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Ryvyl (RVYL)
NASDAQ:RVYL
US Market

Ryvyl (RVYL) AI Stock Analysis

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Ryvyl

(NASDAQ:RVYL)

Rating:41Neutral
Price Target:
$0.50
▼(-26.47%Downside)
Ryvyl's stock score is significantly impacted by its poor financial performance, highlighted by negative margins and high leverage. Technical analysis also signals bearish trends, and valuation metrics are unfavorable due to losses. Recent corporate events add further risk, with potential Nasdaq delisting looming if compliance is not achieved.
Positive Factors
AI-driven Efficiency
Ryvyl's automated, AI-driven onboarding process is viewed as significantly more efficient compared to traditional methods, enhancing customer acquisition.
European Expansion
Europe drives momentum as U.S. steadies, with RYVYL EU's contribution significantly boosting revenues and processing volumes.
Global Payments Footprint
RYVYL significantly expanded its global payments footprint, extending Visa Direct services to 16 countries and launching new services and systems.
Negative Factors
Growth Uncertainty
There is hesitation to fully believe in Ryvyl's capacity to deliver steady, consistent growth despite the Euro-centric growth and management expectations.
North American Business Decline
A healthy $48.9M business in North America in 2023 is expected to fall 63% to $18.2M for FY24, indicating inconsistencies in the region.
Revenue Volatility
Analyst remains unsettled on projections due to revenue reporting volatility, such as divested or spin-off business and constant flux of regulatory requirements, especially in the U.S.

Ryvyl (RVYL) vs. SPDR S&P 500 ETF (SPY)

Ryvyl Business Overview & Revenue Model

Company DescriptionRyvyl (RVYL) is a company operating in the financial technology sector, focusing on providing innovative payment solutions. The company offers a range of products and services designed to facilitate secure and efficient transactions, catering to both businesses and consumers. Their offerings include digital payment platforms, transaction processing services, and other related financial technology solutions.
How the Company Makes MoneyRyvyl makes money primarily through transaction fees charged on payments processed via its platforms. The company partners with merchants, financial institutions, and other businesses to integrate its payment solutions, earning a percentage of each transaction. Additionally, Ryvyl may generate revenue from subscription fees for access to its platform, as well as from other value-added services such as data analytics and fraud detection. Strategic partnerships with key industry players enable Ryvyl to expand its market reach and enhance its service offerings, contributing to its overall revenue growth.

Ryvyl Earnings Call Summary

Earnings Call Date:May 20, 2025
(Q3-2024)
|
% Change Since: 4.62%|
Next Earnings Date:Aug 18, 2025
Earnings Call Sentiment Neutral
The earnings call presented a mixed outlook. While there were significant international growth and strategic partnerships, challenges such as revenue decline and financial restructuring indicate underlying issues. The sentiment is balanced by strong prospects for future growth.
Q3-2024 Updates
Positive Updates
International Revenue Growth
International revenue grew 96% year-over-year in Q3 2024, with notable achievements in Europe despite some delays in software integrations.
Increase in Processing Volumes
Processing volumes reached $1.123 billion in Q3 2024, a 31% increase from Q3 2023, with international volumes at $952 million.
Visa Direct Expansion
Expansion of Visa Direct integration to 13 countries, leveraging Visa's global network to fuel revenue growth.
Launch of NanoKard
Successfully launched NanoKard in Q3 2024, targeting high-demand sectors for high-margin processing opportunities.
Private Label Partnership
A new private label partnership went live, expected to generate licensing revenue starting December 2024.
Cost Reduction
Operating expenses decreased to $7.3 million in Q3 2024 from $9.1 million in Q3 2023, reflecting lower G&A and R&D expenses.
Negative Updates
Revenue Decline
Revenue for Q3 2024 was $12.6 million, down from $17.5 million in Q3 2023, impacted by slow growth in the EU.
Negative Adjusted EBITDA
Adjusted EBITDA was a negative $1.7 million in Q3 2024 compared to $50,000 in Q3 2023.
Challenges in U.S. Operations
U.S. operations faced challenges, though there was a sequential growth of over 10% in Q3 2024.
Balance Sheet Restructuring
A memorandum of understanding was announced to restructure the balance sheet, indicating financial strains.
Company Guidance
During the Q3 2024 earnings call for RYVYL Inc., the company provided optimistic guidance for future performance metrics. They experienced a significant increase in international revenue, which surged by 96% year-over-year, despite some delays in European software integrations. The international transaction volumes rose from $781 million in Q2 2024 to $952 million in Q3 2024. RYVYL aims to achieve processing volumes exceeding $4 billion for the year 2024. However, they adjusted their revenue guidance to a range of $56 million to $60 million due to third-quarter impacts and anticipate substantial revenue growth in 2025. The company is also focusing on expanding its Visa Direct integration, which now reaches 13 countries, and expects to see initial licensing revenue from a new private label partnership starting in December 2024. Overall, RYVYL forecasts continued momentum into 2025, with a strategic emphasis on high-margin market segments and leveraging advanced technologies like blockchain and AI for operational enhancements.

