Symbols / RVYL Stock $5.43 -5.57% Ryvyl Inc.

Technology • Software - Infrastructure • United States • NCM
RVYL (Stock) Chart
O: — H: — L: — C: — V: —
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Stock Fundamentals
Scroll to Statements
Index EQUITY
Sector Technology
Industry Software - Infrastructure
CEO Mr. Paul Levine
Exch · Country NCM · United States
Market Cap 6.95M
Enterprise Value 2.67M
Income -16.05M
Sales 11.13M
FCF (ttm) -11.30M
Book/sh 0.65
Cash/sh 5.80
Employees 15
Insider 10d —
IPO Apr 05, 2010
Div forward ($/yr)
Div TTM ($/yr)
Dividend Yield
Ex-Div Date
5Y Avg Yield
Yield vs 5Y Avg
Payout 0.00%
P/E —
Forward P/E 19.39
PEG —
P/S 0.62
P/B 8.42
P/C —
EV/EBITDA -0.30
EV/Sales 0.24
Quick Ratio 0.85
Current Ratio 1.11
Debt/Eq 470.36
LT Debt/Eq —
EPS (ttm) -26.87
EPS next Y 0.28
EPS Growth —
Revenue Growth 4.20%
EPS Gr Q/Q —
Rev Gr Q/Q —
Earnings (next) 2025-11-14
Earnings (prior) 2025-11-14
ROA -8.70%
ROE —
ROIC —
Gross Margin 47.68%
Oper. Margin -78.55%
Profit Margin -157.45%
Shs Outstand 1.28M
Shs Float 1.17M
Insider Own 8.30%
Instit Own 4.25%
Short Float 6.76%
Short Ratio 0.89
Short Interest 72.43K
52W High 81.55
vs 52W High -93.34%
52W Low 4.14
vs 52W Low 31.16%
Beta 2.61
Impl. Vol. —
Rel Volume 0.56
Avg Volume 47.45K
Volume 26.37K
Target (mean) —
Tgt Median —
Tgt Low —
Tgt High —
# Analysts —
Recom None
Prev Close $5.75
Price $5.43
Change -5.57%
About

Ryvyl Inc., a financial technology company, develops software platforms and tools that focuses on providing payment acceptance and disbursement capabilities in North America, Europe, and Asia. It offers dual-sided platform that enables businesses to accept payments from customers while distributing funds to vendors, employees, and partners; treasury management services; and payment solutions, including automated clearing house and wire transfer services. The company also provides IBAN issuance; foreign exchange; and electronic money institution services, as well as card issuing services, such as debit, credit, and virtual cards. It serves customers in various industries, including retail, e-commerce, financial services, logistics, healthcare, and other sectors. The company was formerly known as GreenBox POS and changed its name to Ryvyl Inc. in October 2022. Ryvyl Inc. is based in San Diego, California.

Valuation Models

Price estimates from analyst targets and simple models.

1. Analyst consensus
—
Mean price target
2. Current target
$5.43
Latest analyst target
3. DCF / Fair value
$-158.91
Simplified: (Free Cash Flow ÷ Shares) × 18 (P/FCF multiple). Not a …
Ratings
Current target
$5.43
Low
—
High
—
Mean
—

