Green Dot (NYSE:GDOT) vs. Ryvyl (NASDAQ:RVYL) Head-To-Head Comparison

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

Risk & Volatility

Green Dot has a beta of 0.78, suggesting that its stock price is 22% less volatile than the S&P 500. Comparatively, Ryvyl has a beta of 3.74, suggesting that its stock price is 274% more volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Green Dot	-1.24%	9.93%	1.66%
Ryvyl	-42.81%	-565.67%	-18.69%

Institutional and Insider Ownership

92.6% of Green Dot shares are owned by institutional investors. Comparatively, 17.4% of Ryvyl shares are owned by institutional investors. 1.4% of Green Dot shares are owned by company insiders. Comparatively, 7.1% of Ryvyl shares are owned by company insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Analyst Ratings

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Green Dot	2	2	2	1	2.29
Ryvyl	1	1	0	0	1.50

Green Dot currently has a consensus price target of $13.50, indicating a potential upside of 3.38%. Given Green Dot’s stronger consensus rating and higher probable upside, analysts plainly believe Green Dot is more favorable than Ryvyl.

Earnings and Valuation

This table compares Green Dot and Ryvyl”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Green Dot	$1.93 billion	0.38	-$26.70 million	($0.44)	-29.68
Ryvyl	$48.90 million	0.24	-$26.83 million	($1.50)	-0.25

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

Summary

Green Dot beats Ryvyl on 12 of the 15 factors compared between the two stocks.

About Green Dot

Green Dot Corporation, a financial technology and registered bank holding company, provides various financial services to consumers and businesses in the United States. It operates through three segments: Consumer Services, Business to Business Services, and Money Movement Services. The company provides deposit account programs, including consumer and small business checking account products, network-branded reloadable prepaid debit cards and gift cards, and secured credit programs. It offers money processing services, such as cash transfer services that enable consumers to deposit or pick up cash and pay bills with cash at the point-of-sale at any participating retailer; and simply paid disbursement services, which enable wages and authorized funds disbursement to its deposit account programs and accounts issued by any third-party bank or program manager. In addition, the company offers tax processing services comprising tax refund transfers, which provide the processing technology to facilitate receipt of a taxpayers' refund proceeds; small business lending to independent tax preparation providers that seek small advances; and fast cash advance, a loan that enables tax refund recipients. Green Dot Corporation was incorporated in 1999 and is headquartered in Austin, Texas.

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.