Ryvyl
Payment acceptance and disbursement tools for underserved merchants.
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Profile
RYVYL provides payment acceptance, merchant onboarding, risk monitoring, and disbursement tools, mainly through acquiring-bank and processor partnerships. Its near-term profile also depends on a pending RTB Digital merger and Nasdaq listing conditions.
RYVYL Inc. is a San Diego financial technology company focused on card acceptance and business disbursement workflows. Its core revenue comes from credit card payment services enabled through acquiring banks, processors, and its BIN sponsorship arrangement; internally it handles merchant application review, underwriting, onboarding, risk monitoring, and customer support. The company targets underserved and higher-risk merchant categories, including retail, independent education, insurance, and adult entertainment, where onboarding and compliance needs can be more complex.
RYVYL also offers NEMS Core, a global disbursements platform launched in late 2024, and website materials describe payment, disbursement, and white-label API solutions for U.S. and Canadian processing. A shareholder-approved merger with RTB Digital, also known as Roundtable, remains a major strategic dependency and would shift the combined company toward Roundtable's digital media SaaS platform if completed and listed.
Company facts
Key statistics
Year to date −33.5% · Average volume (30d) 172.3K
Analysts
No analyst consensus on record.
Earnings
EPS
Revenue
History
| Report date | EPS est | EPS | Surprise | Revenue est | Revenue | Surprise | Next session |
|---|---|---|---|---|---|---|---|
| May 13, 2026Q1 FY26 | $2.10 | −$2.67 | −227.1% | $25.3M | $2.5M | −90.0% | −12.50% |
| Feb 13, 2026Q4 FY25 | −$2.80 | −$4.25 | −51.8% | $3.0M | $2.8M | −6.9% | −3.48% |
| Nov 14, 2025Q3 FY25 | −$4.55 | −$2.45 | +46.2% | $3.0M | $2.8M | −7.1% | +15.98% |
| Aug 14, 2025Q2 FY25 | −$0.27 | −$0.68 | −151.9% | $17.1M | $2.8M | −83.7% | −5.26% |
Financial highlights
| 12 quarters | Q1 FY25 | Q2 FY25 | Q3 FY25 | Q4 FY25 | Q1 FY26 | Q2 FY26 | |
|---|---|---|---|---|---|---|---|
| Revenue | $15.1M | $2.8M | $2.8M | $2.8M | $2.5M | $2.3M | |
| Gross profit | $6.7M | $1.2M | $1.4M | $1.3M | $1.1M | $871.0K | |
| Operating income | −$848.0K | −$3.3M | −$1.8M | −$2.2M | −$3.0M | −$8.9M | |
| Net income | −$2.8M | −$8.4M | −$2.0M | −$4.4M | −$3.3M | −$9.6M | |
| Diluted EPS | −$11.55 | −$28.00 | −$2.39 | −$4.25 | −$2.67 | −$1.24 | |
| Gross margin | 44.4% | 43.8% | 50.0% | 47.5% | 44.2% | 37.4% | |
| Operating margin | -5.6% | -118.1% | -65.0% | -78.6% | -120.0% | -383.6% |
Fiscal years (4-quarter sums)FY21 $26.3M · FY22 $32.9M · FY23 $65.9M · FY24 $56.0M · FY25 $23.5M
Revenue by geography · FY24
Balance sheet, Jun 30, 2026Cash & short-term investments $587.0K · Total debt $1.9M · Total assets $44.1M · Shareholders' equity $30.3M
Dividends
No dividends on record.
Ownership
Shares outstanding 597.5K · Float 265.4K
This issuer lists more than one class and the share count spans them all, so a stake here reads as a share of the whole company, not of this class.
Insider tradesForm 4
Nothing filed in the last 12 months.
View detailsPeers
Not reported.