Is RYVYL Inc. (RVYL) Halal?
Shariah Screening — 5 Standards
Based on financial data from December 2024
| Standard | Debt Ratio | Cash Ratio | Receivables | Income | Status |
|---|---|---|---|---|---|
| AAOIFI | 305.2% / 30% | 37.6% / 30% | 16.9% / 30% | 23.25% / 5% | ✗ NOT HALAL |
| DJIM | 305.2% / 33% | 37.6% / 33% | 16.9% / 33% | 23.25% / 5% | ✗ NOT HALAL |
| MSCI | 17.2% / 33% | 2.1% / 33% | 1.0% / 33% | 23.25% / 5% | ✗ NOT HALAL |
| S&P | 305.2% / 33% | 37.6% / 33% | 16.9% / 33% | 23.25% / 5% | ✗ NOT HALAL |
| FTSE | 17.2% / 33% | 2.1% / 33% | 1.0% / 50% | 23.25% / 5% | ✗ NOT HALAL |
Financial Highlights
Profitability
| Gross Margin | 41.1% | |
| Operating Margin | -43.2% | |
| Net Margin | -40.9% | |
| Return on Equity (ROE) | -865.3% | |
| Return on Assets (ROA) | -3.8% |
Cash Flow & Balance Sheet
| Operating Cash Flow | $21M |
| Free Cash Flow | $19M |
| Total Debt | $21M |
| Current Ratio | 0.8 |
| Total Assets | $122M |
Price & Trading
| Last Close | $5.35 |
| 50-Day MA | $5.76 |
| 200-Day MA | $10.97 |
| Avg Volume | 310K |
| Beta | 2.7 |
|
52-Week Range
$4.50
| |
About RYVYL Inc. (RVYL)
Ryvyl Inc., a financial technology company, develops software platforms and tools that focuses on providing payment acceptance and disbursement capabilities in North America, Europe, and Asia. It offers dual-sided platform that enables businesses to accept payments from customers while distributing funds to vendors, employees, and partners; treasury management services; and payment solutions, including automated clearing house and wire transfer services. The company also provides IBAN issuance; foreign exchange; and electronic money institution services, as well as card issuing services, such as debit, credit, and virtual cards. It serves customers in various industries, including retail, e-commerce, financial services, logistics, healthcare, and other 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.
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Frequently Asked Questions
Is RYVYL Inc. (RVYL) halal to invest in?
Based on our screening using AAOIFI Standard 21 (the strictest methodology), RYVYL Inc. is Not Halal. The company fails one or more screening criteria. We screen against all 5 major standards: AAOIFI, DJIM, MSCI, S&P, and FTSE.
What is RYVYL Inc.'s debt ratio?
RYVYL Inc.'s debt ratio is 305.2% under the AAOIFI standard (which uses market capitalization as the denominator). The AAOIFI threshold is 30%. Under MSCI and FTSE (which use total assets as the denominator), the debt ratio is 17.2%.
What are RYVYL Inc.'s key financial metrics?
RYVYL Inc. has a market capitalization of $6M, and revenue of $56M. The company maintains a gross margin of 41.1% and a net margin of -40.9%. Return on equity stands at -865.3%.
How often is the screening data updated?
Our screening data is updated regularly using the latest available financial statements and market data. Stock prices and market caps are refreshed frequently, while financial statements are updated quarterly when companies report earnings.
Disclaimer: HalalStockGuide.com provides Shariah compliance screening for educational and informational purposes only. This is not a fatwa, financial advice, or a recommendation to buy or sell any security. Screening results are based on publicly available financial data and established methodologies. Always consult a qualified Islamic scholar and a licensed financial advisor before making investment decisions.