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RYVYL Inc.

Data quality: 100%
RVYL
Nasdaq Services Engineering & Management Services
$5.52
▲ $0.24 (4.45%)
Mkt Cap: 6.99 M
Price
$5.52
Mkt Cap
6.99 M
Day Range
$5.02 — $5.71
52-Week Range
$4.14 — $81.55
Volume
55,740
Open $5.10
50D / 200D Avg
$5.78
4.54% below
50D / 200D Avg
$10.49
47.42% below

Quick Summary

Key Takeaways

Revenue grew 60.09% annually over 5 years — strong growth
Negative free cash flow of -4.22 M
Revenue growth is decelerating — 1Y growth trails 5Y average by 75.08%
Capital efficient — spends only 0.39% of revenue on capex

Growth

Revenue Growth (5Y)
60.09%
Above sector avg (19.14%)
Revenue (1Y)-14.99%
Earnings (1Y)N/A
FCF Growth (3Y)N/A

Quality

Return on Equity
N/A
ROICN/A
Net Margin-86.60%
Op. Margin-65.51%

Safety

Debt / Equity
N/A
Current Ratio0.82
Interest Coverage-6.91

Valuation

PE (TTM)
-0.35
Below sector avg (-0.01)
P/B RatioN/A
EV/EBITDAN/A
Dividend YieldN/A

Price History

Financial Trends

Peer Comparison

vs Services sector median (20 peers)
Metric Stock Sector Median
P/E -0.4 0.0
P/B — 3.1
ROE % — -1.5
Net Margin % -86.6 -0.3
Rev Growth 5Y % 60.1 19.1
D/E — 1.0

All Fundamental Metrics
Growth
Revenue Growth (1Y) -14.99% Revenue Growth (3Y) 30.45%
Earnings Growth (1Y) N/A Earnings Growth (3Y) N/A
Revenue Growth (5Y) 60.09% Earnings Growth (5Y) N/A
Profitability
Revenue (TTM) 23.06 M Net Income (TTM) -19.97 M
ROE N/A ROA -90.73%
Gross Margin 42.38% Operating Margin -65.51%
Net Margin -86.60% Free Cash Flow (TTM) -4.22 M
ROIC N/A FCF Growth (3Y) N/A
Safety
Debt / Equity N/A Current Ratio 0.82
Interest Coverage -6.91 Asset Turnover 1.05
Working Capital -4.24 M Tangible Book Value -4.69 M
Dividends
Dividend Yield N/A Payout Ratio N/A
Dividend Growth (3Y) N/A Dividend Growth (5Y) N/A
Consecutive Div Years N/A
Valuation
P/E Ratio -0.35 Forward P/E N/A
P/B Ratio N/A P/S Ratio 0.30
PEG Ratio N/A Forward PEG N/A
EV/EBITDA N/A Fwd EV/EBITDA N/A
Forward P/S N/A Fwd Earnings Yield N/A
FCF Yield -60.37%
Market Cap 6.99 M Enterprise Value 5.83 M
Per Share
EPS (Diluted TTM) -1.67 Revenue / Share 18.20
FCF / Share -3.33 OCF / Share -3.26
EPS CAGR (1Y) N/A EPS CAGR (5Y) N/A
EPS CAGR (10Y) N/A
Efficiency
CapEx / Revenue 0.39% FCF Conversion 21.12%
SBC-Adj. FCF -4.98 M Growth Momentum -75.08

Income Statement

Annual, most recent first
Metric FY2024 FY2023 FY2022 FY2021 FY2020
Revenue 56.00 M 65.87 M 32.91 M 26.30 M 8.53 M
Net Income -26.83 M -53.10 M -49.24 M -26.45 M -5.01 M
EPS (Diluted) -4.01 — — — —
Gross Profit 22.43 M 25.71 M 16.12 M 16.89 M 3.70 M
Operating Income -20.89 M -12.30 M -37.84 M -20.78 M -5.10 M
EBITDA — — — — —
R&D Expenses 3.85 M 5.76 M 6.28 M 3.87 M 1.36 M
SG&A Expenses — — — — —
D&A 2.26 M 2.55 M 20.92 M 912,677.0 15,876.0
Interest Expense -862,000.0 -3.34 M -7.42 M 2.99 M 1.15 M
Income Tax 1.14 M 289,000.0 -8,703.0 4,906.0 0.0

Balance Sheet

Annual, most recent first
Metric FY2024 FY2023 FY2022 FY2021 FY2020
Total Assets 122.28 M 128.67 M 97.66 M 132.67 M 12.26 M
Total Liabilities 123.77 M 105.17 M 99.58 M 87.17 M 11.88 M
Shareholders' Equity -1.49 M 23.49 M -1.92 M 45.51 M 385,236.0
Total Debt 17.38 M 15.93 M 61.73 M 59.31 M 149,900.0
Cash & Equivalents 2.60 M 12.18 M 13.96 M 89.56 M 0.0
Current Assets 95.38 M 89.87 M 59.22 M 115.69 M 12.01 M
Current Liabilities 103.54 M 85.54 M 36.74 M 26.83 M 11.73 M