RVYL_OUT_1 [2025-03-20 15:18:42 -0400] 2145 Bytes | 604 tokens | Cum: 604 tkns (7.55% of 8k)
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Listen up, partner—it's 03:18:40 PM on Thursday March 20, 2025 ET (UTC-0400), and I’m revved up about Ryvyl (RVYL), climbing from 0.98 to 1.1712. This stock is buzzing big-time—do we have a hidden gem, or a flash in the pan? Help me sift through the data!

Here's the first list of news for Ryvyl:

C1 - Today 07:00AM - RYVYL Secures Major Payments-as-a-Service Contracts, Set to Onboard Nearly One Million New Accounts in the next 12 Months
C2 - Mar-18-25 10:00AM - Ryvyl (RVYL) May Report Negative Earnings: Know the Trend Ahead of Q4 Release
C3 - Feb-25-25 07:00AM - RYVYL Announces 2024 Preliminary Revenue of $56.0 Million and Introduces 2025 Revenue Guidance of $80 Million to $90 Million
C4 - Feb-06-25 09:45AM - Q1 2025 Symbotic Inc Earnings Call
C5 - Jan-28-25 07:00AM - RYVYL Pays Initial $13.0 Million Tranche to Securityholder to Retire All Outstanding Series B Convertible Preferred Stock and Majority of 8% Senior Convertible Note
C6 - Jan-24-25 07:05AM - RYVYL Executes Repurchase and Repayment Agreement with Securityholder to Retire All Outstanding Series B Convertible Preferred Stock and Outstanding Balance of 8% Senior Convertible Note
C7 - Jan-22-25 07:05AM - RYVYL Executes NEW MOU with Securityholder to Retire 8% Senior Convertible Note and Series B Convertible Preferred Stock
C8 - Dec-10-24 05:35AM - Is Artificial Intelligence Stock Symbotic a Buy?

ONLY 3 RULES for AI:
==============
1) I am a document retrieval system. You are the analyst-investigator.
2) You can request items from my lists to get more info on Ryvyl (RVYL)
3) AFTER requesting and reading News and SEC filings you'll write a summary, set a score, high price target and headline.
Now, your response should be only 2 or 3 chars. You can say ex., C1, C2, etc., or NEX
The NEX command delivers the NEXt list of News/SEC/Metrics
There are several more lists that use our unified document retrieval system in subsequent prompts.
Your predictons will be compared to reality to rate your accuracy. Try to predict accurately. GOOD LUCK!
Please request a document, read, summarize and score. Say something like "C1".

RVYL_OUT_3 [2025-03-20 15:18:46 -0400] 1039 Bytes | 324 tokens | Cum: 930 tkns (11.62% of 8k)
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Showing C3 (chunk 1 of 10): C3:
**RYVYL Announces 2024 Preliminary Revenue of $56.0 Million and Introduces 2025 Revenue Guidance of $80 Million to $90 Million**
Date: Feb-25-25 07:00AM
Source: (GlobeNewswire)
URL: https://www.globenewswire.com/news-release/2025/02/25/3031843/0/en/RYVYL-Announces-2024-Preliminary-Revenue-of-56-0-Million-and-Introduces-2025-Revenue-Guidance-of-80-Million-to-90-Million.html

February 25, 2025 07:00 ET| Source:RYVYL Inc.RYVYL Inc.

- Expects 2025 gross margin to expand to mid-40s percentage -

SAN DIEGO, CA, Feb. 25, 2025 (GLOBE NEWSWIRE) -- RYVYL Inc. (NASDAQ: RVYL) ("RYVYL" or the "Company"), a leading innovator of payment transaction solutions leveraging electronic payment technology for diverse international markets, announced it expects to report 2024 total revenue of $56.0 million, within the range of 2024 full year revenue guidance of $56 million to $60 million. Management int

-- More of this article? (say: MOR) or Next section? (say: NEX) (only 3 chars. - please don't summarize yet)

RVYL_OUT_5 [2025-03-20 15:18:47 -0400] 1047 Bytes | 253 tokens | Cum: 1185 tkns (14.81% of 8k)
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Showing C3 (chunk 2 of 10): ends to report financial results in mid-March 2025.

“Robust business development and sales initiatives in 2024 have positioned us to resume strong growth in 2025,” said Fredi Nisan, CEO of RYVYL. “In addition, our efforts to grow our high-margin, banking-related revenue at RYVYL EU are coming to fruition. Our product mix has been shifting. As this continues, we expect to drive significantly higher overall gross margin in 2025.”

