Ryvyl, Inc.

  • Market Cap: Micro Cap
  • Industry: Software Products
  • ISIN: US39366L3078
USD
0.32
0.01 (2.2%)
  • Price Points
  • Score
  • Mojo Parameters
  • Total Return
  • News and Corporate Actions
  • Key factors
  • Shareholding
  • Financials
  • CompanyCV
stock-summaryPrice Point
High/Low

1Day

52 Week

Valuation
Technical
Day's Volume

CASH

465.25 k

Shareholding (Mar 2025)

FII

0.35%

Held by 7 FIIs

DII

98.22%

Held by 1 DIIs

Promoter

0.00%

How big is Ryvyl, Inc.?

22-Jun-2025

As of Jun 18, Ryvyl, Inc. has a market capitalization of 5.98 million and reported net sales of 54.36 million with a net profit of -26.89 million over the last four quarters. Shareholder's funds are at -1.49 million, with total assets of 122.28 million as of Dec 24.

As of Jun 18, Ryvyl, Inc. has a market capitalization of 5.98 million, categorizing it as a Micro Cap company.<BR><BR>As of Jun 18, the sum of net sales for the latest four quarters is 54.36 million, while the sum of net profit for the same period is -26.89 million.<BR><BR>As of Dec 24, the shareholder's funds are reported at -1.49 million, and the total assets amount to 122.28 million.

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What does Ryvyl, Inc. do?

22-Jun-2025

Ryvyl, Inc. is a micro-cap company in the Software Products industry, reporting net sales of $15 million and a net loss of $3 million as of March 2025. It has a market cap of $5.98 million and key metrics indicating significant debt and a high return on equity.

Overview: <BR>Ryvyl, Inc. operates in the Software Products industry and is categorized as a micro-cap company.<BR><BR>Financial Snapshot: <BR>Most recent Net Sales: 15 Million (Quarterly Results - Mar 2025) <BR>Most recent Net Profit: -3 Million (Quarterly Results - Mar 2025) <BR>Market-cap: USD 5.98 Million (Micro Cap)<BR><BR>Key Metrics: <BR>P/E: NA (Loss Making) <BR>Industry P/E: NA <BR>Dividend Yield: 0.00% <BR>Debt Equity: 18.50 <BR>Return on Equity: 405.55% <BR>Price to Book: -1.94<BR><BR>Contact Details: <BR>Registrar Address: Not available.

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Should I buy, sell or hold Ryvyl, Inc.?

22-Jun-2025

Is Ryvyl, Inc. overvalued or undervalued?

20-Sep-2025

As of August 9, 2019, Ryvyl, Inc. is considered overvalued and risky due to its negative price-to-book value of -2.14, low EV to EBITDA ratio of 7.95, and a significant year-to-date stock decline of -78.48%, especially when compared to peers and the S&P 500.

As of 9 August 2019, the valuation grade for Ryvyl, Inc. moved from does not qualify to risky, indicating a deterioration in its financial standing. The company appears to be overvalued given its negative price-to-book value of -2.14 and a low EV to EBITDA ratio of 7.95, which suggests that the market is not valuing its earnings potential appropriately. Additionally, the return on capital employed (ROCE) stands at 13.45%, but this is overshadowed by the overall negative performance metrics.<BR><BR>In comparison to peers, Ryvyl's EV to EBITDA ratio of 0.7304 is significantly lower than MoneyLion, Inc.'s 11.1009, which is classified as fair. Other risky peers like Blacksky Technology, Inc. and Innovid Corp. show even more severe valuation issues with their respective EV to EBITDA ratios of -67.1056 and 169.8957. The company's stock has underperformed drastically against the S&P 500, with a year-to-date return of -78.48% compared to the index's 12.22%, reinforcing the notion that Ryvyl is overvalued in its current state.

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Is Ryvyl, Inc. technically bullish or bearish?

20-Sep-2025

As of September 8, 2025, Ryvyl, Inc. has shifted to a mildly bearish trend, with mixed technical indicators and a year-to-date return of -78.48%, significantly underperforming the S&P 500's 12.22%.

