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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 Framework: Software & SaaS Micro Cap
Ryvyl Inc. (RVYL), is a Micro Cap company, in the Software - Infrastructure industry, last closed at $4.65, about 3066.7% undervalued vs fair value, -81.0% 1Y return, ranked 508/770 in sector.
USD 4.65
17.72%
(Delayed)
• Vol 90d: 128.4%
52-Week Range
Market Cap
$8.60M
Enterprise Value
$10.08M
Overall Score
View breakdown
Overall
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Weak
Growth
Weak
Profitability
Weak
Health
Weak
Efficiency
Good
Valuation
Weak
Completeness: 82%
Confidence: 88%
Updated: Mar 8
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
$131
$147
$166
Current: $4.65 +3067% vs base

Engine Room Money Flow™

Micro Cap

Software & SaaS - Where revenue goes and how value is created

Flow Steps
Total Revenue
$56.0M
-15%%
Gross Profit
$22.4M
-12.8%%
Operating Income (GAAP)
$-9.5M
22.4%%
Operating Cash Flow
$21.2M
-36.1%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Software & SaaS

Quality & Reliability Indicators

Gross Margin
40.0%
Fair

Gross Profit / Revenue — pricing power and product moat (SaaS benchmark: >70%)

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Owner's Pocket - Capital Allocation

Total Returned to Shareholders

Combined dividends, buybacks, and debt reduction

$7.1M
21.4% 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 Software & SaaS Specialized

Competitive Advantage Assessment

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

Overall Moat Strength
48
/100
Developing
Scores based on quantitative metrics and qualitative factors

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Pricing Power

Developing
27
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For informational purposes only. Not investment advice.

Trade-Off Ledger™

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

Software SaaS vs Industry Peers 81% Coverage
Trade-Off Triangle Visualization A ternary plot showing RVYL's balance between Growth (33.4%), Profitability (38.0%), and Safety (28.6%). Growth 33% Safety 29% Profitability 38%

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% 80p EPS Growth YoY 60.4% 67p Rev Growth YoY -15.0% 13p
Strengths
  • Revenue CAGR 3Y in top 20% of peers (28.6%, 80th percentile)
  • FCF Margin in top 20% of peers (34.6%, 94th percentile)
  • Cash Flow to Debt Ratio in top 20% of peers (80.43, 99th percentile)
  • Operating Cash Flow Margin in top 20% of peers (37.8%, 93th percentile)
Risks
  • Rev Growth YoY in bottom 20% of peers (-15.0%)

Profitability

52th percentile vs peers
53
Key Signals
Strengths
Risks
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Safety

39th percentile vs peers
40
Key Signals
Strengths
Safety drilldowns are available to premium members.

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
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Bear
-
- - -
- upside
-
Base
$147.25
- - -
+3066.7% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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