Ryvyl (RVYL)
NASDAQ:RVYL
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Ryvyl
(NASDAQ:RVYL)
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Rating:48Neutral
Price Target:
$6.00
▲(21.95% Upside)
Action:ReiteratedDate:04/15/26
The score is held down primarily by deteriorating financial performance (sharp 2025 revenue contraction, persistent losses, and a major swing to negative operating/free cash flow). Technicals are mixed with modest near-term stabilization but a longer-term downtrend, while valuation remains challenged due to unprofitability. Corporate events provide some offset via merger progress and Nasdaq compliance, but do not fully counter the underlying financial risk.
Positive Factors
Debt Reduction
A large reduction in total debt materially lowers near-term refinancing and interest burden, improving financial flexibility. This creates runway for executing strategic initiatives (merger/integration) and reduces immediate liquidity pressure, a durable improvement to capital structure.
Negative Factors
Revenue Collapse
A severe drop in revenue sharply reduces scale economics and merchant reach; fixed costs become a larger burden and unit economics likely deteriorate. Such a structural decline undermines sustainable gross margin recovery and constrains investment in product and go‑to‑market capabilities.
Read all positive and negative factors
Positive Factors
Negative Factors
Debt Reduction
A large reduction in total debt materially lowers near-term refinancing and interest burden, improving financial flexibility. This creates runway for executing strategic initiatives (merger/integration) and reduces immediate liquidity pressure, a durable improvement to capital structure.
Read all positive factors
Ryvyl (RVYL) vs. SPDR S&P 500 ETF (SPY)
Market Cap
$7.69M
Dividend YieldN/A
Average Volume (3M)5.47M
Price to Earnings (P/E)―
Beta (1Y)2.23
Revenue Growth-44.25%
EPS Growth82.71%
CountryUS
Employees95
SectorTechnology
Sector Strength88
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)N/A
Shares Outstanding1,266,631
10 Day Avg. Volume1,418,276
30 Day Avg. Volume5,474,171
Financial Highlights & Ratios
PEG Ratio2.44
Price to Book (P/B)5.07K
Price to Sales (P/S)304.35
P/FCF Ratio-146.53
Enterprise Value/Market Cap-0.16
Enterprise Value/Revenue-0.11
Enterprise Value/Gross Profit-0.23
Enterprise Value/Ebitda0.12
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)N/A
Revenue Forecast (FY)N/A
Ryvyl Business Overview & Revenue Model
Company Description
GreenBox POS, a technology company, engages in the development, marketing, and sale of blockchain-based payment solutions. Its blockchain-based systems facilitate, record, and store a volume of tokenized assets, representing cash or data, on a blo...
How the Company Makes Money
Ryvyl makes money primarily by providing payment processing and related payment services. Its revenue model is generally driven by (1) transaction-based fees earned when it processes electronic payments (e.g., card-present/card-not-present transac...
Ryvyl Financial Statement Overview
Summary
Income Statement
18
Very Negative
Balance Sheet
32
Negative
Cash Flow
27
Negative
| Breakdown | Dec 2025 | Mar 2025 | Dec 2023 | Mar 2023 | Mar 2022 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 11.13M | 56.00M | 65.87M | 32.91M | 26.30M |
| Gross Profit | 5.31M | 22.43M | 25.71M | 16.12M | 16.23M |
| EBITDA | -18.60M | -20.30M | -33.78M | -6.13M | -29.43M |
| Net Income | -17.53M | -26.82M | -53.10M | -49.24M | -35.27M |
Balance Sheet | |||||
| Total Assets | 13.10M | 122.28M | 128.66M | 97.66M | 114.05M |
| Cash, Cash Equivalents and Short-Term Investments | 8.93M | 2.60M | 12.18M | 13.96M | 89.05M |
| Total Debt | 2.52M | 21.07M | 20.32M | 63.39M | 79.57M |
| Total Liabilities | 12.43M | 123.77M | 105.17M | 99.58M | 84.58M |
