Ryvyl Inc.

Ryvyl Inc.

RVYL
Ryvyl Inc.US flagNASDAQ
3.81
USD
-0.34
- -
2.28MMarket Cap
Ryvyl Inc.
RVYL
(NASDAQ)

Recent

price

3.81

P/E

ratio

- -

div

yld

- -

ROIC.AI

2010
2011
2012
2013
2014
2015
2016
2017
2018
2019
2020
2021
2022
2023
2024
2025
TTM
FRC
19.01
136.1
118.91
323.97
405.65
308.13
249.42
- -
21.57
125.17
99.9
226.16
252.75
438.97
94.94
- -
52.07
Revenue per Share
-132.59
40.31
13.22
102.47
5.29
37.87
8.41
-20.26
-44.84
-58.62
-58.68
-303.29
-378.14
-353.88
-140.25
- -
-38.85
Basic EPS, GAAP
-95.3
-49.36
80.01
119.65
46.44
34.03
3.82
-16.97
-38.68
-2.58
-48.83
-199.18
-76.85
220.28
109.95
- -
-51.76
Free Cash Flow per Basic Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Dividend per Share
-202.22
-433.64
-148.7
-12.48
-4.35
33.52
41.93
-18.16
-44.2
-83.7
-137.03
-434.13
-766.23
-1,016.81
-937.98
- -
-436.4
Book Value per Share
-473.94
-433.64
-420.42
-182.33
-135.53
-97.66
-89.25
8.84
-21.77
-67.16
4.51
131.9
-271.99
-55.46
-115.81
- -
0.91
Tangible Book Value per Share
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Basic Weighted Avg Shares
- -
1
- -
2
3
2
2
- -
1
10
9
26
33
66
18
11
23
Sales/Revenue/Turnover
-539.31
48.13
31.47
35.73
15.87
16.68
6.61
- -
-187.91
-56.1
-59.87
-111.03
-114.98
-18.68
-87.44
-84.65
-24.98
Operating Margin (%)
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
1
21
3
2
- -
- -
Depreciation Expense
-1
- -
- -
1
- -
- -
- -
- -
-2
-5
-5
-35
-49
-53
-27
-18
-18
Net Income, GAAP
- -
- -
- -
- -
81.37
21.6
39.02
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Effective Tax Rate (%)
-697.33
29.62
11.11
31.63
1.3
12.29
3.37
- -
-207.87
-46.83
-58.74
-134.1
-149.61
-80.62
-147.72
-157.45
-74.6
Profit Margin (%)
-1
- -
- -
- -
-1
- -
-1
- -
-1
-6
- -
72
22
4
-8
1
1
Working Capital
- -
2
2
1
- -
- -
- -
- -
- -
- -
- -
60
63
20
20
2
2
LT Debt
-2
-2
-2
-1
-1
-1
-1
- -
-1
-5
- -
29
-2
23
-1
1
1
Total Equity
- -
-29.4
- -
- -
- -
- -
-61.54
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Invested Capital (%)
- -
-74.7
29.18
76.12
8.29
58.56
9.58
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Capital (%)
- -
- -
- -
- -
- -
- -
22.3
- -
- -
- -
- -
- -
- -
- -
- -
- -
- -
Return on Common Equity (%)

Capital Structure

FRC

in mil. unless spec.
Jun'25
Sep'25
Dec'25
ST Debt
1
1
1
LT Borrowings
1
1
1
LT Finance Leases
2
2
2
Preferred Equity and Hybrid Capital
- -
- -
- -
Shares Outstanding
- -
1
1
Market Capitalization
- -
- -
3

Working Capital

FRC

in mil. unless spec.
Jun'25
Sep'25
Dec'25
Total Current Assets
17
20
11
Cash, Cash Equivalents & STI
- -
1
7
Accounts Receivable, Net
1
1
1
Inventories
- -
- -
- -
Total Current Liabilities
25
24
10
Payables & Accruals
24
23
9
ST Debt
1
1
1
Deferred Revenue
- -
- -
- -

Growth Rates

FRC

in mil. unless spec.

(avg. rate of change)

10 years
5 years
1 year
Total Equity
451.6%
1,174.04%
-144.77%
Free Cash Flow
221.72%
-55.73%
-211.05%
Net Income, GAAP
156.24%
113.55%
-34.67%
Sales/Revenue/Turnover
- -
44.54%
-38.7%
Total Cash Common Dividend
- -
- -
- -

Quarterly Revenue

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
11
15
17
22
66
2024
17
3
3
15
18
2025
15
3
3
3
11

Quarterly Earnings Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
-53.49
-81.72
-20.85
- -
-353.88
2024
-15.72
-65.84
-26.58
- -
-140.25
2025
-11.67
-27.86
-2.39
- -
- -

Quarterly Dividends Per Share

FRC

in mil. unless spec.

