5 Must-Read Analyst Questions From Remitly's Q1 Earnings Call
Is now the time to buy RELY? Find out in our full research report (it's free).
Revenue: $361.6 million vs analyst estimates of $347.5 million (34.4% year-on-year growth, 4.1% beat)
Adjusted EPS: $0.19 vs analyst estimates of $0.17 (11.9% beat)
Adjusted EBITDA: $58.43 million vs analyst estimates of $39.15 million (16.2% margin, 49.2% beat)
The company slightly lifted its revenue guidance for the full year to $1.58 billion at the midpoint from $1.57 billion
EBITDA guidance for the full year is $202.5 million at the midpoint, above analyst estimates of $197.2 million
Operating Margin: 3.4%, up from -7.4% in the same quarter last year
Active Customers: 8.04 million, up 1.83 million year on year
Market Capitalization: $3.74 billion
While we enjoy listening to the management's commentary, our favorite part of earnings calls are the analyst questions. Those are unscripted and can often highlight topics that management teams would rather avoid or topics where the answer is complicated. Here is what has caught our attention.
Tien-Tsin Huang (JPMorgan) asked about the drivers behind the increase in send volume per active user. CFO Vikas Mehta pointed to higher engagement, growth in high-amount senders, and tailored product experiences for larger transactions.
Andrew Schmidt (Citi) inquired whether improvements in volume per user were driven by internal initiatives or environmental factors. Mehta replied that the growth was mainly self-driven, with cohort retention and product improvements providing high visibility and confidence.
Chris Kennedy (William Blair) sought more detail on direct partner integrations and their benefits. CEO Matt Oppenheimer highlighted faster, lower-cost, and more reliable transactions, emphasizing the impact on customer experience and retention.
Ramsey El-Assal (Barclays) asked about strategies to attract high-dollar and micro business customers. Oppenheimer described tailored marketing and product changes, including improved KYC (Know Your Customer) processes for specific segments.
David Scharf (Citizens Capital Markets) questioned the sustainability of margin gains and potential one-time expense benefits. Mehta explained that Q1 benefited from efficient marketing, but investments would increase in Q2 and beyond to support long-term growth.
Over the coming quarters, the StockStory team will monitor (1) the pace of adoption and transaction growth from high-amount senders and micro business customers, (2) the success of new market and product launches such as WhatsApp Send, and (3) the sustainability of operational efficiency gains as marketing and technology investments increase. Trends in customer retention and competitive dynamics in key corridors will also serve as important indicators of Remitly's execution.
Remitly currently trades at $18.34, down from $21.09 just before the earnings. At this price, is it a buy or sell? Find out in our full research report (it's free).
Donald Trump's victory in the 2024 U.S. Presidential Election sent major indices to all-time highs, but stocks have retraced as investors debate the health of the economy and the potential impact of tariffs.
While this leaves much uncertainty around 2025, a few companies are poised for long-term gains regardless of the political or macroeconomic climate, like our Top 5 Strong Momentum Stocks for this week. This is a curated list of our High Quality stocks that have generated a market-beating return of 183% over the last five years (as of March 31st 2025).
Stocks that made our list in 2020 include now familiar names such as Nvidia (+1,545% between March 2020 and March 2025) as well as under-the-radar businesses like the once-small-cap company Exlservice (+354% five-year return). Find your next big winner with StockStory today.
StockStory is growing and hiring equity analyst and marketing roles. Are you a 0 to 1 builder passionate about the markets and AI? See the open roles here.
Hashtags
Try Our AI Features
Explore what Daily8 AI can do for you:
Comments
No comments yet...
