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Ryvyl (RVYL)
NASDAQ:RVYL
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Ryvyl
(NASDAQ:RVYL)
41Neutral
Positive Factors
European Growth
European growth is driven by RYVYL's ability to make quick risk assessments using proprietary algorithms, allowing the company to process transaction pools that other processors avoid and generate higher returns.
Strategic Partnerships
RYVYL’s expansion relies heavily on strategic partnerships, positioning the company to expand in global finance.
Transaction Volume
RYVYL's overall transaction processing volume is expected to reach $4.5B, up 47% year over year, suggesting revenue should improve.
Negative Factors
North America Revenue Decline
A healthy $48.9M business in North America is expected to fall 63% to $18.2M, indicating inconsistencies in the region.
Revenue Reporting 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.
Revised Revenue Guidance
RYVYL revised its 2024 revenue guidance down due to temporary delays in European software implementations.
Ryvyl (RVYL) vs. S&P 500 (SPY)
Market Cap
$9.12M
Dividend YieldN/A
Average Volume (3M)75.16K
Price to Earnings (P/E)―
Beta (1Y)3.77
Revenue Growth17.56%
EPS Growth6.54%
CountryUS
Employees99
SectorTechnology
Sector Strength48
IndustrySoftware - Infrastructure
Share Statistics
EPS (TTM)-8.52
Shares Outstanding8,351,086
10 Day Avg. Volume41,193
30 Day Avg. Volume75,163
Financial Highlights & Ratios
PEG RatioN/A
Price to Book (P/B)N/A
Price to Sales (P/S)0.14
Price to Cash Flow (P/CF)0.10
P/FCF Ratio0.10
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusHold
Number of Analyst Covering1
Ryvyl Business Overview & Revenue Model
Company DescriptionRyvyl (RVYL) is a company operating in the financial technology sector, focusing on innovative payment solutions and digital financial services. The company offers a range of products designed to streamline transactions, enhance security, and improve financial accessibility for businesses and consumers. Ryvyl is committed to leveraging technology to create efficient and user-friendly payment ecosystems.
How the Company Makes MoneyRyvyl makes money primarily through transaction fees, subscription models, and service charges associated with its payment solutions. The company partners with various financial institutions and businesses to integrate its technology into their operations, facilitating seamless and secure transactions. Revenue is generated each time a transaction is processed through its platform. Additionally, Ryvyl offers premium services and features that require subscription fees, contributing to its earnings. Strategic partnerships with banks and other financial service providers also play a crucial role in expanding its market reach and revenue potential.
Ryvyl Financial Statement Overview
Summary
Ryvyl's financial performance shows growth in revenue but substantial challenges in achieving profitability. The income statement reflects ongoing losses and high operational costs. The balance sheet indicates high leverage and financial risk, while cash flow generation is inconsistent despite some operational strengths.Income Statement
Ryvyl's revenue has seen growth over the years, but the company is struggling with profitability. The latest TTM shows a negative net profit margin, reflecting ongoing losses. EBIT and EBITDA margins are also negative, indicating operational challenges. The gross profit margin has declined in the TTM, emphasizing cost pressures or pricing issues. Overall, the income statement highlights significant profitability issues despite revenue growth.35
Negative
Balance Sheet
The balance sheet shows high leverage with a debt-to-equity ratio that indicates potential financial risk. The equity ratio is low, suggesting that much of the company's assets are financed through debt. The negative return on equity in recent periods underlines the lack of profitability. While there are sufficient assets, the financial structure raises concerns about stability and financial health.30
Negative
Cash Flow
Positive operating cash flow in recent periods is a strength, showing that the company is generating cash from operations. However, free cash flow has fluctuated significantly, and the free cash flow to net income ratio reflects the company's struggles with profitability. Cash flow management remains a mixed bag with some positive signs but looming challenges.40