Latest analyst rating changes

Date Action Analyst Rating Change Price Target
2025-10-06 reit HC Wainwright & Co. Neutral → Neutral —
2025-04-03 reit HC Wainwright & Co. Neutral → Neutral —
2025-02-26 reit HC Wainwright & Co. Neutral → Neutral —
2024-11-15 reit HC Wainwright & Co. — → Neutral —
2024-05-15 reit HC Wainwright & Co. — → Neutral —
News
RSS: Latest RVYL news
Insider Transactions
Filed Date Insider Relationship Transaction Shares Price Value SEC
2025-08-20 ERREZ BEN Chairman of the Board — 46,440 $0.29 $19,998
2025-08-20 NISAN FREDI Chief Executive Officer — 46,440 $0.29 $19,998
2025-07-16 S8 GLOBAL FINTECH & REGTECH FUND Beneficial Owner of more than 10% of a Class of Security — 200,000 $0.36 $71,180
2025-07-01 S8 GLOBAL FINTECH & REGTECH FUND Beneficial Owner of more than 10% of a Class of Security — 100,000 $0.83 $82,740
2025-06-30 S8 GLOBAL FINTECH & REGTECH FUND Beneficial Owner of more than 10% of a Class of Security — 114,491 $0.79 $91,050
2025-06-26 S8 GLOBAL FINTECH & REGTECH FUND Beneficial Owner of more than 10% of a Class of Security — 103,354 $0.77 $90,573
2025-06-24 S8 GLOBAL FINTECH & REGTECH FUND Beneficial Owner of more than 10% of a Class of Security — 200,000 $0.75 $155,400
2025-06-05 LANIADO EZRA Director — 15,621 $0.39 $6,413
2025-04-08 KIRSCHER ZECHARIAH JOHN Officer — 90,000 $0.79 $71,100
2025-02-14 MONTOYA DAVID S Director — 3,968 $1.26 $5,000
Financials
Statement View
Amounts in millions (2 decimals, no suffix) • EPS per share (2 decimals) • Trend = period evolution • YoY Growth = previous period %
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Total Revenue
11.13
-38.70%
18.16
-72.43%
65.87
+100.15%
32.91
Operating Revenue
11.13
-38.70%
18.16
-72.43%
65.87
+100.15%
32.91
Cost Of Revenue
5.82
-45.90%
10.77
-73.19%
40.16
+139.23%
16.79
Reconciled Cost Of Revenue
5.73
-45.52%
10.51
-73.82%
40.16
+139.23%
16.79
Gross Profit
5.31
-28.22%
7.39
-71.25%
25.71
+59.47%
16.12
Operating Expense
14.73
-36.71%
23.27
-38.78%
38.01
-29.55%
53.96
Research And Development
0.56
-85.47%
3.85
-33.16%
5.76
-8.27%
6.28
Selling General And Administration
13.77
-20.90%
17.41
-41.38%
29.70
+10.97%
26.77
Selling And Marketing Expense
—
0.10
+18.75%
0.08
-94.02%
1.34
General And Administrative Expense
13.77
-20.90%
17.41
-41.22%
29.62
+16.49%
25.43
Salaries And Wages
6.08
-40.25%
10.18
-26.58%
13.87
+2.62%
13.52
Other Gand A
7.69
+6.35%
7.23
-54.11%
15.75
+32.22%
11.91
Total Expenses
20.55
-39.62%
34.04
-56.46%
78.17
+10.49%
70.75
Operating Income
-9.42
+40.66%
-15.88
-29.08%
-12.30
+67.49%
-37.84
Total Operating Income As Reported
-13.15
+51.69%
-27.22
-121.25%
-12.30
+67.49%
-37.84
EBITDA
-13.30
+51.37%
-27.35
+19.05%
-33.78
-446.86%
-6.18
Normalized EBITDA
-8.67
+37.83%
-13.95
+62.57%
-37.26
-61.74%
-23.04
Reconciled Depreciation
0.49
-78.22%
2.26
-11.32%
2.55
-87.79%
20.92
EBIT
-13.79
+53.42%
-29.61
+18.51%
-36.34
-34.11%
-27.09
Total Unusual Items
-4.63
+65.45%
-13.40
-486.14%
3.47
-79.41%
16.86
Total Unusual Items Excluding Goodwill
