Critical Analysis: Ryvyl (NASDAQ:RVYL) and Worldline (OTCMKTS:WWLNF)

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

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Ryvyl	-36.89%	N/A	-21.79%
Worldline	N/A	N/A	N/A

Analyst Ratings

This is a summary of current ratings and target prices for Ryvyl and Worldline, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ryvyl	1	1	0	0	1.50
Worldline	0	0	0	0	0.00

Institutional and Insider Ownership

17.4% of Ryvyl shares are held by institutional investors. 12.4% of Ryvyl shares are held by insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

Volatility & Risk

Ryvyl has a beta of 2.86, meaning that its share price is 186% more volatile than the S&P 500. Comparatively, Worldline has a beta of 0.68, meaning that its share price is 32% less volatile than the S&P 500.

Earnings and Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ryvyl	$56.00 million	0.13	-$26.83 million	($36.37)	-0.15
Worldline	$5.01 billion	0.10	-$321.38 million	N/A	N/A

Ryvyl has higher earnings, but lower revenue than Worldline.

Summary

Ryvyl beats Worldline on 6 of the 9 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 Worldline

Worldline SA provides payments and transactional services to financial institutions, merchants, corporations, and government agencies in Northern Europe, Central and Eastern Europe, Southern Europe, and internationally. The company operates through Merchant Services; Financial Services; and Mobility & e-Transactional Services segments. The Merchant Services segment offers commercial acquiring, terminal, omnichannel payment acceptance, and digital retail services. The Financial Services segment provides issuing processing, acquiring processing, digital banking, and account payments services. The Mobility & e-Transactional Services segment offers trusted digitization, e-ticketing, and e-consumer and mobility. The company was formerly known as Atos Worldline S.A.S. and changed its name to Worldline SA in April 2014. Worldline SA was founded in 1973 and is headquartered in Puteaux, France.