Contrasting Ryvyl (NASDAQ:RVYL) and Mastercard (NYSE:MA)

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

Valuation & Earnings

This table compares Mastercard and Ryvyl”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Mastercard	$28.17 billion	17.25	$12.87 billion	$15.64	34.60
Ryvyl	$56.00 million	0.09	-$26.83 million	($36.37)	-0.14

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

Institutional & Insider Ownership

97.3% of Mastercard shares are held by institutional investors. Comparatively, 17.4% of Ryvyl shares are held by institutional investors. 0.1% of Mastercard shares are held by company insiders. Comparatively, 12.4% of Ryvyl shares are held by company insiders. Strong institutional ownership is an indication that hedge funds, large money managers and endowments believe a company will outperform the market over the long term.

Analyst Ratings

This is a summary of recent ratings and recommmendations for Mastercard and Ryvyl, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Mastercard	0	2	22	5	3.10
Ryvyl	1	1	0	0	1.50

Mastercard currently has a consensus price target of $662.08, indicating a potential upside of 22.35%. Given Mastercard’s stronger consensus rating and higher probable upside, analysts clearly believe Mastercard is more favorable than Ryvyl.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Mastercard	45.28%	202.03%	29.11%
Ryvyl	-36.89%	N/A	-21.79%

Risk & Volatility

Mastercard has a beta of 0.86, meaning that its stock price is 14% less volatile than the S&P 500. Comparatively, Ryvyl has a beta of 2.87, meaning that its stock price is 187% more volatile than the S&P 500.

Summary

Mastercard beats Ryvyl on 13 of the 15 factors compared between the two stocks.

About Mastercard

Mastercard Incorporated, a technology company, provides transaction processing and other payment-related products and services in the United States and internationally. The company offers integrated products and value-added services for account holders, merchants, financial institutions, digital partners, businesses, governments, and other organizations, such as programs that enable issuers to provide consumers with credits to defer payments; payment products and solutions that allow its customers to access funds in deposit and other accounts; prepaid programs services; and commercial credit, debit, and prepaid payment products and solutions. It also provides solutions that enable businesses or governments to make payments to businesses, including Virtual Card Number, which is generated dynamically from a physical card and leverages the credit limit of the funding account; a platform to optimize supplier payment enablement campaigns for financial institutions; and treasury intelligence platform that offers corporations with recommendations to enhance working capital performance and accelerate spend on cards. In addition, the company offers Mastercard Send, which partners with digital messaging and payment platforms to enable consumers to send money directly within applications to other consumers; and Mastercard Cross-Border Services enables a range of payment flows through a distribution network with a single point of access to send and receive money globally through various channels, including bank accounts, mobile wallets, cards, and cash payouts. Further, it provides cyber and intelligence solutions; insights and analytics, consulting, marketing, loyalty, processing, and payment gateway solutions for e-commerce merchants; and open banking and digital identity services. The company offers payment solutions and services under the MasterCard, Maestro, and Cirrus name. Mastercard Incorporated was founded in 1966 and is headquartered in Purchase, New York.

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.