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Upturn AI SWOT - About
Ryvyl Inc (RVYL)
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Upturn Advisory Summary
07/02/2025: 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 07/02/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 14.31M 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 4.03 | 52 Weeks Range 0.36 - 2.40 | Updated Date 07/2/2025 |
52 Weeks Range 0.36 - 2.40 | Updated Date 07/2/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -3.89 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -49.47% | Operating Margin (TTM) -2.94% |
Management Effectiveness
Return on Assets (TTM) -4.21% | Return on Equity (TTM) -309.32% |
Valuation
Trailing PE - | Forward PE 3.32 | Enterprise Value 34448967 | Price to Sales(TTM) 0.26 |
Enterprise Value 34448967 | Price to Sales(TTM) 0.26 | ||
Enterprise Value to Revenue 0.63 | Enterprise Value to EBITDA -6.08 | Shares Outstanding 15885600 | Shares Floating 6071614 |
Shares Outstanding 15885600 | Shares Floating 6071614 | ||
Percent Insiders 67.94 | Percent Institutions 2.7 |
Upturn AI SWOT
Ryvyl Inc
Company Overview
History and Background
Ryvyl Inc., formerly known as SinglePoint Inc., focuses on providing payment processing and other technology solutions. It has evolved from a focus on the renewable energy sector to the payments industry.
Core Business Areas
- Payment Processing: Provides payment processing solutions for businesses, including credit card processing, mobile payments, and other payment methods.
- Blockchain Solutions: Offers blockchain-related services, potentially including cryptocurrency payment processing or blockchain-based applications.
Leadership and Structure
Details about the specific leadership team and organizational structure are difficult to determine without access to a company website or the most recent SEC filings.
Top Products and Market Share
Key Offerings
- Payment Gateway: Ryvyl provides a payment gateway service. It is difficult to find the market share and number of users as Ryvyl is not a major player in the Payment Gateway market. Competitors include Stripe (STRIP), PayPal (PYPL), Square (SQ).
Market Dynamics
Industry Overview
The payment processing industry is highly competitive and rapidly evolving, driven by technological innovation and changing consumer preferences. The industry is experiencing significant growth, fueled by the increasing adoption of e-commerce and mobile payments.
Positioning
Ryvyl Inc. is positioned as a provider of payment processing solutions, focusing on serving small to medium-sized businesses. Ryvyl is a smaller player in the market and needs to establish a stronger market presence.
Total Addressable Market (TAM)
The global payment processing market is estimated to be worth several trillion dollars. Ryvyl's TAM is all payment processing transactions, domestic and international.
Upturn SWOT Analysis
Strengths
- Focus on payment processing solutions
- Potential for growth in the evolving payments industry
- Offers blockchain solutions
Weaknesses
- Small market share
- Limited brand recognition
- Financial performance needs improvement
Opportunities
- Expanding into new markets
- Developing innovative payment solutions
- Acquiring smaller competitors
Threats
- Intense competition from established players
- Changing regulations in the payments industry
- Economic downturn
Competitors and Market Share
Key Competitors
- PayPal (PYPL)
- Square (SQ)
- Global Payments (GPN)
- Fiserv (FI)
- Fidelity National Information Services (FIS)
Competitive Landscape
Ryvyl Inc. faces intense competition from larger, more established players in the payment processing industry. To succeed, Ryvyl needs to differentiate itself through innovative solutions and a strong focus on customer service.
Growth Trajectory and Initiatives
Historical Growth: Historical growth analysis requires access to financial data.
Future Projections: Future projections require access to analyst estimates and financial data.
Recent Initiatives: Difficult to determine without access to the company website or the most recent SEC filings.
Summary
Ryvyl Inc. is a small company operating in a highly competitive payment processing industry. While the company offers potential growth opportunities through its payment processing, it faces significant challenges in terms of market share, brand recognition, and financial performance. Strong growth prospects depend on the company's ability to innovate and secure market position.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Publicly available information
- Market research reports
- Company website (if available)
Disclaimers:
This analysis is based on limited publicly available information and should not be considered financial advice.
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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