RYVYL INC (RVYL) Fundamental Analysis & Valuation

NASDAQ:RVYL • US39366L4068

Current stock price

5.98 USD
+0.76 (+14.56%)
At close:
5.9974 USD
+0.02 (+0.29%)
After Hours:

This RVYL fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

1

1. RVYL Profitability Analysis

1.1 Basic Checks

  • RVYL had negative earnings in the past year.
  • RVYL had a negative operating cash flow in the past year.
  • In the past 5 years RVYL always reported negative net income.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M -40M

1.2 Ratios

  • With a Return On Assets value of -85.29%, RVYL is not doing good in the industry: 92.00% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -85.29%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 1K -1K 2K

1.3 Margins

  • The Gross Margin of RVYL (42.68%) is better than 65.00% of its industry peers.
  • In the last couple of years the Gross Margin of RVYL has declined.
  • The Profit Margin and Operating Margin are not available for RVYL so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 42.68%
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100 -150 -200

More info and screens

ROAROEROICOperating and Profit MarginShow most profitable peers

0

2. RVYL Health Analysis

2.1 Basic Checks

  • RVYL does not have a ROIC to compare to the WACC, probably because it is not profitable.
  • The number of shares outstanding for RVYL has been increased compared to 1 year ago.
  • Compared to 5 years ago, RVYL has more shares outstanding
  • RVYL has a worse debt/assets ratio than last year.
RVYL Yearly Shares OutstandingRVYL Yearly Shares OutstandingYearly Shares Outstanding 2016 2017 2018 2019 2020 2021 2022 2023 2024 50K 100K 150K 200K
RVYL Yearly Total Debt VS Total AssetsRVYL Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

2.2 Solvency

  • Based on the Altman-Z score of -10.95, we must say that RVYL is in the distress zone and has some risk of bankruptcy.
  • With a Altman-Z score value of -10.95, RVYL is not doing good in the industry: 75.00% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -10.95
ROIC/WACCN/A
WACC5.03%
RVYL Yearly LT Debt VS Equity VS FCFRVYL Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M 40M 60M

2.3 Liquidity

  • A Current Ratio of 0.82 indicates that RVYL may have some problems paying its short term obligations.
  • RVYL has a Current ratio of 0.82. This is comparable to the rest of the industry: RVYL outperforms 48.00% of its industry peers.
  • RVYL has a Quick Ratio of 0.82. This is a bad value and indicates that RVYL is not financially healthy enough and could expect problems in meeting its short term obligations.
  • RVYL's Quick ratio of 0.82 is in line compared to the rest of the industry. RVYL outperforms 49.00% of its industry peers.
Industry RankSector Rank
Current Ratio 0.82
Quick Ratio 0.82
RVYL Yearly Current Assets VS Current LiabilitesRVYL Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 20M 40M 60M 80M 100M

More info and screens

WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

5

3. RVYL Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 75.56% over the past year.
  • The Revenue for RVYL has decreased by -44.25% in the past year. This is quite bad
  • RVYL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 41.13% yearly.
EPS 1Y (TTM)75.56%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%92.11%
Revenue 1Y (TTM)-44.25%
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 Y37.73%
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 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 -100 -200 -300

More info and screens

Find the best growth stocksShow best growing peers

0

4. RVYL Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings Ratio is negative for RVYL. In the last year negative earnings were reported.
  • Also next year RVYL is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
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 5 10 15 20 25

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
RVYL Per share dataRVYL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 20 -20 -40

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

Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. RVYL Dividend Analysis

5.1 Amount

  • No dividends for RVYL!.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

Find the best dividend stocksShow peers with best dividend

RVYL Fundamentals: All Metrics, Ratios and Statistics

RYVYL INC

NASDAQ:RVYL (3/25/2026, 8:00:02 PM)

After market: 5.9974 +0.02 (+0.29%)

5.98

+0.76 (+14.56%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-14
Earnings (Next)03-26
Inst Owners4.42%
Inst Owner Change-97.15%
Ins Owners4.01%
Ins Owner Change0%
Market Cap7.59M
Revenue(TTM)35.42M
Net Income(TTM)-19.97M
Analysts43.33
Price TargetN/A
Short Float %7.31%
Short Ratio0.21
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)1
Avg EPS beat(2)-49.71%
Min EPS beat(2)-154.18%
Max EPS beat(2)54.75%
EPS beat(4)1
Avg EPS beat(4)-56.48%
Min EPS beat(4)-154.18%
Max EPS beat(4)54.75%
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)-46.5%
Min Revenue beat(2)-84.04%
Max Revenue beat(2)-8.95%
Revenue beat(4)0
Avg Revenue beat(4)-25.97%
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)0%
EPS NQ rev (3m)-3400%
EPS NY rev (1m)0%
EPS NY rev (3m)-3400%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.21
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-58.1
EYN/A
EPS(NY)-42.13
Fwd EYN/A
FCF(TTM)-4.81
FCFYN/A
OCF(TTM)-3.25
OCFYN/A
SpS27.89
BVpS-2.54
TBVpS-3.69
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -85.29%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 42.68%
FCFM 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
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-Score4
Asset Turnover1.51
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 259.5%
Cap/Sales 5.59%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.82
Quick Ratio 0.82
Altman-Z -10.95
F-Score4
WACC5.03%
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)75.56%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%92.11%
EPS Next Y37.73%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-44.25%
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 1Y36.13%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year106.9%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-122.13%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-114.88%
OCF growth 3YN/A
OCF growth 5YN/A

RYVYL INC / RVYL Fundamental Analysis FAQ

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

ChartMill assigns a fundamental rating of 1 / 10 to RVYL.


What is the valuation status of RYVYL INC (RVYL) stock?

ChartMill assigns a valuation rating of 0 / 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.