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RYVYL INC (RVYL) Stock Fundamental Analysis

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

0.97  -0.04 (-3.96%)

Fundamental Rating

3

Overall RVYL gets a fundamental rating of 3 out of 10. We evaluated RVYL against 101 industry peers in the Financial Services industry. RVYL may be in some trouble as it scores bad on both profitability and health. RVYL is quite expensive at the moment. 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.
In the past year RVYL had a positive cash flow from operations.
RVYL had negative earnings in each of the past 5 years.
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 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 20M -20M -40M

1.2 Ratios

RVYL has a worse Return On Assets (-39.26%) than 93.07% of its industry peers.
Looking at the Return On Equity, with a value of -790.40%, RVYL is doing worse than 95.05% of the companies in the same industry.
Industry RankSector Rank
ROA -39.26%
ROE -790.4%
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
RVYL Yearly ROA, ROE, ROICRVYL Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 1K -1K 2K

1.3 Margins

With a Gross Margin value of 38.46%, RVYL perfoms like the industry average, outperforming 57.43% of the companies in the same industry.
In the last couple of years the Gross Margin of RVYL has grown nicely.
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 38.46%
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%
RVYL Yearly Profit, Operating, Gross MarginsRVYL Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 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.
Compared to 1 year ago, RVYL has an improved debt to assets ratio.
RVYL Yearly Shares OutstandingRVYL Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 1M 2M 3M 4M 5M
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 20M 40M 60M 80M 100M

2.2 Solvency

Based on the Altman-Z score of -1.66, we must say that RVYL is in the distress zone and has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -1.66, RVYL is doing worse than 73.27% of the companies in the same industry.
RVYL has a debt to FCF ratio of 0.76. This is a very positive value and a sign of high solvency as it would only need 0.76 years to pay back of all of its debts.
The Debt to FCF ratio of RVYL (0.76) is better than 86.14% of its industry peers.
RVYL has a Debt/Equity ratio of 2.80. This is a high value indicating a heavy dependency on external financing.
RVYL has a worse Debt to Equity ratio (2.80) than 75.25% of its industry peers.
Although RVYL does not score too well on debt/equity it has very limited outstanding debt, which is well covered by the FCF. We will not put too much weight on the debt/equity number as it may be because of low equity, which could be a consequence of a share buyback program for instance. This needs to be investigated.
Industry RankSector Rank
Debt/Equity 2.8
Debt/FCF 0.76
Altman-Z -1.66
ROIC/WACCN/A
WACC7.23%
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 0 20M -20M 40M 60M

2.3 Liquidity

A Current Ratio of 0.96 indicates that RVYL may have some problems paying its short term obligations.
RVYL has a Current ratio of 0.96. This is comparable to the rest of the industry: RVYL outperforms 44.55% of its industry peers.
RVYL has a Quick Ratio of 0.96. This is a bad value and indicates that RVYL is not financially healthy enough and could expect problems in meeting its short term obligations.
RVYL has a Quick ratio of 0.96. This is comparable to the rest of the industry: RVYL outperforms 47.52% of its industry peers.
Industry RankSector Rank
Current Ratio 0.96
Quick Ratio 0.96
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 20M 40M 60M 80M

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6

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 24.69% over the past year.
Looking at the last year, RVYL shows a quite strong growth in Revenue. The Revenue has grown by 17.56% in the last year.
RVYL shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 135.47% yearly.
EPS 1Y (TTM)24.69%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-26.67%
Revenue 1Y (TTM)17.56%
Revenue growth 3Y97.66%
Revenue growth 5Y135.47%
Sales Q2Q%-27.88%

3.2 Future

Based on estimates for the next years, RVYL will show a very strong growth in Earnings Per Share. The EPS will grow by 39.54% on average per year.
RVYL is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 16.61% yearly.
EPS Next Y60.83%
EPS Next 2Y39.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year-8.69%
Revenue Next 2Y16.61%
Revenue Next 3YN/A
Revenue Next 5YN/A

3.3 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 2017 2018 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M 80M
RVYL Yearly EPS VS EstimatesRVYL Yearly EPS VS EstimatesYearly EPS VS Estimates 2014 2015 2016 2017 2018 2019 2020 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.
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

100.00% of the companies in the same industry are more expensive than RVYL, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 0.31
EV/EBITDA N/A
RVYL Per share dataRVYL EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 5 -5

4.3 Compensation for Growth

A more expensive valuation may be justified as RVYL's earnings are expected to grow with 39.54% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y39.54%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

No dividends for RVYL!.
Industry RankSector Rank
Dividend Yield N/A

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RYVYL INC

NASDAQ:RVYL (2/21/2025, 12:47:23 PM)

0.97

-0.04 (-3.96%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryFinancial Services
Earnings (Last)11-14 2024-11-14/amc
Earnings (Next)03-12 2025-03-12/amc
Inst Owners4.51%
Inst Owner Change52.52%
Ins Owners58.71%
Ins Owner Change0.02%
Market Cap7.18M
Analysts80
Price Target5.1 (425.77%)
Short Float %2.72%
Short Ratio1.32
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)1
Avg EPS beat(2)-70.71%
Min EPS beat(2)-181.17%
Max EPS beat(2)39.75%
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)-10.01%
Min Revenue beat(2)-11.17%
Max Revenue beat(2)-8.85%
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)0%
PT rev (3m)0%
EPS NQ rev (1m)-106.38%
EPS NQ rev (3m)-207.78%
EPS NY rev (1m)-6.94%
EPS NY rev (3m)-37.52%
Revenue NQ rev (1m)-15%
Revenue NQ rev (3m)-49.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-10.14%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.11
P/FCF 0.31
P/OCF 0.29
P/B 1.14
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-7.23
EYN/A
EPS(NY)-0.52
Fwd EYN/A
FCF(TTM)3.14
FCFY323.42%
OCF(TTM)3.34
OCFY344.05%
SpS8.59
BVpS0.85
TBVpS-2.39
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -39.26%
ROE -790.4%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 38.46%
FCFM 36.54%
ROA(3y)-40.87%
ROA(5y)-40.22%
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-3.45%
GM growth 5Y8.16%
F-Score5
Asset Turnover0.5
Health
Industry RankSector Rank
Debt/Equity 2.8
Debt/FCF 0.76
Debt/EBITDA N/A
Cap/Depr 59.72%
Cap/Sales 2.33%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 0.96
Quick Ratio 0.96
Altman-Z -1.66
F-Score5
WACC7.23%
ROIC/WACCN/A
Cap/Depr(3y)102.84%
Cap/Depr(5y)171.7%
Cap/Sales(3y)4.21%
Cap/Sales(5y)2.65%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)24.69%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-26.67%
EPS Next Y60.83%
EPS Next 2Y39.54%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)17.56%
Revenue growth 3Y97.66%
Revenue growth 5Y135.47%
Sales Q2Q%-27.88%
Revenue Next Year-8.69%
Revenue Next 2Y16.61%
Revenue Next 3YN/A
Revenue Next 5YN/A
EBIT growth 1Y68.9%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year71.09%
EBIT Next 3YN/A
EBIT Next 5YN/A
FCF growth 1Y453.89%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y518.58%
OCF growth 3YN/A
OCF growth 5YN/A