Ryvyl (NASDAQ:RVYL – Get Free Report) and FirstCash (NASDAQ:FCFS – Get Free Report) are both business services companies, but which is the superior business? We will contrast the two companies based on the strength of their risk, dividends, profitability, analyst recommendations, valuation, institutional ownership and earnings.
Valuation and Earnings
This table compares Ryvyl and FirstCash”s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Ryvyl | $56.00 million | 0.05 | -$26.83 million | ($8.52) | -0.04 |
| FirstCash | $3.39 billion | 1.73 | $258.82 million | $6.25 | 21.19 |
Insider & Institutional Ownership
17.4% of Ryvyl shares are held by institutional investors. Comparatively, 80.3% of FirstCash shares are held by institutional investors. 30.8% of Ryvyl shares are held by company insiders. Comparatively, 2.9% of FirstCash shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company is poised for long-term growth.
Analyst Ratings
This is a breakdown of current recommendations and price targets for Ryvyl and FirstCash, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Ryvyl | 0 | 1 | 0 | 0 | 2.00 |
| FirstCash | 0 | 0 | 2 | 0 | 3.00 |
FirstCash has a consensus target price of $133.50, indicating a potential upside of 0.82%. Given FirstCash’s stronger consensus rating and higher possible upside, analysts plainly believe FirstCash is more favorable than Ryvyl.
Profitability
This table compares Ryvyl and FirstCash’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Ryvyl | -49.47% | -655.77% | -14.58% |
| FirstCash | 8.29% | 16.08% | 7.38% |
Risk and Volatility
Ryvyl has a beta of 4.1, meaning that its stock price is 310% more volatile than the S&P 500. Comparatively, FirstCash has a beta of 0.62, meaning that its stock price is 38% less volatile than the S&P 500.
Summary
FirstCash beats Ryvyl on 12 of the 14 factors compared between the two stocks.
About Ryvyl
Ryvyl Inc., a technology company, engages in the development, marketing, and sale of blockchain-based payment solutions in North America, Europe, and Asia. The company's blockchain-based systems facilitate, record, and store a volume of tokenized assets representing cash or data on a blockchain-based ledger. Its products include QuickCard Payment System, a physical and virtual payment card processing management system, including software that facilitates on and off ramp e-wallet management; Coyni, a digital token platform, which offers custodial assurance by utilizing its stable coin and blockchain technology in a closed-loop ecosystem; and ChargeSavvy, an end-to-end POS solution comprising software and hardware for the restaurant and hospitality industry. It serves customers in various industries, including foreign exchange, retail, and e-commerce sectors. The company was formerly known as GreenBox POS and changed its name to Ryvyl Inc. in October 2022. Ryvyl Inc. is based in San Diego, California.
About FirstCash
FirstCash Holdings, Inc, together with its subsidiaries, operates retail pawn stores in the United States, Mexico, and rest of Latin America. The company operates in three segments: U.S. Pawn, Latin America Pawn, and Retail POS Payment Solutions segments. Its pawn stores lend money on the collateral of pledged personal property, including jewelry, electronics, tools, appliances, sporting goods, and musical instruments; and retails merchandise acquired through collateral forfeitures on forfeited pawn loans and over-the-counter purchases of merchandise directly from customers. The company also provides retail POS payment solutions, which focuses on LTO products and facilitating other retail financing payment options across the network of traditional and e-commerce merchant partners. It serves cash and credit-constrained consumers. The company was formerly known as FirstCash, Inc and changed its name to FirstCash Holdings, Inc. in December 2021. FirstCash Holdings, Inc was incorporated in 1988 and is headquartered in Fort Worth, Texas.
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