Ryvyl (NASDAQ:RVYL – Get Free Report) and Expensify (NASDAQ:EXFY – 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 earnings, institutional ownership, dividends, risk, valuation, profitability and analyst recommendations.
Earnings & Valuation
This table compares Ryvyl and Expensify”s top-line revenue, earnings per share and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| Ryvyl | $56.00 million | 0.14 | -$26.83 million | ($1.04) | -0.21 |
| Expensify | $139.24 million | 0.88 | -$10.06 million | ($0.17) | -8.88 |
Analyst Recommendations
This is a summary of recent ratings and recommmendations for Ryvyl and Expensify, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| Ryvyl | 1 | 1 | 0 | 0 | 1.50 |
| Expensify | 1 | 1 | 1 | 0 | 2.00 |
Expensify has a consensus target price of $3.50, suggesting a potential upside of 131.79%. Given Expensify’s stronger consensus rating and higher possible upside, analysts clearly believe Expensify is more favorable than Ryvyl.
Profitability
This table compares Ryvyl and Expensify’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| Ryvyl | -36.89% | -522.95% | -21.79% |
| Expensify | -10.83% | -11.75% | -8.46% |
Institutional and Insider Ownership
17.4% of Ryvyl shares are held by institutional investors. Comparatively, 68.4% of Expensify shares are held by institutional investors. 12.4% of Ryvyl shares are held by insiders. Comparatively, 17.3% of Expensify shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company will outperform the market over the long term.
Risk & Volatility
Ryvyl has a beta of 2.79, meaning that its stock price is 179% more volatile than the S&P 500. Comparatively, Expensify has a beta of 1.69, meaning that its stock price is 69% more volatile than the S&P 500.
Summary
Expensify 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 Expensify
Expensify, Inc. provides a cloud-based expense management software platform to individuals and corporations, small and midsized businesses, and enterprises in the United States and internationally. The company’s platform enables users to manage corporate cards, pay bills, generate invoices, collect payments, and book travel. It also offers track and submit plans for individuals. The company was founded in 2008 and is based in Portland, Oregon.
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