Ryvyl (NASDAQ:RVYL) versus Sezzle (NASDAQ:SEZL) Head-To-Head Contrast

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

Insider & Institutional Ownership

2.0% of Sezzle shares are held by institutional investors. Comparatively, 17.4% of Ryvyl shares are held by institutional investors. 49.5% of Sezzle shares are held by insiders. Comparatively, 12.4% of Ryvyl shares are held by insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a stock will outperform the market over the long term.

Volatility and Risk

Sezzle has a beta of 8.68, indicating that its share price is 768% more volatile than the S&P 500. Comparatively, Ryvyl has a beta of 2.79, indicating that its share price is 179% more volatile than the S&P 500.

Analyst Recommendations

This is a summary of current ratings and recommmendations for Sezzle and Ryvyl, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Sezzle	0	3	2	0	2.40
Ryvyl	1	1	0	0	1.50

Sezzle presently has a consensus target price of $126.25, suggesting a potential upside of 94.20%. Given Sezzle’s stronger consensus rating and higher possible upside, equities analysts clearly believe Sezzle is more favorable than Ryvyl.

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Sezzle	$418.63 million	5.30	$78.52 million	$3.23	20.13
Ryvyl	$56.00 million	0.11	-$26.83 million	($1.04)	-0.17

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Sezzle	27.66%	90.06%	34.22%
Ryvyl	-36.89%	-522.95%	-21.79%

Summary

Sezzle beats Ryvyl on 13 of the 14 factors compared between the two stocks.

About Sezzle

Sezzle Inc. operates as a technology-enabled payments company primarily in the United States and Canada. The company provides payment solution in-store and at online retail stores; and through proprietary payments solution that connects consumers with merchants. It also offers Sezzle Platform that provides a payments solution for consumers that extends credit at the point-of-sale allowing consumers to purchase and receive the ordered merchandise at the time of sale while paying in installments over time; Pay-in-Four, which allows consumers to pay a fourth of the purchase price up front and then another fourth of the purchase price every two weeks thereafter over a total of six weeks; Pay-in-Full that allows consumers to pay for the full value of their order up-front through the Sezzle Platform without the extension of credit; and Pay-in-Two and other alternative installment options, which allow consumer to pay half of the value of their order up-front and the second half in two weeks. In addition, the company provides Sezzle Virtual Card that allows consumers to access the Sezzle Platform in the form of close-end installment loans and shop with merchants that are not integrated with Sezzle; Sezzle Anywhere, a paid subscription service that allows consumers to use their Sezzle Virtual Card at any merchant online or in-store; Sezzle Premium, a paid subscription service that allows its consumers to access large, non-integrated premium merchants; and Sezzle Up, an opt-in feature of the Sezzle Platform. Further, it offers Long-Term Lending through collaboration with third-party lenders and Product Innovation. Sezzle Inc. was incorporated in 2016 and is headquartered in Minneapolis, Minnesota.

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.