Ryvyl (RVYL)
Market Price (3/21/2026): $5.36 | Market Cap: $4.4 MilSector: Industrials | Industry: Research & Consulting Services
Ryvyl (RVYL)
Market Price (3/21/2026): $5.36Market Cap: $4.4 MilSector: IndustrialsIndustry: Research & Consulting Services
Investment Highlights Why It Matters Detailed financial logic regarding cash flow yields vs trend-riding momentum.
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 37% | Weak multi-year price returns2Y Excs Rtn is -123%, 3Y Excs Rtn is -163% | Not profitable at operating income levelOp Inc LTMOperating Income, Last Twelve Months is -1.1 Mil, Op Mgn LTMOperating Margin = Operating Income / Revenue Reflects profitability before taxes and before impact of capital structure (interest payments). is -1.8% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and Crypto & Blockchain. Themes include Digital Payments, and Blockchain Enterprise Solutions. | Weak revenue growthRev Chg QQuarterly Revenue Change % is -1.6% | |
| Not cash flow generativeCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -6.7%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -10.0% | ||
| Valuation getting more expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 4917% | ||
| Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -450% | ||
| High stock price volatilityVol 12M is 3859% | ||
| Key risksRVYL key risks include [1] substantial doubt about its ability to continue as a going concern, Show more. |
| Strong revenue growthRev Chg LTMRevenue Change % Last Twelve Months (LTM) is 37% |
| Megatrend and thematic driversMegatrends include Fintech & Digital Payments, and Crypto & Blockchain. Themes include Digital Payments, and Blockchain Enterprise Solutions. |
| Weak multi-year price returns2Y Excs Rtn is -123%, 3Y Excs Rtn is -163% |
| Not profitable at operating income levelOp Inc LTMOperating Income, Last Twelve Months is -1.1 Mil, Op Mgn LTMOperating Margin = Operating Income / Revenue Reflects profitability before taxes and before impact of capital structure (interest payments). is -1.8% |
| Weak revenue growthRev Chg QQuarterly Revenue Change % is -1.6% |
| Not cash flow generativeCFO/Rev LTMCash Flow from Operations / Revenue (Sales), Last Twelve Months (LTM) is -6.7%, FCF/Rev LTMFree Cash Flow / Revenue (Sales), Last Twelve Months (LTM) is -10.0% |
| Valuation getting more expensiveP/S 6M Chg %Price/Sales change over 6 months. Declining P/S indicates valuation has become less expensive. is 4917% |
| Yield minus risk free rate is negativeERPEquity Risk Premium (ERP) = Total Yield - Risk Free Rate, Reflects the premium above risk free assets offered by the investment. is -450% |
| High stock price volatilityVol 12M is 3859% |
| Key risksRVYL key risks include [1] substantial doubt about its ability to continue as a going concern, Show more. |
Qualitative Assessment
AI Analysis | Feedback
Ryvyl (RVYL) stock has lost about 60% since 11/30/2025 because of the following key factors:
1. Nasdaq Compliance Issues Culminating in a Reverse Stock Split.
Ryvyl faced delisting warnings from Nasdaq throughout 2025 due to non-compliance with the minimum bid price rule. To address this, the company implemented a 1-for-35 reverse stock split, which became effective on January 1, 2026, with split-adjusted trading commencing on January 2, 2026. This measure, while necessary to maintain its Nasdaq listing, often negatively impacts investor confidence by signaling underlying operational challenges.
2. Persistent Unprofitability and Weak Financial Performance.
Ryvyl has demonstrated continued unprofitability, with reported earnings of -$20.0 million for the trailing 12 months ending September 30, 2025. The company's Q3 2025 revenue of $2.79 million fell below analyst expectations of $3 million. Furthermore, the company exhibits poor operational efficiency with an EBIT margin of -38%, a profit margin of -43.47%, and a negative book value per share of -$3.13.
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1. Nasdaq Compliance Issues Culminating in a Reverse Stock Split.
Ryvyl faced delisting warnings from Nasdaq throughout 2025 due to non-compliance with the minimum bid price rule. To address this, the company implemented a 1-for-35 reverse stock split, which became effective on January 1, 2026, with split-adjusted trading commencing on January 2, 2026. This measure, while necessary to maintain its Nasdaq listing, often negatively impacts investor confidence by signaling underlying operational challenges.
