RyvylRVYL +16.05%21 PB Ratio is 12.15 as of Jun. 30, 2026, which is 128% above its 10-year median of 5.32. GuruFocus rates RVYL with a GF Score™ of 21/100 and a GF Value™ of $3.50 (Significantly Overvalued). The stock has 8 warning signs investors should review. Among 2,618 Software companies, Ryvyl ranks worse than 92.67% on this metric.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. As of today (2026-06-30), Ryvyl's share price is $7.81. Ryvyl's Book Value per Share for the quarter that ended in Dec. 2025 was $0.64. Hence, Ryvyl's PB Ratio of today is 12.15.
Warning Sign:
Ryvyl Inc stock PB Ratio (=12.15) is close to 5-year high of 12.15.
The historical rank and industry rank for Ryvyl's PB Ratio or its related term are showing as below:
RVYL'
s PB Ratio Range Over the Past 10 Years
Min: 0.35 Med: 5.32 Max: 1140.8
Current: 12.15
During the past 13 years, Ryvyl's highest PB Ratio was 1140.80. The lowest was 0.35. And the median was 5.32.
RVYL's PB Ratio is ranked worse than 92.67% of 2618
companies
in the Software industry
Industry Median: 2.37
vs RVYL: 12.15
During the past 13 years, the highest 3-Year average Book Value Per Share Growth Rate of Ryvyl was 215.50% per year. The lowest was -20.50% per year. And the median was 33.30% per year.
The PB Ratio works the best for the businesses that earn most of their profit from their assets, e.g. banks and insurance companies.
Be Aware
Some businesses have very light assets, such as software companies or insurance agencies. The PB Ratio does not work well for these companies. Some companies even have negative equity, so the PB Ratio cannot be applied to them.
Ryvyl PB Ratio Related Terms
Ryvyl PB Ratio Historical Data
* Premium members only.
The historical data trend for Ryvyl's PB Ratio 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.
For the Software - Infrastructure subindustry, Ryvyl's PB Ratio, along with its competitors' market caps and PB Ratio 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 PB Ratio vs Software Industry
For the Software industry and Technology sector, Ryvyl's PB Ratio distribution charts can be found below:
* The bar in red indicates where Ryvyl's PB Ratio falls into.
The PB Ratio, or Price-to-Book ratio, or Price/Book, is a financial ratio used to compare a company's market price to its Book Value per Share. It is a ratio widely used to value stocks.
Ryvyl's PB Ratio for today is calculated as follows:
* 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.
It can also be calculated from the numbers for the whole company:
A closely related ratio is called Price-to-Tangible-Book. The difference between Price-to-Tangible-Book and PB Ratio is that book value other than intangibles are used in the calculation.
Ryvyl (RVYL) has a PB Ratio of 12.15 as of Jun. 30, 2026. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Ryvyl and its competitors. This is 128% above median its historical median of 5.32. Over the past decade, Ryvyl's PB Ratio has ranged from 0.35 to 1,140.80. According to the industry distribution chart, Ryvyl ranks #2426 out of 2618 companies in the Software industry, placing it in the top 92.7%.
Is Ryvyl's PB Ratio too high?
Ryvyl's current PB Ratio of 12.15 is 128% above median its 10-year median of 5.32. Over the past 10 years, this metric has ranged from a low of 0.35 to a high of 1,140.80. The Software industry median PB Ratio is 2.37. Ryvyl's value of 12.15 is 412.7% above this industry median. Based on the distribution chart, Ryvyl ranks #2426 out of 2618 companies in the Software industry, which is in the bottom quartile relative to peers. Overall, Ryvyl has a GF Score™ of 21/100 and is considered Significantly Overvalued, reflecting its overall financial health beyond just this single metric.
How does Ryvyl's PB Ratio compare to LHSW and CETX?
According to the Software industry distribution chart, Ryvyl ranks #2426 out of 2618 companies for PB Ratio. This places Ryvyl in the lower half of its industry. The industry median PB Ratio is 2.37. Ryvyl's value of 12.15 is 412.7% above this benchmark. Historically, Ryvyl's own PB Ratio has ranged from 0.35 to 1,140.80 over the past decade. While the company's 10-year median is 5.32 vs. the industry median of 2.37, Ryvyl has consistently been above the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good PB Ratio for a Software company?
The median PB Ratio among Software companies is 2.37, based on 2,618 companies in the industry. Companies in the top quartile (top 25%) have a PB Ratio significantly above this median, while those in the bottom quartile fall well below. However, PB Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Ryvyl's current PB Ratio of 12.15 is 412.7% above the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high PB Ratio mean?
A high PB Ratio can signal that a stock is expensive relative to its fundamentals. Price-to-Book ratio is the ratio of share price to a company's book value per share. View historical data on Ryvyl and its competitors. For the Software industry, the median PB Ratio is 2.37 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Ryvyl's current PB Ratio is 12.15, which is 128% above median its own 10-year median of 5.32. 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?
Based on GuruFocus' analysis, Ryvyl (RVYL) is currently considered Significantly Overvalued. The stock's GF Value™ is $3.50, compared to a current price of $7.81 — trading 123.1% above its estimated fair value. The current PB Ratio is 12.15, which is 128% above median its 10-year median of 5.32 and 412.7% above the Software industry median of 2.37. 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 PB Ratio calculated?
PB Ratio is calculated from a company's financial statements. For Ryvyl (RVYL), the current PB Ratio is 12.15 as of Jun. 30, 2026. 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 123.1% above its estimated GF Value™ of $3.50.
GuruFocus considers Ryvyl to be Significantly Overvalued.
Key valuation signals for RVYL:
PB Ratio: 12.15 (128% above median its 10-year median of 5.32)
GF Value™: $3.50 vs. price of $7.81 (123.1% above fair value)
Industry Position: 412.7% above the Software median (#2426 of 2618)
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 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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