MSFT
Microsoft Corporation
MSFT has lower modeled downside risk, despite its lower overall score.
RELY
Remitly Global, Inc.
RELY has the edge over MSFT overall, supported by stronger fundamentals and stronger modeled upside.
MSFT Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Healthy | |
| Strong |
MSFT's revenue, profitability, cash flow and balance sheet are all currently healthy.
RELY Fundamentals
| Metric | Status |
|---|---|
| Healthy | |
| Strong | |
| Strong | |
| Healthy |
RELY's revenue, profitability, cash flow and balance sheet are all currently healthy.
MSFT PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Forward | 25x | $523 | — |
| Cheap | 27x | $525 | +0.4% |
| Current | 27x | $523 | — |
| Fair | 34x | $652 | +25% |
| Expensive | 37x | $711 | +36% |
Historical ranges are pointers, not guarantees.
MSFT's PE is in its cheap range at 27x. If earnings grow as analysts expect, today's price would be 25x next year's earnings.
RELY PE Valuation
| Level | PE | Price | Vs current |
|---|---|---|---|
| Current | 14x | $22.79 | — |
| Cheap | 19x | $30.73 | +35% |
| Forward | 23x | $22.79 | — |
| Fair | 54x | $89.46 | +293% |
| Expensive | 258x | $425 | +1765% |
Historical ranges are pointers, not guarantees.
RELY has the edge over MSFT in the historical PE scenario, which offers more potential upside but is not a forecast.
MSFT Forward outlook
| Metric | Outlook |
|---|---|
| Improving | |
| Strong growth | |
| Strong growth | |
| Stable | |
| Moderate | |
| High |
Analysts expect strong earnings and revenue growth for MSFT, with profitability holding steady.
RELY Forward outlook
| Metric | Outlook |
|---|---|
| Strongly deteriorating | |
| Strong growth | |
| Strong growth | |
| Strongly improving | |
| Limited | |
| High |
Analysts expect strong earnings and revenue growth for RELY, with profitability improving.
MSFT Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $20.79 | +8.6% |
| Q3 2026 | $19.15 | +36% |
| Q2 2026 | $17.95 | +32% |
| Q1 2026 | $16.80 | +30% |
| Q4 2025 | $15.99 | +29% |
| Q3 2025 | $14.06 | +16% |
| Q2 2025 | $13.64 | +16% |
| Q1 2025 | $12.93 | +12% |
| Q4 2024 | $12.41 | +12% |
MSFT's earnings per share have climbed steadily: $19.15 over the past year, up 36% from the year before, and higher year over year for 14 quarters in a row.
RELY Earnings Per Share
| Quarter | TTM EPS | YoY |
|---|---|---|
| Forward | $1.00 | -39% |
| Q3 2026 | $1.65 | +1733% |
| Q2 2026 | $1.39 | +2217% |
| Q1 2026 | $0.49 | +$0.52 |
| Q4 2025 | $0.31 | +$0.50 |
| Q3 2025 | $0.09 | +$0.43 |
| Q2 2025 | $0.06 | +$0.61 |
| Q1 2025 | -$0.03 | +$0.57 |
| Q4 2024 | -$0.19 | +$0.46 |
RELY's earnings per share have climbed steadily: $1.65 over the past year, more than ten times what it earned the year before, and higher year over year for 12 quarters in a row.
MSFT Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $92.3B | +19% |
| Q2 2026 | $90B | +18% |
| Q1 2026 | $82.9B | +18% |
| Q4 2025 | $81.3B | +17% |
| Q3 2025 | $77.7B | +18% |
| Q2 2025 | $76.4B | +18% |
| Q1 2025 | $70.1B | +13% |
| Q4 2024 | $69.6B | +12% |
MSFT's revenue has grown year over year every quarter since late 2020: $92.3B last quarter, up 19% from the same quarter a year ago.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 50% | +0.9 points |
| Q2 2026 | 45% | +0.2 points |
| Q1 2026 | 46% | +0.7 points |
| Q4 2025 | 47% | +1.6 points |
| Q3 2025 | 49% | +2.3 points |
| Q2 2025 | 45% | +1.8 points |
| Q1 2025 | 46% | +1.1 points |
| Q4 2024 | 45% | +1.9 points |
MSFT has the edge over RELY on profitability, with a higher operating margin.