2. Persistent Unprofitability and Weak Financial Performance.
Ryvyl has demonstrated continued unprofitability, with reported earnings of -$20.0 million for the trailing 12 months ending September 30, 2025. The company's Q3 2025 revenue of $2.79 million fell below analyst expectations of $3 million. Furthermore, the company exhibits poor operational efficiency with an EBIT margin of -38%, a profit margin of -43.47%, and a negative book value per share of -$3.13.
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Stock Movement Drivers
Fundamental Drivers
The -57.6% change in RVYL stock from 11/30/2025 to 3/20/2026 was primarily driven by a -57.6% change in the company's P/S Multiple.| (LTM values as of) | 11302025 | 3202026 | Change |
|---|---|---|---|
| Stock Price ($) | 12.95 | 5.49 | -57.6% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 61 | 61 | 0.0% |
| P/S Multiple | 0.2 | 0.1 | -57.6% |
| Shares Outstanding (Mil) | 1 | 1 | 0.0% |
| Cumulative Contribution | -57.6% |
Market Drivers
11/30/2025 to 3/20/2026| Return | Correlation | |
|---|---|---|
| RVYL | -57.6% | |
| Market (SPY) | -4.8% | -0.7% |
| Sector (XLI) | 5.2% | -4.1% |
Fundamental Drivers
The -47.7% change in RVYL stock from 8/31/2025 to 3/20/2026 was primarily driven by a -63.0% change in the company's Shares Outstanding (Mil).| (LTM values as of) | 8312025 | 3202026 | Change |
|---|---|---|---|
| Stock Price ($) | 10.49 | 5.49 | -47.7% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 61 | 61 | -0.1% |
| P/S Multiple | 0.1 | 0.1 | 41.5% |
| Shares Outstanding (Mil) | 0 | 1 | -63.0% |
| Cumulative Contribution | -47.7% |
Market Drivers
8/31/2025 to 3/20/2026| Return | Correlation | |
|---|---|---|
| RVYL | -47.7% | |
| Market (SPY) | 1.1% | -1.0% |
| Sector (XLI) | 6.8% | -2.8% |
Fundamental Drivers
The -82.9% change in RVYL stock from 2/28/2025 to 3/20/2026 was primarily driven by a -76.1% change in the company's Shares Outstanding (Mil).| (LTM values as of) | 2282025 | 3202026 | Change |
|---|---|---|---|
| Stock Price ($) | 32.06 | 5.49 | -82.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 45 | 61 | 36.6% |
| P/S Multiple | 0.1 | 0.1 | -47.5% |
| Shares Outstanding (Mil) | 0 | 1 | -76.1% |
| Cumulative Contribution | -82.9% |
Market Drivers
2/28/2025 to 3/20/2026| Return | Correlation | |
|---|---|---|
| RVYL | -82.9% | |
| Market (SPY) | 10.4% | -0.4% |
| Sector (XLI) | 19.8% | -1.4% |
Fundamental Drivers
The -96.9% change in RVYL stock from 2/28/2023 to 3/20/2026 was primarily driven by a -91.0% change in the company's P/S Multiple.| (LTM values as of) | 2282023 | 3202026 | Change |
|---|---|---|---|
| Stock Price ($) | 175.00 | 5.49 | -96.9% |
| Change Contribution By: | |||
| Total Revenues ($ Mil) | 29 | 61 | 111.6% |
| P/S Multiple | 0.8 | 0.1 | -91.0% |
| Shares Outstanding (Mil) | 0 | 1 | -83.5% |
| Cumulative Contribution | -96.9% |
Market Drivers
2/28/2023 to 3/20/2026| Return | Correlation | |
|---|---|---|
| RVYL | -96.9% | |
| Market (SPY) | 70.3% | 0.2% |
| Sector (XLI) | 67.1% | -0.4% |
Price Returns Compared
| 2021 | 2022 | 2023 | 2024 | 2025 | 2026 | Total [1] | |
|---|---|---|---|---|---|---|---|
| Returns | |||||||
| RVYL Return | 8300% | -89% | -9% | -69% | -88% | -4% | -69% |
| Peers Return | -38% | -37% | 9% | 11% | -23% | -17% | -70% |
| S&P 500 Return | 27% | -19% | 24% | 23% | 16% | -3% | 76% |
Monthly Win Rates [3] | |||||||
| RVYL Win Rate | 33% | 17% | 58% | 42% | 42% | 33% | |
| Peers Win Rate | 37% | 37% | 57% | 50% | 52% | 27% | |
| S&P 500 Win Rate | 75% | 42% | 67% | 75% | 67% | 33% | |
Max Drawdowns [4] | |||||||
| RVYL Max Drawdown | 0% | -90% | -64% | -78% | -100% | -16% | |
| Peers Max Drawdown | -45% | -53% | -25% | -20% | -35% | -23% | |
| S&P 500 Max Drawdown | -1% | -25% | -1% | -2% | -15% | -3% | |
[1] Cumulative total returns since the beginning of 2021
[2] Peers: PYPL, FOUR, PSFE, MQ, WEX.