Negative
| Breakdown | |||||
| TTM | Dec 2023 | Dec 2022 | Dec 2021 | Dec 2020 | Dec 2019 |
|---|---|---|---|---|---|
| Income Statement | Total Revenue | ||||
| 27.04M | 65.87M | 32.91M | 26.30M | 8.53M | 10.00M |
| Gross Profit | |||||
| 13.84M | 25.71M | 16.12M | 16.89M | 3.70M | -1.09M |
| EBIT | |||||
| -26.34M | -12.30M | -37.84M | -20.78M | -5.10M | -5.61M |
| EBITDA | |||||
| -4.19M | -33.78M | -5.02M | -29.39M | -3.48M | -3.87M |
| Net Income Common Stockholders | |||||
| -23.99M | -53.10M | -49.24M | -26.45M | -6.16M | -4.88M |
| Balance Sheet | Cash, Cash Equivalents and Short-Term Investments | ||||
| 45.85K | 12.18M | 13.96M | 89.56M | -120.11K | -234.04K |
| Total Assets | |||||
| 749.77K | 128.66M | 97.66M | 132.67M | 12.26M | 12.38M |
| Total Debt | |||||
| 644.15K | 20.32M | 63.11M | 60.84M | 1.40M | 1.78M |
| Net Debt | |||||
| 598.30K | 8.14M | 49.15M | -28.72M | 1.52M | 2.02M |
| Total Liabilities | |||||
| 919.06K | 105.17M | 99.58M | 87.17M | 11.88M | 17.74M |
| Stockholders Equity | |||||
| -169.28K | 23.49M | -1.92M | 45.51M | 385.24K | -5.37M |
| Cash Flow | Free Cash Flow | ||||
| -11.24M | 33.05M | -9.51M | -27.32M | -4.17M | -215.35K |
| Operating Cash Flow | |||||
| -10.40M | 33.16M | -9.34M | -27.17M | -4.16M | -165.56K |
| Investing Cash Flow | |||||
| -45.65M | 2.29M | -47.65M | -2.66M | -6.65K | -49.80K |
| Financing Cash Flow | |||||
| 62.93M | -3.01M | -10.05M | 116.06M | 5.24M | 684.67K |
Ryvyl Technical Analysis
Neutral
1.09
Price Trends
1.11
Negative
1.30
Negative
1.42
Negative
Market Momentum
<0.01
Negative
55.56
Neutral
66.75
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For RVYL, the sentiment is Neutral. The current price of 1.09 is above the 20-day moving average (MA) of 0.95, below the 50-day MA of 1.11, and below the 200-day MA of 1.42, indicating a neutral trend. The MACD of <0.01 indicates Negative momentum. The RSI at 55.56 is Neutral, neither overbought nor oversold. The STOCH value of 66.75 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral 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 (58)
Financial Indicators
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
73 Outperform | $37.99B | 13.48 | 14.50% | ― | 10.06% | 38060.98% | |
73 Outperform | $24.32B | 16.07 | 6.94% | 1.01% | 4.68% | 63.39% | |
71 Outperform | $2.80B | 24.18 | 17.45% | ― | 17.64% | 30.75% | |
58 Neutral | $22.44B | 10.62 | -18.43% | 2.37% | 4.68% | -25.09% | |
54 Neutral | $555.65M | ― | -1.29% | ― | 5.53% | 90.89% | |
49 Neutral | $39.50M | ― | -98.64% | ― | -15.57% | 80.69% | |
41 Neutral | $9.12M | ― | -790.40% | ― | 17.56% | 6.54% |
* Technology Sector Average
Performance Comparison
RVYL
Ryvyl
1.09
-1.69
-60.79%
GPN
Global Payments
98.91
-31.57
-24.20%
FLNT
Fluent
2.23
-0.79
-26.16%
XYZ
Block
61.33
-21.85
-26.27%
RPAY
Repay Holdings
5.86
-5.19
-46.97%
PAYO
Payoneer
7.78
2.89
59.10%
Ryvyl Earnings Call Summary
Earnings Call Date: Nov 14, 2024 | % Change Since: -35.88% | Next Earnings Date: Mar 26, 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.Highlights
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.
Lowlights
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.Glossary
OutperformA stock rated as "Outperform" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock is likely to deliver higher returns compared to the average returns of other stocks in the same sector or market index. Investors might consider this stock a good buying opportunity.
NeutralA stock rated as "Neutral" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly attractive nor unattractive for investment. Investors may consider holding onto the stock, as it is not expected to either significantly outperform or underperform the market.
UnderperformA stock rated as "Underperform" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests that the stock may deliver lower returns compared to the average returns of other stocks in the same sector or market index. Investors might consider selling the stock or avoiding it as an investment.
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.