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Home CompaniesRyvyl Inc

Ryvyl Inc

Technology Software - Infrastructure
PortfolioPortfolio WatchlistWatchlist
Company price
None USD 0.00(0%)
Last update at 2026-11-12T15:41:46.686982Z
Market Cap
5.76M

Momentum Score

…

Ryvyl Inc., a financial technology company, develops software platforms and tools that focuses on providing payment acceptance and disbursement capabilities in North America, Europe, and Asia. It offers dual-sided platform that enables businesses to accept payments from customers while distributing funds to vendors, employees, and partners; treasury management services; and payment solutions, including automated clearing house and wire transfer services. The company also provides IBAN issuance; foreign exchange; and electronic money institution services, as well as card issuing services, such as debit, credit, and virtual cards. It serves customers in various industries, including retail, e-commerce, financial services, logistics, healthcare, and other sectors. The company was formerly known as GreenBox POS and changed its name to Ryvyl Inc. in October 2022. Ryvyl Inc. is based in San Diego, California.

Source: TradingView
The charts and visual representations are sourced from TradingView through embedded widgets. For any issues with chart display, please visit the TradingView website

52 Week Price Range
0.68
Low
2.40
High

Momentum Score

…
Loading momentum score…

A unique technical analysis driven score developed by Kalkine showing momentum in stock prices based on select technical indicators identified.

Score - Rating
>= 1 - Low / > 1 but < 2 - Below Average / > 2 but < 3 - Average / > 3 but < 4 - Above Average / > 4 - High
AI Summary

Public information on Ryvyl Inc (NASDAQ: RVYL) is limited; the company’s core business, product offerings and industry exposure are not well-documented in accessible filings or analyst coverage. Because long-term growth drivers and competitive position cannot be reliably determined, some investors may find the stock attractive only for speculative upside if management discloses scalable revenue sources or distinctive assets going forward, so monitoring corporate filings and press releases appears warranted.

The principal investment risks are limited public disclosure, likely low liquidity and micro‑cap volatility, possible lack of established revenue or profitability, and execution or regulatory uncertainty.

Risk Score
High

Note: The summary and risk score provided above is created by AI and should not be construed as a recommendation of Kalkine.

Key Metrics*

Previous Close
-
Dividend Yield
-
Revenue TTM
56.00M
Revenue Per Share
8.37
Gross Profit TTM
22.43M
Debt / Equity
-14.12
ROE
-243.88%
Net Debt
18.47M
ROCE
-201.98%
Diluted EPS TTM
-4.01

