Remitly Global, Inc. (RELY) · Nov 4, 2026 · Earnings

Remitly earnings beat as EBITDA surges, outlook raised

Beat — Revenue $509.8M vs ~$507.3M consensus; diluted EPS $0.30 vs ~$0.15

Remitly earnings beat Q3 expectations as revenue reached $510M, adjusted EBITDA jumped 97%, and full-year guidance rose.

Remitly is still anchored by its cross-border remittance network, but it is actively building outward into business payments and the Global Card, using that network to become a broader financial-services platform. That expansion was already the standing story before this release, so the question was whether growth and operating leverage could keep accelerating.

The quarter beat the market on the core operating metrics. Revenue reached $509.8 million versus published consensus around $507.3 million, while diluted EPS was $0.30 versus roughly $0.15 expected. More important than the narrow revenue beat, adjusted EBITDA reached $120.8 million against the prior $92–$94 million company guide, showing that the margin improvement was materially stronger than anticipated. The published pre-release revenue expectation was about $507 million, with quarterly active customers expected around 10.5 million and send volume around $24.7 billion. The release states that Remitly delivered “record revenue and a more than seven-fold year over year increase in net income.”

Metric	Q3 2026	Q3 2025	Consensus / prior guide
Revenue (Financial Highlights)	$509.8M (+21.5%)	$419.5M	~$507.3M consensus
Diluted EPS (Financial Highlights)	$0.30	$0.04	~$0.15 consensus
Adjusted EBITDA (Adjusted EBITDA reconciliation)	$120.8M (+97%)	$61.2M	$92–94M prior guide
Transaction margin dollars (Transaction margin reconciliation)	$347.4M (+27%)	$272.8M
Free cash flow (Free cash flow reconciliation)	$87.8M (+7%)	$81.8M
FY26 revenue outlook (2026 and 4Q 2026 Outlook)	$1.989–1.991B		$1.978–1.988B prior guide
FY26 adjusted EBITDA outlook (2026 and 4Q 2026 Outlook)	$441–443M		$410–415M prior guide

The real upgrade is operating leverage, not the tax line. Transaction margin expanded to 68.1% from 65.0%, and adjusted EBITDA margin rose to 23.7% from 14.6%. The filing attributes the improvement to better network economics, lower transaction losses, and lower operating expense ratios, including technology and development efficiency tied partly to AI. That makes the result more durable than a headline EPS comparison alone. The filing says, “Our scale advantages and advanced pricing engine helped drive transaction margin dollars 27% higher YoY in Q3.”

Management raised the full-year bar rather than merely confirming it. FY26 revenue guidance moved from $1.978–$1.988 billion to $1.989–$1.991 billion, while adjusted EBITDA guidance rose sharply from $410–$415 million to $441–$443 million. The revenue increase is modest, but the EBITDA change says the company is converting growth into profit faster than its prior outlook assumed. The filing also says the board increased the share-repurchase authorization by $300 million, from $200 million to $500 million, although the program creates no obligation to repurchase shares.

The diversification story is gaining evidence, but remains secondary to remittances. Remitly surpassed 30,000 business customers, signed Etsy as its first platform partner, and launched the Global Card in the quarter. Those are meaningful progress markers for the newer businesses, but the filing does not yet disclose their standalone revenue or profit contribution.

Bottom line: This was a clear earnings beat with a much bigger profitability upside than the revenue surprise suggests, and management raised the full-year outlook. It strengthens Remitly’s existing growth-and-operating-leverage story without yet proving that the newer businesses have become major financial contributors.

Original filing on SEC EDGAR

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AllSight · BlackBerry Q2 FY27

Revenue $163.3M vs ~$144M expected; adjusted basic EPS $0.07 vs ~$0.04 consensus — a real upside surprise.Income statement
QNX revenue +27% to $80.3M; segment EBITDA $29.0M from $20.5M. “Record performance… core automotive.”Segment — QNX
Licensing jumped to $22.1M from $6.6M — it amplified the beat, but it's less recurring than QNX, so the quality sits in QNX.Segment — Licensing
FY27 guide lifted to $616–636M rev / $141–158M EBITDA, above the prior $594–621M / $119–139M framework.Guidance
QNX growth, margins, cash and a raised outlook all beat. But licensing amplified it and Secure Comms is flat — net retention 91% from 93%.Segment — Secure Comms

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Events/ANDE/8-K · Earnings

8-K · Item 2.02 · Earnings

The Andersons — a record Renewables quarter that beat profit expectations

Filed Aug 3, 2026ANDE · NASDAQ

AllSight readBeatPriced in▲ 1.8% since filed · reaction agrees

adj. EPS $2.15 vs ~$1.48 consensus

This filing tests whether The Andersons' sharp profit increase reflects broad operating improvement or a one-off renewable-fuels boost. It also separates strong adjusted earnings and cash generation from the quarter's legal and impairment charges.

The quarter was substantially stronger than both last year and the published earnings expectation. Adjusted EPS reached $2.15, versus $0.24 a year earlier and above the published consensus of about $1.48; reported EPS was $1.65. Adjusted EBITDA more than doubled to $140 million, while sales slipped modestly — the improvement came from margins and operating performance rather than higher revenue. Financial Highlights · Statements of Operations

Q2 ($M, exc. per-share)	Q2 2026	Q2 2025	YoY
Sales & merchandising revenue	3,097.7	3,135.9	−1%
Net income (attributable)	56.6	7.9	+48.7
Diluted EPS	1.65	0.23	+1.42
Adjusted EPS	2.15	0.24	+1.91
Adjusted EBITDA	140.3	65.2	+75.1
Agribusiness adj. pretax	20.3	16.8	+3.5
Renewables adj. pretax	88.4	9.6	+78.8
Cash from operations	487.9	299.3	+188.6
Cash from ops (pre-WC)	112.9	42.9	+70.1

Renewables drove nearly all of the upside — the operating backdrop was strong, but the result also benefited materially from tax credits. Renewables' adjusted pretax income rose to $88 million on record production, stronger ethanol margins and merchandising gains. It also received $24 million of 45Z producer tax credits, so this was not solely a repeatable plant-margin improvement; the company did cite healthy export and domestic ethanol demand as supportive. Renewables — Record Q2 · Segment Data

Agribusiness improved, but it was a supporting contributor rather than the main earnings engine. Adjusted pretax income increased to $20 million as fertilizer margins improved and merchandising benefited from commodity-price volatility, despite lower fertilizer volumes. Agribusiness — Improved Q2 · Segment Data

Cash generation improved and funding capacity is comfortable, while reported earnings still absorbed meaningful non-core costs. Operating cash flow was $488 million ($113 million before working-capital changes); capital spending was $76 million. Adjusted EPS excludes $0.50 of legal-settlement, impairment and transaction items, so the $2.15 adjusted result runs ahead of the $1.65 reported. Leverage stays below the <2.5× debt-to-EBITDA target; no new quantified full-year outlook was given. Cash & Liquidity · Adjusted Net Income

Community sentiment · 612 votes

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Remitly earnings beat as EBITDA surges, outlook raised

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