RELY vs SOFI Stock Comparison
Compare RELY and SOFI across AIQ Score, fundamentals, valuation, momentum, risk, analyst expectations and current market evidence.
What is the main difference between RELY and SOFI?
RELY leads the current stock comparison as Remitly Global, Inc., with the clearest separation coming from value and the broader AIQ evidence mix.
AlgovestIQ AIQ Comparison
Remitly Global, Inc. vs SoFi Technologies, Inc.
RELY leads
RELY leads by 24 AIQ points, primarily on Value and Quality.
Stable: 5 of 6 evidence groups support RELY, and its current signal state is conflicted.
Remitly Global, Inc.
SoFi Technologies, Inc.
The Algovestiq AIQ Score currently favors RELY over SOFI, 63 versus 39 as of Sep 11, 2026. RELY's advantage is driven primarily by stronger value and quality. RELY also shows the weaker technical structure relative to its 50-day moving average. 5 of 6 covered evidence groups favor RELY today, and the comparison is rated Stable on stability: the leader is throwing conflicting signals. RELY lead: Stable — the AIQ differential has held near 24 points over 30 sessions.
Compare Remitly Global, Inc. and SoFi Technologies, 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 RELY and SOFI against another ticker
Open a multi-ticker workspace without changing this focused pair page.
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.
- Value68 vs 27RELY +41
- Quality89 vs 62RELY +27
- Risk Resilience46 vs 22RELY +24
- Momentum36 vs 37Even
5 of 6 evidence groups favor RELY. RELY’s edge is concentrated in value and quality.
What changed since the last close
Latest scored session 2026-09-10, compared against the prior scored session 2026-09-09.
Largest factor move: Momentum -7
New signals
- Keltner Channel Breakdown — bearish, volatility, short horizon
Largest factor move: Momentum +1
No new signals fired.
RELY's lead narrowed by 2 AIQ points in the latest snapshot.
Deeper signal detail for each name lives on its own signals page — RELY and SOFI both carry a full feed there.
The central trade-off
RELY (Remitly Global, Inc.): the stronger current systematic profile, led by value and quality.
SOFI (SoFi Technologies, Inc.): the counter-case, on fundamentals.
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
RELYRELY on combined revenue and EPS growth.
Value
RELYRELY on the peer-relative Value factor, by 41 points.
Momentum
EvenThe two are level on Momentum.
Lower downside
RELYRELY on Risk Resilience, by 24 points.
Analyst upside
RELYRELY on implied upside to the consensus price target.
AIQ vs Wall Street
Where the systematic read and the analyst consensus line up — and where they do not.
| Measure | RELY | SOFI | Note |
|---|---|---|---|
| Implied upside to target | +29.9% | +19.6% | RELY has more room |
| Target dispersion | +35% | +62.8% | Lower is tighter analyst agreement |
| Consensus | Buy | Hold | Context, not a primary driver |
| Analysts covering | 4 | 11 | Higher coverage generally improves confidence |
Analyst targets are expectations, not predictions. Dispersion matters as much as the midpoint.
AIQ Agreement Matrix
5 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 | 63 vs 39 |
| Fundamentals | SOFIon balance | revenue growth 9.4% vs 11.5%; EPS growth 3.3% vs -7.7%; TTM ROE 33% vs 6.2%; gross margin 60% vs 76.5%; operating margin 10.1% vs 13.2% — SOFI takes 3 of 5 decided legs, not all of them |
| Valuation | RELY | Value 68 vs 27 |
| Technicals | RELY | Price vs 50-day -10.4% vs -3%; vs 200-day 16.2% vs -13.3% |
| Risk Resilience | RELY | Risk Resilience 46 vs 22 |
| Analyst expectations | RELY | Target upside 29.9% vs 19.6% |
✓ agrees with the overall verdict · ✕ points the other way. Groups marked “not covered” lack data on one or both of RELY and SOFI and are excluded from the count.
AIQ Decision Stability
The conclusion rests on a wide gap and broad agreement. It is unlikely to turn on a single session.
- The AIQ gap is wide at 24 points. (supports the conclusion holding)
- 5 of 6 covered evidence groups point the same way. (supports the conclusion holding)
- 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: Stable — the AIQ differential has held near 24 points over 30 sessions.
- Today
- RELY +24
- 63 vs 39
- 7 sessions ago
- RELY +27
- 70 vs 43
- 30 sessions ago
- RELY +23
- 71 vs 48
- 90 sessions ago
- RELY +30
- 76 vs 46
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.
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
0 bullish / 3 bearish / 2 neutral
- Death Cross Active — bearish, trend, long horizon (11.16%)
- Bollinger Band Squeeze — neutral, volatility, short horizon
- Downtrend Structure Active — bearish, trend, long 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.