Ryvyl Financial Statement Overview

Summary
Ryvyl faces significant financial challenges with declining revenues and negative profitability metrics. The negative equity and high leverage increase financial risk, though positive operating cash flow offers some liquidity relief.
Income Statement
40
Negative
Ryvyl's income statement reveals a challenging financial situation. The TTM (Trailing-Twelve-Months) data shows a gross profit margin of 40.04%, which is decent, but the company is still suffering from negative EBIT and EBITDA margins, indicating operational inefficiencies. The drastic revenue decline from the previous year, with a negative revenue growth rate of -14.96%, further highlights the company's struggle to maintain its market position. The net profit margin is deeply negative at -47.91%, reflecting significant net losses.
Balance Sheet
30
Negative
The balance sheet indicates a precarious financial position for Ryvyl, with a negative stockholders' equity of -$1.49 million, suggesting potential solvency issues. The debt-to-equity ratio is not meaningful due to negative equity, but the company's total debt of $3.70 million against substantial liabilities points to a high leverage situation. The equity ratio is negative as well, which is a critical risk factor.
Cash Flow
55
Neutral
The cash flow statement shows some positive aspects, with a robust operating cash flow of $21.19 million and a free cash flow of $21.14 million in the TTM period. However, the free cash flow growth rate is negative at -36.03%, which raises concerns about future liquidity. The operating cash flow to net income ratio is positive due to high operating cash flow despite net losses, which is a strength in cash management.
Breakdown
Dec 2024Dec 2023Dec 2022Dec 2021Dec 2020
Income StatementTotal Revenue
56.00M65.87M32.91M26.30M8.53M
Gross Profit
22.43M25.71M16.12M16.89M3.70M
EBIT
-20.89M-12.30M-37.84M-20.78M-5.10M
EBITDA
-20.30M-33.78M-5.02M-29.39M-3.48M
Net Income Common Stockholders
-26.82M-53.10M-49.24M-26.45M-6.16M
Balance SheetCash, Cash Equivalents and Short-Term Investments
2.60M12.18M13.96M89.56M-120.11K
Total Assets
122.28M128.66M97.66M132.67M12.26M
Total Debt
21.07M20.32M63.11M60.84M1.40M
Net Debt
18.47M8.14M49.15M-28.72M1.52M
Total Liabilities
123.77M105.17M99.58M87.17M11.88M
Stockholders Equity
-1.49M23.49M-1.92M45.51M385.24K
Cash FlowFree Cash Flow
21.14M33.05M-9.51M-27.32M-4.17M
Operating Cash Flow
21.19M33.16M-9.34M-27.17M-4.16M
Investing Cash Flow
-1.81M2.29M-47.65M-2.66M-6.65K
Financing Cash Flow
-241.00K-3.01M-10.05M116.06M5.24M

Ryvyl Technical Analysis

Technical Analysis Sentiment
Negative
Last Price0.68
Price Trends
50DMA
0.81
Negative
100DMA
0.94
Negative
200DMA
1.20
Negative
Market Momentum
MACD
-0.03
Negative
RSI
48.39
Neutral
STOCH
24.97
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RVYL, the sentiment is Negative. The current price of 0.68 is above the 20-day moving average (MA) of 0.64, below the 50-day MA of 0.81, and below the 200-day MA of 1.20, indicating a neutral trend. The MACD of -0.03 indicates Negative momentum. The RSI at 48.39 is Neutral, neither overbought nor oversold. The STOCH value of 24.97 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for RVYL.

