Ryvyl Inc - Understand $rvyl stock

$RVYL Market Cap: $13.66 Million

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Financial Snapshot

Revenue

$68.40M

TTM

Gross Margin

38.77%

TTM

Net Earnings

-$47.92M

TTM

Current Assets

$79.50M

Q2 2024

Current Liabilities

$79.66M

Q2 2024

Current Ratio

99.8%

Q2 2024

Total Assets

$109.0M

Q2 2024

Total Liabilities

$100.4M

Q2 2024

Book Value

$8.629M

Q2 2024

Cash

$6.387M

Q2 2024

P/E

-0.2851

Nov 12, 2024 EST

Free Cash Flow

$11.77M

TTM

Revenues

Revenue YoY Change

Revenues

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Revenue	$65.87M	$32.91M	$26.30M	$8.530M	$10.00M	$910.0K	$0.00	$1.720M	$2.120M	$2.790M	$1.720M
YoY Change	100.15%	25.11%	208.38%	-14.7%	998.9%		-100.0%	-18.87%	-24.01%	62.21%

Expenses

Cost Of Revenues

Gross Profit

Gross Profit Margin

Gross Profit

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Revenue	$65.87M	$32.91M	$26.30M	$8.530M	$10.00M	$910.0K	$0.00	$1.720M	$2.120M	$2.790M	$1.720M
Cost Of Revenue	$40.16M	$16.79M	$9.412M	$4.830M	$11.09M	$670.0K		$820.0K	$1.160M	$1.850M	$650.0K
Gross Profit	$25.71M	$16.12M	$16.89M	$3.700M	-$1.090M	$240.0K		$900.0K	$960.0K	$940.0K	$1.070M
Gross Profit Margin	39.04%	48.99%	64.22%	43.38%	-10.9%	26.37%		52.33%	45.28%	33.69%	62.21%

Selling, General & Admin Expense

Research & Development

Depreciation, Depletion & Amortization

SGA Expense to Gross Profit Ratio

R&D To Gross Profit Ratio

DDA To Gross Profit Ratio

Operating Expenses Total

Operating Profits/Loss

Operational Expenses

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Selling, General & Admin	$29.70M	$26.77M	$32.89M	$7.420M	$3.250M	$1.570M		$780.0K	$610.0K	$500.0K	$450.0K
YoY Change	10.96%	-18.62%	343.32%	128.31%	107.01%			27.87%	22.0%	11.11%
% of Gross Profit	115.53%	166.04%	194.73%	200.54%		654.17%		86.67%	63.54%	53.19%	42.06%
Research & Development	$5.757M	$6.276M	$3.870M	$1.360M	$1.260M	$380.0K
YoY Change	-8.27%	62.17%	184.56%	7.94%	231.58%
% of Gross Profit	22.39%	38.93%	22.91%	36.76%		158.33%
Depreciation & Amortization	$2.553M	$20.92M	$912.7K	$20.00K	$10.00K	$10.00K		$10.00K	$10.00K	$10.00K	$0.00
YoY Change	-87.79%	2191.81%	4463.4%	100.0%	0.0%			0.0%	0.0%
% of Gross Profit	9.93%	129.74%	5.4%	0.54%		4.17%		1.11%	1.04%	1.06%	0.0%
Operating Expenses	$38.01M	$53.96M	$37.68M	$8.800M	$4.520M	$1.950M	$0.00	$780.0K	$610.0K	$500.0K	$460.0K
YoY Change	-29.55%	43.22%	328.15%	94.69%	131.79%		-100.0%	27.87%	22.0%	8.7%
Operating Profit	-$12.30M	-$37.84M	-$20.78M	-$5.100M	-$5.610M	-$1.710M		$120.0K	$350.0K	$440.0K	$610.0K
YoY Change	-67.49%	82.05%	307.54%	-9.09%	228.07%			-65.71%	-20.45%	-27.87%

Interest Expenses

Interest Expenses To Operating Income %

Other Expense/Income

Interest & Other Expense/Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Interest Expense	-$9.930M	-$6.410M	-$5.515M	-$2.530M	-$1.850M	-$110.0K	$0.00	-$20.00K	-$20.00K	-$30.00K	-$70.00K
YoY Change	54.91%	16.22%	118.0%	36.76%	1581.82%		-100.0%	0.0%	-33.33%	-57.14%
% of Operating Profit								-16.67%	-5.71%	-6.82%	-11.48%
Other Income/Expense, Net	-$40.51M	-$11.41M	$215.3K	$2.630M	$2.780M	$0.00		$20.00K	$0.00	$0.00
YoY Change	255.16%	-5396.82%	-91.81%	-5.4%

