Ryvyl (RVYL) ROE % Adjusted to Book Value: 0.00% (As of Dec. 2025)


RVYL Ryvyl Inc RVYL
21 GF Score
Price $7.81
GF Value $3.50
Valuation Significantly Overvalued
! 8 Warning Signs
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What is Ryvyl ROE % Adjusted to Book Value?

Ryvyl RVYL +16.05% 21 ROE % Adjusted to Book Value is 0.00% as of Dec. 2025. 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.

Ryvyl's ROE % for the quarter that ended in Dec. 2025 was 0.00%. Ryvyl's PB Ratio for the quarter that ended in Dec. 2025 was 8.82. Ryvyl's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 was 0.00%.

Ryvyl ROE % Adjusted to Book Value Related Terms

Ryvyl ROE % Adjusted to Book Value Historical Data

* Premium members only.

The historical data trend for Ryvyl's ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value Chart

Ryvyl Annual Data
Trend Dec16 Dec17 Dec18 Dec19 Dec20 Dec21 Dec22 Dec23 Dec24 Dec25
ROE % Adjusted to Book Value
Get a 7-Day Free Trial Premium Member Only Premium Member Only -38.80 0.00 -464.54 0.00 0.00

Ryvyl Quarterly Data
Mar21 Jun21 Sep21 Dec21 Mar22 Jun22 Sep22 Dec22 Mar23 Jun23 Sep23 Dec23 Mar24 Jun24 Sep24 Dec24 Mar25 Jun25 Sep25 Dec25
ROE % Adjusted to Book Value 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 0.00 0.00 0.00 0.00 0.00

RVYL vs LHSW, CETX, YQAI: ROE % Adjusted to Book Value Comparison

For the Software - Infrastructure subindustry, Ryvyl's ROE % Adjusted to Book Value, along with its competitors' market caps and ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value vs Software Industry

For the Software industry and Technology sector, Ryvyl's ROE % Adjusted to Book Value distribution charts can be found below:

* The bar in red indicates where Ryvyl's ROE % Adjusted to Book Value falls into.


RVYL
21GF Score
Ryvyl Inc RVYL
ROE % Adjusted to Book Value is just one metric. See GF Score™, valuation, warning signs, and more.
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Ryvyl ROE % Adjusted to Book Value Calculation

Ryvyl's ROE % Adjusted to Book Value for the fiscal year that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=0.00% / 8.82
=0.00%

Ryvyl's ROE % Adjusted to Book Value for the quarter that ended in Dec. 2025 is calculated as

ROE % Adjusted to Book Value=ROE % / PB Ratio
=0.00% / 8.82
=0.00%

* 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.

What does a ROE % Adjusted to Book Value of 0.00% mean?
Ryvyl (RVYL) has a ROE % Adjusted to Book Value of 0.00% as of Dec. 2025. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Ryvyl and its competitors.
Is Ryvyl's ROE % Adjusted to Book Value too high?
Ryvyl's current ROE % Adjusted to Book Value is 0.00%. 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 ROE % Adjusted to Book Value compare to LHSW and CETX?
Ryvyl's ROE % Adjusted to Book Value of 0.00% 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 ROE % Adjusted to Book Value for a Software company?
A good ROE % Adjusted to Book Value depends on the Software industry context. However, ROE % Adjusted to Book Value 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 ROE % Adjusted to Book Value mean?
A high ROE % Adjusted to Book Value can signal that a stock is expensive relative to its fundamentals. Return on equity adjusted to book is the ratio of return on equity to price-book ratio. View historical data on Ryvyl and its competitors. Ryvyl's current ROE % Adjusted to Book Value is 0.00%. 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 ROE % Adjusted to Book Value is 0.00%. 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 ROE % Adjusted to Book Value calculated?
ROE % Adjusted to Book Value is calculated from a company's financial statements. For Ryvyl (RVYL), the current ROE % Adjusted to Book Value is 0.00% 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 123.1% above its estimated GF Value™ of $3.50. GuruFocus considers Ryvyl to be Significantly Overvalued.

Key valuation signals for RVYL:

  • ROE % Adjusted to Book Value: 0.00%
  • GF Value™: $3.50 vs. price of $7.81 (123.1% 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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ROE % Adjusted to Book Value is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$7.81
Price
$3.50
GF Value