A Business at a Glance
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RYVYL Inc.
RVYL
$554K
Mkt Cap
RYVYL Inc. (RVYL) has a 5-year average return on invested capital (ROIC) of -59.9%. This is below average and may indicate limited pricing power.
RYVYL Inc. (RVYL) has a market capitalization of $226K. It is classified as a small-cap stock.
RYVYL Inc. (RVYL) does not currently pay a regular dividend.
RYVYL Inc. (RVYL) operates in the Services-Management Consulting Services industry, within the Industrials sector.
RYVYL Inc. (RVYL) reported annual revenue of $11 million in its most recent fiscal year, based on SEC EDGAR filings.
RYVYL Inc. (RVYL) generated $-23 million in free cash flow in its most recent fiscal year. Negative free cash flow may indicate heavy investment or operational challenges.
RYVYL Inc. (RVYL) has a debt-to-equity ratio of 26.23. This indicates higher leverage, which may increase financial risk.
Item 1. Business RYVYL Inc. (“RYVYL”) is a financial technology company that develops software platforms and tools that are focused on providing global payment acceptance and disbursement capabilities. RYVYL’s strategy is rooted in our mission to transform the global payments landscape through technology-driven, customer-centric, and compliance-focused financial solutions. Our first-generation product, QuickCard, was originally developed to facilitate payment processing for predominantly cash-based businesses in certain niche high-risk business verticals. It was a comprehensive physical and virtual payment card processing management system that offered a cloud-based network interface, merchant management, and point-of-sale (POS) connectivity to facilitate noncash payment methods such as credit cards, debit cards and prepaid gift cards, and to subsequently disburse those funds electronically to merchants upon request.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 11M | 11M | 18M | 66M | 33M | 26M |
| Net Income | 0 | - | - | -53M | -49M | -35M |
| EPS | $-821.24 | $-821.24 | $-981.75 | $-70.77 | $-693.08 | $-57.65 |
| Free Cash Flow | -23M | -23M | 21M | 33M | -9.5M | -23M |
| ROIC | 0.0% | - | - | -31.7% | -66.3% | -81.8% |
| Gross Margin | 47.7% | 47.7% | 40.7% | 39.0% | 49.0% | 61.7% |
| Debt/Equity | 26.23 | 26.23 | -14.13 | 0.87 | -32.97 | 2.06 |
| Dividends/Share | $0.00 | $0.00 | - | - | - | - |
| Operating Income | -13M | -13M | -27M | -12M | -38M | -29M |
| Operating Margin | -118.1% | -118.1% | -149.9% | -18.7% | -115.0% | -111.0% |
| ROE | 0.0% | - | - | -492.4% | -357.5% | -263.3% |
| Shares Outstanding | 0M | 0M | 0M | 1M | 0M | 1M |
| Metric | |||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Income Statement | |||||||||||||
| Revenue | 2.8M | 2.1M | 1.7M | 0 | N/A | 10M | 8.5M | 26M | 33M | 66M | 18M | 11M | 11M |
| Gross Margin | 33.8% | 45.4% | 52.4% | N/A | N/A | -10.9% | 43.4% | 61.7% | 49.0% | 39.0% | 40.7% | 47.7% | 47.7% |
