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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#2611
Positioning
Market Dominance
Services
Business Services
$9M
Fredi Nisan
GreenBox POS engages in the development, marketing, and sale of blockchain-based payment solutions. The company's products include QuickCard Payment System, a physical and virtual cash management system. It serves customers in various industries, including foreign exchange, retail, and e-commerce sectors.
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = RVYL ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$YALA Yalla Group Ltd | 75 | 89 | 99 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GRVY GRAVITY Co., Ltd. | 75 | 82 | 96 | 71 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$ISSC INNOVATIVE SOLUTIONS & SUPPORT INC | 73 | 81 | 88 | 94 | 25.0x | 14.1x | 17.1% | 10.3% | 35.5% | 14.6% | 10.1% | 105.2% | 0.0% | 41.0x | $244M | VS | |
$AER AerCap Holdings N.V. | 72 | 60 | 87 | 84 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$HCSG HEALTHCARE SERVICES GROUP INC | 72 | 74 | 88 | 88 | 7.1x | 6.1x | 28.9% | 20.8% | 20.8% | 9.9% | 9.3% | 8.5% | 0.0% | 1.0x | $1.2B | VS | |
$LQDT LIQUIDITY SERVICES INC | 72 | 90 | 88 | 68 | 24.9x | 14.3x | 14.1% | 8.3% | 45.7% | 8.5% | 6.2% | 28.1% | 0.0% | 0.0x | $736M | VS | |
$TRTNpA Triton International Ltd | 71 | 70 | 89 | 70 | - | 1.7x | 0.0% | - | 97.4% | 58.0% | 37.4% | - | 8.8% | 264.0x | $2.5B | VS | |
$EDU New Oriental Education & Technology Group Inc. | 71 | 83 | 52 | 77 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NTES NetEase, Inc. | 71 | 88 | 93 | 68 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UTI UNIVERSAL TECHNICAL INSTITUTE INC | 70 | 86 | 86 | 72 | 43.2x | 16.0x | 15.3% | 5.8% | 100.0% | 6.9% | 5.2% | 15.1% | 0.0% | 24.0x | $1.8B | VS | |
$RVYL RYVYL Inc. | 46 | 27 | 5 | 98 | - | - | -1287.8% | -78.1% | 44.2% | -52.1% | -107.9% | -76.6% | 0.0% | - | $9M | ||
| SECTOR BENCH | - | - | - | - | - | 23.7x | 11.7x | 5.7% | 2.4% | 64.6% | 4.5% | 2.8% | 8.6% | 0.0% | 0.3x | - | REF |
RYVYL Inc. (RVYL) receives a "Reduce" rating with a composite score of 46.2/100. It ranks #2611 out of 7,333 stocks in our coverage universe and carries a 2-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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Outperforming peers — winners tend to keep winning over 3-12 months
Expensive relative to fundamentals — limited margin of safety
Weak fundamentals — higher risk of value trap
High volatility — wider range of outcomes increases timing risk
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Services sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
No analyst ratings for RVYL.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 27 | 12 | +15ALPHA |
| MOMENTUM | 98 | 100 | -2NEUTRAL |
| VALUATION | 5 | 2 | +3NEUTRAL |
| INVESTMENT | 26 | 19 | +7ALPHA |
| STABILITY | 6 | 2 | +4NEUTRAL |
| SHORT INT | 75 | 89 | -14DRAG |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy -1287.8% (sector 5.7%)
GM 44% vs sector 65%, OM -52% vs sector 5%
Capital turnover N/A, R&D intensity 1.7%
Rev growth -77%, 10yr history
Interest coverage -56.6x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate RYVYL Inc. (RVYL) as a Reduce with a composite score of 46.2/100 at a current price of $6.01. The quantitative profile shows weakness across multiple dimensions, suggesting limited upside potential.
RYVYL Inc. holds a top-quartile position (#0 of 50) within the Services sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 46.2/100 places it at rank #2611 in our full universe.
The near-term outlook is constructive, with revenue growing at -77% and momentum in the 98th percentile confirming positive market sentiment. The combination of strong top-line growth and favorable price dynamics suggests the company is executing well on its growth strategy.
No Moat
Very High
Poor
Fair Value
Gross margins of 44% signal strong pricing power.
Positive momentum indicates institutional accumulation.
Stable competitive position in a defensive sector.
Below-average quality raises earnings sustainability concerns.
Vulnerability to macroeconomic shocks and interest rate volatility.
RYVYL Inc. represents a reduce based on multi-factor quantitative performance.
