Ryvyl Inc
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, inc… Read more
Ryvyl Inc (RVYL) - Net Assets
Latest net assets as of September 2025: $-3.22 Million USD
Based on the latest financial reports, Ryvyl Inc (RVYL) has net assets worth $-3.22 Million USD as of September 2025.
Net assets (also known as shareholders' equity or book value) represent the difference between a company's total assets ($23.41 Million) and total liabilities ($26.64 Million). This figure indicates the residual interest in the assets after deducting liabilities, essentially showing what would remain for shareholders if all assets were liquidated and all debts paid off.
Key Net Assets Metrics
| Metric | Value |
|---|---|
| Current Net Assets | $-3.22 Million |
| % of Total Assets | -13.76% |
| Annual Growth Rate | N/A |
| 5-Year Change | -487.3% |
| 10-Year Change | N/A |
| Growth Volatility | 3609.01 |
Ryvyl Inc - Net Assets Trend (2008–2024)
This chart illustrates how Ryvyl Inc's net assets have evolved over time, based on quarterly financial data. Explore and compare other companies by net assets.
Annual Net Assets for Ryvyl Inc (2008–2024)
The table below shows the annual net assets of Ryvyl Inc from 2008 to 2024.
| Year | Net Assets | Change |
|---|---|---|
| 2024-12-31 | $-1.49 Million | -106.35% |
| 2023-12-31 | $23.49 Million | +1321.61% |
| 2022-12-31 | $-1.92 Million | -106.53% |
| 2021-12-31 | $29.47 Million | +7549.43% |
| 2020-12-31 | $385.24K | +107.18% |
| 2019-12-31 | $-5.37 Million | -3070.61% |
| 2018-12-31 | $-169.28K | +67.72% |
| 2017-12-31 | $-524.38K | +14.58% |
| 2016-12-31 | $-613.86K | +8.61% |
| 2015-12-31 | $-671.71K | +27.94% |
| 2014-12-31 | $-932.19K | +3.75% |
| 2013-12-31 | $-968.55K | +44.42% |
| 2012-12-31 | $-1.74 Million | +3.05% |
| 2011-12-31 | $-1.80 Million | +8.50% |
| 2010-12-31 | $-1.96 Million | -38.84% |
| 2009-12-31 | $-1.41 Million | -24.67% |
| 2008-12-31 | $-1.13 Million | -- |
Equity Component Analysis
This analysis shows how different components contribute to Ryvyl Inc's total equity over time. Equity components include common stock, retained earnings, additional paid-in capital, and other elements.
Equity Composition Insights
- Retained earnings have decreased by 17938969800.0% over the analyzed period, potentially due to dividend distributions or operating losses.
Current Equity Component Breakdown (December 2024)
| Component | Amount | Percentage |
|---|---|---|
| Common Stock | $8.00K | % |
| Other Comprehensive Income | $-1.25 Million | % |
| Other Components | $179.16 Million | % |
| Total Equity | $-1.49 Million | 100.00% |
Ryvyl Inc Competitors by Market Cap
The table below lists competitors of Ryvyl Inc ranked by their market capitalization.
| Company | Market Cap |
|---|---|
|
Bcal Diagnostics Ltd
AU:BDX
|
$10.33 Million |
|
Jindo.Co. Ltd
KO:088790
|
$10.33 Million |
|
Minesto AB
ST:MINEST
|
$10.33 Million |
|
Proud Real Estate Public Company Limited
BK:PROUD
|
$10.33 Million |
|
REMSleep Holdings Inc
OTCQB:RMSL
|
$10.32 Million |
|
Koroplast Temizlik Ambalaj Urunleri San. ve Dis Ticaret A.S.
IS:KRPLS
|
$10.32 Million |
|
Vinalink International Freight Forwarders
VN:VNL
|
$10.32 Million |
|
Pintaras Jaya Bhd
KLSE:9598
|
$10.32 Million |
Equity Growth Attribution
This analysis shows how different factors contributed to changes in Ryvyl Inc's equity between the two most recent reporting periods.
Equity Growth Insights
- From 2023 to 2024, total equity changed from 23,491,000 to -1,492,000, a change of -24,983,000 (-106.4%).
- Net loss of 26,825,000 reduced equity.
- Share repurchases of 229,000 reduced equity.
- Other comprehensive income decreased equity by 1,652,000.
- Other factors increased equity by 3,723,000.
Equity Change Factors (2023 to 2024)
| Factor | Impact | Contribution |
|---|---|---|
| Net Income | $-26.82 Million | -1797.92% |
| Share Repurchases | $229.00K | -15.35% |
| Other Comprehensive Income | $-1.65 Million | -110.72% |
| Other Changes | $3.72 Million | +249.53% |
| Total Change | $- | -106.35% |
Book Value vs Market Value Analysis
This analysis compares Ryvyl Inc's book value (net assets) with its market value over time. The relationship between these values can provide insights into investor sentiment and company valuation.
