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Ryvyl Inc.(RVYL)Earnings, Financials & Key Ratios
RVYL•NASDAQ
$3.81
Price updated Jul 2, 2026
AboutGreenBox 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.Show more
- Revenue$11M-80.1%
- EBITDA-$9M+52.0%
- Net Income-$18M+34.7%
- EPS (Diluted)-18.46+86.8%
- Gross Margin47.68%+19.1%
- EBITDA Margin-80.22%-141.2%
- Operating Margin-84.65%-127.0%
- Net Margin-157.45%-228.7%
- ROE-2623.65%-975.8%
RVYL Price & Volume
Ryvyl Inc. (RVYL) stock price & volume — 10-year historical chart
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Severe Revenue Contraction Threatens Ryvyl Operational Viability
Investment Thesis • Updated 2026Q1
VerdictNegative
Growth:Contracting
Profitability:Negative
Financial:Vulnerable
Cash Flow:Burning
Primary Risk:Insolvency and liquidity crisis
Key Thesis Takeaways
- Ryvyl faces an existential crisis characterized by an 83.2% year-over-year revenue decline as of 2026Q1, signaling a potential collapse of its core transaction processing business.
- The company's inability to scale SG&A expenses alongside falling revenue has resulted in a deeply negative operating margin of -120%, further eroding a balance sheet already burdened by $2.1 million in debt.
- Investors should exercise extreme caution as the firm's $5.5 million cash position appears insufficient to support ongoing operations without further dilutive financing or restructuring.
Verdict Logic
the company's unsustainable burn rate, evidenced by a -129.6% net margin and a dwindling cash balance of $5.5 million, presents a high risk of insolvency for shareholders.
RVYL Growth Metrics
Ryvyl Inc. (RVYL) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years18.04%
5 Years5.48%
3 Years-30.33%
TTM-79.95%
Profit CAGR
10 Years-
5 Years-
3 Years-
TTM32.86%
EPS CAGR
10 Years-
5 Years-
3 Years-
TTM72.6%
Return on Capital
10 Years-35.22%
5 Years-58.48%
3 Years-59.17%
Last Year-86.34%
RVYL Recent Earnings
Ryvyl Inc. (RVYL) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 2/12 qtrs (18%)●Beat Revenue 3/12 qtrs (27%)
Q2 2026Latest
May 13, 2026Metric
Actual
Est
EPS
$2.67-227.1%
$2.10
Rev
$3M-90.0%
$25M
Q1 2026
Feb 13, 2026Metric
Actual
Est
EPS
$4.25-51.8%
$2.80
Rev
$3M-6.9%
$3M
Q4 2025
Nov 14, 2025Metric
Actual
Est
EPS
$2.45+46.2%
$4.55
Rev
$3M-7.1%
$3M
Q3 2025
Aug 14, 2025Metric
Actual
Est
EPS
$0.68-151.9%
$0.27
Rev
$3M-83.7%
$17M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 13, 2026 | $2.67vs $2.10-227.1% | $3Mvs $25M-90.0% |
| Q1 2026 | Feb 13, 2026 | $4.25vs $2.80-51.8% | $3Mvs $3M-6.9% |
| Q4 2025 | Nov 14, 2025 | $2.45vs $4.55+46.2% | $3Mvs $3M-7.1% |
| Q3 2025 | Aug 14, 2025 | $0.68vs $0.27-151.9% | $3Mvs $17M-83.7% |
Based on last 12 quarters of dataView full earnings history →
Peers Comparison
Key metrics vs top competitors for Ryvyl Inc. (RVYL)
| Company | Price | Market Cap | P/E Ratio | Rev Growth (1Y) | Net Margin | ROE | Div Yield |
|---|---|---|---|---|---|---|---|
| $3.81 | $4.7B | -0.21 | -80.12% | -157.45% | -2623.65% | — | |
| $7.07 | $582.25M | 10.40 | 8.33% | 5.85% | — | — | |
| $2.37 | $65.4M | -25.40 | 2.97% | -2.43% | -11.73% | — | |
| $21.71 | $479.67M | 38.77 | -7.29% | 8.26% | 3.67% | — | |
| $51.38 | $3.55B | 47.57 | 25.5% | 2.29% | 5.13% | — | |
| $28.80 | $1.77B | 13.09 | 10.21% | 13.95% | 18.65% | — |
Compare RVYL vs Peers
Ryvyl Inc. (RVYL) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
RVYL SEC Filings & Documents
Ryvyl Inc. (RVYL) SEC filings — annual & quarterly reports (10-K, 10-Q)
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RVYL Frequently Asked Questions
Ryvyl Inc. (RVYL) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
What is Ryvyl Inc.'s revenue?
Ryvyl Inc. (RVYL) reported $10.9M in revenue for fiscal year 2025. This represents a 944% increase from $1.0M in 2008.
How fast is Ryvyl Inc. growing?
Ryvyl Inc. (RVYL) saw revenue decline by 80.1% over the past year.
Is RVYL profitable?
Ryvyl Inc. (RVYL) reported a net loss of $18.1M for fiscal year 2025.
Dividend & Returns
What is RVYL's return on equity?
Ryvyl Inc. (RVYL) has a return on equity (ROE) of -2623.7%. Negative ROE indicates the company is unprofitable.
What is Ryvyl Inc.'s free cash flow?
Ryvyl Inc. (RVYL) had negative free cash flow of $12.1M in fiscal year 2025, likely due to heavy capital investments.