RYVYL Inc. receives a Reduce rating from our analysis, with a composite score of 46.2/100 and 2 out of 5 stars, ranking #2611 out of 7,333 stocks. RVYL's factor profile shows weakness across multiple dimensions, suggesting the stock may underperform going forward. Existing holders may want to consider trimming positions or tightening stop-losses.
RVYL's quality score of 27/100 is below average, suggesting challenges with profitability or capital efficiency. The company reports a return on equity of -1287.8% (sector avg: 5.7%), gross margins of 44.2% (sector avg: 64.6%), net margins of -107.9% (sector avg: 2.8%). Investors should examine whether management is actively addressing these weaknesses or if they reflect structural industry headwinds.
RVYL registers a value score of just 5/100, suggesting the stock trades at a significant premium to its fundamental metrics. High-premium valuations like this require strong future execution to avoid multiple compression, and downside risk is elevated if growth disappoints.
RYVYL Inc.'s investment score of 26/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of -76.6% vs. a sector average of 8.6% and a return on assets of -78.1% (sector: 2.4%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
RYVYL Inc. (RVYL) is exhibiting exceptional momentum with a score of 98/100, placing it among the strongest trending stocks in the market. Revenue growth stands at -76.6% year-over-year, while a beta of 1.96 reflects its sensitivity to broader market moves. Stocks with momentum scores this high have historically outperformed over the following 3–12 months, suggesting RVYL may continue to benefit from strong institutional interest and positive price trends.
RYVYL Inc. registers a low stability score of 6/100, indicating high volatility and potentially stressed financial conditions. Key stability metrics include a beta of 1.96. Stocks at this level carry elevated capital loss risk and may be unsuitable for conservative portfolios without careful risk management.
RVYL carries a short interest score of 75/100, indicating moderate short selling activity. This is a neutral reading — not enough to signal systemic bearishness, but worth monitoring. Specific risk factors include high market sensitivity (beta: 1.96), micro-cap liquidity risk. At $9M market cap (micro-cap), RYVYL Inc. offers reasonable institutional liquidity.
RYVYL Inc. is a micro-cap company in the Services sector, ranked #0 of 50 in its sector (100th percentile) and #2611 of 7,333 overall (64th percentile). Key comparisons include ROE of -1287.8% trailing the 5.7% sector median and operating margins of -52.1% below the 4.5% sector average. This top-quartile standing reflects exceptional competitive strength relative to Services peers.
While RVYL currently exhibits a REDUCE profile, superior opportunities exist within the SERVICES sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Services Alpha →Quant Factor Profile
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Improvement in Value (5) would have the largest impact on the composite score.
ROE 22536% BELOW SECTOR MEDIAN
Gross Margin 32% BELOW SECTOR MEDIAN
Op. Margin 1257% BELOW SECTOR MEDIAN
Above 50MA
37.18%
Net New Highs
+51081
Monteverde & Associates PC, an M&A class action firm, is investigating four merger transactions: Ventyx Biosciences' sale to Eli Lilly ($14.00/share), Alexander & Baldwin's sale to MW Group and Blackrock-affiliated funds ($21.20/share with shareholder vote on March 9, 2026), Ryvyl Inc.'s sale to RTB Digital, and First Foundation's sale to FirstSun Capital Bancorp (0.16083 shares per share with shareholder vote on February 27, 2026). The firm is seeking shareholders to determine if the proposed deals are fair.
Roundtable CEO James Heckman announced merger partner, RYVYL Inc. (NASDAQ: RVYL), confirmed it received formal notice from NASDAQ, Friday, January 16, confirming the company satisfied Listing Rule 5550(a)(2), surpassing closing bid price requirement and are no longer under review. After completing ...
SAN DIEGO, CA, Jan. 20, 2026 (GLOBE NEWSWIRE) -- RYVYL Inc. (NASDAQ: RVYL) (“RYVYL” or the “Company”), in anticipation of its previously announced merger with RTB Digital, Inc. (“Roundtable”), today announced that it has received formal written confirmation from The Nasdaq Stock Market, LLC (“Nasdaq”) confirming that the Company has regained compliance with Nasdaq’s minimum bid price requirement under Listing Rule 5550(a)(2). To regain compliance, RYVYL’s common stock was required to maintain a
U.S. stock futures declined on Wednesday following a government shutdown, with major indices experiencing premarket drops. Despite the shutdown, historical data suggests limited long-term market impact, and analysts remain cautiously optimistic about market performance in October.
Ryvyl announced a merger with RTB Digital, a Web3 digital media SaaS technology company, with a $41.25 million pre-money enterprise value. The transaction will result in Ryvyl shareholders owning 15.15% of the combined company and pursuing a Bitcoin treasury strategy.