Related Articles
Yahoo
22 minutes ago
- Yahoo
Top UK Dividend Stocks To Watch In August 2025
As the FTSE 100 and FTSE 250 indices reflect ongoing challenges, particularly influenced by weak trade data from China, investors in the UK are navigating a market environment marked by global economic uncertainties. In such conditions, dividend stocks often attract attention for their potential to provide steady income streams amidst volatility. Top 10 Dividend Stocks In The United Kingdom Name Dividend Yield Dividend Rating Treatt (LSE:TET) 3.97% ★★★★★☆ Pets at Home Group (LSE:PETS) 5.81% ★★★★★★ OSB Group (LSE:OSB) 6.01% ★★★★★☆ NWF Group (AIM:NWF) 4.99% ★★★★★☆ MONY Group (LSE:MONY) 6.19% ★★★★★★ Keller Group (LSE:KLR) 3.69% ★★★★★☆ IG Group Holdings (LSE:IGG) 4.16% ★★★★★☆ Grafton Group (LSE:GFTU) 4.20% ★★★★★☆ Dunelm Group (LSE:DNLM) 6.59% ★★★★★☆ 4imprint Group (LSE:FOUR) 5.43% ★★★★★★ Click here to see the full list of 56 stocks from our Top UK Dividend Stocks screener. Here's a peek at a few of the choices from the screener. NWF Group Simply Wall St Dividend Rating: ★★★★★☆ Overview: NWF Group plc, with a market cap of £83.56 million, operates in the United Kingdom through its subsidiaries by engaging in the sale and distribution of fuel oils. Operations: NWF Group plc generates its revenue through three primary segments: Food (£86.30 million), Feeds (£204.60 million), and Fuels (£620.40 million). Dividend Yield: 5% NWF Group offers a reliable dividend yield of 4.99%, though it is slightly below the top tier in the UK market. The company's dividends are well-covered by both earnings and cash flows, with a payout ratio of 67% and a cash payout ratio of 20.9%. Despite stable dividend growth over the past decade, recent earnings have declined, with net income dropping to £6.2 million from £9.1 million year-on-year, potentially impacting future payouts. Click to explore a detailed breakdown of our findings in NWF Group's dividend report. Upon reviewing our latest valuation report, NWF Group's share price might be too optimistic. Bytes Technology Group Simply Wall St Dividend Rating: ★★★★☆☆ Overview: Bytes Technology Group plc provides software, security, AI, and cloud services across the United Kingdom, Europe, and internationally with a market cap of £893.11 million. Operations: Bytes Technology Group plc generates revenue from its IT Solutions Provider segment, amounting to £217.13 million. Dividend Yield: 5.4% Bytes Technology Group has announced a special dividend alongside an increased final dividend, reflecting a focus on shareholder returns despite its historically volatile dividend history. The dividends are well-covered by earnings and cash flows, with payout ratios of 43.9% and 74.8%, respectively, suggesting sustainability. Recent earnings growth of £54.84 million from £46.85 million supports this strategy; however, the company's share price remains highly volatile, which may concern some investors seeking stability in their income investments. Click here and access our complete dividend analysis report to understand the dynamics of Bytes Technology Group. In light of our recent valuation report, it seems possible that Bytes Technology Group is trading behind its estimated value. Macfarlane Group Simply Wall St Dividend Rating: ★★★★☆☆ Overview: Macfarlane Group PLC, with a market cap of £157.74 million, designs, manufactures, and distributes protective packaging products to businesses in the United Kingdom and Europe through its subsidiaries. Operations: Macfarlane Group PLC generates its revenue from two main segments: Packaging Distribution, which accounts for £228.76 million, and Manufacturing Operations, contributing £47.46 million. Dividend Yield: 3.7% Macfarlane Group's dividends are backed by a low payout ratio of 37.5% and cash payout ratio of 25.8%, indicating strong coverage by earnings and cash flows, though its dividend history has been volatile over the past decade. The company is conducting a share buyback program to repurchase up to £4 million worth of shares, potentially enhancing shareholder value. Despite trading at a discount relative to fair value estimates, its dividend yield remains below top-tier UK payers. Take a closer look at Macfarlane Group's potential here in our dividend report. Insights from our recent valuation report point to the potential undervaluation of Macfarlane Group shares in the market. Key Takeaways Delve into our full catalog of 56 Top UK Dividend Stocks here. Have a stake in these businesses? Integrate your holdings into Simply Wall St's portfolio for notifications and detailed stock reports. Enhance your investing ability with the Simply Wall St app and enjoy free access to essential market intelligence spanning every continent. Contemplating Other Strategies? Explore high-performing small cap companies that haven't yet garnered significant analyst attention. Fuel your portfolio with companies showing strong growth potential, backed