Ryvyl Inc. (RVYL) Financial Ratios
17 years of historical data (2008–2024) · Technology · Software - Infrastructure
EV/EBITDA
N/A
—
5yr avg: N/A
30Y Low0.2·High10.6
P/FCF
↓
0.06
↑+299% vs avg
5yr avg: 0.02
30Y Low0.0·High25.8
P/B Ratio
↓
N/A
—
5yr avg: 4.89
30Y Low0.0·High14.5
ROE
↑
-243.9%
↓+54% vs avg
5yr avg: -526.0%
30Y Low-492%·High-236%
Debt/EBITDA
N/A
—
5yr avg: N/A
30Y Low0.9·High10.3
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
RVYL Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
Ryvyl Inc. currently has a negative P/E ratio, indicating the company is operating at a loss on a trailing-twelve-month basis. On a free-cash-flow basis, the stock trades at 0.1x P/FCF, 299% above the 5-year average of 0.0x.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Market Cap | $1M | $248641 | $624220 | $598948 | $5M | $6M | $479478 | $2M | $130005 | $82546 | $123818 |
| Enterprise Value | $20M | $19M | $9M | $50M | $-4589117 | $7M | $2M | $2M | $284426 | $680394 | $416494 |
| P/E Ratio → | -0.05 | — | — | — | — | — | — | — | 1.45 | 1.43 | 0.43 |
| P/S Ratio | 0.02 | 0.00 | 0.01 | 0.02 | 0.19 | 0.65 | 0.05 | 1.73 | 0.06 | 0.05 | 0.06 |
| P/B Ratio | — | — | 0.03 | — | 0.17 | 14.49 | — | — | — | — | — |
| P/FCF | 0.06 | 0.01 | 0.02 | — | — | — | — | 25.81 | 0.28 | — | 0.53 |
| P/OCF | 0.06 | 0.01 | 0.02 | — | — | — | — | 17.09 | 0.28 | — | 0.47 |
P/E links to full P/E history page with 30-year chart
RVYL EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 0.33 | 0.13 | 1.52 | -0.17 | 0.82 | 0.23 | 2.13 | 0.13 | 0.40 | 0.20 |
| EV / EBITDA | — | — | — | — | — | — | — | 150.52 | 1.38 | 5.49 | 1.15 |
| EV / EBIT | — | — | — | — | — | — | — | — | — | 5.81 | 1.18 |
| EV / FCF | — | 0.89 | 0.27 | — | — | — | — | 31.68 | 0.62 | — | 1.78 |
RVYL Profitability
Margins and return-on-capital ratios measuring operating efficiency
Ryvyl Inc. earns an operating margin of -37.3%. Operating margins have expanded from -115.0% to -37.3% over the past 3 years, signaling improving operational efficiency. A negative ROE of -243.9% indicates the company is currently destroying shareholder equity.
Margins
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Gross Margin | 40.0% | 40.0% | 39.0% | 49.0% | 61.7% | 43.4% | -10.9% | 25.7% | 49.8% | 52.4% | 45.4% |
| Operating Margin | -37.3% | -37.3% | -18.7% | -115.0% | -111.0% | -59.9% | -56.1% | 0.7% | 9.2% | 6.6% | 16.7% |
| Net Profit Margin | -47.9% | -47.9% | -80.6% | -149.6% | -134.1% | -58.7% | -46.8% | -3.8% | 4.2% | 3.4% | 12.3% |
Return on Capital
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| ROE | -243.9% | -243.9% | -492.4% | -357.5% | -236.3% | -1299.8% | — | — | — | — | — |
| ROA | -21.4% | -21.4% | -46.9% | -46.5% | -55.9% | -40.6% | -71.4% | -7.3% | 57.2% | 34.3% | 170.0% |
| ROIC | -64.4% | -64.4% | -23.3% | -84.1% | -201.2% | — | — | 2.5% | — | — | — |
| ROCE | -67.5% | -67.5% | -23.6% | -50.2% | -64.7% | -953.8% | — | 6.9% | — | 957.5% | — |
RVYL Leverage & Debt
Solvency and debt-coverage ratios — lower is generally safer
Net debt stands at $18M ($21M total debt minus $3M cash).
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | 0.87 | — | 2.70 | 3.63 | — | — | — | — | — |
| Debt / EBITDA | — | — | — | — | — | — | — | 50.00 | 1.18 | 5.09 | 0.94 |
| Net Debt / Equity | — | — | 0.35 | — | -0.32 | 3.63 | — | — | — | — | — |
| Net Debt / EBITDA | — | — | — | — | — | — | — | 27.88 | 0.75 | 4.82 | 0.81 |
| Debt / FCF | — | 0.87 | 0.25 | — | — | — | — | 5.87 | 0.34 | — | 1.25 |
| Interest Coverage | -6.69 | -6.69 | -0.75 | -1.71 | -5.93 | -3.38 | -7.02 | 0.11 | 5.83 | 5.13 | 16.64 |
RVYL Liquidity & Efficiency
Short-term solvency ratios and asset-utilisation metrics
The current ratio of 0.92x is below 1.0, meaning current liabilities exceed current assets. The current ratio has declined from 1.61x to 0.92x over the past 3 years.
