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Remitly Global cash flow, quarter by quarter

Latest: Q3 2026 · from the cash-flow statements filed with the SEC

Free cash flow$91.6M in Q3 2026 · $395M over twelve months

Operating cash flow$93.0M
Capital spending−$1.4M
Free cash flow+$91.6M
Cash / net income1.4×

Analysis

In Q3 2026, Remitly Global generated $93.0M of operating cash flow and spent $1.4M on capital projects, leaving free cash flow of $91.6M. That is $6.5M more than in Q3 2025 ($85.1M).

Over the twelve months to Sep 30, 2026, operating cash flow was $409M; the largest uses were buybacks ($92.0M), other financing ($77.1M), other investing ($29.0M); besides operations, cash came from shares issued ($3.5M); the cash balance rose by $193M.

Operating cash flow was $93.0M against net income of $67.6M — 1.4× profit, cash ran ahead of reported earnings. The largest differences: stock-based pay +$39.6M, payables −$10.7M, accrued liabilities −$8.9M.

Free cash flow

Remitly Global: free cash flow by quarterRemitly Global: free cash flow by quarter−$30.1MQ4 2024$70.2MQ1 2025$46.8MQ2 2025$85.1MQ3 2025$93.5MQ4 2025$75.9MQ1 2026$133MQ2 2026$91.6MQ3 2026
Operating cash flow less capital spending.
Remitly Global: operating cash flow against capital spendingRemitly Global: operating cash flow against capital spendingOperating cash flowCapital spending−$27.3M$2.8MQ4 2024$80.8M$10.6MQ1 2025$54.7M$7.9MQ2 2025$89.7M$4.6MQ3 2025$99.9M$6.4MQ4 2025$81.9M$6.0MQ1 2026$135M$1.2MQ2 2026$93.0M$1.4MQ3 2026
Latest (Q3 2026): Operating cash flow $93.0M, Capital spending $1.4M.

Capital allocation, year by year

Remitly Global: where the cash came from (up) and went (down), by fiscal yearRemitly Global: where the cash came from (up) and went (down), by fiscal yearOperating cash flowNet borrowingShares issuedCapital spendingAcquisitionsBuybacksFY2021: Operating cash flow −$18.4MFY2021: Net borrowing −$160MFY2021: Shares issued $314MFY2021: Capital spending −$2.0M$314MFY2021FY2022: Operating cash flow −$109MFY2022: Net borrowing −$384KFY2022: Shares issued $11.6MFY2022: Capital spending −$3.7MFY2022: Acquisitions −$248K$11.6MFY2022FY2023: Operating cash flow $66.8MFY2023: Net borrowing $243MFY2023: Shares issued $14.3MFY2023: Capital spending −$2.9MFY2023: Acquisitions −$40.9M$324MFY2023FY2024: Operating cash flow $112MFY2024: Net borrowing −$130MFY2024: Shares issued $8.7MFY2024: Capital spending −$6.0M$120MFY2024FY2025: Operating cash flow $325MFY2025: Net borrowing $155MFY2025: Shares issued $6.7MFY2025: Capital spending −$29.4MFY2025: Buybacks −$23.9M$487MFY2025
Over these 5 years operating cash flow totalled $376M; the largest uses were net borrowing ($290M) and operating cash flow ($127M). Cash-flow statements as filed.

Cash runway and the debt wall

Cash & investments$669M
Debt$2.9M
Net cash$666M

Remitly Global funds itself: free cash flow was $395M over the last twelve months, and $669M of cash and investments stands against $2.9M of debt.

Where the cash came from and went

Remitly Global: sources (+) and uses (−) of cash, Q3 2026Remitly Global: sources (+) and uses (−) of cash, Q3 2026Operating cash flow$93.0MOther financing−$79.9MBuybacks−$14.8MCash drawn (+) / kept (−)$7.0MOther investing−$3.9MTaxes on employees’ shares−$1.8MShares issued$1.6MCapital spending−$1.4MExchange rates$195K
Remitly Global: sources (+) and uses (−) of cash, TTM to Q3 2026Remitly Global: sources (+) and uses (−) of cash, TTM to Q3 2026Operating cash flow$409MCash drawn (+) / kept (−)−$193MBuybacks−$92.0MOther financing−$77.1MOther investing−$29.0MCapital spending−$14.9MTaxes on employees’ shares−$6.4MShares issued$3.5MExchange rates−$881K

From profit to cash

Remitly Global: net income to operating cash flow, Q3 2026Remitly Global: net income to operating cash flow, Q3 2026Net income$67.6MDepreciation & amortization$6.7MStock-based pay$39.6MDeferred taxes−$496KPayables−$10.7MAccrued liabilities−$8.9MPrepaid and other assets−$6.1MOperating cash flow$93.0M
Non-cash charges are added back; money tied up in receivables or inventory is subtracted.

Every quarter

QuarterOperating cash flowCapital spendingBuybacksNet borrowing (+) / repaid (−)Shares issuedCash drawn (+) / kept (−)Free cash flow
Q3 2026$93.0M−$1.4M−$14.8M—$1.6M$7.0M$91.6M
Q2 2026$135M−$1.2M−$22.7M—$1.0M−$27.4M$133M
Q1 2026$81.9M−$6.0M−$42.5M−$155M$417K−$106M$75.9M
Q4 2025$99.9M−$6.4M−$12.0M$155M$447K−$65.8M$93.5M
Q3 2025$89.7M−$4.6M−$11.9M—$1.6M$39.2M$85.1M
Q2 2025$54.7M−$7.9M——$2.2M−$22.0M$46.8M
Q1 2025$80.8M−$10.6M——$2.4M−$126M$70.2M
Q4 2024−$27.3M−$2.8M——$2.9M−$43.4M−$30.1M

Remitly Global: income statement and cash flow

Remitly Global, Q3 2026: revenue $510M (+22% year over year), operating margin 13.6%. The chart follows the revenue to costs, profit and cash.

Remitly Global: every quarter, Q/Q and Y/Y → Open in the app

Read automatically from the company’s XBRL cash-flow statements; quarterly figures for the fourth quarter are the year less the first three. Errors are possible. Not investment advice.