Critical Comparison: HPIL (OTCMKTS:HPIL) vs. Ryvyl (NASDAQ:RVYL)

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

Profitability

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

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

Volatility and Risk

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

Analyst Ratings

This is a summary of current ratings and price targets for HPIL and Ryvyl, as provided by MarketBeat.

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

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

Valuation & Earnings

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

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
HPIL	N/A	N/A	N/A	N/A	N/A
Ryvyl	$65.87 million	0.20	-$53.10 million	($8.36)	-0.21

HPIL has higher earnings, but lower revenue than Ryvyl.

Institutional & Insider Ownership

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

Summary

HPIL beats Ryvyl on 5 of the 9 factors compared between the two stocks.

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.

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.