Ryvyl Inc. (RVYL)

Ryvyl, Inc.'s stock price has experienced significant volatility and a substantial decline over the past six months. The share price declined by 88.52% between January 10, 2025, and January 9, 2026, and has trended down by 79.15% in the past six months. Key events include a 1-for-35 reverse stock split on December 30, 2025, an update on non-compliance with Nasdaq Listing Rule 5550(b)(1) on October 8, 2025, a definitive agreement to acquire Roundtable Media, Inc. on September 30, 2025, a settlement of RYVYL derivative litigation provisionally approved on November 22, 2025, and an earnings report on November 14, 2025, for Q3 2025, where Ryvyl Inc. reported an EPS of -$0.07, exceeding analysts' expectations of -$0.10.

Information regarding the specific demand seasonality for Ryvyl, Inc.'s products and services is not readily available. While one source mentions "RVYL Seasonality" to display mean and median monthly returns to identify seasonal patterns, access to this detailed data requires a subscription. Therefore, specific seasonal trends in demand for Ryvyl's offerings cannot be determined from the current information.

Ryvyl, Inc. is a financial technology company specializing in software platforms and tools for global payment acceptance and disbursement. It operates in the Technology Services sector, specifically in the Packaged Software industry. Ryvyl leverages electronic payment technology and blockchain-based solutions to facilitate business-to-business, consumer-to-business, and peer-to-peer transactions worldwide. Its products and services include the QuickCard Payment System, Coyni digital token platform, ChargeSavvy point-of-sale solution, a dual-sided payment platform, treasury management services, payment solutions, IBAN issuance, foreign exchange, electronic money institution services and card issuing services. Ryvyl's blockchain-based systems facilitate, record, and store tokenized assets on a secured ledger, serving industries like retail, e-commerce, financial services, logistics, healthcare, and foreign exchange.

Ryvyl, Inc. operates through North America and International segments. Its payment acceptance and disbursement capabilities extend across North America, Europe, and Asia, with the majority of revenue generated from North America. The company's headquarters are located in San Diego, California.

Ryvyl, Inc. aims to leverage its technology and established customer infrastructure for future growth, emphasizing its commitment to building compliant blockchain ledger-based payments platforms. While the company focuses on revolutionizing financial services with blockchain solutions and providing secure payment processing, specific events directly impacting its brand reputation in the past year are not explicitly detailed. The stock's decline and Nasdaq compliance issues could indirectly affect investor and public perception.

Ownership of Ryvyl, Inc. is distributed among institutional shareholders, insiders, and individual investors. Institutional ownership ranges from approximately 0.42% to 50.07%. Major institutional shareholders include Geode Capital Management, Llc, Vanguard Group Inc, and Renaissance Technologies Llc. Insider ownership is substantial, with Ryvyl insiders owning approximately 24.42% to 31,951.75% of the company. Fredi Nisan is the largest individual Ryvyl shareholder. Retail investors hold approximately 75.17% of the stock.