Income/Loss

Pretax Income

Income Tax

Net Profits/Loss

Pretax Income YoY Change

Income Tax Rate

Net Profits/Loss YoY Change

Basic EPS

Net Income To Revenue Ratio

Pretax & Net Income

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Pretax Income	-$52.81M	-$49.24M	-$26.45M	-$5.010M	-$4.680M	-$1.890M	$0.00	$90.00K	$330.0K	$200.0K	$540.0K
YoY Change	7.24%	86.19%	427.92%	7.05%	147.62%		-100.0%	-72.73%	65.0%	-62.96%
Income Tax	$289.0K	-$8.703K	$4.910K	$0.00	$0.00	$0.00		$40.00K	$70.00K	$160.0K	$0.00
% Of Pretax Income								44.44%	21.21%	80.0%	0.0%
Net Earnings	-$53.10M	-$49.24M	-$26.45M	-$5.010M	-$4.680M	-$1.890M	$90.00K	$60.00K	$260.0K	$40.00K	$540.0K
YoY Change	7.85%	86.12%	428.01%	7.05%	147.62%	-2200.0%	50.0%	-76.92%	550.0%	-92.59%
Net Earnings / Revenue	-80.62%	-149.61%	-100.57%	-58.73%	-46.8%	-207.69%		3.49%	12.26%	1.43%	31.4%
Basic Earnings Per Share
Diluted Earnings Per Share	-$10.11	-$10.80	-$649.8K	-$167.7K	-$27.89K	-$21.32K	$6.228K	$4.152K	$17.99K	$2.768K	$19.39K

