Ryvyl Financials

RVYL Stock  USD 1.67  0.46  38.02%   
Based on the analysis of Ryvyl's profitability, liquidity, and operating efficiency, Ryvyl Inc is not in a good financial situation at the present time. It has a very high chance of going through financial crunch in December. At this time, Ryvyl's Current Deferred Revenue is quite stable compared to the past year. Net Debt is expected to rise to about 8.6 M this year, although the value of Retained Earnings are projected to rise to (145 M). Key indicators impacting Ryvyl's financial strength include:
Current ValueLast YearChange From Last Year 10 Year Trend
Current Ratio0.741.0505
Way Down
Pretty Stable
The essential information of the day-to-day investment outlook for Ryvyl includes many different criteria found on its balance sheet. An individual investor should monitor Ryvyl's cash flow, debt, and profitability to accurately make informed decisions on whether to invest in Ryvyl.

Net Income

(50.45 Million)

  
Understanding current and past Ryvyl Financials, including the trends in assets, liabilities, equity and income are directly related to making proper and timely investing decisions. All of Ryvyl's financial statements are interrelated, with each one affecting the others. For example, an increase in Ryvyl's assets may result in an increase in income on the income statement.

Ryvyl Stock Summary

Ryvyl competes with GigaCloud Technology, Arqit Quantum, Telos Corp, Cemtrex, and AuthID. GreenBox POS, a technology company, engages in the development, marketing, and sale of blockchain-based payment solutions. GreenBox POS was incorporated in 2007 and is based in San Diego, California. Ryvyl operates under SoftwareInfrastructure classification in the United States and is traded on NASDAQ Exchange. It employs 50 people.
Specialization
Information Technology, Software - Infrastructure
InstrumentUSA Stock View All
ExchangeNASDAQ Exchange
CUSIP39366L208 39366L307 39366L109 043418102
LocationCalifornia; U.S.A
Business Address3131 Camino Del
SectorSoftware
IndustryInformation Technology
BenchmarkDow Jones Industrial
Websitewww.ryvyl.com
Phone619 631 8261
CurrencyUSD - US Dollar

Ryvyl Key Financial Ratios

Ryvyl Key Balance Sheet Accounts

201920202021202220232024 (projected)
Total Assets12.4M12.3M132.7M97.7M128.7M135.1M
Other Current Liab1.1M10.3M4.5M5.9M82.0M86.1M
Net Debt2.0M1.5M(28.7M)49.2M8.1M8.6M
Retained Earnings(6.7M)(11.7M)(38.2M)(99.8M)(152.6M)(145.0M)
Cash(234.0K)(120.1K)89.6M14.0M12.2M8.0M
Total Liab17.7M11.9M87.2M99.6M105.2M110.4M
Total Current Assets12.1M12.0M115.7M59.2M89.9M94.4M
Short Term Debt1.7M1.2M19.2M269.4K1.4M1.9M
Common Stock169.9K30.7K42.8K49.0K6K5.7K
Accounts Payable14.5M210.1K469.1K30.5M1.8M1.7M
Net Receivables5.9M10K481.7K8.6M13.7M14.4M
Net Tangible Assets(5.4M)385.2K31.9M(35.4M)(31.9M)(30.3M)
Other Current Assets8.5M12.0M6.8M9.5M64.0M67.2M
Net Invested Capital(3.8M)1.7M104.8M60.1M39.4M37.1M
Short Long Term Debt1.5M1.1M18.7M269.4K309.8K294.3K
Capital Stock169.9K30.7K42.8K49.0K7K6.7K
Net Working Capital(5.5M)278.4K88.9M22.5M4.3M4.1M

Ryvyl Key Income Statement Accounts

201920202021202220232024 (projected)
Interest Expense195.2K1.1M4.9M23.3M16.5M17.3M
Total Revenue10.0M8.5M26.3M32.9M65.9M69.2M
Operating Income(5.6M)(5.1M)(20.8M)(37.8M)(12.3M)(11.7M)
Ebit(5.6M)(3.5M)(30.3M)(37.8M)(36.3M)(34.5M)
Ebitda(6.2M)(3.5M)(29.4M)(21.5M)(33.8M)(32.1M)
Income Before Tax(4.7M)(5.0M)(26.4M)(49.2M)(52.8M)(50.2M)
Net Income(4.9M)(6.2M)(26.5M)(49.2M)(53.1M)(50.4M)
Income Tax Expense197.4K1.2M4.9K(8.7K)289K180.5K
Net Interest Income(799.7K)(1.5M)(4.9M)(23.3M)(17.2M)(16.4M)

Ryvyl Key Cash Accounts

201920202021202220232024 (projected)
Change In Cash478.1K1.1M87.7M(48.7M)32.5M34.1M
Free Cash Flow(215.4K)(4.2M)(27.3M)(9.5M)33.1M34.7M
Capital Expenditures49.8K6.6K158.9K162.3K108K113.4K
Net Income(4.7M)(5.0M)(26.5M)(49.2M)(53.1M)(50.4M)
End Period Cash Flow763.1K1.8M89.6M40.8M73.3M77.0M
Depreciation14.0K15.9K912.7K20.9M2.6M1.9M
Other Non Cash Items190.8K2.4M16.0M5.8M30.9M32.5M
Investments(49.8K)(6.6K)(2.7M)(47.6M)(862.7K)(905.8K)
Net Borrowings684.7K2.3M77.2M(6M)(6.9M)(6.6M)