[3] Win Rate = % of calendar months in which monthly returns were positive
[4] Max drawdown represents maximum peak-to-trough decline within a year
[5] 2026 data is for the year up to 3/20/2026 (YTD)
How Low Can It Go
| Event | RVYL | S&P 500 |
|---|---|---|
| 2022 Inflation Shock | ||
| % Loss | -99.2% | -25.4% |
| % Gain to Breakeven | 11816.2% | 34.1% |
| Time to Breakeven | Not Fully Recovered days | 464 days |
| 2020 Covid Pandemic | ||
| % Loss | -78.0% | -33.9% |
| % Gain to Breakeven | 354.5% | 51.3% |
| Time to Breakeven | 327 days | 148 days |
| 2018 Correction | ||
| % Loss | -82.5% | -19.8% |
| % Gain to Breakeven | 471.4% | 24.7% |
| Time to Breakeven | 485 days | 120 days |
Compare to PYPL, FOUR, PSFE, MQ, WEX
In The Past
Ryvyl's stock fell -99.2% during the 2022 Inflation Shock from a high on 4/6/2021. A -99.2% loss requires a 11816.2% gain to breakeven.
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About Ryvyl (RVYL)
GreenBox POS, a technology company, engages in the development, marketing, and sale of blockchain-based payment solutions. Its blockchain-based systems facilitate, record, and store a volume of tokenized assets, representing cash or data, on a blockchain-based ledger. The company's products include QuickCard Payment System, a physical and virtual cash management system, including software that facilitates deposits, cash, and e-wallet management; point of sale solutions comprising software and hardware; and Loopz software solution, a mobile delivery service operations management solution with automated dispatch functionality. It serves customers in various industries, including foreign exchange, retail, and e-commerce sectors. The company was formerly known as ASAP Expo, Inc. GreenBox POS was incorporated in 2007 and is based in San Diego, California.
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A PayPal or Square (Block) for businesses looking to use blockchain for payments.
A Stripe for businesses looking to integrate blockchain into their payment and point-of-sale systems.
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```html- QuickCard Payment System: A physical and virtual cash management system that includes software for deposits, cash, and e-wallet management.
- Point of Sale Solutions: Comprehensive software and hardware designed to facilitate payment processing at the point of sale.
- Loopz Software Solution: A mobile delivery service operations management solution featuring automated dispatch functionality.
