WallStSmart

Remitly Global Inc (RELY)vsZepp Health Corp (ZEPP)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Remitly Global Inc generates 532% more annual revenue ($1.64B vs $258.90M). RELY leads profitability with a 4.2% profit margin vs -15.5%. RELY earns a higher WallStSmart Score of 48/100 (D+).

RELY

Hold

48

out of 100

Grade: D+

Growth: 9.3Profit: 5.5Value: 5.7Quality: 5.0

ZEPP

Hold

41

out of 100

Grade: D

Growth: 4.7Profit: 2.0Value: 6.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

RELYUndervalued (+62.0%)

Margin of Safety

+62.0%

Fair Value

$34.85

Current Price

$21.89

$12.96 discount

UndervaluedFair: $34.85Overvalued
ZEPPUndervalued (+48.6%)

Margin of Safety

+48.6%

Fair Value

$46.70

Current Price

$17.47

$29.23 discount

UndervaluedFair: $46.70Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

RELY2 strengths · Avg: 9.0/10
EPS GrowthGrowth
309.3%10/10

Earnings expanding 309.3% YoY

Revenue GrowthGrowth
25.7%8/10

Revenue surging 25.7% year-over-year

ZEPP2 strengths · Avg: 10.0/10
Price/BookValuation
1.3x10/10

Reasonable price relative to book value

Revenue GrowthGrowth
43.0%10/10

Revenue surging 43.0% year-over-year

Areas to Watch

RELY2 concerns · Avg: 2.5/10
Profit MarginProfitability
4.2%3/10

4.2% margin — thin

P/E RatioValuation
70.6x2/10

Premium valuation, high expectations priced in

ZEPP4 concerns · Avg: 2.0/10
Market CapQuality
$247.54M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-17.2%2/10

ROE of -17.2% — below average capital efficiency

EPS GrowthGrowth
-68.1%2/10

Earnings declined 68.1%

Profit MarginProfitability
-15.5%1/10

Currently unprofitable

Comparative Analysis Report

WallStSmart Research

Bull Case : RELY

The strongest argument for RELY centers on EPS Growth, Revenue Growth. Revenue growth of 25.7% demonstrates continued momentum.

Bull Case : ZEPP

The strongest argument for ZEPP centers on Price/Book, Revenue Growth. Revenue growth of 43.0% demonstrates continued momentum.

Bear Case : RELY

The primary concerns for RELY are Profit Margin, P/E Ratio. A P/E of 70.6x leaves little room for execution misses. Thin 4.2% margins leave little buffer for downturns.

Bear Case : ZEPP

The primary concerns for ZEPP are Market Cap, Return on Equity, EPS Growth.

Key Dynamics to Monitor

RELY profiles as a growth stock while ZEPP is a hypergrowth play — different risk/reward profiles.

ZEPP carries more volatility with a beta of 1.77 — expect wider price swings.

ZEPP is growing revenue faster at 43.0% — sustainability is the question.

Monitor SOFTWARE - INFRASTRUCTURE industry trends, competitive dynamics, and regulatory changes.

Bottom Line

RELY scores higher overall (48/100 vs 41/100) and 25.7% revenue growth. ZEPP offers better value entry with a 48.6% margin of safety. Both earn "Hold" and "Hold" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Remitly Global Inc

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Real Industry, Inc. engages in aluminum smelting, processing, recycling, and alloying activities in the United States and internationally. The company is headquartered in Sherman Oaks, California.

Zepp Health Corp

TECHNOLOGY · CONSUMER ELECTRONICS · China

Zepp Health Corporation, an activity and biometric data-driven company, develops, manufactures and sells smart wearable technology devices in the People's Republic of China. The company is headquartered in Hefei, the People's Republic of China.

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