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RVYL

BEARISH
$6.16 Live
Ryvyl Inc. · NASDAQ
$4.14 52W Range $81.55

At a glance

Key valuation, profitability, growth, and risk metrics.

Updated Apr 19, 2026
Market cap
$7.88M
P/E
N/A
ROE
N/A
Profit margin
-157.5%
Debt/Equity
4.68
Dividend yield
N/A

AI Analysis

AI-powered fundamental assessment

Confidence
95%
RVYL exhibits critical financial distress, highlighted by a Piotroski F-Score of 0/9, indicating the weakest possible fundamental health. The company suffers from severe insolvency risks, evidenced by a negative Price-to-Book ratio (-1.76) and a high Debt/Equity ratio of 4.68. A catastrophic Q/Q revenue decline of 81.02% combined with a profit margin of -157.45% suggests a failing business model. With a 5-year price collapse of 99.8%, the stock is currently in a state of fundamental and technical freefall.

Key Strengths

Positive Gross Margin (47.68%)
Low Price-to-Sales ratio (0.71)
Current Ratio slightly above 1.0 (1.11)
Recent EPS is less negative than historical extremes
Short-term 1-week price bounce (+17.1%)

Key Risks

Extreme insolvency risk (Negative Book Value)
Catastrophic Q/Q revenue collapse (-81.02%)
Severe operational losses (Profit Margin -157.45%)
High leverage (Debt/Equity 4.68)
Total lack of analyst coverage and institutional support

Performance Snowflake

Multi-dimensional analysis across 5 key categories

Overall
5
Weak
Value
10
Future
15
Past
0
Health
0
Dividend
0
AI Verdict
High Risk of Insolvency
Key drivers: Piotroski F-Score 0/9, Negative Equity, Revenue Collapse, Extreme Net Losses
Confidence
95%
Value
10/100

Graham Number cannot be calculated due to negative earnings and book value.

Positives
  • Low P/S ratio
Watchpoints
  • Negative P/B ratio
  • No earnings to support P/E
Future
15/100

Growth metrics are contradictory and trending sharply downward.

Positives
  • Slight YoY revenue growth (4.2%)
Watchpoints
  • Q/Q revenue growth -81.02%
  • Consistent earnings misses
Past
0/100

Historical price performance indicates a total loss of investor capital.

Positives
No standout positives identified.
Watchpoints
  • 5Y Change -99.8%
  • 1Y Change -82.2%
Health
0/100

The company fails every deterministic health check provided.

Positives
No standout positives identified.
Watchpoints
  • Piotroski F-Score 0/9
  • Debt/Equity 4.68
  • Negative ROA
Dividend
0/100

Dividend strength is 0/100.

Positives
No standout positives identified.
Watchpoints
  • No dividend history
  • Negative cash flow

Stock Price & Analyst Targets

Real-time price movements and analyst price targets

Current Price
$6.16

Multi-Horizon Performance vs Peers

Price momentum across 5Y → 1W horizons for RVYL and closest competitors.

Updated 2026-04-17
RVY
Ryvyl Inc.
Primary
5Y
-99.8%
3Y
-97.7%
1Y
-82.2%
6M
-45.0%
1M
+11.6%
1W
+17.1%
OLB
The OLB Group, Inc.
Peer
5Y
-99.0%
3Y
-94.9%
1Y
-53.8%
6M
-64.8%
1M
-20.7%
1W
+16.1%
PN
Skycorp Solar Group Ltd
Peer
5Y
-96.1%
3Y
-96.1%
1Y
-93.8%
6M
-77.9%
1M
-73.4%
1W
-16.8%
AMS
Amesite Inc.
Peer
5Y
-97.4%
3Y
-37.0%
1Y
-27.1%
6M
-51.8%
1M
-8.4%
1W
0.0%
SCK
Socket Mobile, Inc.
Peer
5Y
-85.9%
3Y
-48.6%
1Y
-19.1%
6M
0.0%
1M
+6.9%
1W
+5.7%

Positive values indicate cumulative gains over the specified period. Comparables pulled from the same sector to highlight whether momentum is stock-specific or industry-wide.

Historical Performance Trends

Long-term financial metrics and growth patterns

Revenue & Net Income

Profit & Operating Margins

Return on Equity (ROE)

Quarterly Revenue Growth

Historical data shows last 12 quarters (3 years)

Valuation Metrics

Key valuation ratios and pricing indicators

P/E Ratio
N/A
Forward P/E
22.0
PEG Ratio
N/A
P/B Ratio
-1.76
P/S Ratio
0.71
EV/Revenue
0.19
EV/EBITDA
-0.23
Market Cap
$7.88M

Profitability

Profit margins and return metrics

Profit Margin -157.45%
Operating Margin -78.55%
Gross Margin 47.68%
ROE N/A
ROA -8.7%

Growth

Revenue and earnings growth rates

Revenue Growth +4.2%
Earnings Growth N/A
Q/Q Revenue Growth -81.02%
Q/Q Earnings Growth N/A

Financial Health

Balance sheet strength and liquidity metrics

Debt/Equity
4.68
High debt
Current Ratio
1.11
Good
Quick Ratio
0.85
Poor
Cash/Share
$7.18

Financial Statement Flow

Interactive flow visualization showing how money moves through the company Q4 2025

Revenue
$0.0B
Gross Margin
47.5%
Op. Margin
-78.6%
Net Margin
-157.9%
Total Assets
$0.0B
Liabilities
$0.0B
Equity
$0.0B
Debt/Equity
18.61x
Operating CF
$-0.0B
CapEx
$-0.0B
Free Cash Flow
$-0.0B
FCF Yield
100%

Quarterly Earnings History

EPS performance vs analyst estimates

2025-11-14
$-1.84
+81.9% surprise
2025-11-13
$N/A
2025-08-14
$-24.2
-156.1% surprise
2025-05-20
$-11.55
-32.0% surprise

Technology Sector Comparison

Comparing RVYL against 436 companies in the Technology sector (37 bullish, 154 neutral, 245 bearish)
Profit Margin
-157.45%
This Stock
vs
-13.06%
Sector Avg
+1106.0% (Superior)
Debt to Equity
4.68
This Stock
vs
0.68
Sector Avg
+584.3% (Higher)
Revenue Growth
4.2%
This Stock
vs
5682.49%
Sector Avg
-99.9% (Slower)
Current Ratio
1.11
This Stock
vs
3.94
Sector Avg
-71.8% (Weaker)

Similar Companies

Peer comparison within the same industry

Past News Coverage

Recent headlines mentioning RVYL from our newsroom.

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