RELY Quarterly Revenue
| Quarter | Revenue | YoY |
|---|---|---|
| Q3 2026 | $509.8M | +22% |
| Q2 2026 | $495.2M | +20% |
| Q1 2026 | $452.8M | +25% |
| Q4 2025 | $442.2M | +26% |
| Q3 2025 | $419.5M | +25% |
| Q2 2025 | $411.9M | +34% |
| Q1 2025 | $361.6M | +34% |
| Q4 2024 | $351.9M | +33% |
RELY has the edge over MSFT on sales, with stronger typical year-over-year growth.
| Quarter | Margin | YoY |
|---|---|---|
| Q3 2026 | 14% | +11 points |
| Q2 2026 | 13% | +9.9 points |
| Q1 2026 | 12% | +8.5 points |
| Q4 2025 | 8.8% | +9.8 points |
| Q3 2025 | 2.8% | +2.7 points |
| Q2 2025 | 3.6% | +8.7 points |
| Q1 2025 | 3.4% | +11 points |
| Q4 2024 | -1.1% | +11 points |
RELY's operating margin was 14% last quarter, up 11 points from the same quarter a year ago, near the top of its range since 2017.
MSFT Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $18.6B | -27% |
| Q2 2026 | $19.6B | -23% |
| Q1 2026 | $15.8B | -22% |
| Q4 2025 | $5.9B | -9.3% |
| Q3 2025 | $25.7B | +33% |
| Q2 2025 | $25.6B | +9.6% |
| Q1 2025 | $20.3B | -3.2% |
| Q4 2024 | $6.5B | -29% |
MSFT's free cash flow has been positive every quarter for seven years: $60B over the past year, down 23% from the year before.
RELY Free Cash Flow
| Quarter | Free cash flow | YoY |
|---|---|---|
| Q3 2026 | $91.6M | +1788% |
| Q2 2026 | $133.4M | +367% |
| Q1 2026 | $75.9M | -36% |
| Q4 2025 | $143.3M | +171% |
| Q3 2025 | $4.9M | -97% |
| Q2 2025 | $28.6M | -40% |
| Q1 2025 | $118.9M | +$176.7M |
| Q4 2024 | $52.8M | +$87.9M |
RELY has the edge over MSFT on cash flow, with more consistent year-over-year improvement.
MSFT Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | -0.1% | -7M shares |
| 1 year | -0.3% | -20M shares |
| 3 years | -0.2% | -16M shares |
| 5 years | -1.6% | -121M shares |
| Available history | -3.2% | -245M shares |
MSFT has the edge over RELY on shareholder dilution, with a more favorable share count trend.
| Quarter | Spent |
|---|---|
| Q3 2026 | $4.4B |
| Q2 2026 | $4.6B |
| Q1 2026 | $4.6B |
| Q4 2025 | $7.4B |
| Q3 2025 | $5.7B |
| Q2 2025 | $4.5B |
| Q1 2025 | $4.8B |
| Q4 2024 | $5B |
MSFT spent $21B buying back its own shares over the past year, up 5.2% from the year before.
RELY Total Shares
| Period | Change % | Net change |
|---|---|---|
| Quarterly | +1.1% | +2.5M shares |
| 1 year | +2.9% | +6.3M shares |
| 3 years | +22% | +41M shares |
| 5 years | +38% | +62.1M shares |
| Available history | +672% | +195M shares |
RELY has 224M diluted shares, up 2.9% from a year ago, despite $92M in buybacks over the past year.
| Quarter | Spent |
|---|---|
| Q3 2026 | $14.8M |
| Q2 2026 | $22.7M |
| Q1 2026 | $42.5M |
| Q4 2025 | $12M |
| Q2 2021 | — |
| Q1 2021 | — |
| Q4 2020 | — |
| Q3 2020 | — |
RELY spent $92M buying back its own shares over the past year.
