Logo image of RVYL

RYVYL INC (RVYL) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:RVYL - US39366L3078 - Common Stock

0.272 USD
-0.01 (-4.59%)
Last: 11/21/2025, 8:00:02 PM
0.2884 USD
+0.02 (+6.03%)
After Hours: 11/21/2025, 8:00:02 PM
Fundamental Rating

3

We assign a fundamental rating of 3 out of 10 to RVYL. RVYL was compared to 99 industry peers in the Financial Services industry. RVYL may be in some trouble as it scores bad on both profitability and health. RVYL is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

Quickly go to:

1

1. Profitability

1.1 Basic Checks

RVYL had negative earnings in the past year.
RVYL had a positive operating cash flow in the past year.
RVYL had negative earnings in each of the past 5 years.
In multiple years RVYL reported negative operating cash flow during the last 5 years.
RVYL Yearly Net Income VS EBIT VS OCF VS FCFRVYL Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M -40M

1.2 Ratios

RVYL has a Return On Assets of -112.56%. This is amonst the worse of the industry: RVYL underperforms 94.95% of its industry peers.
Industry RankSector Rank
ROA -112.56%
ROE N/A
ROIC N/A
ROA(3y)-37.87%
ROA(5y)-37.06%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
RVYL Yearly ROA, ROE, ROICRVYL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1K -1K 2K

1.3 Margins

RVYL has a better Gross Margin (41.07%) than 61.62% of its industry peers.
In the last couple of years the Gross Margin of RVYL has declined.
RVYL does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 41.07%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-13.42%
GM growth 5YN/A
RVYL Yearly Profit, Operating, Gross MarginsRVYL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100 -150 -200

More info and screens

3

2. Health

2.1 Basic Checks

RVYL does not have a ROIC to compare to the WACC, probably because it is not profitable.
Compared to 1 year ago, RVYL has more shares outstanding
The number of shares outstanding for RVYL has been increased compared to 5 years ago.
The debt/assets ratio for RVYL is higher compared to a year ago.
RVYL Yearly Shares OutstandingRVYL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2M 4M 6M 8M
RVYL Yearly Total Debt VS Total AssetsRVYL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

2.2 Solvency

RVYL has an Altman-Z score of -12.24. This is a bad value and indicates that RVYL is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -12.24, RVYL is doing worse than 75.76% of the companies in the same industry.
RVYL has a debt to FCF ratio of 0.05. This is a very positive value and a sign of high solvency as it would only need 0.05 years to pay back of all of its debts.
RVYL has a Debt to FCF ratio of 0.05. This is amongst the best in the industry. RVYL outperforms 90.91% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 0.05
Altman-Z -12.24
ROIC/WACCN/A
WACC3.91%
RVYL Yearly LT Debt VS Equity VS FCFRVYL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M

2.3 Liquidity

A Current Ratio of 0.67 indicates that RVYL may have some problems paying its short term obligations.
RVYL has a Current ratio (0.67) which is in line with its industry peers.
RVYL has a Quick Ratio of 0.67. This is a bad value and indicates that RVYL is not financially healthy enough and could expect problems in meeting its short term obligations.
With a Quick ratio value of 0.67, RVYL perfoms like the industry average, outperforming 43.43% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 0.67
Quick Ratio 0.67
RVYL Yearly Current Assets VS Current LiabilitesRVYL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

More info and screens

5

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 77.04% over the past year.
RVYL shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -14.99%.
Measured over the past years, RVYL shows a very strong growth in Revenue. The Revenue has been growing by 41.13% on average per year.
EPS 1Y (TTM)77.04%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%92.11%
Revenue 1Y (TTM)-14.99%
Revenue growth 3Y28.65%
Revenue growth 5Y41.13%
Sales Q2Q%-77.9%

3.2 Future

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
The Revenue is expected to grow by 29.44% on average over the next years. This is a very strong growth
EPS Next Y49.22%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-57.85%
Revenue Next 2Y29.44%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 Evolution

No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
Although the future Revenue growth is still strong, it is not able to hold up the even more excellent growth rate of the past years.
RVYL Yearly Revenue VS EstimatesRVYL Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2014 2015 2016 2018 2019 2020 2021 2022 2023 2024 2025 2026 20M 40M 60M 80M
RVYL Yearly EPS VS EstimatesRVYL Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 -2 -4 -6 -8 -10

