HPIL (OTCMKTS:HPIL) versus Ryvyl (NASDAQ:RVYL) Critical Survey

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

Risk & Volatility

Ryvyl has a beta of 4.33, meaning that its stock price is 333% more volatile than the S&P 500. Comparatively, HPIL has a beta of 1.57, meaning that its stock price is 57% more volatile than the S&P 500.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Ryvyl	-70.05%	-235.63%	-13.42%
HPIL	N/A	N/A	N/A

Insider and Institutional Ownership

17.4% of Ryvyl shares are owned by institutional investors. 30.8% of Ryvyl shares are owned by company insiders. Comparatively, 84.8% of HPIL shares are owned by company insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a company is poised for long-term growth.

Analyst Ratings

This is a breakdown of recent recommendations for Ryvyl and HPIL, as reported by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ryvyl	0	1	0	0	2.00
HPIL	0	0	0	0	0.00

Given HPIL’s higher probable upside, analysts clearly believe HPIL is more favorable than Ryvyl.

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ryvyl	$65.87 million	0.14	-$53.10 million	($8.36)	-0.15
HPIL	N/A	N/A	N/A	N/A	N/A

HPIL has lower revenue, but higher earnings than Ryvyl.

Summary

HPIL beats Ryvyl on 5 of the 9 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 HPIL

HPIL Holding, a development stage company, engages in developing technology projects in Canada. It also focuses on developing online and artificial intelligence games; and ZIPPA, a multi-gaming global platform for gamers, as well as powertrain management system. The company was formerly known as Cybernetic Technologies Ltd. and changed its name to HPIL Holding in August 2021. HPIL Holding was incorporated in 2009 and is headquartered in Vancouver, Canada.