As of 8 September 2025, the technical trend for Ryvyl, Inc. has changed from bearish to mildly bearish. The current stance is mildly bearish, driven by a combination of indicators. The MACD shows a mildly bullish signal on both weekly and monthly time frames, while the Bollinger Bands and KST indicate bearish conditions on both time frames. The daily moving averages are bearish, and the OBV is mildly bullish on a weekly basis but shows no trend monthly. <BR><BR>In terms of performance, Ryvyl has significantly underperformed the S&P 500 across all periods, with a year-to-date return of -78.48% compared to the S&P 500's 12.22%. This stark contrast highlights the ongoing challenges faced by the stock.

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iScoreScore
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Strong Sell
Sell
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Strong Buy

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Dashboard
1

With a Negative Book Value, the company has a Weak Long Term Fundamental Strength

  • Poor long term growth as Operating profit has grown by an annual rate -232.11% of over the last 5 years
  • Company's ability to service its debt is weak with a poor EBIT to Interest (avg) ratio of -1.96
2

Negative results in Jun 25

3

Risky - Negative EBITDA

4

Falling Participation by Institutional Investors

5

Consistent Underperformance against the benchmark over the last 3 years

stock-summaryMojo Parameters
Mojo Parameters
Stock DNA
stock-summary
Industry

Software Products

stock-summary
Market cap

USD 9 Million (Micro Cap)

stock-summary
P/E

NA (Loss Making)

stock-summary
Industry P/E

NA

stock-summary
Dividend Yield

0.00%

stock-summary
Debt Equity

1.99

stock-summary
Return on Equity

165.94%

stock-summary
Price to Book

-1.34

Revenue and Profits:
Net Sales:
3 Million
(Quarterly Results - Jun 2025)
Net Profit:
-4 Million
stock-summaryTotal Returns
Total Returns (Price + Dividend) stock-summary
TimePeriod
Price Return
Dividend Return
Total Return
3 Months
12.7%
0%
12.7%
6 Months
-52.07%
0%
-52.07%
1 Year
-78.3%
0%
-78.3%
2 Years
-89.15%
0%
-89.15%
3 Years
-94.65%
0%
-94.65%
4 Years
-99.33%
0%
-99.33%
5 Years
-99.36%
0%
-99.36%

Ryvyl, Inc. for the last several years.

Risk Adjusted Returns v/s stock-summary
stock-summaryNews & Corporate Actions
News
Announcements stock-summary
Icon
No announcement available
Corporate Actions stock-summary
Icon
No corporate action available
stock-summaryKey Factors
Quality key factors stock-summary
Factor
Value
Sales Growth (5y)
17.06%
EBIT Growth (5y)
-232.11%
EBIT to Interest (avg)
-1.96
Debt to EBITDA (avg)
Negative Net Debt
Net Debt to Equity (avg)
18.50
Sales to Capital Employed (avg)
1.03
Tax Ratio
5.63%
Dividend Payout Ratio
0
Pledged Shares
0
Institutional Holding
7.12%
ROCE (avg)
0
ROE (avg)
0
Valuation key factors
Factor
Value
P/E Ratio
NA (Loss Making)
Industry P/E
Price to Book Value
-2.14
EV to EBIT
6.24
EV to EBITDA
7.95
EV to Capital Employed
0.84
EV to Sales
-0.93
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
13.45%
ROE (Latest)
Negative BV
Technicals key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Mildly Bullish
RSI
No Signal
No Signal
Bollinger Bands
Mildly Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
No Trend
Mildly Bullish
OBV
No Trend
Bullish
stock-summary Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish  Turned 
stock-summaryShareholding
Shareholding Snapshot : Mar 2025stock-summary
Shareholding Compare (%holding) stock-summary
Majority shareholders

Domestic Funds

Domestic Funds

Held in 3 Schemes (1.43%)

Foreign Institutions

Held by 7 Foreign Institutions (0.35%)

