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Upturn AI SWOT - About
RVYL 
Ryvyl Inc (RVYL)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
10/28/2025: 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 10/28/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 13.07M 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 3.73 | 52 Weeks Range 0.25 - 2.01 | Updated Date 10/28/2025 |
52 Weeks Range 0.25 - 2.01 | Updated Date 10/28/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -2.01 |
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 15823005 | Price to Sales(TTM) 0.27 |
Enterprise Value 15823005 | Price to Sales(TTM) 0.27 | ||
Enterprise Value to Revenue 0.32 | Enterprise Value to EBITDA -6.08 | Shares Outstanding 31770324 | Shares Floating 27982461 |
Shares Outstanding 31770324 | Shares Floating 27982461 | ||
Percent Insiders 22.56 | Percent Institutions 5.37 |
Upturn AI SWOT
Ryvyl Inc
Company Overview
History and Background
Ryvyl Inc., formerly known as Green Globe International, Inc., has evolved from focusing on green technologies to providing payment technology solutions. The exact founding year and early milestones are not readily available, but the company's transition towards fintech is a key part of its history. They are focused on blockchain solutions for payments.
Core Business Areas
- Payment Processing: Ryvyl provides payment processing solutions to merchants, enabling them to accept various forms of payment, including credit cards, debit cards, and digital currencies. Focuses on blockchain technology to streamline processes and reduce fraud.
- Blockchain Solutions: Offers blockchain-based solutions for enhanced security and transparency in payment transactions. Utilizes distributed ledger technology to reduce costs and improve efficiency.
Leadership and Structure
The leadership team consists of Ravi Srivastava (CEO), as well as other executives focusing on technology, finance, and operations. The company is structured to support its payment processing and blockchain development activities.
Top Products and Market Share
Key Offerings
- Ryvyl Platform: The core payment processing platform handles various payment methods with enhanced security through blockchain integration. Market share data is limited; competitors include Block (SQ), PayPal (PYPL), and Adyen (ADYEY).
- Blockchain Payment Solutions: Offers customized blockchain solutions for specific business needs, enhancing payment security and transparency. Competitors are companies building custom blockchain applications in the payment space.
Market Dynamics
Industry Overview
The payment processing industry is experiencing rapid growth, driven by the increasing adoption of digital payments and e-commerce. Blockchain technology is being explored to enhance security and efficiency.
Positioning
Ryvyl is positioning itself as a provider of innovative payment solutions by leveraging blockchain technology. Its competitive advantage lies in its ability to offer secure and transparent payment processing.
Total Addressable Market (TAM)
The global digital payments market is estimated to reach trillions of dollars. Ryvyl, with its focus on blockchain, aims to capture a niche within this large TAM by appealing to businesses seeking enhanced security and transparency.
Upturn SWOT Analysis
Strengths
- Innovative blockchain solutions
- Focus on security and transparency
- Experienced leadership team
- Partnerships with key players in the industry
Weaknesses
- Limited market share
- Relatively small company size
- Reliance on blockchain adoption
- Limited brand recognition
Opportunities
- Growing demand for digital payments
- Increasing adoption of blockchain technology
- Expansion into new markets
- Development of new blockchain-based payment solutions
Threats
- Intense competition in the payment processing industry
- Regulatory changes
- Security risks associated with blockchain technology
- Economic downturn
Competitors and Market Share
Key Competitors
- SQ
- PYPL
- FIS
- GPN
- ADYEY
Competitive Landscape
Ryvyl's advantages include its innovative blockchain solutions, while its disadvantages stem from its smaller size and limited market share compared to established competitors.
Growth Trajectory and Initiatives
Historical Growth: Historical growth is difficult to assess accurately without reliable financial data. The company has undergone significant changes in its business strategy.
Future Projections: Future projections are highly speculative given the limited financial data and evolving business focus. Analyst estimates vary.
Recent Initiatives: Recent initiatives include the development of new blockchain-based payment solutions, partnership formation, and market expansion efforts.
Summary
Ryvyl Inc. is a small company attempting to gain traction in the highly competitive payments processing market by leveraging blockchain technology. While their innovative approach is a strength, their limited size, market share, and financial data represent significant weaknesses. The company's future hinges on successful execution of its blockchain strategy and the ability to overcome significant competitive pressures. More detailed information and reliable financials is required to get a clear overall picture.
Similar Stocks
Sources and Disclaimers
Data Sources:
- SEC filings
- Company press releases
- Market research reports
- Analyst reports
- Company website
- Third party financial websites
Disclaimers:
This analysis is based on limited publicly available information and is for informational purposes only. It should not be considered investment advice. The financial metrics are estimated due to lack of available information.
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 | CEO & Co-Founder of Coyni Stablecoin Spinoff Mr. Paul Levine | ||
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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