Analyzing Ryvyl (NASDAQ:RVYL) and Fidelity National Information Services (NYSE:FIS)

Ryvyl (NASDAQ:RVYL) and Fidelity National Information Services (NYSE:FIS) are both business services companies, but which is the better investment? We will contrast the two companies based on the strength of their analyst recommendations, institutional ownership, earnings, profitability, valuation, dividends and risk.

Risk and Volatility

Ryvyl has a beta of 3.74, suggesting that its share price is 274% more volatile than the S&P 500. Comparatively, Fidelity National Information Services has a beta of 1.05, suggesting that its share price is 5% more volatile than the S&P 500.

Profitability

This table compares Ryvyl and Fidelity National Information Services’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Ryvyl	-42.81%	-565.67%	-18.69%
Fidelity National Information Services	1.09%	18.73%	8.58%

Insider and Institutional Ownership

17.4% of Ryvyl shares are held by institutional investors. Comparatively, 96.2% of Fidelity National Information Services shares are held by institutional investors. 7.1% of Ryvyl shares are held by insiders. Comparatively, 0.2% of Fidelity National Information Services shares are held by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Analyst Recommendations

This is a summary of current ratings and target prices for Ryvyl and Fidelity National Information Services, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ryvyl	1	1	0	0	1.50
Fidelity National Information Services	2	7	13	0	2.50

Fidelity National Information Services has a consensus target price of $87.94, suggesting a potential upside of 33.14%. Given Fidelity National Information Services’ stronger consensus rating and higher possible upside, analysts clearly believe Fidelity National Information Services is more favorable than Ryvyl.

Valuation & Earnings

This table compares Ryvyl and Fidelity National Information Services”s top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ryvyl	$56.00 million	0.20	-$26.83 million	($1.50)	-0.24
Fidelity National Information Services	$10.13 billion	3.41	$1.45 billion	$0.18	366.97

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

Summary

Fidelity National Information Services beats Ryvyl on 12 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 Fidelity National Information Services

Fidelity National Information Services, Inc. engages in the provision of financial services technology solutions for financial institutions, businesses, and developers worldwide. It operates through Banking Solutions, Capital Market Solutions, and Corporate and Other segments. The company provides core processing and ancillary applications; mobile and online banking; fraud, risk management, and compliance; card and retail payment; electronic funds transfer and network; wealth and retirement; and item processing and output solutions. It also offers trading and asset, lending, leveraged and syndicated loan markets, and treasury and risk solutions. The company was founded in 1968 and is headquartered in Jacksonville, Florida.