OPEN vs RELY Stock Comparison
Compare OPEN and RELY across AIQ Score, fundamentals, valuation, momentum, risk, analyst expectations and current market evidence.
What is the main difference between OPEN and RELY?
RELY leads the current stock comparison as Remitly Global, Inc., with the clearest separation coming from quality and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Opendoor Technologies Inc. vs Remitly Global, Inc.
RELY leads
RELY leads by 22 AIQ points, primarily on Quality and Momentum, but the lead has narrowed from 27 points over 30 sessions. Wall Street currently favors OPEN on target upside.
Competitive: 4 of 6 evidence groups support RELY, its lead is narrowing, and its current signal state is conflicted.
Opendoor Technologies Inc.
Remitly Global, Inc.
The Algovestiq AIQ Score currently favors RELY over OPEN, 63 versus 41 as of Sep 11, 2026. RELY's advantage is driven primarily by stronger quality and momentum. RELY also shows the stronger technical structure relative to its 50-day moving average, though analyst target upside currently favors OPEN. 4 of 6 covered evidence groups favor RELY today, and the comparison is rated Competitive on stability: the leader's advantage has been narrowing. RELY lead: Weakening — the AIQ differential moved from 27 to 22 points over 30 sessions.
Compare Opendoor Technologies Inc. and Remitly Global, Inc. across the Algovestiq AIQ Score, valuation, quality, momentum, risk, technicals and analyst expectations.
Performance over time
Price-return comparison using available daily close history.
Total return comparison
Growth of $10,000
Based on available close-price history. Distribution reinvestment is not added unless already reflected in the source series.
Compare OPEN and RELY against another ticker
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AIQ Factor Divergence
Where the two separate, on the four dimensions behind the AIQ Score. Bars read outward from a shared zero: further from the centre is a wider gap.
- Quality31 vs 89RELY +58
- Momentum25 vs 36RELY +11
- Risk Resilience39 vs 46RELY +7
- Value65 vs 68Even
4 of 6 evidence groups favor RELY. RELY’s edge is concentrated in quality and momentum.
What changed since the last close
Latest scored session 2026-09-10, compared against the prior scored session 2026-09-09.
No factor moved materially.
New signals
- BB Lower Band Breach — bullish, volatility, short horizon
- Keltner Channel Breakdown — bearish, volatility, short horizon
Largest factor move: Momentum -7
New signals
- Keltner Channel Breakdown — bearish, volatility, short horizon
RELY's lead narrowed by 2 AIQ points in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — OPEN and RELY both carry a full feed there.
The central trade-off
RELY (Remitly Global, Inc.): the stronger current systematic profile, led by quality and momentum.
OPEN (Opendoor Technologies Inc.): the counter-case, on analyst expectations.
The AIQ Score and Wall Street therefore point in different directions on this pair.
Which one fits your objective
The same two names rank differently depending on what you are optimizing for. All six reads are shown at once — none of them is hidden behind a toggle.
Balanced
RELYRELY on the overall AIQ Score, which weights Quality and Value most heavily.
Growth
OPENOPEN on combined revenue and EPS growth.
Value
EvenThe two are level on Value.
Momentum
RELYRELY on the Momentum factor, by 11 points.
Lower downside
RELYRELY on Risk Resilience, by 7 points.
Analyst upside
OPENOPEN on implied upside to the consensus price target.
AIQ vs Wall Street
The model and the Street disagree here: AIQ favors RELY, analyst targets favor OPEN. That disagreement is the most useful thing on this page.
| Measure | OPEN | RELY | Note |
|---|---|---|---|
| Implied upside to target | +112.2% | +29.9% | OPEN has more room |
| Target dispersion | +63.3% | +35% | Lower is tighter analyst agreement |
| Consensus | Hold | Buy | Context, not a primary driver |
| Analysts covering | 3 | 4 | Higher coverage generally improves confidence |
The two are measuring different things. The AIQ Score reads current fundamentals, valuation, trend and risk; analyst targets price forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something already priced in — it is worth resolving before acting on either.
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
4 of 6 covered evidence groups favor RELY. A wide gap backed by one group is a weaker case than a narrow gap backed by five.
| Evidence group | Favors | Reading |
|---|---|---|
| AIQ Score | RELY | 41 vs 63 |
| Fundamentals | RELYon balance | revenue growth 22.6% vs 9.4%; EPS growth 5.6% vs 3.3%; TTM ROE -165.1% vs 33%; gross margin 8.3% vs 60%; operating margin -16% vs 10.1% — RELY takes 3 of 5 decided legs, not all of them |
| Valuation | Even | Value 65 vs 68 |
| Technicals | RELY | Price vs 50-day -27.8% vs -10.4%; vs 200-day -40.8% vs 16.2% |
| Risk Resilience | RELY | Risk Resilience 39 vs 46 |
| Analyst expectations | OPEN | Target upside 112.2% vs 29.9% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of OPEN and RELY and are excluded from the count.
