PayPal (NASDAQ:PYPL – Get Free Report) and Ryvyl (NASDAQ:RVYL – Get Free Report) are both business services companies, but which is the superior stock? We will contrast the two businesses based on the strength of their risk, profitability, institutional ownership, valuation, earnings, analyst recommendations and dividends.
Profitability
This table compares PayPal and Ryvyl’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| PayPal | 15.77% | 25.42% | 6.41% |
| Ryvyl | -36.89% | N/A | -21.79% |
Analyst Ratings
This is a summary of current recommendations for PayPal and Ryvyl, as provided by MarketBeat.com.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| PayPal | 6 | 31 | 8 | 0 | 2.04 |
| Ryvyl | 1 | 1 | 0 | 0 | 1.50 |
Valuation and Earnings
This table compares PayPal and Ryvyl”s revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| PayPal | $33.17 billion | 1.29 | $5.23 billion | $5.41 | 8.79 |
| Ryvyl | $48.86 million | 0.16 | -$26.83 million | ($36.37) | -0.17 |
PayPal has higher revenue and earnings than Ryvyl. Ryvyl is trading at a lower price-to-earnings ratio than PayPal, indicating that it is currently the more affordable of the two stocks.
Volatility and Risk
PayPal has a beta of 1.4, indicating that its stock price is 40% more volatile than the S&P 500. Comparatively, Ryvyl has a beta of 2.61, indicating that its stock price is 161% more volatile than the S&P 500.
Institutional & Insider Ownership
68.3% of PayPal shares are owned by institutional investors. Comparatively, 17.4% of Ryvyl shares are owned by institutional investors. 0.1% of PayPal shares are owned by company insiders. Comparatively, 12.4% of Ryvyl shares are owned by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company will outperform the market over the long term.
Summary
PayPal beats Ryvyl on 12 of the 14 factors compared between the two stocks.
About PayPal
PayPal Holdings, Inc. operates a technology platform that enables digital payments on behalf of merchants and consumers worldwide. It operates a two-sided network at scale that connects merchants and consumers that enables its customers to connect, transact, and send and receive payments through online and in person, as well as transfer and withdraw funds using various funding sources, such as bank accounts, PayPal or Venmo account balance, PayPal and Venmo branded credit products comprising its installment products, credit and debit cards, and cryptocurrencies, as well as other stored value products, including gift cards and eligible rewards. The company provides payment solutions under the PayPal, PayPal Credit, Braintree, Venmo, Xoom, Zettle, Hyperwallet, Honey, and Paidy names. The company was founded in 1998 and is headquartered in San Jose, California.
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.
Receive News & Ratings for PayPal Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for PayPal and related companies with MarketBeat.com's FREE daily email newsletter.