More info and screens

2

4. Valuation

4.1 Price/Earnings Ratio

RVYL reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for RVYL. No positive earnings are expected for the next year.
Industry RankSector Rank
PE N/A
Fwd PE N/A
RVYL Price Earnings VS Forward Price EarningsRVYL Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

4.2 Price Multiples

Based on the Price/Free Cash Flow ratio, RVYL is valued cheaply inside the industry as 100.00% of the companies are valued more expensively.
Industry RankSector Rank
P/FCF 0.67
EV/EBITDA N/A
RVYL Per share dataRVYL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 1 -1

4.3 Compensation for Growth

PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A

More info and screens

0

5. Dividend

5.1 Amount

No dividends for RVYL!.
Industry RankSector Rank
Dividend Yield N/A

More info and screens

RYVYL INC

NASDAQ:RVYL (11/21/2025, 8:00:02 PM)

After market: 0.2884 +0.02 (+6.03%)

0.272

-0.01 (-4.59%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-14 2025-11-14/amc
Earnings (Next)03-26 2026-03-26
Inst Owners5.52%
Inst Owner Change50.33%
Ins Owners5.43%
Ins Owner Change1.45%
Market Cap8.64M
Revenue(TTM)56.00M
Net Income(TTM)-23.19M
Analysts43.33
Price Target2.81 (933.09%)
Short Float %8.79%
Short Ratio0.16
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)0
Avg EPS beat(2)-82.87%
Min EPS beat(2)-154.18%
Max EPS beat(2)-11.56%
EPS beat(4)0
Avg EPS beat(4)-115.46%
Min EPS beat(4)-181.17%
Max EPS beat(4)-11.56%
EPS beat(8)N/A
Avg EPS beat(8)N/A
EPS beat(12)N/A
Avg EPS beat(12)N/A
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)0
Avg Revenue beat(2)-44.29%
Min Revenue beat(2)-84.04%
Max Revenue beat(2)-4.53%
Revenue beat(4)0
Avg Revenue beat(4)-26.53%
Min Revenue beat(4)-84.04%
Max Revenue beat(4)-4.53%
Revenue beat(8)N/A
Avg Revenue beat(8)N/A
Revenue beat(12)N/A
Avg Revenue beat(12)N/A
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)55.17%
EPS NQ rev (3m)55.17%
EPS NY rev (1m)-5.36%
EPS NY rev (3m)-5.36%
Revenue NQ rev (1m)-83.52%
Revenue NQ rev (3m)-83.52%
Revenue NY rev (1m)-65.86%
Revenue NY rev (3m)-65.86%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.19
P/FCF 0.67
P/OCF 0.56
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-1.66
EYN/A
EPS(NY)-1.2
Fwd EYN/A
FCF(TTM)0.41
FCFY149.03%
OCF(TTM)0.48
OCFY177.63%
SpS1.42
BVpS-0.22
TBVpS-0.27
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -112.56%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 41.07%
FCFM 28.47%
ROA(3y)-37.87%
ROA(5y)-37.06%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-13.42%
GM growth 5YN/A
F-Score5
Asset Turnover2.2
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 0.05
Debt/EBITDA N/A
Cap/Depr 180.97%
Cap/Sales 5.46%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.67
Quick Ratio 0.67
Altman-Z -12.24
F-Score5
WACC3.91%
ROIC/WACCN/A
Cap/Depr(3y)32.02%
Cap/Depr(5y)87.67%
Cap/Sales(3y)1.91%
Cap/Sales(5y)3.19%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)77.04%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%92.11%
EPS Next Y49.22%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-14.99%
Revenue growth 3Y28.65%
Revenue growth 5Y41.13%
Sales Q2Q%-77.9%
Revenue Next Year-57.85%
Revenue Next 2Y29.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y22.19%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year106.9%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y46.17%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y75.63%
OCF growth 3YN/A
OCF growth 5YN/A

RYVYL INC / RVYL FAQ

What is the ChartMill fundamental rating of RYVYL INC (RVYL) stock?

ChartMill assigns a fundamental rating of 3 / 10 to RVYL.


Can you provide the valuation status for RYVYL INC?

ChartMill assigns a valuation rating of 2 / 10 to RYVYL INC (RVYL). This can be considered as Overvalued.


Can you provide the profitability details for RYVYL INC?

RYVYL INC (RVYL) has a profitability rating of 1 / 10.


Can you provide the financial health for RVYL stock?

The financial health rating of RYVYL INC (RVYL) is 3 / 10.