MSFT Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | 0.1x | Very low |
| Q2 2026 | 0.1x | Very low |
MSFT's net debt is less than a year of its operating earnings (EBITDA).
RELY Net Leverage
| Quarter | Net Leverage | Status |
|---|---|---|
| Q3 2026 | -2.6x | Net Cash |
| Q2 2026 | -3.4x | Net Cash |
| Q1 2026 | -4.5x | Net Cash |
| Q4 2025 | -3.8x | Net Cash |
| Q3 2025 | -8.1x | Net Cash |
| Q2 2025 | -11.2x | Net Cash |
| Q1 2025 | -38.2x | Net Cash |
RELY has the edge over MSFT on leverage, with a lower net debt burden relative to earnings.
MSFT Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 62.1 | Neutral |
| Stochastic | 68.0 | Neutral |
MSFT's weekly RSI is 62 (neutral) and its Stochastic is 68 (neutral).
RELY Weekly Momentum
| Metric | Value | Status |
|---|---|---|
| RSI | 51.0 | Neutral |
| Stochastic | 43.3 | Neutral |
RELY's weekly RSI is 51 (neutral) and its Stochastic is 43 (neutral).
MSFT PE vs Technology Sector
| Metric | MSFT | Sector median | Relative |
|---|---|---|---|
| PE | 27x | 28x | 2% below |
| PE % | 16 | 35 | 19 pts below |
MSFT is trading at 27x earnings, in line with the Technology sector's median of 28x.
RELY PE vs Technology Sector
| Metric | RELY | Sector median | Relative |
|---|---|---|---|
| PE | 14x | 28x | 50% below |
| PE % | 2 | 45 | 43 pts below |
RELY has the edge over MSFT on valuation relative to its sector.
MSFT Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $524.7 | 0.3% below |
| 20 week MA | $484.8 | 7.9% above |
| 50 week MA | $446.9 | 17% above |
| 100 week MA | $453.8 | 15% above |
| 200 week MA | $411.5 | 27% above |
MSFT has the edge over RELY on trend strength, trading above more of its moving averages.
RELY Weekly Moving Averages
| Moving average | MA price | Relative |
|---|---|---|
| 8 week MA | $23.2 | 1.7% below |
| 20 week MA | $23.8 | 4.3% below |
| 50 week MA | $19.8 | 15% above |
| 100 week MA | $19.7 | 16% above |
| 200 week MA | $18.8 | 21% above |
RELY has pulled back, but its long-term trend is still up: it's below its 8- and 20-week averages, but 21% above its 200-week average.
MSFT Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2020 | $159.0 | $222.8 | +40% |
| 2021 | $222.8 | $334.7 | +50% |
| 2022 | $334.7 | $238.7 | -29% |
| 2023 | $238.7 | $376.0 | +58% |
| 2024 | $376.0 | $430.5 | +14% |
| 2025 | $430.5 | $487.7 | +13% |
| 2026 YTD | $487.7 | $523.0 | +7.2% |
MSFT has finished higher in five of the last six years, two of them by more than 50%. It's up 7.2% so far in 2026.
RELY Yearly ROI
| Year | Start price | End price | ROI |
|---|---|---|---|
| 2021 | $44.1 | $21.6 | -51% |
| 2022 | $21.6 | $9.64 | -55% |
| 2023 | $9.64 | $19.4 | +101% |
| 2024 | $19.4 | $22.8 | +17% |
| 2025 | $22.8 | $14.2 | -38% |
| 2026 YTD | $14.2 | $22.8 | +60% |
RELY has the edge over MSFT on returns for 2026, with the stronger performance.