AIQ Decision Stability
The two are close enough that your objective, not the score, should decide.
- The AIQ gap is wide at 22 points. (supports the conclusion holding)
- The leader's advantage has been narrowing. (argues the conclusion is provisional)
- The lead has been steady session to session. (supports the conclusion holding)
- The leader is throwing conflicting signals. (argues the conclusion is provisional)
Stability combines the score gap, how broadly the evidence agrees, how steady the lead has been across daily snapshots, the current signal state on both names, and analyst dispersion on RELY.
How the comparison changed
119 daily snapshots · May 4 – Sep 10RELY lead: Weakening — the AIQ differential moved from 27 to 22 points over 30 sessions.
- Today
- RELY +22
- 41 vs 63
- 7 sessions ago
- RELY +28
- 42 vs 70
- 30 sessions ago
- RELY +27
- 44 vs 71
- 90 sessions ago
- RELY +27
- 49 vs 76
The lead has not changed hands in this window.
AIQ Signal Divergence
Only the signals that bear on the head-to-head. A conflicted name is carrying bullish and bearish rules at the same time — the technical evidence is not pointing one way.
2 bullish / 5 bearish / 1 neutral, conflicted
- Death Cross Active — bearish, trend, long horizon (29.64%)
- BB Lower Band Breach — bullish, volatility, short horizon
- Keltner Channel Breakdown — bearish, volatility, short horizon
3 bullish / 2 bearish / 2 neutral, conflicted
- Golden Cross Active — bullish, trend, long horizon (30.01%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- BB Lower Band Breach — bullish, volatility, short horizon
RELY leads the comparison while carrying a conflicted signal state, which is one reason the stability rating is not higher.
Price vs model alignment
Whether the latest session's price move confirms what the model did over the same session, or contradicts it.
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price -0.36%, AIQ 0 points).
Price is up while the AIQ Score moved down 2 points over the same session — price and model disagree (price +0.27%, AIQ -2 points).
What would flip this result
A state, not a forecast. These are the specific, observable changes that would reverse the verdict — not a price prediction.
- 1OPEN closes the Quality gap — currently 58 points behind, the largest single contributor to RELY's edge.
- 2OPEN's Death Cross Active resolves — a bearish trend rule currently active against it.
- 3RELY's conflicting signal state resolves bearish — it currently carries 3 bullish and 2 bearish rules at once.
- 4The narrowing continues — the lead has already given back 5 points over 30 sessions, and a further 22-point move would eliminate RELY's advantage entirely.
The full evidence
Every number behind the verdict. The leader is called above each group so you are not left to solve it from the table.
Fundamentals
RELY leads on balance| Metric | OPEN | RELY |
|---|---|---|
| Revenue growth (YoY) | 22.6% | 9.4% |
| EPS growth (YoY) | 5.6% | 3.3% |
| Gross margin | 8.3% | 60% |
| Operating margin | -16% | 10.1% |
| Return on equity (TTM) | -165.1% | 33% |
| Debt to equity | 0.21 | 0.03 |
Performance
RELY leads 5 of 6 windows| Metric | OPEN | RELY |
|---|---|---|
| 1 week (5 sessions) | -9.4% | -18.2% |
| 1 month (20 sessions) | -19.8% | -9.5% |
| 3 months (63 sessions) | -37.5% | 21.6% |
| 6 months (126 sessions) | -46.9% | 29.2% |
| Year to date | -47.3% | 58.9% |
| 1 year (252 sessions) | -52.1% | 10% |
Technicals
RELY has the stronger structure| Metric | OPEN | RELY |
|---|---|---|
| RSI (14) | 25.2 | 37.5 |
| ADX (14) | 31.4 | 21.5 |
| Price vs 50-day | -27.8% | -10.4% |
| Price vs 200-day | -40.8% | 16.2% |
| Volatility (1M, annualized) | 57.6% | 61.1% |
Risk
RELY is the more resilient| Metric | OPEN | RELY |
|---|---|---|
| Beta | 3.26 | 1.35 |
| Sharpe ratio | -0.17 | 0.36 |
| Sortino ratio | -0.4 | 0.47 |
| Max drawdown | -72.5% | -39.8% |
| Current drawdown | -72.5% | -18.5% |
| Annualized volatility | 118.3% | 57.4% |
| Value at risk (95%) | -8.7% | -5% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, OPEN or RELY?
