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Earnings analysis · 10-Q

RVYL earnings analysis

Filed May 14, 2026 · Our reading of the company's report

The latest report

RTB Digital, Inc. reported Q4 2025 revenue of $2,793,000, a decrease from $3,000,000 in the previous quarter and $3,000,000 in the same period a year ago. The company achieved a narrower EPS loss of $2.03, improving…

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RTB Digital, Inc. reported Q4 2025 revenue of $2,793,000, a decrease from $3,000,000 in the previous quarter and $3,000,000 in the same period a year ago. The company achieved a narrower EPS loss of $2.03, improving from an estimated loss of $2.45, but exhibiting continued financial strain with negative operational margins.

Read the original on SEC.gov

From revenue to operating profit

Where each $100 of revenue went in this report.

Of every $100 of revenue Cost of sales $52 Operating expenses $173 Left as operating profit $-125

Cost of sales, operating expenses, and what remained. Figures are rounded to whole dollars.

Reported figures

Earnings per share
$-2.03

What stood out

  • Revenue Decline

    Q4 2025 revenue was $2,793,000, down 6.9% from the expected $3,000,000, marking a decline from Q3 2025.

  • Narrowed EPS Loss

    EPS loss of -$2.03 improved from an estimated -$2.45, showing a 17.1% positive deviation.

  • Improved Gross Margin

    Gross margin improved to 47.5% in Q4, compared to 43.8% in Q2 2025, indicating slight efficiency gains in operations.

  • Continued High Cash Flow

    Free cash flow was reported at -$17 million, consistent with the negative cash flow trend in recent quarters, although higher than Q1 2025.

  • Segment Consistency

    Revenue held steady at $3 million for the last three quarters, indicating potential stabilization in core segments.

What to watch

  • Ongoing SEC Investigations

    The company's ongoing investigation by the SEC regarding possible violations of securities laws presents a significant risk to operations.

  • Continued Litigation

    The company remains involved in multiple lawsuits which could impact financial stability; notably, a shareholder derivative suit alleging inadequate internal controls.

  • Market Uncertainty Post-Merger

    The recent merger raises concerns about market acceptance and operational integration risks that might affect future performance.

Management's outlook

Outlook deferred to earnings press release / call.

Earlier filings 1

10-K · April 15, 2026

RYVYL is a small fintech ISO-style merchant acquirer that reported a net loss of $17.5 million for the year ended December 31, 2025 and an accumulated deficit of $196.9 million, and management discloses substantial…

This is our reading of a public filing, not the filing itself. Analysis can contain errors; check the source document for full context.