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Ryvyl Past Earnings Performance
Past criteria checks 0/6
Ryvyl's earnings have been declining at an average annual rate of -3.3%, while the Diversified Financial industry saw earnings growing at 13.6% annually. Revenues have been growing at an average rate of 16.1% per year.
Key information
-3.32%
Earnings growth rate
10.05%
EPS growth rate
| Diversified Financial Industry Growth | 6.15% |
| Revenue growth rate | 16.08% |
| Return on equity | -2,403.29% |
| Net Margin | -144.23% |
| Last Earnings Update | 31 Dec 2025 |
Recent past performance updates
Recent updates
Analysis Article • Aug 18
Many Still Looking Away From Ryvyl Inc. (NASDAQ:RVYL)
NasdaqCM:RVYL 1 Year Share Price vs Fair Value Explore Ryvyl's Fair Values from the Community and select yours With a...
New Narrative • Apr 18
Visa Direct Integration And European Partnerships Will Unlock New Markets
Strong international growth and European partnerships will drive revenue impact, with strategic expansions leveraging Visa's network boosting transaction volumes.Analysis Article • Mar 10
Take Care Before Jumping Onto Ryvyl Inc. (NASDAQ:RVYL) Even Though It's 29% Cheaper
Unfortunately for some shareholders, the Ryvyl Inc. ( NASDAQ:RVYL ) share price has dived 29% in the last thirty days...Analysis Article • Jan 23
A Piece Of The Puzzle Missing From Ryvyl Inc.'s (NASDAQ:RVYL) 27% Share Price Climb
Ryvyl Inc. ( NASDAQ:RVYL ) shareholders are no doubt pleased to see that the share price has bounced 27% in the last...Analysis Article • Nov 16
Not Many Are Piling Into Ryvyl Inc. (NASDAQ:RVYL) Stock Yet As It Plummets 44%
The Ryvyl Inc. ( NASDAQ:RVYL ) share price has softened a substantial 44% over the previous 30 days, handing back much...Analysis Article • Sep 17
The Market Lifts Ryvyl Inc. (NASDAQ:RVYL) Shares 30% But It Can Do More
Those holding Ryvyl Inc. ( NASDAQ:RVYL ) shares would be relieved that the share price has rebounded 30% in the last...Analysis Article • Jul 30
Ryvyl Inc.'s (NASDAQ:RVYL) Shares Leap 41% Yet They're Still Not Telling The Full Story
Despite an already strong run, Ryvyl Inc. ( NASDAQ:RVYL ) shares have been powering on, with a gain of 41% in the last...Analysis Article • Apr 16
Slammed 48% Ryvyl Inc. (NASDAQ:RVYL) Screens Well Here But There Might Be A Catch
Ryvyl Inc. ( NASDAQ:RVYL ) shareholders that were waiting for something to happen have been dealt a blow with a 48...Analysis Article • Jan 16
Ryvyl Inc. (NASDAQ:RVYL) Stock Rockets 37% But Many Are Still Ignoring The Company
Ryvyl Inc. ( NASDAQ:RVYL ) shareholders have had their patience rewarded with a 37% share price jump in the last month...Analysis Article • Oct 27
Most Shareholders Will Probably Agree With Ryvyl Inc.'s (NASDAQ:RVYL) CEO Compensation
Key Insights Ryvyl to hold its Annual General Meeting on 2nd of November Total pay for CEO Fredi Nisan includes...Analysis Article • Apr 17
A Piece Of The Puzzle Missing From Ryvyl Inc.'s (NASDAQ:RVYL) 120% Share Price Climb
Ryvyl Inc. ( NASDAQ:RVYL ) shareholders are no doubt pleased to see that the share price has bounced 120% in the last...Seeking Alpha • Oct 18
GreenBox POS Faces Cost Squeeze As It Broadens Coverage
Summary GreenBox POS reported Q2 financial results on August 15, 2022. The firm provides an increasing array of payment processing services in the U.S. and internationally. GBOX has seen revenue growth but also rising gateway/ISO fees amid a growing operating cost structure. I'm on Hold for GBOX as operating losses increase. A Quick Take On GreenBox POS GreenBox POS (GBOX) reported its Q2 2022 financial results on August 15, 2022, and produced payment processing volume of $1 billion for the first time. The company provides a range of payment processing and related software and services to businesses in the U.S. and internationally. I'm generally not optimistic on GBOX' business in the face of rising gateway/ISO fees and growing operating expenses, so