Strategic Entities with highest holding

Highest Public shareholder

stock-summaryFinancial
[
  {
    "link": "quarterly",
    "btn_text": "All Quarterly Results",
    "header": "Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQ",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "QoQ Growth in quarter ended Jun 2025 is -81.46% vs 2.72% in Mar 2025",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "QoQ Growth in quarter ended Jun 2025 is -35.71% vs 59.42% in Mar 2025",
        "dir": -1
      }
    ],
    "table": {
      "header": [
        "Jun'25",
        "Mar'25",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "2.80",
          "val2": "15.10",
          "chgp": "-81.46%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "-1.90",
          "val2": "-0.30",
          "chgp": "-533.33%",
          "chgp_class": "negative"
        },
        {
          "field": "Interest",
          "val1": "0.50",
          "val2": "1.40",
          "chgp": "-64.29%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "-1.10",
          "val2": "-0.40",
          "chgp": "-175.00%",
          "chgp_class": "negative"
        },
        {
          "field": "Consolidate Net Profit",
          "val1": "-3.80",
          "val2": "-2.80",
          "chgp": "-35.71%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "-728.40%",
          "val2": "-29.40%",
          "chgp": "-69.90%",
          "chgp_class": "negative"
        }
      ]
    }
  },
  {
    "link": "annual",
    "btn_text": "All Annual Results",
    "header": "Annual Results Snapshot (Consolidated) - Dec'24",
    "rhs": [
      {
        "prefix": "Net Sales ",
        "suffix": "YoY Growth in year ended Dec 2024 is -15.02% vs 100.30% in Dec 2023",
        "dir": -1
      },
      {
        "prefix": "Consolidated Net Profit ",
        "suffix": "YoY Growth in year ended Dec 2024 is 49.53% vs -7.93% in Dec 2023",
        "dir": 1
      }
    ],
    "table": {
      "header": [
        "Dec'24",
        "Dec'23",
        "Change(%)"
      ],
      "body": [
        {
          "field": "Net Sales",
          "val1": "56.00",
          "val2": "65.90",
          "chgp": "-15.02%",
          "chgp_class": "negative"
        },
        {
          "field": "Operating Profit (PBDIT) excl Other Income",
          "val1": "-7.30",
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        {
          "field": "Interest",
          "val1": "3.10",
          "val2": "16.50",
          "chgp": "-81.21%",
          "chgp_class": "positive"
        },
        {
          "field": "Exceptional Items",
          "val1": "-14.00",
          "val2": "-22.60",
          "chgp": "38.05%",
          "chgp_class": "positive"
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          "field": "Consolidate Net Profit",
          "val1": "-26.80",
          "val2": "-53.10",
          "chgp": "49.53%",
          "chgp_class": "positive"
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        {
          "field": "Operating Profit Margin (Excl OI)",
          "val1": "-170.50%",
          "val2": "-186.80%",
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          "chgp_class": "positive"
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]
Quarterly Results Snapshot (Consolidated) - Jun'25 - QoQstock-summary
Jun'25
Mar'25
Change(%)
Net Sales
2.80
15.10
-81.46%
Operating Profit (PBDIT) excl Other Income
-1.90
-0.30
-533.33%
Interest
0.50
1.40
-64.29%
Exceptional Items
-1.10
-0.40
-175.00%
Consolidate Net Profit
-3.80
-2.80
-35.71%
Operating Profit Margin (Excl OI)
-728.40%
-29.40%
-69.90%
USD in Million.
Direction Arrows
Net Sales

QoQ Growth in quarter ended Jun 2025 is -81.46% vs 2.72% in Mar 2025

Direction Arrows
Consolidated Net Profit

QoQ Growth in quarter ended Jun 2025 is -35.71% vs 59.42% in Mar 2025

Annual Results Snapshot (Consolidated) - Dec'24stock-summary
Dec'24
Dec'23
Change(%)
Net Sales
56.00
65.90
-15.02%
Operating Profit (PBDIT) excl Other Income
-7.30
-9.70
24.74%
Interest
3.10
16.50
-81.21%
Exceptional Items
-14.00
-22.60
38.05%
Consolidate Net Profit
-26.80
-53.10
49.53%
Operating Profit Margin (Excl OI)
-170.50%
-186.80%
1.63%
USD in Million.
Direction Arrows
Net Sales

YoY Growth in year ended Dec 2024 is -15.02% vs 100.30% in Dec 2023

Direction Arrows
Consolidated Net Profit

YoY Growth in year ended Dec 2024 is 49.53% vs -7.93% in Dec 2023

stock-summaryCompany CV
About Ryvyl, Inc. stock-summary
stock-summary
Ryvyl, Inc.
Software Products
No Details Available.
Company Coordinates stock-summary
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No Company Details Available