On the Algovestiq AIQ Score, RELY is the stronger of the two as of Sep 11, 2026, scoring 63 against OPEN's 41. The edge comes from quality and momentum. This is a systematic score, not a recommendation: it ranks the two on the same evidence, it does not know your holding period or tax position.
Is OPEN or RELY the better buy right now?
RELY carries the stronger systematic profile as of Sep 11, 2026, and the comparison is rated Competitive — 4 of 6 covered evidence groups agree. A Competitive rating means the two are close enough that your objective, not the score, should decide.
Why does the AIQ Score favor RELY over OPEN?
The composite weights Quality, Value, Momentum and Risk Resilience. RELY leads Quality by 58 points; RELY leads Momentum by 11 points; RELY leads Risk Resilience by 7 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, OPEN or RELY?
Analyst price targets imply +112.2% upside for OPEN and +29.9% for RELY, so the Street currently favors OPEN. That points the opposite way to the AIQ Score, which favors RELY. The two are measuring different things: the model reads current fundamentals, valuation, trend and risk; the Street is pricing forward expectations. A divergence of this kind is either a contrarian opportunity or a sign the model is missing something the analysts have already priced — it is the single most useful row on this page to investigate. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, OPEN or RELY?
Neither name separates on the peer-relative Value factor. The two are level on Value. The Value factor reads valuation relative to sector peers and to the company's own fundamental quality, so it is not the same as simply having the lower multiple.
Which has stronger growth, OPEN or RELY?
OPEN on combined revenue and EPS growth. Growth here is measured on reported revenue and earnings, not on forward estimates — it describes what the businesses have delivered, not what the Street expects next.
Which has stronger momentum, OPEN or RELY?
RELY on the Momentum factor, by 11 points. Momentum is one of the four weighted factors in the AIQ composite. It has documented persistence over three- to twelve-month horizons, which makes it a timing input rather than a reason to hold something indefinitely.
Which is riskier, OPEN or RELY?
RELY is the more resilient of the two, so the other name carries the higher downside risk. RELY on Risk Resilience, by 7 points. Risk Resilience is a weighted factor in the composite; position sizing usually responds to it more usefully than the buy/avoid decision does.
Is OPEN more profitable than RELY?
RELY leads on the comparable margin measures — gross margin 8.3% vs 60%; operating margin -16% vs 10.1%; ttm roe -165.1% vs 33%.
Is RELY's lead over OPEN getting stronger or weaker?
RELY lead: Weakening — the AIQ differential moved from 27 to 22 points over 30 sessions. This is measured from 119 daily comparison snapshots between 2026-05-04 and 2026-09-10. The lead has not changed hands in that window.
What would change the OPEN vs RELY verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: OPEN closes the Quality gap — currently 58 points behind, the largest single contributor to RELY's edge; OPEN's Death Cross Active resolves — a bearish trend rule currently active against it; RELY's conflicting signal state resolves bearish — it currently carries 3 bullish and 2 bearish rules at once; the narrowing continues — the lead has already given back 5 points over 30 sessions, and a further 22-point move would eliminate RELY's advantage entirely.
What do the current signals say about OPEN and RELY?
OPEN: 2 bullish / 5 bearish / 1 neutral, conflicted. RELY: 3 bullish / 2 bearish / 2 neutral, conflicted. A conflicted state means bullish and bearish rules are active on the same name at once — the technical evidence is not pointing one way, and a decision taken on it carries more timing risk. The most decision-relevant rule on OPEN is Death Cross Active (bearish, long horizon). On RELY it is Golden Cross Active (bullish, long horizon).
Compare OPEN and RELY with others
Continue your research
This page answers which of the two. These answer the questions on either side of it.
How this comparison is scored
The Algovestiq AIQ Score composites four factors — Quality, Value, Momentum and Risk, each carrying a fixed weight. Sentiment is reported separately as SentimentPulse and is not folded into the composite. Scores refresh every trading day, and this page regenerates from the latest snapshot rather than being written once.
The verdict names a leader, states how broadly six independent evidence groups agree, and rates how durable that conclusion is given the score gap, its recent trajectory and the current signal state on both names.
How to use side-by-side comparison →This comparison is informational and educational, not investment advice. AIQ scores update daily; re-check after earnings, guidance or macro data that materially changes either name’s factor profile.