Valuation Insights
Historical Price-to-Book Ratios
| Date | Book Value per Share | Market Price | P/B Ratio |
|---|---|---|---|
| 2008-12-31 | $-27.38 | $5.76 | x |
| 2009-12-31 | $-34.13 | $5.76 | x |
| 2010-12-31 | $-47.39 | $5.76 | x |
| 2011-12-31 | $-43.36 | $5.76 | x |
| 2012-12-31 | $-42.04 | $5.76 | x |
| 2013-12-31 | $-14.56 | $5.76 | x |
| 2014-12-31 | $-13.55 | $5.76 | x |
| 2015-12-31 | $-9.76 | $5.76 | x |
| 2016-12-31 | $-8.92 | $5.76 | x |
| 2017-12-31 | $-7.26 | $5.76 | x |
| 2018-12-31 | $-2.19 | $5.76 | x |
| 2019-12-31 | $-67.16 | $5.76 | x |
| 2020-12-31 | $4.51 | $5.76 | x |
| 2021-12-31 | $253.36 | $5.76 | x |
| 2022-12-31 | $-0.42 | $5.76 | x |
| 2023-12-31 | $156.55 | $5.76 | x |
| 2024-12-31 | $-7.80 | $5.76 | x |
Capital Efficiency Dashboard
This dashboard shows how efficiently Ryvyl Inc utilizes its equity to generate returns, including Return on Equity (ROE) and its components based on the DuPont analysis framework.
Capital Efficiency Insights
- Current Return on Equity (ROE): 0.00%
- The company may be facing challenges in efficiently utilizing shareholder equity.
- DuPont Analysis Breakdown:
- • Net Profit Margin: -47.90%
- • Asset Turnover: 0.46x
- • Equity Multiplier: 0.00x
- Recent ROE (0.00%) is above the historical average (-96.80%), indicating improving capital efficiency.
Historical Capital Efficiency Metrics
| Year | Return on Equity | Net Profit Margin | Asset Turnover | Equity Multiplier | Economic Value Added |
|---|---|---|---|---|---|
| 2008 | 0.00% | 5.53% | 5.13x | 0.00x | $171.20K |
| 2009 | 0.00% | -128.72% | 0.80x | 0.00x | $-138.52K |
| 2010 | 0.00% | -697.33% | 0.31x | 0.00x | $-353.15K |
| 2011 | 0.00% | 29.62% | 3.11x | 0.00x | $346.82K |
| 2012 | 0.00% | 11.11% | 8.17x | 0.00x | $229.05K |
| 2013 | 0.00% | 31.63% | 7.23x | 0.00x | $641.19K |
| 2014 | 0.00% | 1.30% | 30.16x | 0.00x | $129.58K |
| 2015 | 0.00% | 12.29% | 9.91x | 0.00x | $327.65K |
| 2016 | 0.00% | 3.37% | 13.94x | 0.00x | $119.24K |
| 2017 | 0.00% | 4.19% | 11.24x | 0.00x | $141.91K |
| 2018 | 0.00% | -3.75% | 1.21x | 0.00x | $-17.26K |
| 2019 | 0.00% | -46.83% | 0.81x | 0.00x | $-4.15 Million |
| 2020 | -1299.82% | -58.74% | 0.70x | 31.83x | $-5.05 Million |
| 2021 | -119.70% | -134.10% | 0.23x | 3.87x | $-38.22 Million |
| 2022 | 0.00% | -149.61% | 0.34x | 0.00x | $-49.04 Million |
| 2023 | -226.05% | -80.62% | 0.51x | 5.48x | $-55.45 Million |
| 2024 | 0.00% | -47.90% | 0.46x | 0.00x | $-26.68 Million |
Industry Comparison
This section compares Ryvyl Inc's net assets metrics with peer companies in the Software - Infrastructure industry.
Industry Context
- Industry: Software - Infrastructure
- Average net assets among peers: $237,144,588
- Average return on equity (ROE) among peers: -85.78%
Peer Company Comparison
| Company | Net Assets | Return on Equity | Debt-to-Equity | Market Cap |
|---|---|---|---|---|
| Ryvyl Inc (RVYL) | $-3.22 Million | 0.00% | N/A | $10.33 Million |
| Automatic Bank Services Limited (ABANF) | $231.37 Million | 16.52% | 0.19x | $269.02 Million |
| ACI Worldwide Inc (ACIW) | $76.50 Million | 16.47% | 0.61x | $4.01 Billion |
| Adyen N.V (ADYYF) | $389.78 Million | 18.29% | 1.92x | $34.24 Billion |
| Aeva Technologies, Inc. Common Stock (AEVA) | $99.35 Million | -153.25% | 0.48x | $418.95 Million |
| Aeva Technologies, Inc. Warrants (AEVAW) | $456.38 Million | -22.32% | 0.05x | $3.74 Million |
| Affluence Corporation (AFFU) | $-639.00K | 0.00% | 0.00x | $3.98K |
| Axe Compute Inc. (AGPU) | $923.68K | -706.52% | 2.04x | $2.86 Million |
| C3 Ai Inc (AI) | $838.30 Million | -34.44% | 0.22x | $1.15 Billion |
| iLearningEngines, Inc. (AILE) | $264.32 Million | 1.83% | 0.09x | $17.39 Million |
| PowerFleet, Inc. (AIOT) | $15.17 Million | 5.61% | 0.31x | $383.57 Million |