by optimistic outlooks both from analysts and management. Find companies with promising cash flow potential yet trading below their fair value. This article by Simply Wall St is general in nature. We provide commentary based on historical data and analyst forecasts only using an unbiased methodology and our articles are not intended to be financial advice. It does not constitute a recommendation to buy or sell any stock, and does not take account of your objectives, or your financial situation. We aim to bring you long-term focused analysis driven by fundamental data. Note that our analysis may not factor in the latest price-sensitive company announcements or qualitative material. Simply Wall St has no position in any stocks mentioned. Companies discussed in this article include AIM:NWF LSE:BYIT and LSE:MACF. This article was originally published by Simply Wall St. Have feedback on this article? Concerned about the content? with us directly. Alternatively, email editorial-team@
Forbes
25 minutes ago
- Forbes
New Study Shows AI Is AI Biased Toward AI. 10 Steps To Protect Yourself
Large language models show dangerous favoritism toward AI-generated content. What does this means for human agency In the sprawling digital landscape of 2025, where artificial intelligence generates everything from news articles to marketing copy, a troubling pattern has emerged: AI systems consistently favor content created by other AI systems over human-written text. This "self-preference bias" isn't just a technical curiosity—it's reshaping how information flows through our digital ecosystem, often in ways we don't even realize. Navigating Digital Echo Chambers Recent research reveals that large language models exhibit a systematic preference for AI-generated content, even when human evaluators consider the quality equivalent. When an LLM evaluator scores its own outputs higher than others' while human annotators consider them of equal quality, we're witnessing something unprecedented: machines developing a form of algorithmic narcissism. This bias manifests across multiple domains. Self-preference is the phenomenon in which an LLM favors its own outputs over texts from other LLMs and humans and studies show this preference is remarkably consistent. Whether evaluating product descriptions, news articles, or creative content, AI systems demonstrate a clear favoritism toward machine-generated text. The implications are worrisome. In hiring processes, AI-powered screening tools might unconsciously favor résumés that have been "optimized" by other AI systems, potentially discriminating against candidates who write their own applications. In academic settings, AI grading systems could inadvertently reward AI-assisted assignments while penalizing less polished, but authentic human work. The Human Side Of The Bias Equation And here's where the story becomes even more complicated: humans show their own contradictory patterns. Participants tend to prefer AI-generated responses. However, when the AI origin is revealed, this preference diminishes significantly, suggesting that evaluative judgments are influenced by the disclosure of the response's provenance rather than solely by its quality. This reveals a fascinating psychological complexity. When people don't know content is AI-generated, they often prefer it — perhaps because AI systems have been trained to produce text that hits our cognitive sweet spots. However, the picture becomes murkier when AI origin is revealed. Some studies find minimal impact of disclosure on preferences, while others document measurable penalties for transparency, with research showing that revealing AI use consistently led to drops in trust. Consider the real-world implications: This inconsistent response to AI disclosure creates a complex landscape where the same content might be received differently depending on how its origins are presented. During health crises or other critical information moments, these disclosure effects could literally be matters of life and death. The Algorithmic Feedback Loop The most concerning aspect isn't either bias in isolation. It's how they interact. As AI systems increasingly train on internet data that includes AI-generated content, they're essentially learning to prefer their own "dialects." Meanwhile, humans who unconsciously consume and prefer AI-optimized content are gradually shifting their own writing and thinking patterns. GPT-4 exhibits a significant degree of self-preference bias, and researchers hypothesize this occurs because LLMs may favor outputs that are more familiar to them, as indicated by lower perplexity. In simpler terms, AI systems prefer content that feels "normal" to them, which increasingly means content that sounds like AI. This creates a dangerous feedback loop. As AI-generated content proliferates across the internet, future AI systems will train on this data, reinforcing existing biases and preferences. Meanwhile, humans