RELY — what changed in the latest 10-Q
A section-by-section comparison of RELY's newest periodic SEC filing (10-K/10-Q) against the prior same-form filing: paragraphs added and removed per section, with verbatim excerpts. Purely a deterministic text diff — no similarity scores, no directional read, not investment advice.
Comparing 10-Q · 2026-08-05 vs the prior 10-Q · 2026-05-06
| Section | Outcome | Added | Removed | Minor | Unchanged |
|---|---|---|---|---|---|
| MD&A | Text added/removed | +30 | −22 | ~21 | 68 |
| Market risk (Item 3) | Text added/removed | 0 | 0 | ~1 | 6 |
| Controls & procedures | Text added/removed | 0 | 0 | ~2 | 0 |
| Legal proceedings | Text added/removed | 0 | 0 | ~1 | 0 |
| Risk factors | No paragraph-level changes | 0 | 0 | 0 | 1 |
| Other information | Text added/removed | 0 | 0 | ~1 | 0 |
Counts are paragraphs; added/removed means text added or removed vs the prior filing — no direction or judgement implied.
Representative excerpts
Up to 5 excerpts of about 300 characters per section, quoted verbatim from the two SEC filings.
MD&A
Text added vs the prior filing · source: 10-Q · 2026-08-05
Send volume increased 32% to $45.6 billion for the six months ended June 30, 2026, compared to $34.6 billion for the six months ended June 30, 2025, driven by the increase in active customers.
The OBBBA also enacts U.S. corporate income tax reform, certain aspects of which applied to our business beginning in 2025, principally the immediate expensing of domestic research and development expenditures. These provisions did not have a material impact on our condensed consolidated financial s…
(Benefit from) provision for income taxes consists primarily of federal and state income taxes in the United States and income taxes in certain foreign jurisdictions in which we conduct business. During the three months ended June 30, 2026, we released our full valuation allowance for U.S. deferred …
(dollars in thousands)20262025AmountPercent20262025AmountPercent
The following discussion and analysis is for the three and six months ended June 30, 2026, compared to the same period in 2025.
Text removed vs the prior filing · source: 10-Q · 2026-05-06
The OBBBA also enacts U.S. corporate income tax reform, certain aspects of which applied to our business beginning in 2025. We continue to evaluate the impact the new legislation will have on our condensed consolidated financial statements, but we do not expect a significant impact, inclusive of the…
Provision for income taxes consists primarily of income taxes in certain foreign jurisdictions in which we conduct business and state income taxes in the United States. We maintain a full valuation allowance for U.S. deferred tax assets. When considering our historical earnings trend and anticipated…
The following discussion and analysis is for the three months ended March 31, 2026, compared to the same period in 2025.
Revenue increased $91.2 million, or 25%, to $452.8 million for the three months ended March 31, 2026, compared to $361.6 million for the three months ended March 31, 2025. This increase was primarily driven by a 20% increase in active customers period over period, continued strength in the retention…
As a reflection of this growth, send volume increased 37% to $22.1 billion for the three months ended March 31, 2026, as compared to $16.2 billion for the three months ended March 31, 2025.
How to read Risk Factors (Item 1A) in a 10-Q
A 10-Q risk-factor section usually takes one of three forms; this page classifies it as one of:
- Pointer — the filer states there have been no material changes and points back to the annual 10-K risk factors; there is no own risk text to compare this quarter.
- Partial update — the filer carves out specific updated risks ("except as set forth below"); the excerpts show exactly what is new this quarter.
- Restated in full — the quarter carries the complete risk-factor text. When the prior quarter was only a pointer there is no prior full text to diff against, so the page flags the section as restated instead.
This describes the filing structure only — it is never a judgement on whether risk went up or down.
Source: text-level diff of the two SEC EDGAR filings · deterministic (no AI-generated content) · for reference only · not investment advice