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Current Ratio | 0.92 | 0.92 | 1.05 | 1.61 | 3.98 | 1.02 | 0.69 | 1.14 | 0.16 | 0.56 | 0.30 |
| Quick Ratio | 0.92 | 0.92 | 1.05 | 1.60 | 3.97 | 1.02 | 0.69 | 2.58 | 0.17 | 0.56 | 0.30 |
| Cash Ratio | 0.03 | 0.03 | 0.14 | 0.38 | 3.67 | — | — | 0.43 | 0.13 | 0.29 | 0.08 |
| Asset Turnover | — | 0.46 | 0.51 | 0.34 | 0.23 | 0.70 | 0.81 | 1.21 | 11.24 | 13.94 | 9.91 |
| Inventory Turnover | 55.58 | — | — | 55.58 | 35.16 | — | — | — | — | — | — |
| Days Sales Outstanding | — | 7.59 | 75.88 | 95.20 | 92.84 | 432.57 | 2.56 | 20.04 | — | 6.30 | 20.20 |
RVYL Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
Ryvyl Inc. returns 17.7% to shareholders annually primarily through share buybacks.
Dividends
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 | FY 2018 | FY 2017 | FY 2016 | FY 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Earnings Yield | — | — | — | — | — | — | — | — | 68.8% | 70.0% | 233.3% |
| FCF Yield | 100.0% | 8503.8% | 5295.1% | — | — | — | — | 3.9% | 353.9% | — | 189.0% |
| Buyback Yield | 17.7% | 92.1% | 0.0% | 100.0% | 100.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Total Shareholder Yield | 17.7% | 92.1% | 0.0% | 100.0% | 100.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Shares Outstanding | — | $191262 | $150053 | $130206 | $116309 | $85340 | $79913 | $77448 | $72225 | $68788 | $68788 |
Peer Comparison
Compare RVYL with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 RVYLYou | $1M | -0.0 | — | 0.1 | 40.0% | -37.3% | -243.9% | -64.4% | — |
 PRTH | $451M | 8.1 | 6.9 | 6.0 | 21.4% | 14.8% | — | 13.4% | 5.1 |
 USIO | $36M | -14.0 | — | 33.7 | 23.1% | -2.6% | -13.6% | -12.0% | — |
 IIIV | $506M | 40.9 | 14.0 | 134.9 | 55.7% | 1.9% | 3.5% | 0.6% | 0.2 |
 FOUR | $4B | 43.4 | 9.5 | 7.6 | 34.2% | 8.4% | 8.0% | 6.3% | 5.9 |
 EVTC | $1B | 10.6 | 7.3 | 10.6 | 49.7% | 20.0% | 23.0% | 10.2% | 3.7 |
 FLYW | $2B | 161.2 | 47.8 | 21.4 | 61.4% | 1.8% | 1.6% | 2.1% | — |
 PAGS | $2B | 7.2 | 5.7 | 5.5 | 50.6% | 37.5% | 14.2% | 10.7% | 4.8 |
 V | $616B | 31.5 | 24.6 | 28.6 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
 MA | $443B | 30.3 | 22.0 | 26.2 | 83.4% | 59.2% | 209.9% | 56.5% | 0.9 |
 FIS | $24B | 63.0 | 7.7 | 10.0 | 36.9% | 16.5% | 2.6% | 6.0% | 1.1 |
| Technology Median | — | 27.7 | 17.5 | 19.2 | 48.5% | -0.6% | 2.4% | 2.9% | 2.9 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
Download Financial Ratios Data
Includes 30+ ratios · 17 years · Updated daily
See RVYL's True Return
Price is only half the story. See total return with reinvested dividends.
Launch CalculatorIs RVYL Undervalued?
DCF intrinsic value, peer multiples, and analyst estimates — see what the stock is really worth.
View ValuationCompare RVYL vs PRTH
Side-by-side business, growth, and profitability comparison vs Priority Technology Holdings, Inc..
Start ComparisonRVYL — Frequently Asked Questions
Quick answers to the most common questions about buying RVYL stock.
What is Ryvyl Inc.'s P/E ratio?
Ryvyl Inc.'s current P/E ratio is -0.0x. The historical average is 1.3x.
What is Ryvyl Inc.'s ROE?
Ryvyl Inc.'s return on equity (ROE) is -243.9%. The historical average is -332.5%.
Is RVYL stock overvalued?
Based on historical data, Ryvyl Inc. is trading at a P/E of -0.0x. Compare with industry peers and growth rates for a complete picture.
What are Ryvyl Inc.'s profit margins?
Ryvyl Inc. has 40.0% gross margin and -37.3% operating margin.