Key Financials*

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Income before tax -49.24M -26.45M -5.01M -4.68M -0.05M
Net income -49.24M -26.45M -6.16M -4.88M -0.03M
Selling general administrative 25.43M 32.76M 7.32M 3.21M -
Selling and marketing expenses 1.34M 0.13M 0.09M 0.05M -
Gross profit 16.12M 16.89M 3.70M -1.09M -
Reconciled depreciation 20.92M 0.91M 0.02M 0.01M -
Ebit -37.84M -20.78M -5.10M -5.61M -1.71M
Ebitda -21.51M -20.02M -5.44M -6.20M 0.01M
Depreciation and amortization 16.32M 0.76M -0.34M -0.59M -
Operating income -37.84M -20.78M -5.10M -5.61M 0.01M
Other operating expenses 70.75M 47.09M 13.63M 15.61M 0.01M
Interest expense 23.27M 4.93M 1.15M 0.20M 0.06M
Tax provision -0.01M 0.00M 0.00M 0.00M -
Interest income - - 0.36M 0.60M 0.01M
Net interest income -23.27M -4.93M -1.51M -0.80M -0.05M
Income tax expense -0.01M 0.00M 1.16M 0.20M -0.02M
Total revenue 32.91M 26.30M 8.53M 10.00M 0.00M
Total operating expenses 53.96M 37.68M 8.80M 4.52M 0.01M
Cost of revenue 16.79M 9.41M 4.83M 11.09M -
Total other income expense net -11.41M -5.66M 0.10M 0.93M -0.06M
Net income from continuing ops -49.24M -26.45M -5.01M -4.68M -0.05M
Net income applicable to common shares -49.24M -26.45M -5.01M -4.68M -1.89M
Breakdown 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Type yearly yearly yearly yearly yearly
Date 2024-12-31 2023-12-31 2022-12-31 2021-12-31 2020-12-31
Total assets 122.28M 128.66M 97.66M 132.67M 12.26M
Intangible assets 1.80M 5.06M 6.74M 7.58M -
Other current assets 91.62M 2.85M 9.50M 6.42M 1.83M
Total liab 123.77M 105.17M 99.58M 87.17M 11.88M
Total stockholder equity -1.49M 23.49M -1.92M 45.51M 0.39M
Other current liab 99.08M 83.03M 5.92M 19.24M 0.07M
Common stock 0.01M 0.01M 0.05M 0.04M 0.03M
Capital stock 0.01M 0.01M 0.05M 0.04M 0.03M
Retained earnings -179.41M -152.58M -99.77M -38.18M -11.72M
Good will 18.86M 26.75M 26.75M 6.05M -
Other assets - -0.00M 0.20M 0.19M 0.08M
Cash 2.60M 73.32M 13.96M 89.56M -0.12M
Total current liabilities 103.54M 85.54M 36.74M 26.83M 11.73M
Current deferred revenue - - - 1.23M -
Net debt 18.47M -52.99M 49.15M -28.72M 1.52M
Short term debt 0.84M 0.69M 0.27M 0.50M 1.25M
Short long term debt - - 0.27M - 1.13M
Short long term debt total 21.07M 20.32M 63.11M 60.84M 1.40M
Other stockholder equity 179.16M 175.66M 96.20M 83.64M 12.08M
Property plant equipment - - 3.23M 3.17M 0.18M
Total current assets 95.38M 89.86M 59.22M 115.69M 12.01M
Long term investments - - 1.52M - -
Net tangible assets - - -35.41M 31.88M 0.39M
Net receivables 1.16M 13.69M 8.58M 19.42M 4.72M
Long term debt 17.36M 15.91M 61.73M 59.31M 0.15M
Inventory - - 0.30M 0.29M -
Accounts payable 3.52M 1.82M 30.54M 5.87M 10.41M
Accumulated other comprehensive income -1.25M 0.40M 1.60M - -
Non currrent assets other 2.64M 2.40M 0.20M 0.19M 0.08M
Non current assets total 26.89M 38.80M 38.44M 16.98M 0.26M
Capital lease obligations 3.70M 4.41M 1.11M 1.53M 0.12M
Breakdown 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Type yearly yearly yearly yearly yearly
Date 2022-12-31 2021-12-31 2020-12-31 2019-12-31 2018-12-31
Investments -47.65M -2.66M -0.01M -0.05M -0.81M
Change to liabilities 1.16M 0.44M -0.30M 0.39M 0.10M
Total cashflows from investing activities -47.65M -2.66M -0.01M -0.05M -0.03M
Net borrowings -6.00M 77.15M 2.34M 0.68M 0.92M
Total cash from financing activities -10.05M 116.06M 5.24M 0.68M 0.72M
Change to operating activities 10.24M -21.92M -3.27M 5.60M 0.24M
Net income -49.24M -26.45M -5.01M -4.68M -0.05M
Change in cash -48.73M 87.73M 1.07M 0.48M 0.20M
Begin period cash flow 89.56M 1.83M 0.76M 0.28M 0.09M
End period cash flow 40.83M 89.56M 1.83M 0.76M 0.28M
Total cash from operating activities -9.34M -27.17M -4.16M -0.17M 0.09M
Issuance of capital stock 0.00M 45.81M 2.86M 0.00M -
Depreciation 20.92M 0.91M 0.02M 0.01M 0.01M
Dividends paid -496.50M - - - -
Change to inventory -0.02M -0.16M -0.16M -0.16M -0.16M
Change to account receivables -0.67M -0.67M 0.06M -0.02M -0.05M
Sale purchase of stock -4.06M -10.63M - - -
Other cashflows from financing activities 0.01M 80.88M 5.67M 1.62M 0.72M
Change to netincome 11.27M 17.02M 3.25M 1.13M 1.13M
Capital expenditures 0.16M 0.16M 0.01M 0.05M 0.03M
Change in working capital 10.71M -21.64M -3.52M 3.18M 0.01M
Stock based compensation 2.47M 3.70M 3.04M 0.09M -
Other non cash items 5.79M 15.99M 2.37M 0.19M 0.04M
Free cash flow -9.51M -27.32M -4.17M -0.22M 0.09M