Based on the strength of its RYVYL EU as well as newly signed business and a solid pipeline for both RYVYL EU and NEMS, the Company expects 2025 revenue to be in the range of $80 million to $90 million. This represents over 50% growth at the mid-point of the range in comparison to 2024 preliminary revenue results. The Company also expects to increase gross margins to the mid-40s percent, which would yield a positive annual adjusted EBITDA and positive operating

-- More of this article? (say: MOR) or Next section? (say: NEX) (only 3 chars. - please don't summarize yet)

RVYL_OUT_7 [2025-03-20 15:18:49 -0400] 1039 Bytes | 304 tokens | Cum: 1491 tkns (18.64% of 8k)
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We present this news so you can catch the big movers from recently breaking news.
Here's a list of news articles you can literally read just by asking.
Usually the first item is the most important.

A1 - 2025-03-20T12:10:12Z - 12 Financials Stocks Moving In Thursday's Pre-Market Session - CNFinance Hldgs (NYSE:CNF), AGM Gr Hl...
A2 - 2025-03-20T11:00:01Z - RYVYL Secures Major Payments-as-a-Service Contracts, Set to Onboard Nearly One Million New Accounts ...
A3 - 2025-03-20T11:16:58Z - RYVYL Secures Major Payments-as-a-Service Contracts, Set to Onboard Nearly One Million New Accounts ...
A4 - 2025-03-20T11:30:25Z - RYVYL Secures Major Payments-as-a-Service Contracts, Set to Onboard Nearly One Million New Accounts ...
A5 - 2025-03-20T11:10:05Z - RYVYL Secures Major Payments-as-a-Service Contracts, Set to Onboard Nearly One Million New Accounts ...

Request an article by its reference number. (Ex., "A1" gets the first item)
You may also say NEX to go to the next listing.
Response to this prompt limited to 3 chars.

RVYL_OUT_9 [2025-03-20 15:18:51 -0400] 1038 Bytes | 332 tokens | Cum: 1825 tkns (22.81% of 8k)
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Showing A1 (chunk 1 of 3): A1:
**12 Financials Stocks Moving In Thursday's Pre-Market Session - CNFinance Hldgs (NYSE:CNF), AGM Gr Hldgs (NASDAQ:AGMH)**Date: 2025-03-20Source: {'uri': 'benzinga.com', 'dataType': 'news', 'title': 'Benzinga'}URL: https://www.benzinga.com/insights/movers/25/03/44414704/12-financials-stocks-moving-in-thursdays-pre-market-sessionGainers ProAssurance PRA stock moved upwards by 48.7% to $23.11 during Thursday's pre-market session. The company's market cap stands at $1.1 billion. AGM Group Hldgs AGMH stock moved upwards by 27.77% to $0.09. The company's market cap stands at $3.9 million. Prestige Wealth PWM stock rose 7.82% to $0.55. The company's market cap stands at $17.4 million. Ryvyl RVYL shares rose 7.14% to $1.05. The company's market cap stands at $8.7 million. X Financial XYF shares rose 6.61% to $14.03. The company's market cap stands at $665.1 million. As per the press release,

-- More of this article? (say: MOR) or Next section? (say: NEX) (only 3 chars. - please don't summarize yet)

RVYL_OUT_11 [2025-03-20 15:18:52 -0400] 1062 Bytes | 320 tokens | Cum: 2147 tkns (26.84% of 8k)
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This is our final list of news.
News AI can literally read just by asking.
Don't miss the breaking news!

B1 - 2024-10-29T22:06:00Z - Inari Medical, Hertz Global, Fastly, and Ryvyl Investigation Alert: Johnson Fistel, LLP Encourages Long-Term Investors to Reach Out for More Information
B2 - 2024-07-01T11:00:00Z - RYVYL Increases Focus on Licensing and Aligns U.S. Operations by Business Unit
B3 - 2024-04-16T18:17:57Z - Why Skillsoft Shares Are Trading Lower By Around 27%? Here Are Other Stocks Moving In Tuesday's Mid-Day Session
B4 - 2024-04-16T12:14:17Z - Why Macatawa Bank Shares Are Trading Higher By Around 37%; Here Are 20 Stocks Moving Premarket
B5 - 2024-04-15T20:27:00Z - RYVYL Inc. Announces Launch of Proposed Underwritten Public Offering
B6 - 2024-03-27T17:06:58Z - Why LuxUrban Hotels Shares Are Trading Lower By Around 27%? Here Are Other Stocks Moving In Wednesday's Mid-Day Session

Request an article by its reference number. (Ex., "B1" gets the first item)
You can say NEX to go to the next listing.
Response limited to 3 chars.