Ryvyl Financial Ratios Relationships

Comparative valuation techniques use various fundamental indicators to help in determining Ryvyl's current stock value. Our valuation model uses many indicators to compare Ryvyl value to that of its competitors to determine the firm's financial worth. You can analyze the relationship between different fundamental ratios across Ryvyl competition to find correlations between indicators driving Ryvyl's intrinsic value. More Info.
Ryvyl Inc is rated below average in return on equity category among its peers. It is currently regarded as top stock in return on asset category among its peers . At this time, Ryvyl's Return On Equity is quite stable compared to the past year. Comparative valuation analysis is a catch-all technique that is used if you cannot value Ryvyl by discounting back its dividends or cash flows. It compares the stock's price multiples to nearest competition to determine if the stock is relatively undervalued or overvalued.

Ryvyl Inc Systematic Risk

Ryvyl's systematic risk plays a vital role in portfolio allocation when considering its stock to be added to a well-diversified portfolio. Ryvyl volatility which cannot be eliminated through diversification, requires returns over the risk-free rate. Over the long run, a well-diversified portfolio provides returns that match its exposure to systematic risk. In this case, investors face a trade-off between expected returns and systematic risk and, therefore, can only reduce a portfolio's exposure to systematic risk by sacrificing expected returns on the portfolio.
The output start index for this execution was twelve with a total number of output elements of fourty-nine. The Beta measures systematic risk based on how returns on Ryvyl Inc correlated with the market. If Beta is less than 0 Ryvyl generally moves in the opposite direction as compared to the market. If Ryvyl Beta is about zero movement of price series is uncorrelated with the movement of the benchmark. if Beta is between zero and one Ryvyl Inc is generally moves in the same direction as, but less than the movement of the market. For Beta = 1 movement of Ryvyl is generally in the same direction as the market. If Beta > 1 Ryvyl moves generally in the same direction as, but more than the movement of the benchmark.
Today, most investors in Ryvyl Stock are looking for potential investment opportunities by analyzing not only static indicators but also various Ryvyl's growth ratios. Consistent increases or decreases in fundamental ratios usually indicate a possible pattern that can be successfully translated into profits. However, when comparing two companies, knowing each company's growth growth rates may not be enough to decide which company is a better investment. That's why investors frequently use static breakdown of Ryvyl growth as a starting point in their analysis.

Price Earnings To Growth Ratio

0.0612

At this time, Ryvyl's Price Earnings To Growth Ratio is quite stable compared to the past year.

Ryvyl November 25, 2024 Opportunity Range

Along with financial statement analysis, the daily predictive indicators of Ryvyl help investors to analyze its daily demand and supply, volume, patterns, and price swings to determine the real value of Ryvyl Inc. We use our internally-developed statistical techniques to arrive at the intrinsic value of Ryvyl Inc based on widely used predictive technical indicators. In general, we focus on analyzing Ryvyl Stock price patterns and their correlations with different microeconomic environment and drivers. We also apply predictive analytics to build Ryvyl's daily price indicators and compare them against related drivers.
When determining whether Ryvyl Inc is a strong investment it is important to analyze Ryvyl's competitive position within its industry, examining market share, product or service uniqueness, and competitive advantages. Beyond financials and market position, potential investors should also consider broader economic conditions, industry trends, and any regulatory or geopolitical factors that may impact Ryvyl's future performance. For an informed investment choice regarding Ryvyl Stock, refer to the following important reports:
Check out Your Equity Center to better understand how to build diversified portfolios, which includes a position in Ryvyl Inc. Also, note that the market value of any company could be closely tied with the direction of predictive economic indicators such as signals in manufacturing.
You can also try the Competition Analyzer module to analyze and compare many basic indicators for a group of related or unrelated entities.
Is Application Software space expected to grow? Or is there an opportunity to expand the business' product line in the future? Factors like these will boost the valuation of Ryvyl. If investors know Ryvyl will grow in the future, the company's valuation will be higher. The financial industry is built on trying to define current growth potential and future valuation accurately. All the valuation information about Ryvyl listed above have to be considered, but the key to understanding future value is determining which factors weigh more heavily than others.
Earnings Share
(8.60)
Revenue Per Share
11.814
Quarterly Revenue Growth
(0.20)
Return On Assets
(0.05)
Return On Equity
(8.82)
The market value of Ryvyl Inc is measured differently than its book value, which is the value of Ryvyl that is recorded on the company's balance sheet. Investors also form their own opinion of Ryvyl's value that differs from its market value or its book value, called intrinsic value, which is Ryvyl's true underlying value. Investors use various methods to calculate intrinsic value and buy a stock when its market value falls below its intrinsic value. Because Ryvyl's market value can be influenced by many factors that don't directly affect Ryvyl's underlying business (such as a pandemic or basic market pessimism), market value can vary widely from intrinsic value.
Please note, there is a significant difference between Ryvyl's value and its price as these two are different measures arrived at by different means. Investors typically determine if Ryvyl is a good investment by looking at such factors as earnings, sales, fundamental and technical indicators, competition as well as analyst projections. However, Ryvyl's price is the amount at which it trades on the open market and represents the number that a seller and buyer find agreeable to each party.