RYVYL INC (RVYL)
US39366L3078 - Common Stock
Overall RVYL gets a fundamental rating of 3 out of 10. We evaluated RVYL against 102 industry peers in the Financial Services industry. While RVYL seems to be doing ok healthwise, there are quite some concerns on its profitability. RVYL is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year RVYL has reported negative net income.
In the past year RVYL had a positive cash flow from operations.
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.
1.2 Ratios
With a Return On Assets value of -41.28%, RVYL is not doing good in the industry: 91.18% of the companies in the same industry are doing better.
RVYL has a Return On Equity of -226.08%. This is amonst the worse of the industry: RVYL underperforms 95.10% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -41.28% | ||
| ROE | -226.08% | ||
| ROIC | N/A |
ROA(3y)-40.87%
ROA(5y)-40.22%
ROE(3y)N/A
ROE(5y)N/A
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
Looking at the Gross Margin, with a value of 39.02%, RVYL is in line with its industry, outperforming 58.82% of the companies in the same industry.
RVYL's Gross Margin has improved in the last couple of years.
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 | 39.02% |
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-3.45%
GM growth 5Y8.16%
2. Health
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.
RVYL has more shares outstanding than it did 5 years ago.
RVYL has a better debt/assets ratio than last year.
2.2 Solvency
Based on the Altman-Z score of -1.43, we must say that RVYL is in the distress zone and has some risk of bankruptcy.
RVYL has a worse Altman-Z score (-1.43) than 75.49% of its industry peers.
RVYL has a debt to FCF ratio of 0.48. This is a very positive value and a sign of high solvency as it would only need 0.48 years to pay back of all of its debts.
With an excellent Debt to FCF ratio value of 0.48, RVYL belongs to the best of the industry, outperforming 88.24% of the companies in the same industry.
A Debt/Equity ratio of 0.68 indicates that RVYL is somewhat dependend on debt financing.
Looking at the Debt to Equity ratio, with a value of 0.68, RVYL is in line with its industry, outperforming 50.00% of the companies in the same industry.
Even though the debt/equity ratio score it not favorable for RVYL, it has very limited outstanding debt, so we won't put too much weight on the DE evaluation.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.68 | ||
| Debt/FCF | 0.48 | ||
| Altman-Z | -1.43 |
ROIC/WACCN/A
WACC7.44%
2.3 Liquidity
A Current Ratio of 1.05 indicates that RVYL should not have too much problems paying its short term obligations.
RVYL has a Current ratio (1.05) which is in line with its industry peers.
RVYL has a Quick Ratio of 1.05. This is a normal value and indicates that RVYL is financially healthy and should not expect problems in meeting its short term obligations.
Looking at the Quick ratio, with a value of 1.05, RVYL is in line with its industry, outperforming 50.00% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.05 |
3. Growth
3.1 Past
RVYL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 11.44%, which is quite good.
The Revenue has grown by 104.37% in the past year. This is a very strong growth!
Measured over the past years, RVYL shows a very strong growth in Revenue. The Revenue has been growing by 135.47% on average per year.
EPS 1Y (TTM)11.44%
EPS 3YN/A
EPS 5YN/A
EPS growth Q2Q-4.42%
Revenue 1Y (TTM)104.37%
Revenue growth 3Y97.66%
Revenue growth 5Y135.47%
Revenue growth Q2Q113.52%
3.2 Future
No EPS estimates are available, so we could not analyze the future EPS growth and evolution.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
EPS Next Y79.56%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year29.87%
Revenue Next 2YN/A
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.
No Revenue estimates are available, so we could not analyze the future revenue growth and evolution.
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
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 Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 0.26 | ||
| 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 | N/A |
RYVYL INC
NASDAQ:RVYL (5/6/2024, 5:59:32 PM)
After market: 1.45 +0.02 (+1.4%)1.43
+0.05 (+3.62%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap8.61M
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
Max EPS beat(2)
EPS beat(4)
Avg EPS beat(4)
Min EPS beat(4)
Max EPS beat(4)
EPS beat(8)
Avg EPS beat(8)
EPS beat(12)
Avg EPS beat(12)
EPS beat(16)
Avg EPS beat(16)
Revenue beat(2)
Avg Revenue beat(2)
Min Revenue beat(2)
Max Revenue beat(2)
Revenue beat(4)
Avg Revenue beat(4)
Min Revenue beat(4)
Max Revenue beat(4)
Revenue beat(8)
Avg Revenue beat(8)
Revenue beat(12)
Avg Revenue beat(12)
Revenue beat(16)
Avg Revenue beat(16)
PT rev (1m)
PT rev (3m)
EPS NQ rev (1m)
EPS NQ rev (3m)
EPS NY rev (1m)
EPS NY rev (3m)
Revenue NQ rev (1m)
Revenue NQ rev (3m)
Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | N/A | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -41.28% | ||
| ROE | -226.08% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | N/A | ||
| PM (TTM) | N/A | ||
| GM | 39.02% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover0.51
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.68 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 1.05 | ||
| Quick Ratio | 1.05 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
Growth
EPS 1Y (TTM)11.44%
EPS 3YN/A
EPS 5Y
EPS growth Q2Q
EPS Next Y79.56%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)104.37%
Revenue growth 3Y97.66%
Revenue growth 5Y
Revenue growth Q2Q
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y