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Ryvyl (RVYL) primarily sells its blockchain-based payment solutions, point-of-sale solutions, and delivery service operations management solutions to other businesses. While specific major customer names are not publicly disclosed, based on the company's description, Ryvyl serves customers in the following business sectors:- Foreign Exchange
- Retail
- E-commerce
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James Heckman, Chief Executive Officer James Heckman is a serial entrepreneur known for founding Maven and holding senior leadership roles at Yahoo, Google, and News Corp. He has built and scaled over a dozen technology platforms, including Arena Group, which powered digital media for over 300 global brands. He will lead the combined company (RTB Digital, operating as Roundtable) following its merger with Ryvyl. Aly Madhavji, Chief Financial Officer Aly Madhavji will serve as the Chief Financial Officer of the merged Ryvyl and Roundtable company. He is a licensed Chartered Accountant (CA, CPA, CMA, CIM) with an MBA from INSEAD, where he was a Blockchain Fellow, and a Master's in Global Affairs from Tsinghua University. Described as a "legendary Web3 investor," he has experience managing over 200 blockchain investments. Madhavji is also a contributing analyst for leading crypto publications and the lead on Amazon Prime Video's series "Crypto Knights." His board seat at Roundtable will be his second NASDAQ service. George Oliva, Executive Vice President of Finance and Chief Accounting Officer George Oliva, who previously served as Ryvyl's CFO since October 2023 and as Interim CEO, will transition to Executive Vice President of Finance and Chief Accounting Officer for the combined entity. He possesses over 30 years of experience as a senior finance professional. Prior to Ryvyl, he was Chief Financial Officer and Corporate Secretary for WiSA Technologies, Inc. since 2019 and a partner with Hardesty LLC, where he provided financial consulting services to public and private companies nationwide. His background also includes roles as Interim Chief Financial Officer of SpineEx, Inc., Vice President of Finance of GameWorks (where he developed a restructuring plan in connection with an acquisition), and controller for Eva Automation (where he implemented purchase accounting for a $180 million acquisition). Bill Sornsin, Chief Operating Officer Bill Sornsin will serve as the Chief Operating Officer of the combined company. He is a long-time technology collaborator and co-founder with James Heckman, and a former senior product leader at Microsoft. Sornsin has also co-architected several global-scale platforms with Heckman. Brett Moyer, Board Member Brett Moyer is an independent director on the board of the new entity. He has served as a director since June 2025. Moyer was a founder of WiSA Technologies and served as its President and Chief Executive Officer from August 2010 to December 2024. He has also held the position of Chief Financial Officer of Datavault AI Inc. since December 2024 and previously served as president and chief executive officer of Focus Enhancements, Inc. Moyer's career includes experience as the vice president and general manager of the Commercial Products Division at Zenith Electronics Inc.AI Analysis | Feedback
The key risks to Ryvyl's business are primarily centered around its severe financial distress, a history of regulatory non-compliance and legal challenges, and the inherent volatility and execution risks associated with its strategic shifts in the fintech and blockchain sectors.
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Severe Financial Distress and Lack of Profitability
Ryvyl faces significant financial challenges, evidenced by a prolonged decline in earnings, with a 10.5% annual decrease over the past five years. The company has a low market capitalization, negative shareholders' equity, and its financial strength is rated as poor, with concerns regarding debt levels and liquidity. Ryvyl has reported a negative Earnings Per Share (EPS), substantial operating and net losses, and unsatisfactory cash flow generation. Its current and quick ratios indicate potential liquidity issues, and an Altman Z-Score suggests a high risk of bankruptcy within the next two years. These factors collectively highlight unsustainable financial operations and an urgent need for capital.
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Regulatory Non-Compliance, Legal Challenges, and Operational Execution Risks
Ryvyl has faced a class-action lawsuit alleging violations of the Securities Act of 1933, stemming from issues with internal controls and financial statements. The company was required to restate previously issued financial statements due to errors that overstated revenue, assets, and stockholders' equity, while understating losses. This history of financial reporting irregularities points to significant operational and governance risks. Furthermore, the company has undertaken strategic shifts, including a proposed reverse stock split to meet NASDAQ's minimum share price requirements. The success of its expansion plans into areas like Web3 and crypto treasury management is subject to considerable execution risks and relies on macroeconomic crypto cycles, adding a layer of speculative gamble to its future.
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Extreme Stock Volatility and Low Investor Confidence
Ryvyl's stock has experienced high volatility, with its share price being unstable compared to the broader US market. This volatility is further underscored by a high beta, indicating significant price fluctuations. The company's low institutional ownership, around 1.09%, and consistently negative analyst outlooks, including "Strong Sell" ratings from AI models, suggest limited confidence from major investors. This lack of strong investor conviction and the stock's unpredictable nature can hinder future capital-raising efforts and overall market stability for the company.