RVYL_OUT_13 [2025-03-20 15:18:57 -0400] 1042 Bytes | 276 tokens | Cum: 2425 tkns (30.31% of 8k)
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Showing B3 (chunk 1 of 3): B3:
**Why Skillsoft Shares Are Trading Lower By Around 27%? Here Are Other Stocks Moving In Tuesday's Mid-Day Session**Date: Unknown DateSource: Unknown SourceURL: https://www.benzinga.com/news/24/04/38278089/why-skillsoft-shares-are-trading-lower-by-around-27-here-are-other-stocks-moving-in-tuesdays-mid-dayShares of Skillsoft Corp. (NASDAQ: SKIL) fell sharply during Tuesday’s session after the company reported mixed fourth-quarter financial results and issued FY25 revenue guidance below estimates.
Skillsoft posted adjusted loss of $3.09 per share, versus market estimates of $3.27 per share. The company’s quarterly sales came in at $137.540 million versus expectations of $141.897 million.
Skillsoft shares dipped 26.7% to $6.74 on Tuesday.
Here are some other stocks moving in today's mid-day session.
Gainers

WiSA Technologies, Inc. (NASDAQ: WISA) jumped 85% to $3.2379 after the company

-- More of this article? (say: MOR) or Next section? (say: NEX) (only 3 chars. - please don't summarize yet)

RVYL_OUT_15 [2025-03-20 15:18:59 -0400] 1081 Bytes | 308 tokens | Cum: 2854 tkns (35.68% of 8k)
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This is our list of SEC filings.
If empty, the search returned no recent filings.

S1 - 2025-02-28 8-K Item 2.02. Results of Oper and Fin Cond.

On February 25, 2025, RYVYL Inc., a Nevada corporation (the Company), issued a press release including certain preliminary financial and operating results for the year ended December 31, 2024. The press release also cont...

S5 - 2025-01-24 8-K Item 1.01 Entry into a Material Definitive Agrmt

Preferred Stock Repurchase And Note Repayment Agrmt

On January 23, 2025, RYVYL Inc., a Nevada corporation (the Company) entered into a Preferred Stock Repurchase and Note Repayment Agrmt (the Repurchase Agrmt) w...

S9 - 2024-11-14 10-Q PART I - FIN INFO

ITEM 1. FIN STATEMENTS

RYVYL INC.

COND CONS BAL SHEETS

(Dollars in thousands, except share and per share data)

September 30, 2024

December 31, 2023

(Unaudited)

ASSETS

Curr Assets:

Cash and cash eq...

Request filing by its reference number. (Ex., "S1" gets the first item)
You can say NEX to go to the next listing.
Response limited to 3 chars.

RVYL_OUT_17 [2025-03-20 15:19:00 -0400] 1038 Bytes | 234 tokens | Cum: 3090 tkns (38.62% of 8k)
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Showing S1 (chunk 1 of 3): S1:
Item 2.02. Results of Operations and Financial Condition.

On February 25, 2025, RYVYL Inc., a Nevada corporation (the Company), issued a press release including certain preliminary financial and operating results for the year ended December 31, 2024. The press release also contains information providing certain 2025 revenue and operating guidance for the Company. A copy of the press release is furnished as Exhibit 99.1 to this Current Report on Form 8-K (the Current Report) and is incorporated herein by reference.

You are advised that the financial information presented in the press release is based on preliminary, unaudited financial statements prepared by management, for the year ended December 31, 2024, and has not yet been reviewed by the Companys independent auditors. Accordingly, such financial information may be subject to change. All information contained in the press rel

-- More of this article? (say: MOR) or Next section? (say: NEX) (only 3 chars. - please don't summarize yet)

RVYL_OUT_19 [2025-03-20 15:19:01 -0400] 1038 Bytes | 248 tokens | Cum: 3340 tkns (41.75% of 8k)
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Showing S1 (chunk 2 of 3): ease is qualified with reference to the audited financial results for the year ended December 31, 2024, which is expected to be released on or around March 13, 2025, in the Companys Annual Report on Form 10-K for the year ended December 31, 2024, and will be posted on www.SEC.gov and on the Companys website at www.investors.ryvyl.com/financials/sec-filings/. While the Company does not expect there to be any material changes to the financial information provided in the press release, any variation between the Companys actual results and the preliminary financial information set forth in the press release may be material.