-4.63
+65.45%
-13.40
-486.14%
3.47
-79.41%
16.86
Special Income Charges
-4.63
+65.45%
-13.40
-336.15%
-3.07
0.00
Other Special Charges
0.91
-56.15%
2.06
-50.17%
4.14
-27.46%
5.71
Impairment Of Capital Assets
1.83
-81.16%
9.70
0.00
—
Restructuring And Mergern Acquisition
1.90
+16.01%
1.64
0.00
—
Net Income
-17.53
+34.67%
-26.82
+49.48%
-53.10
-7.85%
-49.24
Pretax Income
-15.74
+51.94%
-32.74
+38.01%
-52.81
-7.25%
-49.24
Net Non Operating Interest Income Expense
-1.94
+37.88%
-3.13
+81.01%
-16.47
+25.62%
-22.15
Interest Expense Non Operating
1.94
-37.88%
3.13
-81.01%
16.47
-25.62%
22.15
Net Interest Income
-1.94
+37.88%
-3.13
+81.01%
-16.47
+25.62%
-22.15
Interest Expense
1.94
-37.88%
3.13
-81.01%
16.47
-25.62%
22.15
Other Income Expense
-4.37
+68.17%
-13.73
+42.86%
-24.04
-323.74%
10.74
Other Non Operating Income Expenses
0.26
+178.79%
-0.33
+98.80%
-27.51
-349.90%
-6.11
Gain On Sale Of Security
—
0.01
-99.79%
6.54
-61.18%
16.86
Tax Provision
0.32
-18.46%
0.39
+34.95%
0.29
+3712.50%
-0.01
Tax Rate For Calcs
0.00
+0.00%
0.00
+0.00%
0.00
+129529.63%
0.00
Tax Effect Of Unusual Items
-0.97
+65.45%
-2.81
-486.14%
0.73
+26516.87%
0.00
Net Income Including Noncontrolling Interests
-17.53
+34.67%
-26.82
+49.48%
-53.10
-7.85%
-49.24
Net Income From Continuing Operation Net Minority Interest
-16.05
+51.54%
-33.13
+37.61%
-53.10
-7.85%
-49.24
Net Income From Continuing And Discontinued Operation
-17.53
+34.67%
-26.82
+49.48%
-53.10
-7.85%
-49.24
Net Income Continuous Operations
-16.05
+51.54%
-33.13
+37.61%
-53.10
-7.85%
-49.24
Net Income Discontinuous Operations
-1.47
-123.35%
6.30
—
—
Normalized Income
-12.40
+45.01%
-22.54
+59.63%
-55.84
+15.50%
-66.09
Net Income Common Stockholders
-17.53
+34.67%
-26.82
+49.48%
-53.10
-7.85%
-49.24
Diluted EPS
—
-140.25
+60.36%
-353.85
+6.39%
-378.00
Basic EPS
—
-140.25
+60.36%
-353.85
+6.39%
-378.00
Basic Average Shares
—
0.19
+27.46%
0.15
+15.24%
0.13
Diluted Average Shares
—
0.19
+27.46%
0.15
+15.24%
0.13
Diluted NI Availto Com Stockholders
-17.53
+34.67%
-26.82
+49.48%
-53.10
-7.85%
-49.24
Depreciation Amortization Depletion Income Statement
0.40
-80.26%
2.01
-21.23%
2.55
-87.79%
20.92
Depreciation And Amortization In Income Statement
0.40
-80.26%
2.01
-21.23%
2.55
-87.79%
20.92
Gain On Sale Of PPE
—
0.00
-100.00%
1.07
0.00
Line Item Trend 2022-12-31 2021-12-31
Total Assets
97.66
—
Current Assets
59.22
—
Cash Cash Equivalents And Short Term Investments
13.96
—
Cash And Cash Equivalents
13.96
—
Cash Financial
—
—
Receivables
8.58
—
Accounts Receivable
8.58
—
Gross Accounts Receivable
12.58
—
Allowance For Doubtful Accounts Receivable
-4.00
—
Inventory
0.30
+5.47%
0.29
Prepaid Assets
—
6.42
Restricted Cash
26.87
—
Other Current Assets
9.80
—
Total Non Current Assets
38.44
—
Net PPE
3.23
—
Gross PPE
3.45
—
Accumulated Depreciation
-0.22
-171.08%
-0.08
Properties
0.00
0.00
Land And Improvements
—
0.07
Buildings And Improvements
1.36
+4.50%
1.30
Machinery Furniture Equipment
0.40
+53.96%
0.26
Other Properties
1.70
—
