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Ryvyl Inc. RVYL

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3.81 USD 0.00 (+0.00%)

Jun 3, 2026, 9:30 AM EDT

3.81 Day range 4.23
0.142 52-week range 8.55
YTD
-31.96%
1 year
-84.22%

Financial health

Altman Z-Score

-1.83 Distress zone

Bankruptcy-risk model: below 1.81 distress, above 2.99 safe.

Piotroski F-Score

2 / 9 Weak

Nine pass/fail tests of profitability, leverage and efficiency.

Valuation

P/E -0.2×
FY 2016: 50.0×FY 2017: 50.8×FY 2018: -1619×FY 2019: -3.4×FY 2020: -31.7×FY 2021: -6.5×FY 2022: -0.4×FY 2023: -0.4×FY 2024: -0.3×FY 2025: -0.2×
FY 2016 5y median -0.4× FY 2025
P/S 0.3×
FY 2016: 1.7×FY 2017: 2.1×FY 2018: 60.7×FY 2019: 1.7×FY 2020: 22.9×FY 2021: 6.5×FY 2022: 0.6×FY 2023: 0.3×FY 2024: 0.2×FY 2025: 0.3×
FY 2016 5y median 0.3× FY 2025
P/B 5.1×
FY 2016: -4.7×FY 2017: -8.7×FY 2018: -327×FY 2019: -3.1×FY 2020: 507×FY 2021: 5.8×FY 2022: -10.9×FY 2023: 0.9×FY 2024: -5.8×FY 2025: 5.1×
FY 2016 5y median 0.9× FY 2025
P/FCF -0.1×
FY 2016: -47.0×FY 2017: 9.9×FY 2018: 903×FY 2019: -81.3×FY 2020: -46.9×FY 2021: -6.3×FY 2022: -2.2×FY 2023: 0.7×FY 2024: 0.4×FY 2025: -0.1×
FY 2016 5y median -0.1× FY 2025
EV/EBITDA 0.1×
FY 2016: 27.4×FY 2017: -14.1×FY 2018: -31.3×FY 2019: -4.2×FY 2020: -56.6×FY 2021: -5.5×FY 2022: -11.5×FY 2023: -0.9×FY 2024: -1.3×FY 2025: 0.1×
FY 2016 5y median -1.3× FY 2025
EV/Sales -0.1×
FY 2016: 2.0×FY 2017: 2.2×FY 2018: 61.1×FY 2019: 1.9×FY 2020: 23.1×FY 2021: 6.1×FY 2022: 2.1×FY 2023: 0.5×FY 2024: 0.5×FY 2025: -0.1×
FY 2016 5y median 0.5× FY 2025
FCF Yield -682.5%
FY 2016: -2.1%FY 2017: 10.1%FY 2018: 0.1%FY 2019: -1.2%FY 2020: -2.1%FY 2021: -16.0%FY 2022: -45.3%FY 2023: 151.3%FY 2024: 243.0%FY 2025: -682.5%
FY 2016 5y median -16.0% FY 2025

Profitability

Gross Margin 47.7%
FY 2016: 52.4%FY 2017: 49.8%FY 2018: 25.7%FY 2019: -10.9%FY 2020: 43.4%FY 2021: 61.7%FY 2022: 49.0%FY 2023: 39.0%FY 2024: 40.0%FY 2025: 47.7%
FY 2016 5y median 47.7% FY 2025
Operating Margin -84.6%
FY 2016: 6.6%FY 2017: 9.2%FY 2018: 0.7%FY 2019: -56.1%FY 2020: -59.9%FY 2021: -111.0%FY 2022: -115.0%FY 2023: -18.7%FY 2024: -37.3%FY 2025: -84.6%
FY 2016 5y median -84.6% FY 2025
Net Margin -157.5%
FY 2016: 3.4%FY 2017: 4.2%FY 2018: -3.8%FY 2019: -46.8%FY 2020: -58.7%FY 2021: -134.1%FY 2022: -149.6%FY 2023: -80.6%FY 2024: -47.9%FY 2025: -157.5%
FY 2016 5y median -134.1% FY 2025
ROE -2623.7%
FY 2016: -9.4%FY 2017: -17.1%FY 2018: 20.2%FY 2019: 87.3%FY 2020: -1299.8%FY 2021: -119.7%FY 2022: 2560.4%FY 2023: -226.0%FY 2024: 1797.9%FY 2025: -2623.7%
FY 2016 5y median -119.7% FY 2025
ROIC -248.2%
FY 2016: 11.0%FY 2017: -21.1%FY 2018: 0.4%FY 2019: 156.5%FY 2020: -286.0%FY 2021: -26.8%FY 2022: -61.5%FY 2023: -28.1%FY 2024: -106.7%FY 2025: -248.2%
FY 2016 5y median -61.5% FY 2025
ROA -133.8%
FY 2016: 47.0%FY 2017: 47.1%FY 2018: -4.6%FY 2019: -37.9%FY 2020: -40.8%FY 2021: -30.9%FY 2022: -50.4%FY 2023: -41.3%FY 2024: -21.9%FY 2025: -133.8%
FY 2016 5y median -41.3% FY 2025

