Global Payments (NYSE:GPN) and Ryvyl (NASDAQ:RVYL) Financial Contrast

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

Insider and Institutional Ownership

89.8% of Global Payments shares are owned by institutional investors. Comparatively, 17.4% of Ryvyl shares are owned by institutional investors. 0.6% of Global Payments shares are owned by company insiders. Comparatively, 12.4% of Ryvyl shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a stock will outperform the market over the long term.

Volatility & Risk

Global Payments has a beta of 0.76, suggesting that its stock price is 24% less volatile than the S&P 500. Comparatively, Ryvyl has a beta of 2.61, suggesting that its stock price is 161% more volatile than the S&P 500.

Earnings and Valuation

This table compares Global Payments and Ryvyl”s gross revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Global Payments	$7.71 billion	2.44	$1.40 billion	$5.79	11.77
Ryvyl	$56.00 million	0.14	-$26.83 million	($36.37)	-0.17

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Global Payments	16.92%	12.72%	5.99%
Ryvyl	-36.89%	N/A	-21.79%

Analyst Ratings

This is a summary of recent ratings and recommmendations for Global Payments and Ryvyl, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Global Payments	2	16	6	1	2.24
Ryvyl	1	1	0	0	1.50

Global Payments presently has a consensus target price of $88.05, suggesting a potential upside of 29.14%. Given Global Payments’ stronger consensus rating and higher probable upside, research analysts clearly believe Global Payments is more favorable than Ryvyl.

Summary

Global Payments beats Ryvyl on 13 of the 15 factors compared between the two stocks.

About Global Payments

Global Payments Inc. provides payment technology and software solutions for card, check, and digital-based payments in the Americas, Europe, and the Asia-Pacific. It operates through two segments, Merchant Solutions and Issuer Solutions. The Merchant Solutions segment offers authorization, settlement and funding, customer support, chargeback resolution, terminal rental, sales and deployment, payment security, and consolidated billing and reporting services. This segment also provides an array of enterprise software solutions that streamline business operations of its customers in various vertical markets; and value-added solutions and services, such as point-of-sale software, analytics and customer engagement, payroll and reporting, and human capital management. The Issuer Solutions segment offers solutions that enable financial institutions and retailers to manage their card portfolios through a platform; and commercial payments, account payables, and electronic payment alternatives solutions for businesses and governments. It markets its products and services through direct sales force, trade associations, agent and enterprise software providers, referral arrangements with value-added resellers, and independent sales organizations. The company was founded in 1967 and is headquartered in Atlanta, Georgia.

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.