Ryvyl (RVYL) Long-Term Debt: $0.61 Mil (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.
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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
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What is Ryvyl Long-Term Debt?

Ryvyl RVYL +16.05% 21 Long-Term Debt is $0.61 Mil 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.

Ryvyl's Long-Term Debt for the quarter that ended in Dec. 2025 was $0.61 Mil.

Ryvyl's quarterly Long-Term Debt increased from Jun. 2025 ($0.61 Mil) to Sep. 2025 ($0.62 Mil) but then declined from Sep. 2025 ($0.62 Mil) to Dec. 2025 ($0.61 Mil).

Ryvyl's annual Long-Term Debt increased from Dec. 2023 ($15.91 Mil) to Dec. 2024 ($17.36 Mil) but then declined from Dec. 2024 ($17.36 Mil) to Dec. 2025 ($0.61 Mil).

Ryvyl  (NAS:RVYL) Long-Term Debt Explanation

Long-Term Debt is the sum of the carrying values as of the balance sheet date of all long-term debt, which is debt initially having maturities due after one year or beyond the operating cycle, if longer, but excluding the portions thereof scheduled to be repaid within one year or the normal operating cycle, if longer. Long-Term Debt includes notes payable, bonds payable, mortgage loans, convertible debt, subordinated debt and other types of long term debt.

Ryvyl Long-Term Debt Related Terms

Ryvyl Long-Term Debt Historical Data

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The historical data trend for Ryvyl's Long-Term Debt 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 Long-Term Debt Chart

Ryvyl Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
Long-Term Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only 59.31 61.74 15.91 17.36 0.61

Ryvyl Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
Long-Term Debt 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 17.36 4.59 0.61 0.62 0.61
RVYL
21GF Score
Ryvyl Inc RVYL
Long-Term Debt is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Long-Term Debt →
What does a Long-Term Debt of $0.61 Mil mean?
Ryvyl (RVYL) has a Long-Term Debt of $0.61 Mil as of Dec. 2025.
Is Ryvyl's Long-Term Debt too high?
Ryvyl's current Long-Term Debt is $0.61 Mil. Overall, Ryvyl has a GF Score™ of 21/100, reflecting its overall financial health beyond just this single metric.
How does Ryvyl's Long-Term Debt compare to LHSW and CETX?
Ryvyl's Long-Term Debt of $0.61 Mil can be compared against companies in the Software industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Long-Term Debt for a Software company?
A good Long-Term Debt depends on the Software industry context. However, Long-Term Debt 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 Long-Term Debt mean?
A high Long-Term Debt can signal that a stock is expensive relative to its fundamentals. Ryvyl's current Long-Term Debt is $0.61 Mil. 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 Long-Term Debt of $0.61 Mil. 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 Long-Term Debt is $0.61 Mil. 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 Long-Term Debt calculated?
Long-Term Debt is calculated from a company's financial statements. For Ryvyl (RVYL), the current Long-Term Debt is $0.61 Mil 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:

  • Long-Term Debt: $0.61 Mil
  • 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

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Long-Term Debt is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$7.81
Price
$3.47
GF Value