Goodwill And Other Intangible Assets
33.49
—
Goodwill
26.75
—
Other Intangible Assets
6.74
—
Investments And Advances
1.52
0.00
Other Non Current Assets
1.72
—
Total Liabilities Net Minority Interest
99.58
—
Current Liabilities
36.74
—
Payables And Accrued Expenses
35.62
—
Payables
31.90
—
Accounts Payable
30.54
—
Current Accrued Expenses
3.72
—
Total Tax Payable
1.36
—
Current Debt And Capital Lease Obligation
0.53
—
Current Debt
0.01
-99.92%
18.73
Other Current Borrowings
0.01
-99.92%
18.73
Current Capital Lease Obligation
0.53
—
Other Current Liabilities
0.58
—
Total Non Current Liabilities Net Minority Interest
62.84
—
Long Term Debt And Capital Lease Obligation
62.84
—
Long Term Debt
61.73
—
Long Term Capital Lease Obligation
1.11
—
Stockholders Equity
-1.92
—
Common Stock Equity
-1.92
—
Capital Stock
0.01
—
Common Stock
0.01
—
Preferred Stock
0.00
—
Share Issued
0.14
—
Ordinary Shares Number
0.14
—
Treasury Shares Number
0.00
-100.00%
0.00
Additional Paid In Capital
97.49
—
Retained Earnings
-99.77
—
Gains Losses Not Affecting Retained Earnings
0.36
—
Treasury Stock
0.00
-100.00%
4.93
Other Equity Adjustments
0.36
—
Total Equity Gross Minority Interest
-1.92
—
Total Capitalization
59.81
—
Working Capital
22.48
—
Invested Capital
59.81
—
Total Debt
63.38
—
Net Debt
47.77
—
Capital Lease Obligations
1.64
—
Net Tangible Assets
-35.41
—
Tangible Book Value
-35.41
—
Current Notes Payable
0.00
0.00
Interest Payable
1.73
—
Inventories Adjustments Allowances
—
-0.00
Notes Receivable
0.00
0.00
Other Equity Interest
-0.01
+99.93%
-9.85
Other Inventories
—
0.29
Preferred Stock Equity
—
—
Line Item Trend 2025-12-31 2024-12-31 2023-12-31 2022-12-31
Operating Cash Flow
-23.04
-208.73%
21.19
-36.10%
33.16
+454.89%
-9.34
Cash Flow From Continuing Operating Activities
-23.04
-208.73%
21.19
-36.10%
33.16
+454.89%
-9.34
Net Income From Continuing Operations
-17.53
+34.67%
-26.82
+49.48%
-53.10
-7.85%
-49.24
Depreciation Amortization Depletion
0.49
-78.22%
2.26
-11.32%
2.55
-87.79%
20.92
Depreciation
—
—
—
20.92
Depreciation And Amortization
0.49
-78.22%
2.26
-11.32%
2.55
-87.79%
20.92
Other Non Cash Items
2.76
-42.71%
4.82
-87.49%
38.52
+73.90%
22.15
Stock Based Compensation
0.89
+42.47%
0.62
-66.32%
1.85
-37.59%
2.97
Asset Impairment Charge
1.83
-81.16%
9.70
0.00
—
Operating Gains Losses
6.50
+46550.00%
-0.01
+99.82%
-7.61
+54.84%
-16.86
Gain Loss On Investment Securities
—
-0.01
+99.79%
-6.54
+61.18%
-16.86
Gain Loss On Sale Of PPE
0.01
0.00
+100.00%
-1.07
0.00
Change In Working Capital
-17.99
-158.75%
30.62
-39.90%
50.95
+375.59%
10.71
Change In Receivables
0.05
-99.59%
12.53
+345.19%
-5.11
-97.68%
-2.58
Changes In Account Receivables
-0.04
+75.48%
-0.15
-152.19%
0.30
+121.73%
-1.37
Change In Inventory
—
—
—
-0.02
Change In Prepaid Assets
0.52
-22.44%
0.66
-89.89%
6.57
+526.77%
-1.54
Change In Payables And Accrued Expense
-0.85
-123.83%
3.56
+26.39%
2.81
-34.91%
4.33
Change In Accrued Expense
0.30
-83.84%
1.86
-29.06%
2.63
-17.00%
3.16
Change In Payable
-1.15
