RYVYL INC (RVYL) Fundamental Analysis & Valuation

NASDAQ:RVYL • US39366L4068

Current stock price

6.07 USD
+0.12 (+2.02%)
At close:
6.08 USD
+0.01 (+0.16%)
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.
  • The reported operating cash flow has been mixed in the past 5 years: RVYL reported negative operating cash flow in multiple 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

  • Looking at the Return On Assets, with a value of -85.29%, RVYL is doing worse than 94.95% of the companies in the same industry.
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

  • RVYL's Gross Margin of 42.68% is fine compared to the rest of the industry. RVYL outperforms 64.65% 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 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

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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.
  • RVYL has more shares outstanding than it did 5 years ago.
  • Compared to 1 year ago, RVYL has a worse debt to assets ratio.
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 -10.93, we must say that RVYL is in the distress zone and has some risk of bankruptcy.
  • RVYL has a Altman-Z score of -10.93. This is in the lower half of the industry: RVYL underperforms 77.78% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -10.93
ROIC/WACCN/A
WACC4.89%
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

  • RVYL has a Current 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.
  • The Current ratio of RVYL (0.82) is comparable to the rest of the industry.
  • A Quick Ratio of 0.82 indicates that RVYL may have some problems paying its short term obligations.
  • RVYL has a Quick ratio (0.82) which is comparable to the rest of the industry.
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

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

5

3. RVYL Growth Analysis

3.1 Past

  • RVYL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 75.56%, which is quite impressive.
  • RVYL shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -44.25%.
  • 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)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.
  • RVYL is expected to show a strong growth in Revenue. In the coming years, the Revenue will grow by 29.44% yearly.
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.
  • The estimated forward Revenue growth is still strong, although it is decreasing when compared to the stronger growth in 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

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0

4. RVYL Valuation Analysis

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 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

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

  • RVYL does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

More info and screens

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RVYL Fundamentals: All Metrics, Ratios and Statistics

RYVYL INC

NASDAQ:RVYL (4/15/2026, 8:19:03 PM)

After market: 6.08 +0.01 (+0.16%)

6.07

+0.12 (+2.02%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)04-06
Earnings (Next)05-18
Inst Owners4.42%
Inst Owner Change-0.17%
Ins Owners4.01%
Ins Owner Change0%
Market Cap7.71M
Revenue(TTM)35.42M
Net Income(TTM)-19.97M
Analysts43.33
Price TargetN/A
Short Float %9.58%
Short Ratio2.11
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 0.22
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 Number0 (-100%)
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 -10.93
F-Score4
WACC4.89%
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 for RVYL stock?

ChartMill assigns a valuation rating of 0 / 10 to RYVYL INC (RVYL). This can be considered as Overvalued.


What is the profitability of RVYL stock?

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


How financially healthy is RYVYL INC?

The financial health rating of RYVYL INC (RVYL) is 0 / 10.


Can you provide the expected EPS growth for RVYL stock?

The Earnings per Share (EPS) of RYVYL INC (RVYL) is expected to grow by 37.73% in the next year.