📊 RVYL Key Takeaways
Is RYVYL Inc. (RVYL) a Good Investment?
RYVYL exhibits critical financial distress with negative stockholders' equity of -$3.2M, negative operating cash flow of -$6.2M, and minimal cash reserves. Despite exceptional revenue growth, the company operates at massive losses (-$9.5M operating loss on $8.3M revenue) and cannot service its $19.6M debt burden, creating acute going-concern risk.
Why Buy RYVYL Inc. Stock? RVYL Key Strengths
- Revenue growth of 6596% YoY demonstrates strong market demand from startup-phase scaling
- Gross margin of 47.7% indicates viable underlying business model in management consulting
- Net loss improving 49.5% YoY shows cost management progress amid growth
RVYL Stock Risks: RYVYL Inc. Investment Risks
- Negative stockholders' equity of -$3.2M indicates technical insolvency and balance sheet collapse
- Negative operating cash flow of -$6.2M combined with only $1.2M cash creates immediate liquidity crisis
- Operating margin of -113.9% and inability to service $19.6M debt (interest coverage -8.6x) signals high bankruptcy risk
Key Metrics to Watch
- Operating cash flow inflection point and path to cash flow breakeven
- Debt restructuring/refinancing activity and stockholders' equity recovery trajectory
RYVYL Inc. (RVYL) Financial Metrics & Key Ratios
💡 AI Analyst Insight
The current ratio below 1.0x warrants monitoring of short-term liquidity.
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 grown significantly by 559% over the 5-year period, indicating strong business expansion. The most recent EPS of $-10.11 indicates the company is currently unprofitable.
RVYL Revenue Growth, EPS Growth & YoY Performance
RVYL Quarterly Earnings & Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| 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 |
| Q2 2023 | $7.0M | -$12.0M | 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 rating of STRONG SELL with 95% confidence, based on fundamental analysis of SEC EDGAR filings.
What are RVYL's key strengths?
Claude: Revenue growth of 6596% YoY demonstrates strong market demand from startup-phase scaling. Gross margin of 47.7% indicates viable underlying business model in management consulting.
What are the risks of investing in RVYL?
Claude: Negative stockholders' equity of -$3.2M indicates technical insolvency and balance sheet collapse. Negative operating cash flow of -$6.2M combined with only $1.2M cash creates immediate liquidity crisis.
What is RVYL's revenue and growth?
RYVYL Inc. reported revenue of $8.3M.
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 $-0.78.
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 rating reflects both perspectives for balanced insights.
Is RVYL a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, RYVYL Inc. has a STRONG SELL rating with 95% confidence. Review the strengths and risks sections above before making a decision. 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 -157.3% (sector avg: 10%). Compare these metrics with sector averages to assess valuation.
Should I buy RVYL stock in 2026?
Our dual AI analysis gives RYVYL Inc. a combined STRONG SELL rating 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 $-6.2M, with capital expenditures of $76.0K. FCF margin is -75.3%.
How does RVYL compare to other Services stocks?
Vs Services sector averages: Net margin -157.3% (avg: 10%), ROE N/A (avg: 16%), current ratio 0.82 (avg: 1.5).