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The clear emerging threats for Ryvyl (RVYL) include:
- Major traditional payment networks and technology companies (e.g., Visa, Mastercard, PayPal, Block) are increasingly integrating blockchain technology and crypto capabilities directly into their mainstream payment infrastructure. This could lead to a commoditization of specialized blockchain payment solutions like Ryvyl's, as these larger entities leverage their vast existing merchant and consumer networks to offer integrated, widely adopted alternatives.
- The potential widespread adoption of Central Bank Digital Currencies (CBDCs) or highly regulated and universally accepted stablecoins could establish new standard digital payment rails. These foundational digital currencies might reduce the need for Ryvyl's proprietary intermediary blockchain ledger for tokenizing cash or data, thereby diminishing the demand for their core solutions.
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The addressable markets for Ryvyl's main products and services are substantial and span several rapidly growing sectors globally.- Blockchain and Digital Payment Solutions: The global FinTech blockchain market was valued at USD 0.48 trillion in 2024 and is projected to reach approximately USD 21.59 trillion by 2034, demonstrating a compound annual growth rate (CAGR) of 46.31% from 2025 to 2034. North America held 39% of this market in 2024. Similarly, the global Web3 payment solutions market was valued at USD 15.02 billion in 2025 and is anticipated to reach USD 174.57 billion by 2035, with a CAGR exceeding 27.8%. North America is expected to account for 37.5% of this market by 2035. The global cryptocurrency payment solutions market is also projected to reach USD 4,240.80 billion by 2034, growing at a CAGR of 31.0%. The broader global payment processing solutions market was estimated at USD 173.38 billion in 2025 and is projected to reach around USD 1051.93 billion by 2035, expanding at a CAGR of 19.76%. North America is expected to hold the largest market share, at 47% in 2025.
- Point of Sale (POS) Solutions (Software and Hardware): The global point-of-sale software market was an estimated USD 17.13 billion in 2025 and is forecast to reach USD 38.82 billion by 2033, with a CAGR of 10.8%. In 2025, North America accounted for 38.29% of the global revenue for POS software. For POS terminals, the global market was valued at USD 110.0 billion in 2024 and is expected to grow to USD 185.0 billion by 2032, at a CAGR of 7.7%. North America leads the POS terminals market, holding a 42.7% revenue share in 2024.
- Delivery Management Software (Loopz software solution): The global delivery management software market was valued at approximately USD 13.5 billion in 2025 and is projected to reach about USD 32.05 billion by 2032, growing at a CAGR of 11.2%. North America is identified as the fastest-growing region, holding a 38.5% market share.
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Ryvyl (NASDAQ: RVYL) anticipates several key drivers to fuel its future revenue growth over the next two to three years.
- Expansion of International Operations and Banking-as-a-Service (BaaS) / Payments-as-a-Service (PaaS) Offerings: Ryvyl is strategically expanding its global footprint, particularly in Europe, through its RYVYL EU segment. This international arm, which saw a 124% revenue increase in 2024 and is expected to contribute the largest portion of the company's revenue, is actively onboarding new clients across multiple jurisdictions. The company is also leveraging its Banking-as-a-Service (BaaS) and Payments-as-a-Service (PaaS) offerings, with plans to expand its Visa Direct integration to 80 countries.
- Growth in Processing Volume via Expanded Customer/Merchant Base and Partnership Network: A primary indicator of Ryvyl's growth is its increasing processing volume. The company saw a significant increase in processing volume in 2022 and 2023, driven by the expansion of its customer and merchant base, as well as a robust Independent Sales Organization (ISO) and partnership network. Ryvyl expects its total processing volume to exceed $5 billion in 2024, with international operations being a major contributor through growth across various verticals.
- Leveraging and Expanding Proprietary Technology and New Product Offerings: Ryvyl is focused on enhancing its technological capabilities and launching new services. The company has retained its wholly-owned subsidiary, Coyni, to leverage its technology platform for expanding payment processing and Banking-as-a-Service solutions into new vertical markets. Additionally, Ryvyl sees significant opportunities in PayFac-as-a-Service and is actively developing new offerings like Payments-as-a-Service (PaaS).
- Strategic Mergers and Acquisitions: The company has historically utilized strategic acquisitions, such as Transact Europe (now RYVYL EU), to contribute to revenue growth. Ryvyl explicitly intends to continue its merger and acquisition activities, with a current focus on the planned merger with RTB Digital. This merger is anticipated to inject fresh capital and diversify revenue streams, particularly through a Web3 media platform.
