Ryvyl (NASDAQ:RVYL) vs. Mercurity Fintech (NASDAQ:MFH) Head-To-Head Contrast

Ryvyl (NASDAQ:RVYL) and Mercurity Fintech (NASDAQ:MFH) are both small-cap business services companies, but which is the superior stock? We will compare the two companies based on the strength of their earnings, institutional ownership, dividends, risk, valuation, profitability and analyst recommendations.

Analyst Ratings

This is a breakdown of current ratings and target prices for Ryvyl and Mercurity Fintech, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ryvyl	0	1	0	0	2.00
Mercurity Fintech	0	0	0	0	0.00

Profitability

This table compares Ryvyl and Mercurity Fintech’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Ryvyl	-42.81%	-565.67%	-18.69%
Mercurity Fintech	N/A	N/A	N/A

Insider and Institutional Ownership

17.4% of Ryvyl shares are held by institutional investors. Comparatively, 30.8% of Mercurity Fintech shares are held by institutional investors. 30.8% of Ryvyl shares are held by company insiders. Comparatively, 62.8% of Mercurity Fintech 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.

Earnings & Valuation

This table compares Ryvyl and Mercurity Fintech”s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ryvyl	$56.00 million	0.16	-$26.83 million	($8.52)	-0.03
Mercurity Fintech	$1.01 million	549.22	-$4.53 million	N/A	N/A

Mercurity Fintech has lower revenue, but higher earnings than Ryvyl.

Risk and Volatility

Ryvyl has a beta of 3.68, meaning that its share price is 268% more volatile than the S&P 500. Comparatively, Mercurity Fintech has a beta of 3.89, meaning that its share price is 289% more volatile than the S&P 500.

Summary

Mercurity Fintech beats Ryvyl on 8 of the 10 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 Mercurity Fintech

Mercurity Fintech Holding Inc. operates as a fintech company powered by blockchain. The company provides digital asset trading infrastructure solutions based on internet and blockchain technologies for cryptocurrency traders; and asset digitalization platform, which offers blockchain-based digitalization solutions for traditional assets, such as fiat currencies, bonds, and precious metals. It also offers cryptocurrency mining services that provides computing power to the mining pool; and digital consultation services, such as digital payment solutions, asset management, and online and traditional brokerage services. The company was formerly known as JMU Limited and changed its name to Mercurity Fintech Holding Inc. in April 2020. Mercurity Fintech Holding Inc. was incorporated in 2011 and is headquartered in New York, New York.