I'm on hold for GBOX in the near term. GreenBox POS Overview San Diego, California-based GreenBox was founded to develop point of sale, delivery payments and financial management software and related services. Management is headed by Chief Executive Officer, Fredi Nisan, who has been with the firm since 2017 and was previously founder of Firmness and also launched Brava POS. The company's primary offerings include: DEL - delivery app APIs PAY - payment app APIs QuickCard Payment System - cash management POS Solutions - Point of sale hardware/software Loopz Software Solution - mobile delivery service operations Crypto payouts Forex GreenBox POS' Market & Competition According to a 2019 market research report, the market for payment processing services is expected to reach $62.3 billion by 2024. This represents a forecast CAGR of 9.9% from 2019 to 2024. The main drivers for this expected growth are a continued growth in the number of merchants seeking integrated payment processing solutions and the entrance of new market participants with new technology offerings. Major competitive or other industry participants include: PayPal Global Payments Block Wirecard Visa Jack Henry & Associates Paysafe Group Others, crypto GreenBox POS's Recent Financial Performance Total revenue by quarter has risen according to the following chart: 9 Quarter Total Revenue (Seeking Alpha) Gross profit by quarter has varied materially as the chart shows here: 9 Quarter Gross Profit (Seeking Alpha) Selling, G&A expenses as a percentage of total revenue by quarter have risen sharply in recent quarters, a worrying result: 9 Quarter Selling, G&A % Of Revenue (Seeking Alpha) Operating losses by quarter have been significantly negative: 9 Quarter Operating Income (Seeking Alpha) Earnings per share (Diluted) have fluctuated substantially in recent quarters: 9 Quarter Earnings Per Share (Seeking Alpha) (All data in above charts is GAAP) In the past 12 months, GBOX's stock price has fallen 86.4% vs. the U.S. S&P 500 index' drop of around 18%, as the chart below indicates: 52 Week Stock Price (Seeking Alpha) Valuation And Other Metrics For GreenBox POS Below is a table of relevant capitalization and valuation figures for the company: Measure [TTM] Amount Enterprise Value / Sales 2.91 Revenue Growth Rate 57.4% Net Income Margin -88.7% GAAP EBITDA % -84.6% Market Capitalization $46,300,000 Enterprise Value $78,570,000 Operating Cash Flow -$10,400,000 Earnings Per Share (Fully Diluted) -$0.57 (Source - Seeking Alpha) Commentary On GreenBox POS In its last earnings call (Source - Seeking Alpha), covering Q2 2022's results, management highlighted the record processing volume result in excess of $1 billion, double its same quarter resulted in 2021. The firm also continued development of its dollar-backed stablecoin platform, Coyni and made further integration progress from recent M&A activity. GBOX also made progress deploying its digital payment solutions to American Samoa through its relationship with the Territorial Bank of American Samoa, and now has 13% market share. Management believes its recent Transact Europe acquisition will enable delivery of its solutions to Europe and the UK as well as being a 'gateway into the Asian market.' As to its financial results, net revenue rose in the first half of 2022 by 6.6% over the prior year's same period, due to an increase in processing volume.Seeking Alpha • Aug 16
GreenBox appoints Byelick as CFO
GreenBox (NASDAQ:GBOX) has announced the appointment of J. Drew Byelick as the organization’s Chief Financial Officer effectively immediately. In conjunction with the appointment, Ben Chung, the Co.’s Chief Financial Officer, has resigned effective August 16, 2022. Most recently, he was CFO at Aero Components where he improved the organization’s practices and led the divestiture process. GBOX +21.3% premarket to $1.54.Analysis Article • Aug 16
Does GreenBox POS (NASDAQ:GBOX) Have A Healthy Balance Sheet?