Growth (YoY)

Revenue -80.1%
FY 2016: -19.1%FY 2017: 24.4%FY 2018: -57.3%FY 2019: 998.2%FY 2020: -14.8%FY 2021: 208.6%FY 2022: 25.1%FY 2023: 100.2%FY 2024: -15.0%FY 2025: -80.1%
FY 2016 FY 2025
Operating Income 54.9%
FY 2016: -67.9%FY 2017: 72.5%FY 2018: -96.8%FY 2019: -89526.2%FY 2020: 9.0%FY 2021: -472.2%FY 2022: -29.6%FY 2023: 67.5%FY 2024: -69.8%FY 2025: 54.9%
FY 2016 FY 2025
EPS (diluted) 79.1%
FY 2016: -80.0%FY 2017: 47.5%FY 2018: -135.6%FY 2019: -13788.9%FY 2020: -17.7%FY 2021: -215.5%FY 2022: -66.2%FY 2023: 6.4%FY 2024: 60.3%FY 2025: 79.1%
FY 2016 FY 2025
Free Cash Flow -209.3%
FY 2016: -126.2%FY 2017: 849.0%FY 2018: -86.7%FY 2019: -437.4%FY 2020: -1917.7%FY 2021: -555.7%FY 2022: 65.2%FY 2023: 447.7%FY 2024: -36.0%FY 2025: -209.3%
FY 2016 FY 2025

Financial Health

Current Ratio 1.1×
FY 2016: 0.6×FY 2017: 0.2×FY 2018: 1.1×FY 2019: 0.7×FY 2020: 1.0×FY 2021: 4.0×FY 2022: 1.6×FY 2023: 1.1×FY 2024: 0.9×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
Quick Ratio 1.1×
FY 2016: 0.6×FY 2017: 0.2×FY 2018: 2.6×FY 2019: 0.7×FY 2020: 1.0×FY 2021: 4.0×FY 2022: 1.6×FY 2023: 1.1×FY 2024: 0.9×FY 2025: 1.1×
FY 2016 5y median 1.1× FY 2025
Debt / Equity 4.7×
FY 2016: -1.0×FY 2017: -0.5×FY 2018: -3.8×FY 2019: -0.3×FY 2020: 3.6×FY 2021: 2.7×FY 2022: -33.0×FY 2023: 0.9×FY 2024: -14.1×FY 2025: 4.7×
FY 2016 5y median 0.9× FY 2025
Net Debt / EBITDA 0.3×
FY 2016: 4.7×FY 2017: -0.5×FY 2018: -0.2×FY 2019: -0.4×FY 2020: -0.4×FY 2021: 0.3×FY 2022: -8.1×FY 2023: -0.2×FY 2024: -0.9×FY 2025: 0.3×
FY 2016 5y median -0.2× FY 2025
Interest Coverage -4.8×
FY 2016: 5.1×FY 2017: 5.8×FY 2018: 0.1×FY 2019: -7.0×FY 2020: -3.4×FY 2021: -5.9×FY 2022: -1.7×FY 2023: -0.7×FY 2024: -6.7×FY 2025: -4.8×
FY 2016 5y median -4.8× FY 2025

Dividends

Dividend Yield 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025
Payout Ratio 0.0%
FY 2016: 0.0%FY 2017: 0.0%FY 2018: 0.0%FY 2019: 0.0%FY 2020: 0.0%FY 2021: 0.0%FY 2022: 0.0%FY 2023: 0.0%FY 2024: 0.0%FY 2025: 0.0%
FY 2016 5y median 0.0% FY 2025

Annual · latest fiscal year ends 2025-12-31