Peer Comparison*

Sector: Technology Industry: Software - Infrastructure

Stock Name
Change
(USD)
Price
(USD)
Trailing
PE (x)
Forward
PE (x)
Price Sales
TTM (x)
Price to Book Value (x)
Enterprise Value
to Revenue (x)
Enterprise Value
to EBITDA (x)
MSFT
Microsoft Corporation		 3.35
0.64%		 524.47 37.32 29.94 13.03 12.45 13.06 24.59
ORCL
Oracle Corporation		 -2.83
2.20%		 125.56 21.96 17.89 5.91 7.08 7.82 14.89
CRWD
Crowdstrike Holdings Inc		 -4.88
2.13%		 224.19 4849.80 188.68 46.01 47.24 43.89 559.34
FTNT
Fortinet Inc		 -0.67
0.52%		 127.43 60.27 43.86 16.80 80.50 16.11 43.33

Profile*

Ryvyl Inc

Ryvyl Inc., a financial technology company, develops software platforms and tools that focuses on providing payment acceptance and disbursement capabilities in North America, Europe, and Asia. It offers dual-sided platform that enables businesses to accept payments from customers while distributing funds to vendors, employees, and partners; treasury management services; and payment solutions, including automated clearing house and wire transfer services. The company also provides IBAN issuance; foreign exchange; and electronic money institution services, as well as card issuing services, such as debit, credit, and virtual cards. It serves customers in various industries, including retail, e-commerce, financial services, logistics, healthcare, and other sectors. The company was formerly known as GreenBox POS and changed its name to Ryvyl Inc. in October 2022. Ryvyl Inc. is based in San Diego, California.

3131 Camino Del Rio North, San Diego, CA, United States, 92108

619 631 8261

https://www.ryvyl.com

95

Name Title Year Born
Mr. Ben Errez Chairman, Exec. VP, Principal Financial Officer & Principal Accounting Officer 1961
Mr. Fredi Nisan CEO & Director 1982
Mr. J. Drew Byelick Chief Financial Officer 1957
Mr. Min Wei Chief Operating Officer 1975
Mr. Robert Jaquette Houghton Jr. Chief Technology Officer NA
Ms. Lindsey-Shannon Lee Board Sec. and VP of Corp. & Legal 1984
Ms. Jacqueline B. Dollar Chief Marketing Officer 1966
Mr. Bryan Rowland Head of Risk Management NA
Mr. Dennis Croup Sr. VP of Payments NA
Mr. Paul Levine CEO & Co-Founder of Coyni Stablecoin Spinoff NA

Disclaimer - (*)This information, including any data, is sourced from Unicorn Data Services SAS, trading as EOD Historical Data (“EODHD”) on an ‘as is’ basis, using their API. We cannot guarantee the completeness or validity of the information and data provided on this page, as well as via the API. In some cases, the data may include analyst ratings or recommendations sourced through the EODHD API, which are intended solely for general information purposes.
This information does not consider your personal objectives, financial situation, or needs. Kalkine is not liable for any errors or omissions in the information provided or for any actions taken in reliance on it. You should seek advice from a financial adviser, stockbroker or other professional adviser (including taxation and legal advice) as necessary before acting on this information.

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