exposed to increasing amounts of AI-optimized content might unconsciously adopt its patterns, creating a convergence toward machine-preferred communication styles. The Stakes Are Already High These biases aren't hypothetical future problems — they're shaping decisions today. In recruitment, AI-powered tools are already screening millions of job applications. If these systems prefer AI-optimized résumés, candidates who don't use AI assistance face an invisible disadvantage. In content marketing, brands using AI-generated copy might receive algorithmic boosts from AI-powered recommendation systems, while human creators see their reach diminished. The academic world provides another stark example. As AI detection tools become commonplace, students face a perverse incentive: write too well, and you might be falsely flagged as using AI. Write in a more AI-compatible style and you might avoid detection but contribute to the homogenization of human expression. In journalism and social media, the implications are even more profound. If AI-powered content recommendation algorithms favor AI-generated news articles and posts, we could see a systematic amplification of machine-created information over human reporting and authentic social expression. Building Double Literacy For The AI Age Navigating this landscape requires double literacy — a holistic understanding of ourselves and society, and of the tools we interact with. This type of 360° comprehension encompasses both, our own cognitive biases and the algorithmic biases of AI systems we interact with daily. Here are 10 practical steps to invest in your double bias shield today: The Hybrid Path Forward A pragmatic solution in this hybrid era isn't to reject AI or pretend we can eliminate bias entirely. Instead, we need to invest in hybrid intelligence – the complementarity of of AI and NI, to develop more refined relationships with both human and artificial intelligence. This means creating AI systems that are transparent about their limitations and training humans to be more discerning consumers and creators of information. Organizations deploying AI should implement bias audits that specifically look for self-preference tendencies. Developers need to build AI systems that can recognize and compensate for their own biases. Most importantly, we need educational frameworks that help people understand how AI systems think differently from humans. Beyond good and bad judgment this is the time to acknowledge and harness differences deliberately. The AI mirror trap puts a spotlight on this moment we're living through. We're creating assets that reflect our own patterns back at us, often in amplified form. Our agency in this AI-saturated world depends not on choosing between human and artificial intelligence, but on developing the wisdom to understand and navigate both. The future belongs not to those who can best mimic AI or completely avoid it, but to those who can dance skillfully with both human and artificial forms of music has just begun. Let's start practicing.
Yahoo
26 minutes ago
- Yahoo
Why is Trump calling on the CEO of Intel to resign?
President Trump called on Intel CEO Lip-Bu Tan to resign on Thursday, prompting a slide in the technology company's stock. "The CEO of Intel is highly CONFLICTED and must resign, immediately," Mr. Trump posted on Truth Social, without providing additional details. "There is no other solution to this problem. Thank you for your attention to this problem!" Intel did not immediately respond to CBS MoneyWatch's request for comment. Its shares slipped 64 cents, or 3%, to $19.77 on Thursday. The president's call for Tan's resignation comes after Sen. Tom Cotton, a Republican from Arkansas, sent a letter to Intel Chairman Frank Yeary on Tuesday expressing concern over Tan's investments and ties to Chinese businesses. "Mr. Tan reportedly controls dozens of Chinese companies and has a stake in hundreds of Chinese advanced-manufacturing and chip firms," Cotton wrote in the letter. "At least eight of these companies reportedly have ties to the Chinese People's Liberation Army." Cotton went on to mention Cadence Design Systems, the multinational tech company where Tan served as CEO from 2009 to 2021, and which pleaded guilty last week to unlawfully exporting its products to a Chinese military university and transferring its technology to an associated Chinese semiconductor company without obtaining licenses. "These illegal activities occurred under Mr. Tan's tenure," Cotton wrote. The senator asked Yeary to respond to a series of questions on Tan's ties to the Chinese companies by Aug. 15. Tan, a technology investor and veteran of the semiconductor industry, was appointed as CEO of Intel in March. Global stock markets react to Trump's sweeping tariffs in effect now Sneak peek: The Strange Shooting of Alex Pennig Sean "Diddy" Combs wants to go back to Madison Square Garden in the future, attorney says
