Head-To-Head Survey: Ryvyl (NASDAQ:RVYL) versus Tenet Fintech Group (OTCMKTS:PKKFF)

Ryvyl (NASDAQ:RVYL) and Tenet Fintech Group (OTCMKTS:PKKFF) are both small-cap business services companies, but which is the better business? We will contrast the two companies based on the strength of their profitability, valuation, analyst recommendations, risk, earnings, dividends and institutional ownership.

Profitability

This table compares Ryvyl and Tenet Fintech Group’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%
Tenet Fintech Group	-2,302.19%	-163.37%	-78.57%

Insider and Institutional Ownership

17.4% of Ryvyl shares are held by institutional investors. Comparatively, 0.3% of Tenet Fintech Group shares are held by institutional investors. 7.1% of Ryvyl shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a stock will outperform the market over the long term.

Risk & Volatility

Ryvyl has a beta of 3.74, meaning that its share price is 274% more volatile than the S&P 500. Comparatively, Tenet Fintech Group has a beta of 1.98, meaning that its share price is 98% more volatile than the S&P 500.

Earnings and Valuation

This table compares Ryvyl and Tenet Fintech Group”s top-line 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
Tenet Fintech Group	$2.03 million	12.06	-$40.85 million	($0.18)	-0.56

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

Analyst Recommendations

This is a breakdown of recent ratings and recommmendations for Ryvyl and Tenet Fintech Group, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ryvyl	1	1	0	0	1.50
Tenet Fintech Group	0	0	0	0	0.00

Summary

Ryvyl beats Tenet Fintech Group on 9 of the 12 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 Tenet Fintech Group

Tenet Fintech Group Inc., through its subsidiaries, provides various analytics and AI-based services to small-and-medium businesses and financial institutions. It offers Business Hub, a global ecosystem where analytics and AI are used to create opportunities and facilitate B2B transactions among its members. The company was formerly known as Peak Fintech Group Inc. and changed its name to Tenet Fintech Group Inc. in November 2021. Tenet Fintech Group Inc. was incorporated in 2008 and is headquartered in Toronto, Canada.