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RTB Digital Inc (RTB)

USD16.35 +1.10 (+7.21%)
US NASDAQ Technology Software - Application
Address 5465 43rd Avenue West 98199
Seattle, WA, US
CEO George Oliva
Website ryvyl.com
IPO 2026-05-13
CIK 1419275 ISIN US39366L4068

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Also trades on NASDAQ Capital Market · RVYL (USD) NASDAQ Global Market · RTB (USD)
Description

RYVYL Inc. functions as a leading financial technology enterprise, specializing in the creation of advanced software platforms and tools. Its primary objective is to offer comprehensive global capabilities for both accepting and disbursing payments. The company provides a groundbreaking payment-as-a-service (PaaS) offering, which is designed to revolutionize international payment methods. This innovative platform ensures smooth financial transactions worldwide, encompassing exchanges between businesses (B2B), consumers and businesses (C2B), and individuals (P2P). Leveraging sophisticated electronic payment technology, RYVYL delivers seamless financial solutions across diverse global markets. The organization conducts its operations through two principal geographical segments: North America and various international regions. Founded on April 10, 2007, RYVYL Inc. maintains its corporate headquarters in San Diego, California.

Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
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Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
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Price Chart
Averages
Trend
Price
Levels
Draw
USD16.35 +1.10 (+7.21%)
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Volume Profile
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Liquidity & share structure
Average Volume
114.3K
Beta
2.59
Float Shares
984.5K
Free Float %
76.9%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
-7.14% -26.35% -15.58% -14.33% -14.33% -14.33% -14.33% -14.33% -14.33% -14.33% -14.33%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
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Annual Monthly Returns
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Daily Returns Distribution
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Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

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By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
16.35
Quality scores
MOAT Score
2 / 10
No MOAT
Composite Rating
D+
Overall Score
1 / 5
Low
DCF Score
1 / 5
Low
ROE Score
1 / 5
Low
ROA Score
1 / 5
Low
D/E Score
1 / 5
Low
P/E Score
1 / 5
Low
P/Book Score
1 / 5
Low
Operational MOAT
✗ Below peers
  • Revenue growth Software - Application: +13.0%
    +844.9% Q1'26: +437.1% (vs Q4'24)
  • EPS growth Software - Application: +28.6%
  • FCF margin FCF growth · Software - Application: +45.3%
    -303.0% Q1'26: -81.5% (vs Q4'24)
  • EBIT margin Software - Application: +9.4%
    -123.9% Q1'26: -82.8% (vs Q4'24)
  • ROIC Software - Application: +7.5%
    Q1'26: +210.0% (vs Q4'24)
  • Share dilution Software - Application: +0.0%
  • Debt / EBITDA Net debt/EBITDA · Software - Application: -1.16×
    -0.23× Q1'26: -0.33× (vs Q4'24)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
WACC components (optional)
Ke (Cost of Equity) = Rf + β (2.72) × ERP
WACC = 50% × Ke + 50% × Kd (62.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Current price: 16.35
Enterprise Value: Equity Value: Terminal Value: TV as % of EV:

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Dec 2024
actual
Dec 2025
actual
Dec 2026
1 Rev. Ana.
1 EPS Ana.
Revenue
1.18M
est: 56.70M (-97.9%)
11.13M
est: 23.90M (-53.4%)
95.00M
95.00M – 95.00M
+297.5% YoY
EBITDA
-1.08M
est: -55.05M (+98.0%)
-13.40M
est: -23.20M (+42.3%)
-92.23M
-92.23M – -92.23M
-297.5% YoY
EBIT
-1.22M
est: -56.70M (+97.9%)
-13.79M
est: -23.90M (+42.3%)
-95.00M
-95.00M – -95.00M
-297.5% YoY
Net Income
-1.32M
est: -78.31M (+98.3%)
-11.03M
est: -24.68M (+55.3%)
1.25M
1.25M – 1.25M
+105.1% YoY
SGA
1.45M
est: 136.41M (-98.9%)
7.69M
est: 57.50M (-86.6%)
228.55M
228.55M – 228.55M
+297.5% YoY
EPS
est: -131.08 (+100.0%)
-18.46
est: -41.30 (+55.3%)
2.10
2.10 – 2.10
+105.1% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-19 D+ 1/5 1/5 1/5 1/5 1/5 1/5 1/5

Owner Earnings

Owner's Earnings (history)

Owner's Earnings history not available.

Owner alignment
Owner's Earnings TTM
OE per share TTM
Owner's Yield
Maintenance CapEx ratio
Maint CapEx / Avg PPE

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
Total invested
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 1 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 Vanguard Extended Market ETF VXF 0.00% 32.7K 0.05%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
-919.5K
Shares Outstanding
1.28M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
James Charles Heckman Jr. Executive Director male
William Sornsin Chief Financial Officer
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

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Dividend history

Earnings history

Earnings reports

Stock splits