Assets & Liabilities

Cash & Short-Term Investments

Cash & Equivalents

Cash To Operating Expenses Ratio

Inventory

Receivables

Total Short-Term Assets

Property, Plant And Equipment

Long-Term Investments

Total Long-Term Assets

Total Assets

Net Income To Total Assets Percentage

Accounts Payable

Short-Term Debt

Long Term Debt Due

Total Short-Term Liabilities

Long-Term Debt

Other Long-Term Liabilities

Total Long-Term Liabilities

Total Liabilities

Short-Term To Long-Term Debt Ratio

Short-Term Assets To Debt Ratio

Long-Term Debt To Net Income Ratio

Assets & Liabilities

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Cash & Short-Term Investments	$12.18M	$14.00M	$89.56M	$0.00	$0.00	$50.00K	$90.00K	$30.00K	$50.00K	$40.00K	$210.0K
YoY Change	-13.0%	-84.37%			-100.0%	-44.44%	200.0%	-40.0%	25.0%	-80.95%
Cash & Equivalents	$12.18M	$14.00M	$89.56M	$0.00	$0.00	$50.00K
Short-Term Investments
Other Short-Term Assets	$63.99M	$36.40M	$6.421M	$1.900M	$800.0K	$280.0K					$0.00
YoY Change	75.8%	466.92%	237.93%	137.5%	185.71%
Inventory		$300.0K	$286.4K
Prepaid Expenses
Receivables	$859.0K	$1.200M	$481.7K	$2.800M	$2.850M	$50.00K
Other Receivables	$12.83M	$7.400M	$18.94M	$7.300M	$8.420M	$630.0K
Total Short-Term Assets	$89.87M	$59.20M	$115.7M	$12.01M	$12.08M	$1.000M	$110.0K	$60.00K	$160.0K	$60.00K	$220.0K
YoY Change	51.8%	-48.83%	863.28%	-0.58%	1108.0%	809.09%	83.33%	-62.5%	166.67%	-72.73%
Property, Plant & Equipment	$4.585M	$3.200M	$3.165M	$180.0K	$300.0K	$30.00K	$80.00K	$60.00K	$50.00K	$30.00K	$20.00K
YoY Change	43.28%	1.1%	1658.36%	-40.0%	900.0%	-62.5%	33.33%	20.0%	66.67%	50.0%
Goodwill
YoY Change
Intangibles
YoY Change
Long-Term Investments		$1.500M	$0.00
YoY Change
Other Assets	$2.403M	$200.0K	$190.6K	$80.00K
YoY Change	1101.5%	4.91%	138.3%
Total Long-Term Assets	$38.80M	$38.50M	$16.98M	$250.0K	$300.0K	$30.00K	$80.00K	$60.00K	$50.00K	$30.00K	$20.00K
YoY Change	0.78%	126.7%	6693.06%	-16.67%	900.0%	-62.5%	33.33%	20.0%	66.67%	50.0%
Total Assets	$128.7M	$97.70M	$132.7M	$12.26M	$12.38M	$1.030M	$190.0K	$120.0K	$210.0K	$90.00K	$240.0K
YoY Change
Accounts Payable	$78.59M	$30.50M	$5.869M	$10.41M	$14.53M	$990.0K	$300.0K	$100.0K	$200.0K	$100.0K	$0.00
YoY Change	157.68%	419.69%	-43.62%	-28.36%	1367.68%	230.0%	200.0%	-50.0%	100.0%
Accrued Expenses	$6.141M	$2.300M	$1.721M	$120.0K	$480.0K		$70.00K	$310.0K	$290.0K	$270.0K	$240.0K
YoY Change	167.0%	33.61%	1334.52%	-75.0%			-77.42%	6.9%	7.41%	12.5%
Deferred Revenue
YoY Change
Short-Term Debt	$0.00	$0.00	$0.00	$270.0K	$740.0K	$0.00	$180.0K	$300.0K	$0.00	$0.00	$0.00
YoY Change			-100.0%	-63.51%		-100.0%	-40.0%
Long-Term Debt Due			$0.00	$860.0K	$810.0K	$850.0K	$0.00	$0.00	$0.00	$0.00	$0.00
YoY Change			-100.0%	6.17%	-4.71%
Total Short-Term Liabilities	$85.54M	$36.70M	$26.83M	$11.73M	$17.62M	$1.880M	$690.0K	$720.0K	$550.0K	$600.0K	$510.0K
YoY Change	133.08%	36.81%	128.7%	-33.43%	837.23%	172.46%	-4.17%	30.91%	-8.33%	17.65%
Long-Term Debt	$15.91M	$61.70M	$59.31M	$150.0K	$0.00	$80.00K	$30.00K	$10.00K	$330.0K	$400.0K	$690.0K
YoY Change	-74.21%	4.04%	39436.72%		-100.0%	166.67%	200.0%	-96.97%	-17.5%	-42.03%
Other Long-Term Liabilities	$3.720M	$1.100M	$1.036M	$0.00	$120.0K				$0.00	$20.00K
YoY Change	238.18%	6.19%		-100.0%					-100.0%
Total Long-Term Liabilities	$19.63M	$62.80M	$60.34M	$150.0K	$120.0K	$80.00K	$30.00K	$10.00K	$330.0K	$420.0K	$690.0K
YoY Change	-68.74%	4.08%	40127.32%	25.0%	50.0%	166.67%	200.0%	-96.97%	-21.43%	-39.13%
Total Liabilities	$105.2M	$99.60M	$87.17M	$11.88M	$17.74M	$1.950M	$710.0K	$740.0K	$890.0K	$1.020M	$1.210M
YoY Change	5.6%	14.26%	633.73%	-33.03%	809.74%	174.65%	-4.05%	-16.85%	-12.75%	-15.7%

Ownership

Basic Shares Outstanding

Diluted Shares Outstanding

Preferred Stock

Treasury Stock Shares

Stock Issuance & Repurchase

Ownership Data

Concept	2023	2022	2021	2020	2019	2018	2017	2016	2015	2014	2013
Basic Shares Outstanding
Diluted Shares Outstanding
Preferred Stock
Treasury Stock Shares

Return On Shareholders' Equity

Book Value

Free Cash Flow

Free Cash Flow YoY

Free Cash Flow Margin

Dividends

Stock Price

Market Cap: $13.664 Million

About Ryvyl Inc

Ryvyl, Inc. operates as a financial technology company, which develops, markets, and sells innovative block chain-based payment solutions. The company is headquartered in San Diego, California and currently employs 99 full-time employees. The company went IPO on 2010-01-20. Its core focus is to develop and monetize disruptive blockchain- based applications, integrated within an end-to-end suite of financial products, capable of supporting a multitude of industries. Its blockchain-based systems are designed to facilitate, record and store a virtually limitless volume of tokenized assets, representing cash or data, on a secured, immutable blockchain-based ledger. Its products include QuickCard Payment System, Coyni Platform, and ChargeSavvy. QuickCard Payment System is a physical and virtual payment card processing management system, including software that facilitates on and off ramp e-wallet management. The Coyni Platform offers custodial assurance by utilizing its stablecoin and blockchain technology in a closed-loop ecosystem. ChargeSavvy is its POS solution, comprising both software and hardware for the restaurant and hospitality industry.

Industry: Services-Management Consulting Services Peers: ALJ REGIONAL HOLDINGS INC Blueone Card Inc Usio Inc Bm Technologies Inc Steel Connect Inc Exela Technologies Inc Innodata Inc OLB Group Inc VISA INC.