-167.79%
1.70
+796.83%
0.19
-83.72%
1.16
Change In Account Payable
-1.15
-167.79%
1.70
+796.83%
0.19
-83.72%
1.16
Change In Other Current Assets
-0.07
+55.00%
-0.16
+86.48%
-1.18
-19616.67%
-0.01
Change In Other Current Liabilities
-17.64
-225.70%
14.03
-70.69%
47.86
+355.03%
10.52
Investing Cash Flow
-76.35
-4122.90%
-1.81
-179.06%
2.29
+104.93%
-46.41
Cash Flow From Continuing Investing Activities
-76.35
-4122.90%
-1.81
-179.06%
2.29
+104.93%
-46.41
Net PPE Purchase And Sale
-0.07
-59.57%
-0.05
-101.87%
2.51
+1650.62%
-0.16
Purchase Of PPE
-0.08
-68.09%
-0.05
+56.48%
-0.11
+33.33%
-0.16
Sale Of PPE
0.00
0.00
-100.00%
2.62
0.00
Capital Expenditure
-1.40
+22.57%
-1.81
-1574.07%
-0.11
+83.69%
-0.66
Capital Expenditure Reported
-1.09
+33.94%
-1.65
0.00
—
Net Business Purchase And Sale
-74.95
0.00
+100.00%
-0.23
+99.51%
-45.75
Purchase Of Business
-74.95
0.00
+100.00%
-0.23
+99.51%
-45.75
Gain Loss On Sale Of Business
6.50
0.00
—
—
Net Intangibles Purchase And Sale
-0.23
-104.39%
-0.11
0.00
+100.00%
-0.50
Purchase Of Intangibles
-0.23
-104.39%
-0.11
0.00
+100.00%
-0.50
Net Other Investing Changes
—
—
—
-2.18
Financing Cash Flow
13.89
+5863.07%
-0.24
+91.99%
-3.01
+70.07%
-10.05
Cash Flow From Continuing Financing Activities
13.89
+5863.07%
-0.24
+91.99%
-3.01
+70.07%
-10.05
Net Issuance Payments Of Debt
2.00
+16725.00%
-0.01
+99.60%
-3.02
+49.75%
-6.00
Issuance Of Debt
15.00
0.00
—
0.00
Repayment Of Debt
-13.01
-108275.00%
-0.01
+99.60%
-3.02
+49.75%
-6.00
Long Term Debt Issuance
—
—
—
0.00
Long Term Debt Payments
-13.01
-108275.00%
-0.01
+99.60%
-3.02
+49.75%
-6.00
Net Long Term Debt Issuance
-13.01
-108275.00%
-0.01
+99.60%
-3.02
+49.75%
-6.00
Short Term Debt Issuance
15.00
0.00
—
—
Short Term Debt Payments
—
—
—
-6.00
Net Short Term Debt Issuance
15.00
0.00
—
-6.00
Net Common Stock Issuance
5.38
0.00
-100.00%
0.01
+100.17%
-4.06
Common Stock Payments
—
—
—
-4.06
Repurchase Of Capital Stock
—
—
—
-4.06
Proceeds From Stock Option Exercised
1.54
0.00
0.00
-100.00%
0.01
Net Other Financing Charges
-0.02
+89.52%
-0.23
—
—
Changes In Cash
-85.50
-546.67%
19.14
-40.99%
32.44
+166.09%
-49.08
Effect Of Exchange Rate Changes
0.90
+310.23%
-0.43
-1077.27%
0.04
-87.68%
0.36
Beginning Cash Position
92.03
+25.52%
73.32
+79.55%
40.83
-54.41%
89.56
End Cash Position
7.43
-91.92%
92.03
+25.52%
73.32
+79.55%
40.83
Free Cash Flow
-24.44
-226.10%
19.38
-41.36%
33.05
+430.33%
-10.01
Interest Paid Supplemental Data
0.15
-48.33%
0.30
-88.93%
2.71
-52.90%
5.75
Income Tax Paid Supplemental Data
0.76
-10.26%
0.85
+326.13%
0.20
0.00
Change In Interest Payable
0.00
-100.00%
0.37
-32.97%
0.55
+8.76%
0.50
Common Stock Issuance
5.38
0.00
-100.00%
0.01
0.00
Issuance Of Capital Stock
10.38
0.00
-100.00%
0.01
0.00
Net Preferred Stock Issuance
5.00
0.00
—
—
Other Cash Adjustment Inside Changein Cash
—
—
0.00
-100.00%
16.72
Preferred Stock Issuance
5.00
0.00
—
—
SEC Filings

Recent 10-K, 10-Q, 8-K, and Form 4 (insider) filings.

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