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RYVYL INC (RVYL) Stock Fundamental Analysis

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

0.65  -0.03 (-3.72%)

Premarket: 0.5699 -0.08 (-12.32%)

Fundamental Rating

3

Taking everything into account, RVYL scores 3 out of 10 in our fundamental rating. RVYL was compared to 101 industry peers in the Financial Services industry. RVYL has a bad profitability rating. Also its financial health evaluation is rather negative. 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

In the past year RVYL has reported negative net income.
RVYL had a positive 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 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 20M -20M -40M

1.2 Ratios

With a Return On Assets value of -21.94%, RVYL is not doing good in the industry: 92.08% of the companies in the same industry are doing better.
Industry RankSector Rank
ROA -21.94%
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

The Gross Margin of RVYL (40.05%) is comparable to the rest of the industry.
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 40.05%
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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3

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.
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 -1.91, we must say that RVYL is in the distress zone and has some risk of bankruptcy.
RVYL has a worse Altman-Z score (-1.91) than 72.28% of its industry peers.
RVYL has a debt to FCF ratio of 0.90. This is a very positive value and a sign of high solvency as it would only need 0.90 years to pay back of all of its debts.
The Debt to FCF ratio of RVYL (0.90) is better than 85.15% of its industry peers.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 0.9
Altman-Z -1.91
ROIC/WACCN/A
WACC5.05%
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 0.92. 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 Current ratio, with a value of 0.92, RVYL is in line with its industry, outperforming 44.55% of the companies in the same industry.
A Quick Ratio of 0.92 indicates that RVYL may have some problems paying its short term obligations.
RVYL's Quick ratio of 0.92 is in line compared to the rest of the industry. RVYL outperforms 47.52% of its industry peers.
Industry RankSector Rank
Current Ratio 0.92
Quick Ratio 0.92
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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5

3. Growth

3.1 Past

RVYL shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 75.89%, which is quite impressive.
RVYL shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -14.99%.
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)75.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%89.5%
Revenue 1Y (TTM)-14.99%
Revenue growth 3Y28.65%
Revenue growth 5Y41.13%
Sales Q2Q%-33.85%

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 Y51.8%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year32.28%
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 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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2

4. Valuation

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

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 RankSector Rank
P/FCF 0.28
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 (5/22/2025, 8:00:01 PM)

Premarket: 0.5699 -0.08 (-12.32%)

0.65

-0.03 (-3.72%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)05-12 2025-05-12
Earnings (Next)08-11 2025-08-11
Inst Owners5.25%
Inst Owner Change-32.91%
Ins Owners3.57%
Ins Owner Change4.66%
Market Cap5.43M
Analysts80
Price Target2.81 (332.31%)
Short Float %2.01%
Short Ratio3.2
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)-148.05%
Min EPS beat(2)-181.17%
Max EPS beat(2)-114.93%
EPS beat(4)N/A
Avg EPS beat(4)N/A
Min EPS beat(4)N/A
Max EPS beat(4)N/A
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)-8.77%
Min Revenue beat(2)-11.17%
Max Revenue beat(2)-6.36%
Revenue beat(4)N/A
Avg Revenue beat(4)N/A
Min Revenue beat(4)N/A
Max Revenue beat(4)N/A
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)-45%
PT rev (3m)-45%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-1350%
EPS NY rev (1m)0%
EPS NY rev (3m)-119.61%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-20.61%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-10.47%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.1
P/FCF 0.28
P/OCF 0.26
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-2.37
EYN/A
EPS(NY)-1.14
Fwd EYN/A
FCF(TTM)2.32
FCFY357.13%
OCF(TTM)2.54
OCFY390.44%
SpS6.71
BVpS-0.18
TBVpS-2.65
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -21.94%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 40.05%
FCFM 34.61%
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 Turnover0.46
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF 0.9
Debt/EBITDA N/A
Cap/Depr 79.86%
Cap/Sales 3.23%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.92
Quick Ratio 0.92
Altman-Z -1.91
F-Score4
WACC5.05%
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)75.89%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%89.5%
EPS Next Y51.8%
EPS Next 2YN/A
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)-14.99%
Revenue growth 3Y28.65%
Revenue growth 5Y41.13%
Sales Q2Q%-33.85%
Revenue Next Year32.28%
Revenue Next 2Y29.44%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y34.24%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year132.91%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y-40.96%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y-36.1%
OCF growth 3YN/A
OCF growth 5YN/A