Ryvyl Risk Analysis

Ryvyl disclosed 23 risk factors in its most recent earnings report. Ryvyl reported the most risks in the "Finance & Corporate" category.
Finance & Corporate - Financial and accounting risks. Risks related to the execution of corporate activity and strategy
Latest Risks Added 0 New Risks

Ryvyl Peers Comparison

Overall Rating
UnderperformOutperform
Sector (62)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
62
Neutral
$11.80B10.08-7.46%2.99%7.37%-8.21%
49
Neutral
$10.65M-220.48%-25.38%67.34%
45
Neutral
$16.23M-501.24%141.65%60.23%
42
Neutral
$7.13M163.42%-30.70%82.02%
41
Neutral
$5.65M-309.32%-23.82%56.13%
* Technology Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
RVYL
Ryvyl
0.68
-0.89
-56.69%
DTSS
Datasea
2.12
-2.27
-51.71%
APCX
AppTech
0.32
-0.52
-61.90%
HUBC
Hub
2.34
-5.72
-70.97%

Ryvyl Corporate Events

Delistings and Listing ChangesExecutive/Board ChangesBusiness Operations and StrategyRegulatory Filings and Compliance
Ryvyl Faces Nasdaq Noncompliance Over Stock Price
Negative
Jun 13, 2025

On June 12, 2025, RYVYL Inc. received a notice from Nasdaq indicating noncompliance with the minimum bid price requirement, as its stock price fell below $1.00 for 30 consecutive days. The company has until December 9, 2025, to regain compliance, with the possibility of an additional grace period if necessary. Additionally, RYVYL Inc. is addressing previous noncompliance with Nasdaq’s equity requirements and has made board changes, with Brett Moyer replacing David Montoya as a director. The company is also enhancing its business plan and exploring acquisitions to strengthen its digital asset offerings, contingent on raising $100 million and shareholder approvals.

Delistings and Listing ChangesRegulatory Filings and Compliance
Ryvyl Granted Nasdaq Extension for Compliance Plan
Negative
May 27, 2025

On April 8, 2025, RYVYL Inc. received a notification from Nasdaq indicating non-compliance with the minimum stockholders’ equity requirement due to a reported negative equity of $1.5 million as of December 31, 2024. In response, RYVYL submitted a compliance plan, which Nasdaq accepted, granting an extension until October 6, 2025, to meet the listing requirement. The company is actively working to raise the necessary financing to regain compliance, but there is no assurance of success, which could result in delisting if conditions are not met.

M&A Transactions
Ryvyl Extends Discussions on Subsidiary Sale Agreement
Neutral
May 8, 2025

Ryvyl Inc. has entered into a stock purchase agreement with a purchaser for the sale of its indirect subsidiary, Ryvyl (EU) EAD, based in Bulgaria, for $15 million. However, the company has not exercised its rights to terminate the agreement or extend the standstill period, leading to the expiration of its right to terminate the SPA. Despite this, the purchaser has decided not to finalize the purchase immediately, allowing for further discussions until May 16, 2025.

Executive/Board Changes
Ryvyl Grants RSAs to Executives and Employees
Neutral
Apr 11, 2025

On March 14, 2025, Ryvyl Inc.’s Compensation Committee approved a salary increase for CFO George Oliva to $375,000, retroactive to January 1, 2025. Additionally, the company granted restricted stock unit awards to key executives and employees, including 380,000 RSAs each for Executive Vice President Ben Errez and CEO Fredi Nisan, and 272,000 RSAs for CFO George Oliva, under its 2023 Amended and Restated Equity Incentive Plan. These RSAs, granted on April 8, 2025, will vest between May 15, 2025, and February 18, 2028.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.