📊 RVYL Key Takeaways
Is RYVYL Inc. (RVYL) a Good Investment?
RYVYL exhibits technical insolvency with negative stockholders' equity (-$972K) and unsustainable cash burn (-$2.1M operating cash flow) despite impressive revenue growth of 720.8% YoY. The company cannot achieve profitability (operating margin -120%, net margin -129.6%) and carries $19.6M in debt that cannot be serviced from operations (negative interest coverage of -2.8x). Rapid revenue growth is insufficient to offset fundamental financial deterioration and existential solvency risk.
RYVYL Inc. Key Strengths (RVYL)
- Exceptional revenue growth of 720.8% YoY demonstrates strong market demand
- Positive gross margin of 44.2% indicates core business model has pricing power and operational viability
- Maintains $5.5M in cash reserves providing 2-3 quarters of operational runway
RVYL Stock Risks: RYVYL Inc. Investment Risks
- Negative stockholders' equity of -$972K represents technical insolvency and material bankruptcy risk
- Massive operating losses of -$3.0M with -120% operating margin show company burns cash on every revenue dollar despite high top-line growth
- Negative operating cash flow of -$2.1M with -81.5% FCF margin means company is depleting cash reserves unsustainably
- High long-term debt of $19.6M cannot be serviced with negative interest coverage of -2.8x; no operational earnings to cover debt obligations
- Tight liquidity with current ratio of 1.04x leaves minimal financial flexibility for unexpected challenges or debt maturity
Key Metrics to Watch
- Operating margin improvement path and timeline to breakeven cash flow
- Stockholders' equity trajectory - critical to eliminate negative equity position
- Debt refinancing, restructuring, or reduction plans given inability to service current obligations
- Cash burn rate and estimated runway before liquidity crisis
- Gross margin sustainability as company scales operations
RYVYL Inc. (RVYL) Financial Metrics & Key Ratios
💡 AI Analyst Insight
RYVYL Inc. presents a mixed fundamental picture. Review the detailed metrics above to form your own investment thesis.
RVYL Profit Margin, ROE & Profitability Analysis
RVYL vs Services Sector: How RYVYL Inc. Compares
How RYVYL Inc. compares to Services sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is RYVYL Inc. Stock Overvalued? RVYL Valuation Analysis 2026
Based on fundamental analysis, RYVYL Inc. has mixed fundamental signals relative to the Services sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
RYVYL Inc. Balance Sheet: RVYL Debt, Cash & Liquidity
RVYL Revenue & Earnings Growth: 5-Year Financial Trend
5-Year Trend Summary: RYVYL Inc.'s revenue has declined by 31% over the 5-year period, indicating business contraction. The most recent EPS of $-140.25 indicates the company is currently unprofitable.
RVYL Revenue Growth, EPS Growth & YoY Performance
RVYL Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q1 2026 | $2.5M | -$2.8M | $-2.67 |
| Q3 2025 | $2.8M | -$2.0M | $-0.07 |
| Q2 2025 | $2.8M | -$8.4M | $-0.80 |
| Q1 2025 | $15.1M | -$2.7M | $-0.33 |
| Q3 2024 | $12.6M | -$3.1M | $-0.60 |
| Q2 2024 | $11.9M | -$12.0M | $-1.88 |
| Q1 2024 | $11.3M | -$2.7M | N/A |
| Q3 2023 | $10.6M | -$3.1M | N/A |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
RYVYL Inc. Dividends, Buybacks & Capital Allocation
RVYL SEC Filings: Latest 10-K & 10-Q Analysis
Access official SEC EDGAR filings for RYVYL Inc. (CIK: 0001419275)
📋 Recent SEC Filings
❓ Frequently Asked Questions about RVYL
What is the AI rating for RVYL?
RYVYL Inc. (RVYL) has an AI grade of D with 87% confidence, based on fundamental analysis of SEC EDGAR filings.
What are RVYL's key strengths?
Claude: Exceptional revenue growth of 720.8% YoY demonstrates strong market demand. Positive gross margin of 44.2% indicates core business model has pricing power and operational viability.
What are the risks of investing in RVYL?
Claude: Negative stockholders' equity of -$972K represents technical insolvency and material bankruptcy risk. Massive operating losses of -$3.0M with -120% operating margin show company burns cash on every revenue dollar despite high top-line growth.
What is RVYL's revenue and growth?
RYVYL Inc. reported revenue of $2.5M.
Does RVYL pay dividends?
RYVYL Inc. does not currently pay dividends.
Where can I find RVYL SEC filings?
Official SEC filings for RYVYL Inc. (CIK: 0001419275) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is RVYL's EPS?
RYVYL Inc. has a diluted EPS of $-2.67.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined grade reflects both perspectives for balanced insights.
What is RVYL's fundamental grade?
Based on our AI fundamental analysis in May 2026, RYVYL Inc. has a D grade with 87% confidence. Review the strengths and risks sections above for full context. This is not investment advice.
Is RVYL stock overvalued or undervalued?
Valuation metrics for RVYL: ROE of N/A (sector avg: 16%), net margin of -129.6% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
What is RVYL's AI grade for 2026?
Our dual AI analysis gives RYVYL Inc. a combined D grade for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is RVYL's free cash flow?
RYVYL Inc.'s operating cash flow is $-2.1M, with capital expenditures of $0.0. FCF margin is -81.5%.
How does RVYL compare to other Services stocks?
Vs Services sector averages: Net margin -129.6% (avg: 10%), ROE N/A (avg: 16%), current ratio 1.04 (avg: 1.5).