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Company Analysis

Ryvyl Inc. RVYL

A comprehensive view of key metrics, scores, and financial health for Ryvyl Inc.

Overview of Ryvyl Inc.

RVYL NCM
Technology Software - Infrastructure Micro Cap
Ryvyl Inc. (RVYL), is a Micro Cap company, in the Software - Infrastructure industry, last closed at $5.52, about 3206.3% undervalued vs fair value, -83.9% 1Y return, ranked 501/762 in sector.
$5.52
-1.43%
As of March 13, 2026
Previous close • Vol 90d: 125.9%
52-Week Range
Market Cap
$5.62M
Enterprise Value
$7.10M
Overall Score
Scores locked

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Top Beats

Quick Facts

Website https://www.ryvyl.com
HQ San Diego, CA
Employees 95
Fiscal year Dec 31

Next Events

No upcoming events available.

Fair Value Snapshot

Bear Base Bull
$163
$183
$205
Current: $5.52 +3206% vs base

Engine Room Money Flow™

Micro Cap

Corporate Free Cash Flow - Where revenue goes and how value is created

Flow Steps
Revenue
$56.0M
-15%%
Gross Profit
$22.4M
-12.8%%
Operating Income
$-9.5M
22.4%%
Net Income
$-26.8M
49.5%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Corporate Free Cash Flow

Quality & Reliability Indicators

Cash Conversion Ratio
-72.3%
Poor

FCF / Net Income - measures how well earnings convert to cash

Locked Metric
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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$3.2M
16.8% of FCF

Where It Leaks

Cash Flow Health critical
Significant cash flow inefficiencies identified. Multiple high-impact leaks require attention.
1
Active Leaks
0/1
Improving
0
High Impact
1
Critical
Moat Analysis Corporate Default

Competitive Advantage Assessment

Evaluating Ryvyl Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
37
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
26
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Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 88% Coverage
Trade-Off Triangle Visualization A ternary plot showing RVYL's balance between Growth (41.6%), Profitability (31.4%), and Safety (27.0%). Growth 42% Safety 27% Profitability 31%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

46th percentile vs peers
46
Key Signals
Revenue CAGR 3Y 28.6% 75p EPS Growth YoY 60.4% 70p Rev Growth YoY -15.0% 10p
Strengths
  • Fcf Margin in top 20% of peers (34.6%, 95th percentile)
  • Cash Flow To Debt Ratio in top 20% of peers (80.43, 98th percentile)
Risks
  • Rev Growth Yoy in bottom 20% of peers (-15.0%)

Profitability

34th percentile vs peers
35
Key Signals
Strengths
Risks
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Safety

29th percentile vs peers
30
Key Signals
Strengths
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Two Futures

Scenario-based fair value ranges for Ryvyl Inc..

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Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

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  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$182.51
- - -
+3206.3% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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