Paysafe (NYSE:PSFE) vs. Ryvyl (NASDAQ:RVYL) Critical Survey

Ryvyl (NASDAQ:RVYL) and Paysafe (NYSE:PSFE) are both small-cap business services companies, but which is the better investment? We will compare the two businesses based on the strength of their dividends, risk, earnings, profitability, institutional ownership, valuation and analyst recommendations.

Valuation & Earnings

This table compares Ryvyl and Paysafe”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ryvyl	$56.00 million	0.22	-$26.83 million	($1.04)	-0.34
Paysafe	$1.70 billion	0.28	$22.16 million	($2.16)	-3.74

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

Risk and Volatility

Ryvyl has a beta of 2.79, suggesting that its stock price is 179% more volatile than the S&P 500. Comparatively, Paysafe has a beta of 1.84, suggesting that its stock price is 84% more volatile than the S&P 500.

Analyst Recommendations

This is a summary of current recommendations and price targets for Ryvyl and Paysafe, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ryvyl	1	1	0	0	1.50
Paysafe	2	4	1	0	1.86

Paysafe has a consensus price target of $10.26, indicating a potential upside of 27.09%. Given Paysafe’s stronger consensus rating and higher probable upside, analysts plainly believe Paysafe is more favorable than Ryvyl.

Institutional and Insider Ownership

17.4% of Ryvyl shares are held by institutional investors. Comparatively, 54.4% of Paysafe shares are held by institutional investors. 12.4% of Ryvyl shares are held 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.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Ryvyl	-36.89%	-522.95%	-21.79%
Paysafe	-7.35%	11.68%	1.99%

Summary

Paysafe beats Ryvyl on 10 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 Paysafe

Paysafe Limited provides end-to-end payment solutions in the United States, Germany, the United Kingdom, and internationally. Its payments platform offers a range of payment solutions comprising credit and debit card processing, digital wallet, eCash, and real-time banking solutions for entertainment verticals, such as iGaming, including online betting related to sports, e-sports, fantasy sports, poker, and other casino games, as well as travel, streaming/video gaming, retail/hospitality, and digital assets. The company operates through two segments, Merchant Solutions and Digital Wallets. The Merchant Solutions segment offers PCI-compliant payment acceptance and transaction processing solutions for merchants and integrated service providers, including merchant acquiring, transaction processing, gateway solutions, fraud and risk management tools, data and analytics, point of sale systems, and merchant financing solutions, as well as comprehensive support services under the Paysafe and Petroleum Card Services brands. The Digital Wallets segment offers digital wallet solutions under the Skrill, NETELLER, paysafecard, and Paysafecash brands; and pay-by-bank solutions under the Rapid Transfer brand. It also provides eCash solutions under the paysafecard and Paysafecash brands; paysafecard prepaid Mastercard that can be linked to a digital paysafecard account and used to make purchases; Safetypay, a platform that enables eCommerce transactions; and PagoEfectivo, an alternative payment platform. The company is based in London, the United Kingdom.