Ryvyl EU
Total Consideration
$16.5M
RYVYL INC. — Key Metrics
2 years of history · ending 2025-12-31 · SEC EDGAR
Forensics
Three classic accounting-quality scores. F-Score (0-9, higher = better fundamentals); M-Score (>-1.78 flags possible manipulation); Z-Score (>2.99 = safe, <1.81 = distressed). Use together — single-score readings are noisy.
F-Score (Piotroski 0-9)
Z-Score (Altman; <1.81 = distress)
Per Share Metrics
Turnover & Efficiency Analysis (days)
Expense Ratios
Working Capital Analysis
Valuation Multiples
Cash-Flow Multiples
Enterprise Value Multiples
52-Week Range
Trailing Returns
ROIC vs WACC
Yields
Capital Deployment Yields
Liquidity & Leverage Ratios
Earnings Quality (OCF/NI · FCF/NI · Sloan Accruals)
EPS (Diluted)
$-29
Book Value Per Share
$1
Free Cash Flow Per Share
$-39
Cash Per Share
$12
Revenue Per Share
$19
OCF Per Share
$-39
Return on Equity
4253.9%
Return on Assets
-25.9%
Return on Invested Capital
2521.1%
Debt to Equity
-11.65
Current Ratio
1.11
Quick Ratio
1.11
Asset Turnover
0.16
Days Sales Outstanding
36.53
Days Payables Outstanding
140.20
Days Inventory On Hand
—
Cash Conversion Cycle
—
R&D / Revenue
5.0%
SBC / Revenue
8.0%
Capex / Revenue
0.7%
Working Capital
$1M
Net Current Asset Value
$-1M
Invested Capital
$668K
OCF / Net Income
1.31
FCF / Net Income
1.32
Accruals Ratio (Sloan)
42.1%
Net Debt
$-7M
Net Debt / EBITDA
0.59
Interest Coverage
—
Cash Coverage
—
Capex Coverage
-291.66
Tangible Common Equity
$413K
TCE / Total Assets
3.2%
Goodwill / Total Assets
0.0%
NOPAT
$-10M
Cash ROIC
5611.7%
WC / Revenue
10.1%
Capex / D&A
0.16
Reinvestment Rate
3.1%
Total Payout Ratio
—
Asset Growth vs Revenue Growth
-50.6%
Revenue 5Y CAGR
5.5%
EPS 5Y CAGR
—
FCF 5Y CAGR
—
EBITDA 5Y CAGR
—
Book Value 5Y CAGR
—
Stock Price (FY-end)
$6
Market Cap
$3M
P/E Ratio
—
P/S Ratio
0.30
P/B Ratio
5.01
P/TB Ratio
8.10
P/OCF Ratio
0.41
P/FCF Ratio
0.41
Enterprise Value
$-4M
EV / EBITDA
—
EV / Sales
-0.37
EV / FCF
1.11
FCF Yield
-691.0%
Shareholder Yield
-26.6%
R&D Yield
16.7%
Capex Yield
2.4%
Operating Leverage
—
Graham Number
—
Shares Variation (YoY)
212.4%
Beta (5Y)
1.46
Cost of Equity
11.8%
Cost of Debt (after tax)
—
52W High
$61
52W Low
$6
Trailing Return 1Y
-88.4%
Trailing Return 5Y
-99.7%
F-Score (Piotroski)
3.00
Z-Score (Altman)
-23.24
Earnings Forecasts
Per-quarter consensus estimates + actuals + beat/miss surprise. Sourced from Finnhub (Wall Street consensus aggregation).
Source caveat: Finnhub free tier returns the consensus mean only — analyst high / low / dispersion + analyst counts require a paid plan. A "$5.00 consensus" line above could mean "20 analysts at exactly $5" (high conviction) or "10 at $5.50, 10 at $4.50" (split). Treat single-line consensus accordingly.
EPS — Consensus vs Actual
Revenue — Consensus vs Actual
Beat / Miss vs Estimate
Stock Price on Earnings Dates
RYVYL INC. — Effective Tax Rate ReconciliationNEW
Bridges from the federal statutory rate (21% post-TCJA) to the effective tax rate via the issuer's tax-note reconciliation lines. Sourced from EffectiveIncomeTaxRateReconciliation* flat CompanyFacts concepts. Conditional lines (R&D credits, FDII, SBC, valuation allowance, etc.) only render when the issuer discloses them. Persistent divergence between accrual tax expense and cash taxes paid is a leading signal for deferred-tax buildup.
Effective Rate Trend
| Reconciliation Line | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Federal Statutory Rate | 21.00% | 21.00% | 21.00% | 21.00% | 21.00% | 21.00% |
| State & Local Income Taxes | — | — | — | — | — | — |
| Foreign Rate Differential | — | — | — | — | — | — |
| Other Adjustments | — | — | — | — | — | — |
| Valuation Allowance Change | -21.00% | — | — | — | — | — |
| Effective Tax Rate | 0.00% | — | — | — | — | — |
Cash vs Accrual
| Item | FY2020 | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 |
|---|---|---|---|---|---|---|
| Income Tax Expense (Accrual) | — | $4.9K | −$8.0K | $289.0K | $390.0K | $318.0K |
| Income Taxes Paid (Cash) | $800 | — | — | $199.0K | $848.0K | $761.0K |
RYVYL INC. — M&A AcquisitionsNEW
Per-deal acquisition disclosures sourced from us-gaap:BusinessAcquisitionAxis dimensional XBRL. Each card surfaces the deal's purchase-price allocation (goodwill vs intangibles vs liabilities), contingent consideration (unpaid earn-outs), and pro-forma combined-entity numbers. Probability-of-Success (PoS) factor on biotech targets is the ASC 805 contingent-consideration valuation — higher = closer to commercialization, higher implied target value.