nov 2026 / © 2026 Remitly Inc. Reconciliation of net income to Adjusted EBITDA and calculation of Adjusted EBITDA margin (in thousands, except for percentages) 3Q 2026 2Q 2026 1Q 2026 4Q 2025 3Q 2025 20 Non-GAAP Reconciliation Net income $67,553 $205,908 $49,053 $41,216 $8,829 Add: Interest (income)

  21. Slide 21: Reconciliation of transaction margin dollars and transaction margin

    Nov 2026 / © 2026 Remitly Inc. Reconciliation of transaction margin dollars and transaction margin (in thousands, except for percentages) 3Q 2026 2Q 2026 1Q 2026 4Q 2025 3Q 2025 21 Non-GAAP Reconciliation Income from operations $69,402 $66,681 $53,740 $38,815 $11,777 Add: Customer support and operat

  22. Slide 22: Reconciliation of net income to adjusted net income

    Nov 2026 / © 2026 Remitly Inc. Reconciliation of net income to adjusted net income (in thousands) 3Q 2026 2Q 2026 1Q 2026 4Q 2025 3Q 2025 22 Non-GAAP Reconciliation Net income $67,553 $205,908 $49,053 $41,216 $8,829 Add: Discrete income tax (benefit) expense from release of valuation allowance1 4,14

  23. Slide 23: Reconciliation of cash flows from operations to free cash flow

    Nov 2026 / © 2026 Remitly Inc. Reconciliation of cash flows from operations to free cash flow and calculation of free cash flow margin (in thousands, except for percentages) 3Q 2026 2Q 2026 1Q 2026 4Q 2025 3Q 2025 23 Non-GAAP Reconciliation Net cash provided by operating activities1 $93,014 $134,620

  24. Slide 24: Reconciliation of operating expenses to non-GAAP operating expenses

    Nov 2026 / © 2026 Remitly Inc. Reconciliation of operating expenses to non-GAAP operating expenses (in thousands) 3Q 2026 2Q 2026 1Q 2026 4Q 2025 3Q 2025 Customer support and operations $27,797 $26,639 $26,811 $27,193 $26,386 Excluding: Stock-based compensation expense, net 504 417 309 411 455 Exclu

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