Ryvyl (NASDAQ:RVYL – Get Free Report) and Repay (NASDAQ:RPAY – Get Free Report) are both small-cap business services companies, but which is the better investment? We will contrast the two businesses based on the strength of their valuation, risk, earnings, dividends, analyst recommendations, institutional ownership and profitability.
Profitability
This table compares Ryvyl and Repay’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Ryvyl | -36.89% | -565.67% | -21.79% |
| Repay | -39.08% | 9.04% | 4.33% |
Valuation and Earnings
This table compares Ryvyl and Repay”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Ryvyl | $56.00 million | 0.21 | -$26.83 million | ($1.50) | -0.21 |
| Repay | $313.04 million | 0.97 | -$10.16 million | ($1.37) | -2.43 |
Repay has higher revenue and earnings than Ryvyl. Repay is trading at a lower price-to-earnings ratio than Ryvyl, indicating that it is currently the more affordable of the two stocks.
Analyst Ratings
This is a summary of current ratings and recommmendations for Ryvyl and Repay, as reported by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Ryvyl | 1 | 1 | 0 | 0 | 1.50 |
| Repay | 1 | 5 | 5 | 0 | 2.36 |
Repay has a consensus price target of $6.92, indicating a potential upside of 107.71%. Given Repay’s stronger consensus rating and higher possible upside, analysts plainly believe Repay is more favorable than Ryvyl.
Institutional & Insider Ownership
17.4% of Ryvyl shares are held by institutional investors. Comparatively, 82.7% of Repay shares are held by institutional investors. 7.1% of Ryvyl shares are held by insiders. Comparatively, 12.0% of Repay shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Risk & Volatility
Ryvyl has a beta of 4.14, meaning that its stock price is 314% more volatile than the S&P 500. Comparatively, Repay has a beta of 1.6, meaning that its stock price is 60% more volatile than the S&P 500.
Summary
Repay beats Ryvyl on 11 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 Repay
Repay Holdings Corporation, payments technology company, provides integrated payment processing solutions to industry-oriented markets in the United States. It operates through two segments: Consumer Payments and Business Payments. The company's payment processing solutions enable consumers and businesses to make payments using electronic payment methods. It also offers a range of solutions relating to electronic payment methods, including credit and debit card processing, automated clearing house (ACH) processing, e-cash, and digital wallet services; virtual credit card processing, enhanced ACH processing, instant funding, clearing and settlement, and communication solutions; and proprietary payment channels that include Web-based, virtual terminal, online client portal, mobile application, text-to-pay, interactive voice response, and point of sale services. It serves customers primarily operating in the personal loans, automotive loans, receivables management, and business-to-business verticals through direct sales representatives and software integration partners. The company was founded in 2006 and is headquartered in Atlanta, Georgia.
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