Ryvyl Inc. (RVYL)
Valuation Overview•Is Ryvyl Inc. Overvalued or Undervalued?
Trading at a discount to intrinsic cash flow value, implying pessimistic long-term market expectations.
Fragile underlying quality score of 30/100; weak margins or elevated debt leverage warrant caution.
Wall Street forecasts a balanced outlook with consensus price targets near the current price.
Verdict: Highly distressed profile flashing severe fundamental warning signs.
Wall Street sentiment is generally neutral alongside robust expected earnings growth. The company currently dilutes shareholders to fund operations and growth rather than returning capital.
RVYL struggles with subpar profitability and pressured margins. This is backed by a fortress balance sheet, holding significant net cash ($4M) and minimal debt risk.
The company is facing top-line contraction (-30.3% 3Y CAGR) paired with stable bottom-line earnings. However, profitability remains a major concern with severely compressed operating margins (-94.8%).
| Financial Metric | Trend (12Q) | Latest Qtr | 1Y Growth | 3Y CAGR | 5Y CAGR | 10Y CAGR |
|---|---|---|---|---|---|---|
| Revenue | $2.5M | -80.1% | -30.3% | +5.5% | +18.0% | |
| EBITDA | -$3.0M | — | +19.1% | — | — | |
| Net Income | -$3.3M | +34.7% | +29.1% | — | — | |
| EPS (Diluted) | $-2.67 | +86.8% | — | — | — | |
| Free Cash Flow | -$2.1M | -209.3% | -34.5% | -40.9% | — |
| Metric | TTM | 3Y Avg | 5Y Avg | 10Y Avg |
|---|---|---|---|---|
| Gross Margin | 46.4% | 42.3% | 47.5% | 39.8% |
| Operating Margin | -94.8% | -46.9% | -73.3% | -46.6% |
| Net Margin | -165.7% | -95.3% | -113.9% | -67.1% |
| FCF Margin | -110.7% | -39.9% | -50.5% | -27.9% |
| Quarter | EPS Est. | EPS Act. | Surprise | EPS | Rev |
|---|---|---|---|---|---|
| Q2'26Latest | $2.10 | $-2.67 | -227.1% | ||
| Q1'26 | $-2.80 | $-4.25 | -51.8% | ||
| Q4'25 | $-4.55 | $-2.45 | +46.2% | ||
| Q3'25 | $-0.27 | $-0.68 | -151.9% | ||
| Q2'25 | $-0.27 | $-0.29 | -7.4% | ||
| Q2'25 | $-0.26 | $-1.17 | -350.0% | ||
| Q4'24 | $-0.27 | $-0.53 | -96.3% | ||
| Q3'24 | $-0.96 | $-0.64 | +33.3% |
Total return is +344.1% (1Y), outperforming the benchmark by +323.2%
| Period | Total Return | vs S&P 500 (Alpha) | Dividend Contribution |
|---|---|---|---|
| YTD | -33.5% | -40.8% | — |
| 1Y | +344.1% | +323.2% | — |
| 3YCAGR | -15.0% | -34.3% | — |
| 5YCAGR | -50.2% | -62.0% | — |
| 10YCAGR | +7.8% | -9.0% | — |
The S&P 500 is at 30.6x trailing P/E — Expensive relative to historical averages.
Quick answers to common questions about Ryvyl Inc. (RVYL) valuation, health, and returns.
Ryvyl Inc. is estimated to be undervalued under our discounted cash flow framework. undervalued (implying +1108.9% upside to DCF intrinsic value of $46.06)
Ryvyl Inc. has multiple valuation anchors: DCF Intrinsic Value: $46.06. A convergence of these signals offers higher conviction.
Ryvyl Inc. displays weak financial health with a composite quality score of 30/100, supported by a Altman Z-Score of 100.0 (safe zone), Piotroski F-Score of 3/9, Return on Invested Capital (ROIC) of -105.9%.
Ryvyl Inc. does not return material capital to shareholders via dividends or share repurchases, electing to retain earnings to fund internal growth.
Ryvyl Inc.'s current growth trajectory is Decelerating. The company achieved -80.1% 1Y revenue growth and +86.8% 1Y EPS growth, compared to its 3Y revenue CAGR of -30.3%.
Wall Street consensus is Hold based on 1 analysts, beating EPS expectations in 17% of recent quarters with a -2-quarter streak. The consensus price target represents a N/A change from current levels.
Investment risks for Ryvyl Inc. include: -82.2% 1-year max drawdown, high beta (2.91x market volatility). Volatility risk is characterized by a beta of 2.91x.
No. These computations are purely quantitative model outputs for informational purposes. They do not account for qualitative management shifts or macro events. Always consult a licensed RIA before buying or selling shares.
Disclaimer: This page is for informational purposes only and does not constitute financial advice. All valuation models, scores, and target estimates are automated computations under stated assumptions and should not be relied upon as the sole basis for any investment decision.