2 Exceptional Growth Stocks That Are Great Buys In 2026

The article highlights that both Remitly (RELY) and Adyen have fallen over 50% from prior highs, framing them as long-term fintech buying opportunities despite the drawdowns. Remitly reported last quarter send volume up 37% YoY to $16.2B and net income of $49.1M (11% margin), while Adyen processed $1.69T in payment volume over the last 12 months and grew net revenue 20% YoY in constant currency last quarter. Valuation is the core catalyst: Remitly trades at ~49x P/E with 2026 revenue expected just under $2B (implying forward P/E ~23), and Adyen trades at ~25x P/E with expanding profit margins.

Analysis

The market is likely still treating both names as “good businesses, bad charts,” which creates a different opportunity than a classic re-rating. For RELY, the real mechanism is not just revenue growth but operating leverage in a cross-border flow business: once fraud, compliance, and funding costs are covered, incremental volume should drop through at a high rate. That makes the next 1-3 quarters more important than the headline multiple; if send volume stays >30% and margin holds, the stock can re-rate even without a new product story.

The competitive read-through is more interesting on the legacy rails. WU is the obvious structural loser if digital remittance keeps taking share, but the second-order effect is on any payments platform that monetizes cross-border or high-friction transactions through take rates rather than software-like economics. For ADYEY, the winner is not simply “payments growth,” but merchant consolidation toward fewer global processors; that should pressure smaller/acquirer-heavy incumbents such as GPN over 6-18 months if Adyen continues to prove lower-friction, higher-uptime infrastructure.

Contrarianly, the consensus may be overconfident that “cheap vs highs” is enough. These are quality-growth names, not turnaround specials: if volumes decelerate even modestly or if pricing competition compresses take rates, the multiple can stay pinned despite solid fundamentals. The key falsifiers are earnings revisions and margin cadence, not the article’s valuation math: for RELY, a drop in send-volume growth into the low-20s or margin stalling below current levels; for ADYEY, constant-currency growth slipping materially below the high-teens and EBITDA-margin expansion missing the path to 55%.

Key Decisions for Investors

• Long RELY on pullbacks into earnings, 6-12 month horizon; thesis is high incremental margin on sustained send-volume growth. Falsify if volume growth falls below ~25% or net margin trends back toward low single digits.
• Pair trade: long RELY / short WU, 3-6 months; express digital share gain against legacy remittance compression. Risk: WU valuation and buybacks can cushion downside, so keep sizing modest.
• Long ADYEY versus a payment-incumbent basket short (GPN, WU), 6-18 months; Adyen’s network density and lower operating friction should keep winning enterprise accounts. Falsify if constant-currency revenue growth drops below high-teens.
• If buying ADYEY outright, use staged entry rather than chasing; the setup is a quality compounder, not a near-term catalyst trade. Best risk/reward is after any multiple compression on broader fintech derating.
• Set an alert on the next quarterly print for both names: if margin expansion or guidance does not improve, fade the “fallen angel” narrative and treat the stocks as range-bound.