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RYVYL INC (RVYL) Stock Fundamental Analysis

NASDAQ:RVYL - Nasdaq - US39366L3078 - Common Stock - Currency: USD

0.6623  -0.05 (-6.47%)

After market: 0.6617 0 (-0.09%)

Fundamental Rating

1

RVYL gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 100 industry peers in the Financial Services industry. Both the profitability and financial health of RVYL have multiple concerns. RVYL is valied quite expensively at the moment, while it does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

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.
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

With a Return On Assets value of -24.88%, RVYL is not doing good in the industry: 93.00% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -24.88%
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

Looking at the Gross Margin, with a value of 40.68%, RVYL is in line with its industry, outperforming 59.00% of the companies in the same industry.
RVYL's Gross Margin has declined in the last couple of years.
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 40.68%
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100 -150 -200

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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.
Compared to 5 years ago, RVYL has more shares outstanding
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

Based on the Altman-Z score of -2.34, we must say that RVYL is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of -2.34, 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 -2.34
ROIC/WACCN/A
WACC5.07%
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

RVYL has a Current Ratio of 0.77. 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 Current ratio value of 0.77, RVYL perfoms like the industry average, outperforming 42.00% of the companies in the same industry.
RVYL has a Quick Ratio of 0.77. 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 Quick ratio of RVYL (0.77) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 0.77
Quick Ratio 0.77
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

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3. Growth

3.1 Past

RVYL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 74.37%, which is quite impressive.
Looking at the last year, RVYL shows a very negative growth in Revenue. The Revenue has decreased by -23.82% in the last year.
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)74.37%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%26.67%
Revenue 1Y (TTM)-23.82%
Revenue growth 3Y28.65%
Revenue growth 5Y41.13%
Sales Q2Q%-9.76%

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 Y51.8%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year23.46%
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

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for RVYL. In the last year negative earnings were reported.
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

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 2 -2 4 6

4.3 Compensation for Growth

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

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0

5. Dividend

5.1 Amount

RVYL does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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RYVYL INC

NASDAQ:RVYL (7/11/2025, 8:00:02 PM)

After market: 0.6617 0 (-0.09%)

0.6623

-0.05 (-6.47%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-20 2025-05-20/amc
Earnings (Next)08-11 2025-08-11
Inst Owners2.69%
Inst Owner Change0%
Ins Owners3.27%
Ins Owner Change4.87%
Market Cap5.54M
Analysts43.33
Price Target2.81 (324.28%)
Short Float %6.17%
Short Ratio0.03
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)-63.25%
Min EPS beat(2)-114.93%
Max EPS beat(2)-11.56%
EPS beat(4)1
Avg EPS beat(4)-66.98%
Min EPS beat(4)-181.17%
Max EPS beat(4)39.75%
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)-5.45%
Min Revenue beat(2)-6.36%
Max Revenue beat(2)-4.53%
Revenue beat(4)0
Avg Revenue beat(4)-7.73%
Min Revenue beat(4)-11.17%
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)-45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)-119.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0.14%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-6.67%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.1
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-2.25
EYN/A
EPS(NY)-1.14
Fwd EYN/A
FCF(TTM)-1.55
FCFYN/A
OCF(TTM)-1.19
OCFYN/A
SpS6.5
BVpS-0.37
TBVpS-3.07
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -24.88%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 40.68%
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
ROICexcg growth 3YN/A
ROICexcg 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 Turnover0.5
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 175.58%
Cap/Sales 5.62%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.77
Quick Ratio 0.77
Altman-Z -2.34
F-Score4
WACC5.07%
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)74.37%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%26.67%
EPS Next Y51.8%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-23.82%
Revenue growth 3Y28.65%
Revenue growth 5Y41.13%
Sales Q2Q%-9.76%
Revenue Next Year23.46%
Revenue Next 2Y29.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y36.55%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year106.9%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-134.48%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-125.93%
OCF growth 3YN/A
OCF growth 5YN/A