Analyzing Ryvyl (NASDAQ:RVYL) and WEX (NYSE:WEX)

Ryvyl (NASDAQ:RVYL) and WEX (NYSE:WEX) are both business services companies, but which is the superior stock? We will contrast the two businesses based on the strength of their risk, analyst recommendations, dividends, profitability, valuation, institutional ownership and earnings.

Earnings & Valuation

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ryvyl	$56.00 million	0.18	-$26.83 million	($8.52)	-0.04
WEX	$2.63 billion	2.26	$309.60 million	$7.91	21.91

WEX has higher revenue and earnings than Ryvyl. Ryvyl is trading at a lower price-to-earnings ratio than WEX, indicating that it is currently the more affordable of the two stocks.

Risk and Volatility

Ryvyl has a beta of 3.55, meaning that its share price is 255% more volatile than the S&P 500. Comparatively, WEX has a beta of 1.28, meaning that its share price is 28% more volatile than the S&P 500.

Analyst Recommendations

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ryvyl	0	1	0	0	2.00
WEX	0	11	3	0	2.21

WEX has a consensus target price of $179.82, suggesting a potential upside of 3.74%. Given WEX’s stronger consensus rating and higher probable upside, analysts clearly believe WEX is more favorable than Ryvyl.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Ryvyl	-42.81%	-565.67%	-18.69%
WEX	11.79%	41.87%	3.71%

Insider & Institutional Ownership

17.4% of Ryvyl shares are owned by institutional investors. Comparatively, 97.5% of WEX shares are owned by institutional investors. 30.8% of Ryvyl shares are owned by insiders. Comparatively, 1.4% of WEX shares are owned by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.

Summary

WEX beats Ryvyl on 12 of the 14 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 WEX

WEX Inc. operates a commerce platform in the United States and internationally. The Mobility segment offers fleet vehicle payment solutions, transaction processing, and information management services; and provides account activation and account retention services; authorization and billing inquiries, and account maintenance services; account management; credit and collections services; merchant services; analytics solutions; and ancillary services and offerings. This segment markets its products directly and indirectly to businesses and government agencies with fleets of commercial vehicles; and indirectly through co-branded and private label relationships. The Corporate Payments segment provides payment solutions, including embedded payments; and accounts payable automation and spend management solutions. This segment also markets its products directly and indirectly to customers in travel, fintech, insurance, consumer bill pay, and media verticals. The Benefits Solutions segment offers software-as-a-service (SaaS) platform for consumer directed healthcare benefits and full-service benefit enrollment solutions. In addition, its SaaS platform includes embedded payment solutions and plan administration services for consumer-directed health benefits; COBRA accounts; and benefit enrollment and administration services. Further, it offers custodial and depository services for health savings accounts; and markets its products through third-party administrators, financial institutions, payroll providers, and health plans. The company was formerly known as Wright Express Corporation and changed its name to WEX Inc. in October 2012. WEX Inc. was founded in 1983 and is based in Portland, Maine.