- Focus on High-Margin Verticals: Ryvyl is targeting and experiencing strong growth in high-margin sectors, particularly within its European operations in verticals such as gaming, adult, and cryptocurrency businesses. The company emphasizes its ability to capture gross margins of approximately 40% in these high-potential areas by providing advanced banking and payment technologies tailored to the evolving digital payments landscape.
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Share Repurchases
- On January 24, 2025, Ryvyl executed a Preferred Stock Repurchase and Note Repayment Agreement, which included a first tranche payment of $13 million for the redemption of all Series B Convertible Preferred Stock.
Share Issuance
- On October 6, 2025, Ryvyl sold 50,000 shares of Series C convertible preferred stock to RTB Digital, Inc. in a private placement.
- On December 30, 2025, Ryvyl increased its authorized shares from 100 million to 500 million.
- Pursuant to a court-approved settlement, Ryvyl became obligated to issue settlement shares of its common stock.
Inbound Investments
- On October 15, 2025, Roundtable (RTB Digital, Inc.) made a direct capital investment in Ryvyl to strengthen its balance sheet and secure NASDAQ listing compliance.
- An additional $33 million treasury capital raise was completed in conjunction with the merger with Roundtable.
Outbound Investments
- On October 1, 2025, Ryvyl announced a definitive $75 million merger agreement with privately held RTB Digital, Inc. ("Roundtable"), a Web3 digital media SaaS technology company.
Capital Expenditures
- In the last 12 months, capital expenditures for Ryvyl were -$89,000.
- The company is deploying Visa infrastructure in Europe as a crucial part of its growth strategy.
Trade Ideas
Select ideas related to RVYL.
| Date | Ticker | Company | Category | Trade Strategy | 6M Fwd Rtn | 12M Fwd Rtn | 12M Max DD |
|---|---|---|---|---|---|---|---|
| 02272026 | FOUR | Shift4 Payments | Dip Buy | DB | FCF Yield | Low D/EDip Buy with High Free Cash Flow YieldBuying dips for companies with significant free cash flow yield (FCF / Market Cap) and reasonable debt / market cap | 0.0% | 0.0% | 0.0% |
| 02272026 | EFX | Equifax | Monopoly | MY | Getting CheaperMonopoly-Like with P/S DeclineLarge cap with monopoly-like margins or cash flow generation and getting cheaper based on P/S multiple | 0.0% | 0.0% | 0.0% |
| 02202026 | LZ | LegalZoom.com | Dip Buy | DB | CFO/Rev | Low D/EDip Buy with High Cash Flow MarginsBuying dips for companies with significant cash flows from operations and reasonable debt / market cap | 7.2% | 7.2% | -5.0% |
| 02132026 | ADP | Automatic Data Processing | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | 1.1% | 1.1% | -3.0% |
| 02132026 | TREX | Trex | Dip Buy | DB | P/E OPMDip Buy with Low PE and High MarginBuying dips for companies with tame PE and meaningfully high operating margin | -3.2% | -3.2% | -5.9% |
Research & Analysis
Invest in Strategies
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Peer Comparisons