The external fund manager backed by Berkshire Hathaway's Charlie Munger, Li Lu, makes no bones about it when he says...Revenue & Expenses Breakdown
Revenue & Expenses Breakdown
How Ryvyl makes and spends money. Based on latest reported earnings, on an LTM basis.
Earnings and Revenue History
| Date | Revenue | Earnings | G+A Expenses | R&D Expenses |
|---|---|---|---|---|
| 31 Dec 25 | 11 | -16 | 14 | 1 |
| 30 Sep 25 | 49 | -13 | 23 | 1 |
| 30 Jun 25 | 49 | -18 | 23 | 2 |
| 31 Mar 25 | 49 | -28 | 25 | 3 |
| 31 Dec 24 | 18 | -33 | 17 | 4 |
| 30 Sep 24 | 38 | -55 | 23 | 4 |
| 30 Jun 24 | 52 | -52 | 26 | 5 |
| 31 Mar 24 | 64 | -49 | 29 | 5 |
| 31 Dec 23 | 66 | -53 | 30 | 6 |
| 30 Sep 23 | 55 | -39 | 28 | 5 |
| 30 Jun 23 | 48 | -52 | 27 | 6 |
| 31 Mar 23 | 40 | -28 | 27 | 6 |
| 31 Dec 22 | 33 | -49 | 27 | 6 |
| 30 Sep 22 | 29 | -49 | 37 | 7 |
| 30 Jun 22 | 26 | -39 | 38 | 6 |
| 31 Mar 22 | 26 | -51 | 35 | 5 |
| 31 Dec 21 | 26 | -35 | 41 | 4 |
| 30 Sep 21 | 22 | -24 | 28 | 3 |
| 30 Jun 21 | 17 | -18 | 22 | 2 |
| 31 Mar 21 | 13 | -13 | 19 | 2 |
| 31 Dec 20 | 9 | -5 | 7 | 1 |
| 30 Sep 20 | -4 | -4 | -2 | 1 |
| 30 Jun 20 | 8 | -2 | 4 | 1 |
| 31 Mar 20 | 9 | -9 | 4 | 1 |
| 31 Dec 19 | 10 | -5 | 3 | 1 |
| 30 Sep 19 | 20 | -2 | 8 | 1 |
| 30 Jun 19 | 5 | -4 | 2 | 1 |
| 31 Mar 19 | 2 | -3 | 2 | 0 |
| 31 Dec 18 | 1 | -2 | 2 | 0 |
| 30 Sep 18 | 0 | -2 | 1 | 0 |
| 30 Jun 18 | 0 | -1 | 1 | 0 |
| 31 Mar 18 | 0 | -1 | 0 | 0 |
Quality Earnings: RVYL is currently unprofitable.
Growing Profit Margin: RVYL is currently unprofitable.
Free Cash Flow vs Earnings Analysis
Past Earnings Growth Analysis
Earnings Trend: RVYL is unprofitable, and losses have increased over the past 5 years at a rate of 3.3% per year.
Accelerating Growth: Unable to compare RVYL's earnings growth over the past year to its 5-year average as it is currently unprofitable
Earnings vs Industry: RVYL is unprofitable, making it difficult to compare its past year earnings growth to the Diversified Financial industry (5.9%).
Return on Equity
High ROE: RVYL has a negative Return on Equity (-2403.29%), as it is currently unprofitable.
Return on Assets
Return on Capital Employed
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Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/12 20:01 |
| End of Day Share Price | 2026/05/12 00:00 |
| Earnings | 2025/12/31 |
| Annual Earnings | 2025/12/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
| |
| Analyst Consensus Estimates | +3 years |
|
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
| |
| Key Developments | 10 years |
|
* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Ryvyl Inc. is covered by 1 analysts. 0 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Kevin Dede | H.C. Wainwright & Co. |