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).
Neither the price nor the AIQ Score moved enough in the latest session to confirm or contradict the other (price +0.64%, AIQ 0 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.
- 1SOFI closes the Value gap — currently 41 points behind, the largest single contributor to RELY's edge.
- 2SOFI'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.
- 4A regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
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
SOFI leads on balance| Metric | RELY | SOFI |
|---|---|---|
| Revenue growth (YoY) | 9.4% | 11.5% |
| EPS growth (YoY) | 3.3% | -7.7% |
| Gross margin | 60% | 76.5% |
| Operating margin | 10.1% | 13.2% |
| Return on equity (TTM) | 33% | 6.2% |
| Debt to equity | 0.03 | 0.31 |
Performance
RELY leads 4 of 6 windows| Metric | RELY | SOFI |
|---|---|---|
| 1 week (5 sessions) | -18.2% | -3.5% |
| 1 month (20 sessions) | -9.5% | -4.1% |
| 3 months (63 sessions) | 21.6% | 8.4% |
| 6 months (126 sessions) | 29.2% | -7.1% |
| Year to date | 58.9% | -34.3% |
| 1 year (252 sessions) | 10% | -33.7% |
Technicals
RELY has the stronger structure| Metric | RELY | SOFI |
|---|---|---|
| RSI (14) | 37.5 | 45.5 |
| ADX (14) | 21.5 | 12.5 |
| Price vs 50-day | -10.4% | -3% |
| Price vs 200-day | 16.2% | -13.3% |
| Volatility (1M, annualized) | 61.1% | 54.2% |
Risk
RELY is the more resilient| Metric | RELY | SOFI |
|---|---|---|
| Beta | 1.35 | 2.8 |
| Sharpe ratio | 0.36 | -0.49 |
| Sortino ratio | 0.47 | -0.73 |
| Max drawdown | -39.8% | -53% |
| Current drawdown | -18.5% | -46.6% |
| Annualized volatility | 57.4% | 57.7% |
| Value at risk (95%) | -5% | -6.1% |
Straight answers
Each answer is regenerated from the current snapshot, not written once and left to age.
Which is better, RELY or SOFI?
On the Algovestiq AIQ Score, RELY is the stronger of the two as of Sep 11, 2026, scoring 63 against SOFI's 39. The edge comes from value and quality. 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 RELY or SOFI the better buy right now?
RELY carries the stronger systematic profile as of Sep 11, 2026, and the comparison is rated Stable — 5 of 6 covered evidence groups agree. A Stable rating means the gap is wide and the evidence is broad, so the conclusion is unlikely to turn on a single session.
Why does the AIQ Score favor RELY over SOFI?
The composite weights Quality, Value, Momentum and Risk Resilience. RELY leads Value by 41 points; RELY leads Quality by 27 points; RELY leads Risk Resilience by 24 points. Where the two split, the factor with the larger weight carries the result.
Which has more analyst upside, RELY or SOFI?
Analyst price targets imply +29.9% upside for RELY and +19.6% for SOFI, so the Street currently favors RELY. The model and the Street agree here, which is a broader base of evidence than either alone. Analyst targets are expectations, not predictions, and dispersion matters as much as the midpoint.
Which is better value, RELY or SOFI?
RELY is the better-valued of the two on the peer-relative Value factor. RELY on the peer-relative Value factor, by 41 points. 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, RELY or SOFI?
RELY 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, RELY or SOFI?
The two are level on Momentum. 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, RELY or SOFI?
RELY is the more resilient of the two, so the other name carries the higher downside risk. RELY on Risk Resilience, by 24 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 RELY more profitable than SOFI?
The profitability evidence is mixed: gross margin 60% vs 76.5%; operating margin 10.1% vs 13.2%; ttm roe 33% vs 6.2%. RELY leads on one measure and SOFI on two measures, and there is no single profitability composite that resolves the split — which of the two reads as "more profitable" depends on whether you weight pricing power or operating leverage.
Is RELY's lead over SOFI getting stronger or weaker?
RELY lead: Stable — the AIQ differential has held near 24 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 RELY vs SOFI verdict?
The result is a state, not a forecast, so it changes when the underlying evidence changes. Concretely: SOFI closes the Value gap — currently 41 points behind, the largest single contributor to RELY's edge; SOFI'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; a regime shift changes factor weighting — Quality and Value carry the heaviest weights in the composite, so a rotation toward either would move the result most.
What do the current signals say about RELY and SOFI?
RELY: 3 bullish / 2 bearish / 2 neutral, conflicted. SOFI: 0 bullish / 3 bearish / 2 neutral. 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 RELY is Golden Cross Active (bullish, long horizon). On SOFI it is Death Cross Active (bearish, long horizon).
Compare RELY and SOFI 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.