| Peers to compare with: |
Financials
| Median | |
|---|---|
| Name | |
| Mkt Price | 24.04 |
| Mkt Cap | 2.3 |
| Rev LTM | 2,181 |
| Op Inc LTM | 230 |
| FCF LTM | 186 |
| FCF 3Y Avg | 204 |
| CFO LTM | 345 |
| CFO 3Y Avg | 367 |
Growth & Margins
| Median | |
|---|---|
| Name | |
| Rev Chg LTM | 13.8% |
| Rev Chg 3Y Avg | 5.4% |
| Rev Chg Q | 5.0% |
| QoQ Delta Rev Chg LTM | 1.2% |
| Op Mgn LTM | 7.6% |
| Op Mgn 3Y Avg | 7.9% |
| QoQ Delta Op Mgn LTM | 0.2% |
| CFO/Rev LTM | 16.1% |
| CFO/Rev 3Y Avg | 17.1% |
| FCF/Rev LTM | 9.0% |
| FCF/Rev 3Y Avg | 13.5% |
Valuation
| Median | |
|---|---|
| Name | |
| Mkt Cap | 2.3 |
| P/S | 0.9 |
| P/EBIT | 6.0 |
| P/E | 3.8 |
| P/CFO | 5.4 |
| Total Yield | 1.8% |
| Dividend Yield | 0.0% |
| FCF Yield 3Y Avg | 7.2% |
| D/E | 0.8 |
| Net D/E | 0.2 |
Returns
| Median | |
|---|---|
| Name | |
| 1M Rtn | -0.7% |
| 3M Rtn | -22.9% |
| 6M Rtn | -41.4% |
| 12M Rtn | -44.7% |
| 3Y Rtn | -41.5% |
| 1M Excs Rtn | 5.2% |
| 3M Excs Rtn | -18.7% |
| 6M Excs Rtn | -37.8% |
| 12M Excs Rtn | -59.7% |
| 3Y Excs Rtn | -107.1% |
Price Behavior
Price Behavior
| Market Price | $5.49 | |
| Market Cap ($ Bil) | 0.0 | |
| First Trading Date | 01/20/2010 | |
| Distance from 52W High | -86.5% | |
| 50 Days | 200 Days | |
| DMA Price | $5.75 | $11.37 |
| DMA Trend | down | down |
| Distance from DMA | -4.5% | -51.7% |
| 3M | 1YR | |
| Volatility | 7,836.1% | 3,866.2% |
| Downside Capture | 309.51 | 193.91 |
| Upside Capture | 211.38 | -44.20 |
| Correlation (SPY) | -1.4% | -0.5% |
RVYL Betas & Captures as of 2/28/2026
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
| 1M | 2M | 3M | 6M | 1Y | 3Y | |
|---|---|---|---|---|---|---|
| Beta | 6.48 | -17.23 | -15.64 | -7.47 | -1.18 | 0.30 |
| Up Beta | 16.77 | 5.85 | 6.62 | 3.64 | 1.06 | 1.06 |
| Down Beta | 3.03 | 274.22 | 197.65 | 98.81 | 24.49 | 13.45 |
| Up Capture | 396% | 527% | 13% | 178% | -11% | 80% |
| Bmk +ve Days | 9 | 20 | 31 | 70 | 142 | 431 |
| Stock +ve Days | 9 | 18 | 23 | 54 | 111 | 327 |
| Down Capture | 447% | -20827% | 396% | 260% | 137% | 113% |
| Bmk -ve Days | 12 | 21 | 30 | 54 | 109 | 320 |
| Stock -ve Days | 12 | 23 | 38 | 70 | 140 | 410 |
[1] Upside and downside betas calculated using positive and negative benchmark daily returns respectively
Based On 1-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with RVYL | |
|---|---|---|---|---|
| RVYL | -84.1% | 3,858.5% | 0.96 | - |
| Sector ETF (XLI) | 22.3% | 19.1% | 0.93 | -1.6% |
| Equity (SPY) | 15.8% | 18.9% | 0.64 | -0.6% |
| Gold (GLD) | 48.2% | 27.0% | 1.45 | -0.3% |
| Commodities (DBC) | 17.8% | 17.4% | 0.83 | 3.8% |
| Real Estate (VNQ) | 1.0% | 16.4% | -0.11 | 1.4% |
| Bitcoin (BTCUSD) | -19.0% | 44.2% | -0.35 | 4.0% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 5-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with RVYL | |
|---|---|---|---|---|
| RVYL | -73.9% | 1,729.7% | 0.41 | - |
| Sector ETF (XLI) | 12.3% | 17.1% | 0.56 | 0.2% |
| Equity (SPY) | 11.8% | 17.0% | 0.54 | 0.9% |
