Comparing Remitly Global (NASDAQ:RELY) & Ryvyl (NASDAQ:RVYL)

Remitly Global (NASDAQ:RELY) and Ryvyl (NASDAQ:RVYL) are both business services companies, but which is the better stock? We will contrast the two companies based on the strength of their profitability, institutional ownership, valuation, earnings, dividends, analyst recommendations and risk.

Risk & Volatility

Remitly Global has a beta of 0.1, suggesting that its share price is 90% less volatile than the S&P 500. Comparatively, Ryvyl has a beta of 4.14, suggesting that its share price is 314% more volatile than the S&P 500.

Analyst Ratings

This is a summary of current ratings for Remitly Global and Ryvyl, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Remitly Global	0	2	8	1	2.91
Ryvyl	1	1	0	0	1.50

Remitly Global presently has a consensus price target of $25.88, indicating a potential upside of 91.23%. Given Remitly Global’s stronger consensus rating and higher possible upside, equities analysts clearly believe Remitly Global is more favorable than Ryvyl.

Institutional & Insider Ownership

74.3% of Remitly Global shares are held by institutional investors. Comparatively, 17.4% of Ryvyl shares are held by institutional investors. 7.5% of Remitly Global shares are held by company insiders. Comparatively, 12.4% of Ryvyl shares are held by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Valuation & Earnings

This table compares Remitly Global and Ryvyl”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Remitly Global	$1.26 billion	2.24	-$36.98 million	$0.09	150.34
Ryvyl	$56.00 million	0.24	-$26.83 million	($1.04)	-0.36

Ryvyl has lower revenue, but higher earnings than Remitly Global. Ryvyl is trading at a lower price-to-earnings ratio than Remitly Global, indicating that it is currently the more affordable of the two stocks.

Profitability

This table compares Remitly Global and Ryvyl’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Remitly Global	1.36%	3.12%	2.05%
Ryvyl	-36.89%	-522.95%	-21.79%

Summary

Remitly Global beats Ryvyl on 12 of the 15 factors compared between the two stocks.

About Remitly Global

Remitly Global, Inc. provides digital financial services for immigrants and their families. It primarily offers cross-border remittance services in approximately 170 countries. The company was incorporated in 2011 and is headquartered in Seattle, Washington.

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.