Ryvyl Inc. Common Stock (RVYL)
FairStock Score: 29/100 — RISKY
Key Financials
| Current Price | $14.96 |
| Market Cap | $8M |
| P/E Ratio | -0.56 |
| ROE | —% |
| Dividend Yield | —% |
| Sector | Technology |
AI Analysis
AI-generated, general educational analysis — not personal investment advice.
I approach Ryvyl as a Graham-style bargain hunter, and the numbers quickly turn me cautious. At the 2026-07-13 close of $14.96, FairStock's calculation puts the market cap at just $7.6 million, yet the business is shrinking and losing money. In the 2025 fourth quarter, revenue was $2.8 million and net income was -$4.4 million, a -157.89% margin. The supplied revenue-growth metric is -81.02%, while the profit-growth metric is +35.63%; even if that improvement is real, the company still reported a large quarterly loss. The balance sheet looks fragile. FairStock calculations show a debt-to-equity ratio of 4.70, return on capital employed of -8.70%, and trailing free cash flow of -$24.4 million. That is a -322.1% FCF yield against the $7.6 million market cap. The Altman Z-score is -20.91 and the Piotroski score is 2/9, both warning of acute financial distress. The P/E is -0.56 and P/B is 23.38 at the close, so book value offers little support. The beta of 2.72 and 52-week range of $3.25 to $20.75 suggest a speculative, volatile security. Ryvyl describes a payments platform with acceptance, disbursement, treasury, ACH/wire, and IBAN services across three continents. But with 15 employees, no Lynch category because only 0 years of filed results exist, and a FairStock score of 29/100, I cannot identify a durable moat or a margin of safety. This is not the kind of predictable, cash-generative business I want to own.
In plain English: The company sells payment software that helps businesses accept and send money. In its latest reported quarter, revenue was small and it lost more than it earned, while revenue has been shrinking sharply, so the business looks weak. At the recent price, the shares look expensive compared with those weak numbers.
The full AI analysis, bull and bear case and key monitorables are in FairStock Pro.
Data as of 2026-07-13 close · note generated 2026-10-15 · model deepseek-flash
Fundamentals from company filings and market-data providers; prices are end-of-day, not real-time. AI-generated analysis is general and educational — not personal investment advice. Scoring methodology · Score test · Disclaimer