| Gold (GLD) | 20.7% | 17.5% | 0.97 | -0.1% |
| Commodities (DBC) | 10.9% | 19.0% | 0.46 | 2.0% |
| Real Estate (VNQ) | 2.8% | 18.8% | 0.06 | 1.4% |
| Bitcoin (BTCUSD) | 4.7% | 56.7% | 0.30 | 1.8% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Based On 10-Year Data
| Annualized Return | Annualized Volatility | Sharpe Ratio | Correlation with RVYL | |
|---|---|---|---|---|
| RVYL | -54.2% | 1,614.7% | 0.40 | - |
| Sector ETF (XLI) | 13.5% | 19.8% | 0.60 | 1.1% |
| Equity (SPY) | 14.2% | 17.9% | 0.68 | 1.7% |
| Gold (GLD) | 13.3% | 15.7% | 0.70 | 0.3% |
| Commodities (DBC) | 8.3% | 17.6% | 0.39 | 2.1% |
| Real Estate (VNQ) | 5.0% | 20.7% | 0.21 | 1.9% |
| Bitcoin (BTCUSD) | 66.9% | 66.8% | 1.06 | 1.6% |
Smart multi-asset allocation framework can stack odds in your favor. Learn How
Earnings Returns History
Expand for More| Forward Returns | |||
|---|---|---|---|
| Earnings Date | 1D Returns | 5D Returns | 21D Returns |
| 2/28/2025 | 1.8% | -9.4% | 17.8% |
| 1/19/2024 | 1.8% | -1.6% | 6.1% |
| 10/26/2023 | 12.0% | -4.6% | 102.9% |
| 7/19/2023 | 7.8% | 40.2% | -7.5% |
| 11/12/2021 | -6.2% | -21.2% | -32.5% |
| SUMMARY STATS | |||
| # Positive | 4 | 1 | 3 |
| # Negative | 1 | 4 | 2 |
| Median Positive | 4.8% | 40.2% | 17.8% |
| Median Negative | -6.2% | -7.0% | -20.0% |
| Max Positive | 12.0% | 40.2% | 102.9% |
| Max Negative | -6.2% | -21.2% | -32.5% |
SEC Filings
Expand for More| Report Date | Filing Date | Filing |
|---|---|---|
| 09/30/2025 | 11/14/2025 | 10-Q |
| 06/30/2025 | 08/14/2025 | 10-Q |
| 03/31/2025 | 05/20/2025 | 10-Q |
| 12/31/2024 | 03/28/2025 | 10-K |
| 09/30/2024 | 11/14/2024 | 10-Q |
| 06/30/2024 | 08/13/2024 | 10-Q |
| 03/31/2024 | 05/14/2024 | 10-Q |
| 12/31/2023 | 03/26/2024 | 10-K |
| 09/30/2023 | 11/13/2023 | 10-Q |
| 06/30/2023 | 08/14/2023 | 10-Q |
| 03/31/2023 | 05/22/2023 | 10-Q |
| 12/31/2022 | 04/17/2023 | 10-K |
| 09/30/2022 | 11/21/2022 | 10-Q |
| 06/30/2022 | 08/15/2022 | 10-Q |
| 03/31/2022 | 05/16/2022 | 10-Q |
| 12/31/2021 | 03/31/2022 | 10-K |
Insider Activity
Expand for More| # | Owner | Title | Holding | Action | Filing Date | Price | Shares | Transacted Value | Value of Held Shares | Form |
|---|---|---|---|---|---|---|---|---|---|---|
| 1 | S8, Global Fintech & Regtech Fund | Direct | Buy | 7172025 | 0.36 | 200,000 | 71,180 | 1,282,964 | Form | |
| 2 | S8, Global Fintech & Regtech Fund | Direct | Sell | 7032025 | 0.83 | 100,000 | 82,740 | 2,817,169 | Form | |
| 3 | S8, Global Fintech & Regtech Fund | Direct | Buy | 7012025 | 0.79 | 100,000 | 79,460 | 2,773,435 | Form | |
| 4 | S8, Global Fintech & Regtech Fund | Direct | Buy | 7012025 | 0.80 | 14,491 | 11,590 | 2,803,175 | Form | |
| 5 | S8, Global Fintech & Regtech Fund | Direct | Buy | 6272025 | 0.77 | 3,354 | 2,583 | 2,533,573 | Form |
External Quote Links
| Y Finance | Barrons |
| TradingView | Morningstar |
| SeekingAlpha | ValueLine |
| Motley Fool | Robinhood |
| CNBC | Etrade |
| MarketWatch | Unusual Whales |
| YCharts | Perplexity Finance |
| FinViz |
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