| Stockholders Equity | 668.00K | -1.49M | 23.49M | -1.92M | 29.47M |
Cash Flow | |||||
| Free Cash Flow | -23.12M | 21.14M | 33.05M | -9.51M | -27.32M |
| Operating Cash Flow | -23.04M | 21.19M | 33.16M | -9.34M | -27.17M |
| Investing Cash Flow | -76.35M | -1.81M | 2.29M | -47.65M | -2.66M |
| Financing Cash Flow | 13.89M | -241.00K | -3.01M | -10.05M | 116.06M |
Ryvyl Technical Analysis
Positive
4.92
Price Trends
5.69
Positive
6.73
Negative
9.46
Negative
Market Momentum
0.11
Negative
56.97
Neutral
76.80
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RVYL, the sentiment is Positive. The current price of 4.92 is below the 20-day moving average (MA) of 5.54, below the 50-day MA of 5.69, and below the 200-day MA of 9.46, indicating a neutral trend. The MACD of 0.11 indicates Negative momentum. The RSI at 56.97 is Neutral, neither overbought nor oversold. The STOCH value of 76.80 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive 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
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
61 Neutral | $37.18B | 12.37 | -10.20% | 1.83% | 8.50% | -7.62% | |
53 Neutral | $11.15M | -29.08 | -25.73% | ― | 0.16% | -36.86% | |
48 Neutral | $7.69M | -193.29 | 542.13% | ― | -44.25% | 82.71% | |
45 Neutral | $12.60M | -0.08 | -164.51% | ― | 16.50% | ― | |
42 Neutral | $11.18M | -2.78 | -88.69% | ― | 68.56% | 89.48% | |
41 Neutral | $15.64M | -0.52 | ― | ― | -30.70% | 82.02% | |
40 Underperform | $11.64M | -0.31 | -46.76% | ― | -15.10% | -177.14% |
* Technology Sector Average
RVYL
Ryvyl
6.16
-28.49
-82.22%
BLIN
Bridgeline Digital
0.89
-0.62
-41.19%
TAOP
Taoping
1.33
-5.12
-79.38%
CETX
Cemtrex
1.22
-16.93
-93.28%
DTSS
Datasea
1.04
-0.86
-45.12%
HUBC
Hub
0.15
-41.10
-99.64%
Ryvyl Corporate Events
Business Operations and StrategyExecutive/Board ChangesDelistings and Listing ChangesM&A TransactionsShareholder Meetings
Ryvyl Shareholders Approve Transformative Merger and Name Change
Positive
Apr 2, 2026
On March 27, 2026, RYVYL’s board filled a vacancy by appointing veteran investment banker Steven Fletcher as an independent director and audit committee member, adding more than two decades of capital markets and corporate governance experie...
Business Operations and StrategyM&A Transactions
Ryvyl Advances Merger with RTB and Strategic Acquisition
Positive
Mar 30, 2026
Ryvyl, Inc. reported that RTB Digital, Inc., the company with which it has entered into a proposed merger under which Ryvyl would be the surviving entity, has signed a confidential Strategic Partnerships and Investment Terms Agreement to obtain a ...
Business Operations and StrategyM&A TransactionsShareholder Meetings
Ryvyl Advances Roundtable Merger, Seeks Final Shareholder Votes
Positive
Mar 26, 2026
On March 26, 2026, RYVYL reported that shareholders voting at its Special Meeting had overwhelmingly backed the company’s planned merger with Web3 media platform Roundtable, with 99% of votes cast and 659,620 shares in favor. As approval sti...
M&A TransactionsShareholder Meetings
Ryvyl Reschedules Shareholder Meeting on RTB Digital Merger
Neutral
Mar 19, 2026
On March 18, 2026, RYVYL Inc. adjourned its Special Meeting of Shareholders, originally convened that day to vote on its planned merger with RTB Digital, Inc., and rescheduled it to reconvene virtually on March 25, 2026, at 4 p.m. EST. The record ...
Delistings and Listing ChangesM&A TransactionsRegulatory Filings and Compliance
Ryvyl Files Form S-4 Advancing RTB Digital Merger
Positive
Jan 20, 2026
On January 16, 2026, RYVYL regained compliance with Nasdaq’s minimum bid price rule after its shares maintained a closing bid of at least $1.00 for ten consecutive trading days from January 2 to January 15, 2026, leading Nasdaq to cancel a p...
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.