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Upturn AI SWOT - About
RVYL 
Ryvyl Inc (RVYL)
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Upturn Advisory Summary
09/17/2025: RVYL (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
2 Analysts rated it
Very few follow this stock; limited insights, higher-risk early investing.
1 Year Target Price $2.75
1 Year Target Price $2.75
| 0 | Strong Buy |
| 1 | Buy |
| 1 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -5.67% | Avg. Invested days 27 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/17/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 8.83M USD | Price to earnings Ratio - | 1Y Target Price 2.75 |
Price to earnings Ratio - | 1Y Target Price 2.75 | ||
Volume (30-day avg) 2 | Beta 3.67 | 52 Weeks Range 0.25 - 2.35 | Updated Date 09/17/2025 |
52 Weeks Range 0.25 - 2.35 | Updated Date 09/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -2.02 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -47.42% | Operating Margin (TTM) -72.84% |
Management Effectiveness
Return on Assets (TTM) -6.84% | Return on Equity (TTM) -2097.52% |
Valuation
Trailing PE - | Forward PE 3.32 | Enterprise Value 11982044 | Price to Sales(TTM) 0.18 |
Enterprise Value 11982044 | Price to Sales(TTM) 0.18 | ||
Enterprise Value to Revenue 0.24 | Enterprise Value to EBITDA -6.08 | Shares Outstanding 31342000 | Shares Floating 23377379 |
Shares Outstanding 31342000 | Shares Floating 23377379 | ||
Percent Insiders 22.67 | Percent Institutions 5.52 |
Upturn AI SWOT
Ryvyl Inc
Company Overview
History and Background
Ryvyl Inc., formerly known as GreenBox POS, was founded to develop and market blockchain-based payment solutions. Its focus has shifted towards broader payment technologies and solutions.
Core Business Areas
- Payment Processing Solutions: Offers payment processing services for merchants, including online and in-person transactions. These solutions focus on secure and efficient transaction management.
- Blockchain Technology: Leverages blockchain technology to enhance security and transparency in payment systems. Primarily focused on providing blockchain infrastructure for other companies.
Leadership and Structure
The leadership team consists of management focused on technology and business development. The organizational structure involves departments for engineering, sales, marketing, and customer support.
Top Products and Market Share
Key Offerings
- Payment Gateway Solutions: Offers secure payment gateway services for online merchants. This accounts for the bulk of revenue. Competitors: PayPal, Stripe, Square, Adyen.
- Blockchain-Enabled Payments: Provides solutions integrating blockchain for faster and more secure transactions. Competitors: Ripple, Circle.
Market Dynamics
Industry Overview
The payment processing industry is highly competitive, with rapid technological advancements and increasing demand for secure and efficient transaction solutions.
Positioning
Ryvyl Inc aims to carve out a niche by offering blockchain-integrated payment solutions. Its competitive advantage lies in leveraging blockchain technology.
Total Addressable Market (TAM)
The global payment processing market is estimated to be in the trillions of dollars. Ryvyl Inc is positioned to capture a portion of this TAM, particularly in segments requiring enhanced security and blockchain applications.
Upturn SWOT Analysis
Strengths
- Blockchain Technology Integration
- Payment Gateway Solutions
- Strong technology expertise
- Focus on Security
Weaknesses
- Limited market share
- Relatively small size compared to competitors
- Lack of substantial adoption
- Reliance on capital markets
Opportunities
- Growing demand for blockchain-based solutions
- Expansion into new markets
- Partnerships with larger financial institutions
- Development of new payment technologies
Threats
- Intense competition from established players
- Rapid technological changes
- Regulatory hurdles
- Economic downturns
Competitors and Market Share
Key Competitors
- PYPL
- SQ
- FISV
- GPN
Competitive Landscape
Ryvyl Inc faces intense competition from established players with greater resources and market share. Its advantage lies in specialized blockchain solutions.
Growth Trajectory and Initiatives
Historical Growth: Historical growth would be assessed by examining past revenue and earnings trends.
Future Projections: Future growth depends on market adoption of blockchain solutions, new product development, and market expansion.
Recent Initiatives: Recent initiatives may include partnerships, product launches, and strategic acquisitions.
Summary
Ryvyl Inc. is a technology company in the payment processing space attempting to leverage blockchain. While it offers potentially innovative solutions, it faces significant competition and requires market penetration to achieve sustainable growth. The company's financial stability and ability to scale its operations are critical factors. Investors should monitor its progress carefully in a rapidly evolving market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Market Research Reports
- Company Press Releases
- Financial News Outlets
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Investment decisions should be based on individual due diligence.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Ryvyl Inc
Exchange NASDAQ | Headquaters San Diego, CA, United States | ||
IPO Launch date 2022-10-24 | Co-Founder, CEO & Director Mr. Fredi Nisan | ||
Sector Technology | Industry Software - Infrastructure | Full time employees 95 | Website https://www.ryvyl.com |
Full time employees 95 | Website https://www.ryvyl.com | ||
Ryvyl Inc., a financial technology company, develops software platforms and tools that focuses on providing payment acceptance and disbursement capabilities in North America, Europe, and Asia. It offers dual-sided platform that enables businesses to accept payments from customers while distributing funds to vendors, employees, and partners; treasury management services; and payment solutions, including automated clearing house and wire transfer services. The company also provides IBAN issuance; foreign exchange; and electronic money institution services, as well as card issuing services, such as debit, credit, and virtual cards. It serves customers in various industries, including retail, e-commerce, financial services, logistics, healthcare, and other sectors. The company was formerly known as GreenBox POS and changed its name to Ryvyl Inc. in October 2022. Ryvyl Inc. is based in San Diego, California.
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