Paymentus (NYSE:PAY) & Ryvyl (NASDAQ:RVYL) Head to Head Review

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

Analyst Recommendations

This is a breakdown of current ratings and recommmendations for Ryvyl and Paymentus, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ryvyl	1	1	0	0	1.50
Paymentus	0	4	3	1	2.63

Paymentus has a consensus target price of $35.33, indicating a potential upside of 42.87%. Given Paymentus’ stronger consensus rating and higher probable upside, analysts clearly believe Paymentus is more favorable than Ryvyl.

Valuation & Earnings

This table compares Ryvyl and Paymentus”s 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	($36.37)	-0.17
Paymentus	$1.20 billion	2.59	$44.17 million	$0.46	53.76

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

Institutional and Insider Ownership

17.4% of Ryvyl shares are held by institutional investors. Comparatively, 78.4% of Paymentus shares are held by institutional investors. 12.4% of Ryvyl shares are held by company insiders. Comparatively, 87.8% of Paymentus shares are held by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Ryvyl	-36.89%	N/A	-21.79%
Paymentus	5.59%	13.24%	11.15%

Risk & Volatility

Ryvyl has a beta of 2.86, meaning that its share price is 186% more volatile than the S&P 500. Comparatively, Paymentus has a beta of 1.49, meaning that its share price is 49% more volatile than the S&P 500.

Summary

Paymentus beats Ryvyl on 14 of the 15 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 Paymentus

Paymentus Holdings, Inc. provides cloud-based bill payment technology and solutions in the United States and internationally. The company offers electronic bill presentment and payment services, enterprise customer communication, and self-service revenue management to billers through a software-as-a-service technology platform. Its platform's payment processing includes credit cards, debit cards, eChecks, and digital wallets. It serves utility, financial service, government, insurance, telecommunication, real estate management, education, consumer finance, healthcare, and small business industries. The company was founded in 2004 and is headquartered in Charlotte, North Carolina.