Reflecting on the fourth quarter earnings of financial technology stocks: Remitly (NASDAQ:RELY)

Comparing Remitly and Its Fintech Peers: Q4 Earnings Recap

As the fourth quarter earnings season for financial technology companies concludes, let's examine how Remitly (NASDAQ:RELY) stacked up against its competitors.

Fintech Industry Trends

Financial technology firms are thriving thanks to growing consumer interest in digital payment solutions, online banking, and innovative financial services. This momentum is driven by the rise of e-commerce, advancements in blockchain technology, and AI-powered credit assessments, all of which make accessing and transferring money more efficient and affordable. While traditional banks and regulators present challenges, fintech companies continue to disrupt the industry by reaching underserved markets and are well-positioned for sustained expansion.

Q4 Performance Overview

Among the four fintech stocks analyzed, quarterly results were mixed. Collectively, these companies surpassed revenue forecasts by 2.3%, and their projections for the next quarter’s revenue were generally in line with expectations.

Despite the varied results, fintech stocks have rallied, with share prices climbing an average of 17.9% since their latest earnings releases.

Remitly (NASDAQ:RELY) Highlights

Remitly, an international money transfer platform backed early on by Amazon’s Jeff Bezos, allows users to send funds worldwide quickly and securely.

In the most recent quarter, Remitly reported $442.2 million in revenue—a 25.7% increase from the previous year and 3.5% above analyst estimates. The company also provided EBITDA guidance for the upcoming quarter that exceeded expectations, marking a standout performance.

Co-founder and CEO Matt Oppenheimer commented, “We ended 2025 with very strong results, exceeding our guidance for both revenue and Adjusted EBITDA.”

Remitly Total Revenue

However, Remitly’s outlook for the full year was the most conservative among its peers. The company reported 9.3 million active users, a 19.2% year-over-year increase. Since announcing results, Remitly’s stock has surged 28.9% and is currently trading at $17.55.

Top Q4 Performer: LendingTree (NASDAQ:TREE)

LendingTree, which applies the comparison-shopping model to financial products, connects consumers with providers for mortgages, loans, credit cards, insurance, and more.

The company posted $319.7 million in revenue for the quarter, up 22.2% year-over-year and 11.5% above analyst expectations. LendingTree also delivered EBITDA guidance and results that surpassed forecasts, making it a standout this quarter.

LendingTree Total Revenue

LendingTree achieved the largest beat of analyst estimates and raised its full-year guidance more than any peer. Investors responded positively, with the stock rising 24.9% since the earnings announcement to $47.15.

Slowest Q4: Coinbase (NASDAQ:COIN)

Coinbase, a leading name in the cryptocurrency sector, provides blockchain-based trading, staking, stablecoin, and payment services.

For the quarter, Coinbase reported $1.78 billion in revenue—a 21.6% decline from the prior year and 1.8% below analyst expectations. The company missed both revenue and EBITDA estimates, making for a challenging quarter.

Coinbase recorded the slowest revenue growth among the group. Nevertheless, its stock has jumped 29.1% since the results and is now priced at $182.14.

Robinhood (NASDAQ:HOOD) Update

Robinhood, known for its commission-free trading platform, aims to make finance accessible to everyone, offering both stock and crypto trading to consumers.

The company generated $1.28 billion in revenue, up 26.5% year-over-year, but this result was 3.9% below analyst projections. Robinhood missed both revenue and EBITDA estimates, despite leading its peers in revenue growth rate. Following the report, its stock has declined 11.5% and is currently valued at $75.72.

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