6.65 USD
+1.41 (+26.91%)
Taking everything into account, RVYL scores 1 out of 10 in our fundamental rating. RVYL was compared to 97 industry peers in the Financial Services industry. Both the profitability and financial health of RVYL have multiple concerns. While showing a medium growth rate, RVYL is valued expensive at the moment.
1. Profitability
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.
1.2 Ratios
- RVYL has a Return On Assets of -85.29%. This is amonst the worse of the industry: RVYL underperforms 95.88% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- The Gross Margin of RVYL (42.68%) is better than 63.92% 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 Rank | Sector 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
2. Health
2.1 Basic Checks
- RVYL does not have a ROIC to compare to the WACC, probably because it is not profitable.
- RVYL has more shares outstanding than it did 1 year ago.
- The number of shares outstanding for RVYL has been increased compared to 5 years ago.
- RVYL has a worse debt/assets ratio than last year.
2.2 Solvency
- RVYL has an Altman-Z score of -6.84. This is a bad value and indicates that RVYL is not financially healthy and even has some risk of bankruptcy.
- The Altman-Z score of RVYL (-6.84) is worse than 74.23% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | N/A | ||
| Debt/FCF | N/A | ||
| Altman-Z | -6.84 |
ROIC/WACCN/A
WACC8.3%
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 (0.82) which is in line with 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.
- Looking at the Quick ratio, with a value of 0.82, RVYL is in line with its industry, outperforming 46.39% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 0.82 | ||
| Quick Ratio | 0.82 |
3. Growth
3.1 Past
- RVYL shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -435.55%.
- RVYL shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -44.25%.
- RVYL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 41.13% yearly.
EPS 1Y (TTM)-435.55%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-176.32%
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 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.
- The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
4. Valuation
4.1 Price/Earnings Ratio
- RVYL reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
- Also next year RVYL is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A |
4.2 Price Multiples
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | N/A | ||
| EV/EBITDA | N/A |
4.3 Compensation for Growth
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2YN/A
EPS Next 3YN/A
5. Dividend
5.1 Amount
- RVYL does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
RYVYL INC / RVYL 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.