Year

Q1
Q2
Q3
Q4
FY
2023
- -
- -
- -
- -
- -
2024
- -
- -
- -
- -
- -
2025
- -
- -
- -
- -
- -
Business
Ryvyl Inc. (RVYL) develops, markets and sells blockchain-based payment solutions and point-of-sale (POS) systems that enhance transaction processing security and efficiency across multiple industries. The company offers core products including the QuickCard Payment System, a physical and virtual payment card processing management platform with e-wallet on- and off-ramp capabilities; the Coyni Platform, a closed-loop ecosystem utilizing stablecoin and blockchain for custodial assurance; ChargeSavvy, a payment processing solution; and NEMS Core, which addresses gaps in merchant payment needs; alongside white-label platforms, APIs for merchant onboarding, KYC/KYB processes, treasury management services, automated clearing house and wire transfers. Ryvyl operates primarily in North America, where it generates the majority of revenue, with additional international activities in Europe and Asia through segments and subsidiaries such as RYVYL (EU), a principal member for credit and debit card processing. Founded in 2017 and headquartered in San Diego, California, the company targets merchants, businesses and consumers in retail, e-commerce, financial services and digital media sectors. In September 2025, Ryvyl announced a definitive merger agreement with privately-held RTB Digital Inc. (Roundtable), a Web3 digital media SaaS provider, to create a combined entity focused on blockchain-based digital asset infrastructure and decentralized media liquidity; the deal, expected to close by year-end pending approvals, includes over $30 million in Bitcoin contributed to the treasury and positions James Heckman as CEO of the rebranded Roundtable, marking a strategic shift toward Web3 innovation while maintaining legacy payment operations. Earlier developments include the completion of the Transact Europe acquisition and Generation 3 technology upgrades for high-volume processing exceeding $1 billion in volume.

Company News

APIChatGPT
  • RTB Debuts on Nasdaq: AI/DeFi Media Platform “Roundtable” to Trade as RTB

  • RTB Digital and Ryvyl Inc. Merger Consummates, Name Change and Ticker Changed to RTB

  • RTB Digital and Ryvyl Inc. Merger Consummates, Name Change and Ticker Changed to RTB

  • Roundtable Founders, Tech Platform Visionaries unite, to launch the Impossible. AI Powered, DeFi Media Platform at the “Possible” 2026 Media Conference

  • Roundtable Founders, Tech Platform Visionaries unite, to launch the Impossible. AI Powered, DeFi Media Platform at the “Possible” 2026 Media Conference

  • Roundtable CEO James Heckman Details NASDAQ Strategy, Long-Term Focus, Capitalization Structure, and Lock-Up

  • Ryvyl Shareholders OK RTB Digital Merger, Approve Name Change at Extraordinary General Meeting

  • Roundtable CEO James Heckman Clarifies Equity Status, Announces One Year Lock

  • Roundtable and RYVYL Announce Shareholders Approve Merger, with 99% of Votes Cast in Favor

  • RVYL Shareholder Meeting Continued to April 1, with 99% of Votes Cast in Favor of Roundtable Merger

  • RYVYL Inc. Announces Postponement of Special Meeting of Shareholders

  • Head-To-Head Analysis: Mastercard (NYSE:MA) & Ryvyl (NASDAQ:RVYL)

  • RYVYL ANNOUNCES NASDAQ COMPLIANCE AHEAD OF ANTICIPATED MERGER WITH ROUNDTABLE; S-4 FILED

  • Analyzing Ryvyl (NASDAQ:RVYL) and Loomis (OTCMKTS:LOIMF)

  • RYVYL and Roundtable Announce Public Filing of Registration Statement on Form S-4 and Proxy Statement/Prospectus in Connection with Proposed Merger

  • Head-To-Head Analysis: Loomis (OTCMKTS:LOIMF) vs. Ryvyl (NASDAQ:RVYL)

  • RYVYL Highlights Recent Developments for Merger Partner Roundtable that Advance Web3 Platform Traction

  • RYVYL Announces 1-for-35 Reverse Stock Split of Common Stock

  • Comparing Expensify (NASDAQ:EXFY) & Ryvyl (NASDAQ:RVYL)

  • RYVYL Announces Stockholder Approval of Annual Meeting Proposals; Reverse Stock Split Process Commences to Remedy Nasdaq Delisting Notice