Remitly Global 2025年季度报告

For the quarterly period endedSeptember 30, 2025 OR Indicate by check mark whether the registrant (1) has filed all reports required to be filed by Section 13 or 15(d) of the Securities Exchange Act of1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2) has been subject to suchfiling requirements for the past 90 days.Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant to Rule 405of Regulation S-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant was required to submitsuch files).Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reporting company, oran emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company,” and “emerging growthcompany” in Rule 12b-2 of the Exchange Act. If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complying with anynew or revised financial accounting standards provided pursuant to Section 13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule 12b-2 of the Exchange Act). Yes☐No☒ As of November 3, 2025, the registrant had209,045,931shares of common stock, $0.0001 par value per share, outstanding. TABLE OF CONTENTS Item 1.Financial Statements1Condensed Consolidated Balance Sheets as ofSeptember 30, 2025andDecember 31, 20241Condensed Consolidated Statements of Operations for thethree and nine months endedSeptember 30, 2025and20242Condensed Consolidated Statements of Comprehensive Income (Loss) for thethree and nine months endedSeptember 30,2025and20243Condensed Consolidated Statements ofStockholders’ Equityfor thethree and nine months endedSeptember 30, 2025and20244Condensed Consolidated Statements of Cash Flows for thenine months endedSeptember 30, 2025and20246Notes toCondensedConsolidatedFinancialStatements7Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations21Item 3.Quantitative and Qualitative DisclosuresAbout Market Risk32Item 4.Controls and Procedures33 Part IIOther Information34Item 1.Legal Proceedings34Item 1A.Risk Factors34Item 2.Unregistered Sales of Equity Securities and Use of Proceeds34Item 3.Defaults Upon Senior Securities34Item 4.Mine Safety Disclosures35Item 5.Other Information35Item 6.Exhibits36 Signatures SPECIAL NOTE REGARDING FORWARD-LOOKING STATEMENTS This Quarterly Report on Form 10-Q contains forward-looking statements that involve substantial risks and uncertainties. All statements other thanstatements of historical facts contained in this Quarterly Report on Form 10-Q, including statements regarding future events or our future results ofoperations, financial condition, business, strategies, financial needs, and the plans and objectives of management, are forward-looking statements. Insome cases you can identify forward-looking statements because they contain words such as “anticipate,” “believe,” “continue,” “could,” “estimate,”“expect,” “intend,” “may,” “might,” “likely,” “plan,” “potential,” “predict,” “project,” “seek,” “should,” “target,” “will,” “would,” or similarexpressions and the negatives of those terms. These forward-looking statements include, but are not limited to, statements concerning the following: •our expectations regarding our revenue, expenses, and other operating results;•our ability to acquire new customers and successfully retain existing customers;•our ability to continue to develop new products and services in a timely manner;•our ability to achieve or sustain our profitability;•our ability to maintain and expand our strategic relationships with third parties;•our business plan and our ability to effectively manage our growth;•anticipated trends, growth rates, and challenges in our business and in the market segments in which we operate;•our ability to attract and retain qualified employees;•uncertainties regarding the impact of geopolitical and macroeconomic conditions, including currency fluctuations, inflation, regulatorychanges (including as may be related to immigration, fiscal and tax policy, foreign trade, or foreign investment), regional and globalconflicts or related government sanctions, or legislative or regulatory developments;•our ability to maintain the security and availability of our solutions;•our ability to maintain our money transmission licenses and other regulatory clearances or obtain new licenses and regulatory clearances;•our ability to maintain and expand international operations;•our expectations regarding anticipated technology needs and developments and our ability to address those needs and developments with oursolutions; and•our stock repurchase