Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Valuation
Upturn AI SWOT - About
RVYL 
Ryvyl Inc (RVYL)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
08/28/2025: 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 08/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 9.96M 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 3.55 | 52 Weeks Range 0.25 - 2.35 | Updated Date 08/29/2025 |
52 Weeks Range 0.25 - 2.35 | Updated Date 08/29/2025 | ||
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 2025-08-14 | When - | Estimate -0.27 | Actual -0.36 |
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 12997525 | Price to Sales(TTM) 0.2 |
Enterprise Value 12997525 | Price to Sales(TTM) 0.2 | ||
Enterprise Value to Revenue 0.27 | Enterprise Value to EBITDA -6.08 | Shares Outstanding 31342000 | Shares Floating 27800677 |
Shares Outstanding 31342000 | Shares Floating 27800677 | ||
Percent Insiders 22.48 | Percent Institutions 5.52 |
Upturn AI SWOT
Ryvyl Inc
Company Overview
History and Background
Ryvyl Inc, formerly known as Green Stream Holdings Inc., has evolved significantly since its inception. Originally focused on energy-efficient technologies, it has pivoted to the fintech space, specializing in payment processing and blockchain solutions. This transformation reflects a strategic shift towards high-growth opportunities in the digital economy.
Core Business Areas
- Payment Processing Solutions: Ryvyl offers a suite of payment processing services, including credit and debit card processing, mobile payments, and online payment gateways. This segment aims to provide secure and efficient payment solutions for merchants across various industries.
- Blockchain Technology: Ryvyl leverages blockchain technology to enhance transaction security, transparency, and efficiency. This includes developing blockchain-based payment systems and exploring applications in areas like supply chain management and digital identity.
- Loyalty and Rewards Programs: Ryvyl provides loyalty and rewards platforms that enable merchants to incentivize customer engagement and retention through points, rewards, and personalized offers.
Leadership and Structure
Ryvyl's leadership team comprises experienced executives in fintech, technology, and finance. The organizational structure is designed to foster innovation and agility in responding to market demands. Details on specific names and titles may be available through Ryvyl's investor relations website.
Top Products and Market Share
Key Offerings
- Ryvyl Platform: Ryvyl's core platform offers payment processing, digital wallet, and fraud prevention services. Market share data is difficult to ascertain precisely as Ryvyl is a smaller player, however it seeks to gain prominence against competitors such as Block (SQ) and PayPal (PYPL).
- Blockchain Payment Solutions: Ryvyl is developing blockchain-based payment solutions intended to streamline transactions and enhance security. Specific market share information is not publicly available. Competitors in this space include Coinbase (COIN) and Ripple.
Market Dynamics
Industry Overview
The fintech industry is experiencing rapid growth, driven by increasing adoption of digital payments, blockchain technology, and mobile banking. The market is highly competitive, with established players and emerging startups vying for market share.
Positioning
Ryvyl aims to differentiate itself through its integrated platform and focus on blockchain-based solutions. Its competitive advantage lies in its ability to offer secure, efficient, and innovative payment solutions to merchants.
Total Addressable Market (TAM)
The global fintech market is projected to reach trillions of dollars. Ryvyl is positioned to capture a portion of this market by focusing on niche segments such as blockchain payments and integrated merchant solutions.
Upturn SWOT Analysis
Strengths
- Innovative technology platform
- Focus on blockchain applications
- Experienced leadership team
- Integrated payment solutions
Weaknesses
- Limited brand recognition
- Small market share compared to larger competitors
- Dependence on key partnerships
- Limited access to capital
Opportunities
- Expansion into new geographic markets
- Partnerships with larger financial institutions
- Increasing adoption of blockchain technology
- Growing demand for digital payment solutions
Threats
- Intense competition from established players
- Regulatory changes in the fintech industry
- Cybersecurity risks
- Economic downturns
Competitors and Market Share
Key Competitors
- SQ
- PYPL
- FIS
- GPN
- COIN
Competitive Landscape
Ryvyl operates in a highly competitive market. It is relatively small compared to giants like Square (Block) and PayPal. It must strategically develop new products or services to differentiate itself.
Growth Trajectory and Initiatives
Historical Growth: Assess Ryvyl's revenue growth and customer acquisition rates over the past few years.
Future Projections: Review analyst estimates for future revenue growth, earnings per share (EPS), and market share.
Recent Initiatives: Highlight recent product launches, partnerships, acquisitions, and other strategic initiatives.
Summary
Ryvyl Inc. is a small, transforming fintech company aiming to establish itself in the payment processing and blockchain space. It has innovative technology, but suffers from limited brand recognition and small market share. To grow, it needs to form strategic partnerships, expand into new markets, and deal with intense competition. Overall it needs to execute on its strategy to compete with the giants in the payments space.
Peer Comparison
Sources and Disclaimers
Data Sources:
- SEC Filings
- Company Website
- Market Research Reports
- Analyst Estimates
Disclaimers:
This analysis is for informational purposes only and should not be considered financial advice. Market conditions and company performance can change rapidly. Conduct thorough due diligence before making any investment decisions.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.