| R&D | N/A | N/A | N/A | 46K | 377K | 1.3M | 1.4M | 3.9M | 6.3M | 5.8M | 3.8M | 559K | 559K |
| SG&A | 500K | 608K | 785K | 9K | 302K | 750K | 800K | 17M | 6.6M | 8.7M | 3.0M | 4.4M | 4.4M |
| EBIT | 443K | 353K | 113K | -139K | -1.7M | -5.6M | -5.1M | -29M | -38M | -12M | -27M | -13M | -13M |
| Op. Margin | 15.9% | 16.7% | 6.6% | N/A | N/A | -56.1% | -59.9% | -111.0% | -115.0% | -18.7% | -149.9% | -118.1% | -118.1% |
| Net Income | 36K | 260K | 58K | -139K | -1.9M | -4.7M | -5.0M | -35M | -49M | -53M | N/A | N/A | 0 |
| Net Margin | 1.3% | 12.3% | 3.4% | N/A | N/A | -46.8% | -58.7% | -134.1% | -149.6% | -80.6% | N/A | N/A | 0.0% |
| Non-Recurring | 0 | 0 | 0 | 0 | 75K | 0 | 0 | 0 | 1.4M | 1.1M | 9.4M | -4.6M | -4.6M |
| Returns on Capital | |||||||||||||
| ROIC | N/A | 129.6% | 56.2% | -118.5% | -130.8% | -45.3% | -41.6% | -81.8% | -66.3% | -31.7% | N/A | N/A | 0.0% |
| ROE | -3.8% | -32.5% | -9.0% | 50.4% | 441.1% | 149.0% | 124.6% | -263.3% | -357.5% | -492.4% | N/A | N/A | 0.0% |
| ROA | N/A | 170.5% | 34.3% | -129.1% | -336.2% | -69.9% | -40.6% | -55.9% | -46.5% | -46.9% | N/A | N/A | 0.0% |
| Cash Flow | |||||||||||||
| Op. Cash Flow | 334K | 262K | 30K | -110K | -1.6M | -157K | -4.2M | -23M | -9.3M | 33M | 21M | -23M | -23M |
| Free Cash Flow | 319K | 234K | 26K | -117K | -1.6M | -207K | -4.2M | -23M | -9.5M | 33M | 21M | -23M | -23M |
| Owner Earnings | 325K | 245K | 2K | -111K | -1.6M | -257K | -7.2M | -28M | -33M | 29M | 18M | -24M | -24M |
| CapEx | 15K | 28K | 4K | 6K | 31K | 50K | 7K | 159K | 162K | 108K | 47K | 79K | 79K |
| Maint. CapEx | 9K | 17K | 27K | 0 | 7K | 14K | 16K | 913K | 21M | 2.6M | 2.3M | 493K | 493K |
| Growth CapEx | 6K | 11K | 0 | 6K | 25K | 36K | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 9K | 17K | 27K | 0 | 7K | 14K | 16K | 913K | 21M | 2.6M | 2.3M | 493K | 493K |
| CapEx/OCF | 4.4% | 10.5% | 12.2% | N/A | N/A | N/A | N/A | N/A | N/A | 0.3% | 0.2% | N/A | 0.0% |
| Capital Allocation | |||||||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.0% | 0.0% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | 0 | 87K | 3.0M | 3.7M | 3.0M | 1.9M | 624K | 889K | 889K |
| Debt Repayment | 5K | 4K | 5K | 4K | 0 | 75K | 2.3M | 0 | 0 | 15K | 12K | 5K | 5K |
| Balance Sheet | |||||||||||||
| Net Debt | 348K | 280K | 611K | -79K | 515K | 1.0M | 1.4M | -28M | 49M | 8.2M | 18M | 10M | 10M |
| Cash & Equiv. | 41K | 47K | 0 | 83K | 46K | 0 | 0 | 89M | 14M | 12M | 2.6M | 7.4M | 7.4M |
| Long-Term Debt | 12K | 7K | 2K | 0 | 75K | 0 | 150K | 59M | 62M | 16M | 17M | 5K | 5K |
| Debt/Equity | -0.42 | -0.49 | -1.00 | 0.07 | -0.61 | -0.19 | -0.52 | 2.06 | -32.97 | 0.87 | -14.13 | 26.23 | 26.23 |
| Interest Coverage | 15.2 | 16.6 | 5.1 | N/A | -56.9 | -28.7 | -4.4 | -9.8 | -2.5 | -3.7 | -38.9 | -131.5 | -131.5 |
| Equity | -932K | -672K | -614K | 61K | -919K | -5.4M | -2.7M | 29M | -1.9M | 23M | -1.5M | 668K | 668K |
| Total Assets | N/A | 214K | 123K | 93K | 1.0M | 12M | 12M | 114M | 98M | 129M | 122M | 13M | 13M |
