Critical Contrast: Ryvyl (NASDAQ:RVYL) versus Leafbuyer Technologies (OTCMKTS:LBUY)

Ryvyl (NASDAQ:RVYL) and Leafbuyer Technologies (OTCMKTS:LBUY) are both small-cap business services companies, but which is the superior investment? We will contrast the two companies based on the strength of their risk, earnings, analyst recommendations, dividends, valuation, profitability and institutional ownership.

Analyst Recommendations

This is a breakdown of current recommendations for Ryvyl and Leafbuyer Technologies, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ryvyl	0	0	0	0	N/A
Leafbuyer Technologies	0	0	0	0	N/A

Insider & Institutional Ownership

17.4% of Ryvyl shares are owned by institutional investors. Comparatively, 11.0% of Leafbuyer Technologies shares are owned by institutional investors. 36.6% of Ryvyl shares are owned by insiders. Comparatively, 24.4% of Leafbuyer Technologies shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Profitability

This table compares Ryvyl and Leafbuyer Technologies’ net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
Ryvyl	-80.62%	N/A	-25.04%
Leafbuyer Technologies	-18.38%	N/A	-59.79%

Risk & Volatility

Ryvyl has a beta of 4.1, meaning that its stock price is 310% more volatile than the S&P 500. Comparatively, Leafbuyer Technologies has a beta of 0.89, meaning that its stock price is 11% less volatile than the S&P 500.

Valuation & Earnings

This table compares Ryvyl and Leafbuyer Technologies’ top-line revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ryvyl	$65.87 million	0.12	-$53.10 million	($9.83)	-0.13
Leafbuyer Technologies	$5.09 million	0.54	-$580,000.00	N/A	N/A

Leafbuyer Technologies has lower revenue, but higher earnings than Ryvyl.

Summary

Ryvyl beats Leafbuyer Technologies on 5 of the 8 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 Leafbuyer Technologies

Leafbuyer Technologies, Inc., through its subsidiary, LB Media Group, LLC, provides online resources for cannabis deals and specials in the United States. The company was founded in 2012 and is headquartered in Greenwood Village, Colorado.