Ryvyl (RVYL) FCF Margin %: -603.04% (As of Dec. 2025)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

RVYL Ryvyl Inc RVYL
21 GF Score
Price $7.81
GF Value $3.47
! 8 Warning Signs
View Full Analysis

What is Ryvyl FCF Margin %?

Ryvyl RVYL +16.05% 21 FCF Margin % is -603.04% as of Dec. 2025. GuruFocus rates RVYL with a GF Score™ of 21/100 and a GF Value™ of $3.47. The stock has 8 warning signs investors should review.

FCF Margin % is calculated as Free Cash Flow divided by its Revenue. Ryvyl's Free Cash Flow for the three months ended in Dec. 2025 was $-16.84 Mil. Ryvyl's Revenue for the three months ended in Dec. 2025 was $2.79 Mil. Therefore, Ryvyl's FCF Margin % for the quarter that ended in Dec. 2025 was -603.04%.

As of today, Ryvyl's current FCF Yield % is -240.87%.

The historical rank and industry rank for Ryvyl's FCF Margin % or its related term are showing as below:

RVYL' s FCF Margin % Range Over the Past 10 Years
Min: -219.58   Med: -30.41   Max: 106.74
Current: -104.03


During the past 13 years, the highest FCF Margin % of Ryvyl was 106.74%. The lowest was -219.58%. And the median was -30.41%.

RVYL's FCF Margin % is not ranked
in the Software industry.
Industry Median: 2.27 vs RVYL: -104.03


Ryvyl FCF Margin % Related Terms


Ryvyl FCF Margin % Historical Data

* Premium members only.

The historical data trend for Ryvyl's FCF Margin % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Ryvyl FCF Margin % Chart

Ryvyl Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
FCF Margin %
Get a 7-Day Free Trial Premium Member Only Premium Member Only -88.07 -30.41 50.18 106.74 -219.58

Ryvyl Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
FCF Margin % Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 55.58 -111.35 445.38 -112.81 -603.04

RVYL vs LHSW, CETX, YQAI: FCF Margin % Comparison

For the Software - Infrastructure subindustry, Ryvyl's FCF Margin %, along with its competitors' market caps and FCF Margin % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.


Ryvyl FCF Margin % vs Software Industry

For the Software industry and Technology sector, Ryvyl's FCF Margin % distribution charts can be found below:

* The bar in red indicates where Ryvyl's FCF Margin % falls into.


RVYL
21GF Score
Ryvyl Inc RVYL
FCF Margin % is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Ryvyl FCF Margin % Calculation

FCF margin is the ratio of Free Cash Flow divided by net sales or Revenue, usually presented in percent.

Ryvyl's FCF Margin for the fiscal year that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (A: Dec. 2025 )/Revenue (A: Dec. 2025 )
=-24.441/11.131
=-219.58 %

Ryvyl's FCF Margin for the quarter that ended in Dec. 2025 is calculated as

FCF Margin=Free Cash Flow (Q: Dec. 2025 )/Revenue (Q: Dec. 2025 )
=-16.843/2.793
=-603.04 %

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

Frequently Asked Questions Learn more about FCF Margin % →
What does a FCF Margin % of -603.04% mean?
Ryvyl (RVYL) has a FCF Margin % of -603.04% as of Dec. 2025. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Ryvyl and its competitors.
Is Ryvyl's FCF Margin % too high?
Ryvyl's current FCF Margin % is -603.04%. Overall, Ryvyl has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does Ryvyl's FCF Margin % compare to LHSW and CETX?
Ryvyl's FCF Margin % of -603.04% can be compared against companies in the Software industry. The industry median FCF Margin % is 2.27. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good FCF Margin % for a Software company?
The median FCF Margin % among Software companies is 2.27, based on 2,815 companies in the industry. Companies in the top quartile (top 25%) have a FCF Margin % significantly above this median, while those in the bottom quartile fall well below. However, FCF Margin % should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high FCF Margin % mean?
A high FCF Margin % can signal that a stock is expensive relative to its fundamentals. Free cash flow margin is the ratio of total free cash flow to net sales. View historical data on Ryvyl and its competitors. For the Software industry, the median FCF Margin % is 2.27 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ryvyl's current FCF Margin % is -603.04%. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Ryvyl stock overvalued right now?
Ryvyl (RVYL) has a current FCF Margin % of -603.04%. The stock's GF Value™ is $3.47, compared to a current price of $7.81 — trading 125.1% above its estimated fair value. The current FCF Margin % is -603.04%. Ryvyl's overall GF Score™ is 21/100 with 8 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is FCF Margin % calculated?
FCF Margin % is calculated from a company's financial statements. For Ryvyl (RVYL), the current FCF Margin % is -603.04% as of Dec. 2025. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Ryvyl (RVYL) Overvalued in 2026?

Based on GuruFocus' analysis, Ryvyl stock appears to be overvalued. The current stock price of $7.81 is trading 125.1% above its estimated GF Value™ of $3.47.

Key valuation signals for RVYL:

  • FCF Margin %: -603.04%
  • GF Value™: $3.47 vs. price of $7.81 (125.1% above fair value)
  • GF Score™: 21/100 with 8 warning signs

No single metric tells the full story. See the RVYL stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.


Ryvyl Business Description

Address 3111 Camino Del Rio North, Suite 400, San Diego, CA, USA, 92108
Ryvyl Inc is a financial technology company that provides payment acceptance and disbursement solutions, mainly enabling merchants to process credit card transactions through BIN sponsorship arrangements with acquiring banks and payment processors, where it operates as an intermediary performing functions such as merchant underwriting, onboarding, risk monitoring, and customer support. The company also offers its internally developed NEMS Core platform, which facilitates automated inbound and outbound disbursements through a modular workflow system.
21GF Score

Get the complete analysis for RVYL

FCF Margin % is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$7.81
Price
$3.47
GF Value