| Total Liabilities | N/A | 886K | 737K | 32K | 2.0M | 18M | 15M | 85M | 100M | 105M | 124M | 12M | 12M |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A | 0 | 7.6M | 6.7M | 5.1M | 1.8M | 255K | 255K |
| Retained Earnings | -44K | 216K | 274K | -139K | -2.0M | -6.7M | -12M | -51M | -100M | -153M | -179M | -197M | -197M |
| Working Capital | -541K | -387K | -660K | 55K | -875K | -5.5M | 278K | 72M | 22M | 4.3M | -8.2M | 1.1M | 1.1M |
| Current Assets | 61K | 164K | 62K | 87K | 1.0M | 12M | 12M | 97M | 59M | 90M | 95M | 11M | 11M |
| Current Liabilities | 602K | 551K | 722K | 32K | 1.9M | 18M | 12M | 24M | 37M | 86M | 104M | 10M | 10M |
| Per Share Data | |||||||||||||
| EPS | 0.06 | 0.51 | 0.10 | 0.25 | -5.60 | -47.60 | -47.60 | -57.65 | -693.08 | -70.77 | -981.75 | -821.24 | -821.24 |
| Owner EPS | 0.57 | 0.48 | 0.00 | -0.20 | -4.76 | -2.61 | -68.56 | -45.15 | -467.77 | 38.32 | 558.27 | -659.15 | -659.15 |
| Book Value | -1.64 | -1.31 | -1.08 | 0.11 | -2.72 | -54.54 | -25.40 | 48.16 | -27.07 | 31.31 | -45.51 | 18.03 | 18.03 |
| Cash Flow/Share | 0.59 | 0.51 | 0.05 | -0.19 | -4.74 | -1.59 | -39.55 | -37.60 | -131.53 | 44.20 | 646.36 | -621.86 | 13.31 |
| Dividends/Share | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 | 0.00 |
| Shares Out. | 0.6M | 0.5M | 0.6M | 0.6M | 0.3M | 0.1M | 0.1M | 0.6M | 0.1M | 0.8M | 0.0M | 0.0M | 0.0M |
| Valuation | |||||||||||||
| P/E Ratio | N/A | 2.5 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | -0.0 |
| P/FCF | 186.6 | 229.5 | 907.5 | N/A | N/A | N/A | N/A | N/A | N/A | 3.5 | 0.1 | N/A | N/A |
| EV/EBIT | 1.6 | 1.7 | 2.3 | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Price/Book | N/A | N/A | N/A | 82.1 | N/A | N/A | 477.1 | 6.1 | N/A | 1.0 | N/A | N/A | 0.3 |
| Price/Sales | 0.4 | 0.3 | 0.3 | N/A | N/A | 2.6 | 4.6 | 14.7 | 2.9 | 0.5 | 0.3 | N/A | 0.0 |
| FCF Yield | 44.2% | 35.9% | 9.1% | -2.3% | -5.1% | -1.4% | -2.3% | -13.0% | -48.5% | 143.7% | 229.0% | N/A | -10212.6% |
| Market Cap | 722K | 651K | 289K | 5.0M | 32M | 15M | 184M | 179M | 20M | 23M | 9.2M | 0 | 226K |
| Avg. Price | 175.95 | 103.17 | 64.49 | 101.93 | 727.42 | 325.17 | 467.50 | 3,335.83 | 726.13 | 210.33 | 75.92 | 0.00 | 6.11 |
| Year-End Price | 105.00 | 105.00 | 42.00 | 63.00 | 714.00 | 189.00 | 2,184.00 | 1,543.50 | 150.50 | 153.30 | 48.30 | 0.00 | 6.11 |
RYVYL Inc. passes 1 of 9 quality checks, indicating weak fundamentals.
The company's 5-year average gross margin is 47.6%. At current prices, the estimated annualized return to fair value is +69.6%.
RYVYL Inc. (RVYL) reported earnings per share (EPS) of $-821.24 in its most recent fiscal year.
RYVYL Inc. (RVYL) has a 5-year average gross margin of 47.6%. This indicates decent pricing power.
The Ledger Terminal provides 16 years of financial data for RYVYL Inc. (RVYL), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
RYVYL Inc. (RVYL) has a book value per share of $18.03, based on its most recent annual SEC filing.