The information in this Item 2.02 and Exhibit 99.1 attached hereto will not be deemed filed for purposes of Section 18 of the Exchange Act or otherwise subject to the liabilities of that section, nor will it be deemed incorporated by reference in any filing under the Se

-- More of this article? (say: MOR) or Next section? (say: NEX) (only 3 chars. - please don't summarize yet)

RVYL_OUT_21 [2025-03-20 15:19:16 -0400] 5290 Bytes | 1588 tokens | Cum: 4930 tkns (61.62% of 8k)
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This is our set of metrics.
Please analyze the numbers.

+--------------------+-----------------------+----------------------+------------------------+-----------------------+------------------------+
| Volume: 183,484 | SMA50: -0.24% | Market Cap: 9.43M | Option/Short: No / Yes | Sales past 5Y: 79.76% | Sales Surprise: -9.39% |
+--------------------+-----------------------+----------------------+------------------------+-----------------------+------------------------+
| Avg Volume: 91.02K | SMA200: -20.57% | Shs Outstand: 6.96M | Short Float: 3.23% | Employees: 99 | EPS Surprise: -186.79% |
+--------------------+-----------------------+----------------------+------------------------+-----------------------+------------------------+
| Rel Volume: 2.35 | Perf Week: 20.73% | Shs Float: 6.17M | Short Ratio: 2.19 | Debt/Eq: 3.43 | P/E: - |
+--------------------+-----------------------+----------------------+------------------------+-----------------------+------------------------+
| RSI (14): 60.18 | Perf Month: 7.62% | Inst Own: 4.65% | Short Interest: 0.20M | Sales Y/Y TTM: 17.56% | Earnings: Nov 14 AMC |
+--------------------+-----------------------+----------------------+------------------------+-----------------------+------------------------+
| ATR (14): 0.12 | Perf Quarter: -25.66% | Insider Own: 26.17% | Beta: 4.55 | ROE: -882.48% | |
+--------------------+-----------------------+----------------------+------------------------+-----------------------+------------------------+
| SMA20: 24.09% | Index: - | Insider Trans: 0.00% | Sales Q/Q: -27.88% | ROI: -183.92% | |
+--------------------+-----------------------+----------------------+------------------------+-----------------------+------------------------+

The next section covers any insider trading.
If this section is blank, it's because there've been no recent filings.

Inside Trans: RYVYL Inc. (RVYL) by Errez Ben (Chairman of Board of Directors) on 2025-01-30
- Common Stock par value $0.001: 3816 shares at $1.31 (D)
- Common Stock par value $0.001: 3968 shares at $1.26 (D)

Inside Trans: RYVYL Inc. (RVYL) by Montoya David (Unknown Title) on 2025-02-15
- Common Stock par value $0.001: 3968 shares at $1.26 (D)

Inside Trans: RYVYL Inc. (RVYL) by Nisan Fredi (Chief Executive Officer) on 2025-02-15
- Common Stock par value $0.001: 3968 shares at $1.26 (D)

Inside Trans: RYVYL Inc. (RVYL) by Montoya David (Unknown Title) on 2025-01-15
- Common Stock par value $0.001: 3816 shares at $1.31 (D)

Inside Trans: RYVYL Inc. (RVYL) by Nisan Fredi (Chief Executive Officer) on 2024-12-31
- Common Stock par value $0.001: 10955 shares at $1.3 (D)

Inside Trans: RYVYL Inc. (RVYL) by Errez Ben (Chairman of Board of Directors) on 2024-12-31
- Common Stock par value $0.001: 10955 shares at $1.3 (D)

[Company Financial Summary]
[Company Details]
Name: Ryvyl Inc. Common Stock
Market Cap: N/A
Shares Outstanding: N/A
Sector: SERVICES-MANAGEMENT CONSULTING SERVICES

[Financial Statements - Latest Quarter]
Total Assets: N/A
Total Liabilities: N/A
Total Equity: N/A
Revenue (Quarter): {'value': 63529000.0, 'unit': 'USD', 'label': 'Revenues', 'order': 100}
Net Income: {'value': -49977000.0, 'unit': 'USD', 'label': 'Net Income/Loss', 'order': 3200}
Earnings Per Share (EPS): N/A

[Price Metrics - Last 30 Days]
Latest Close: 1.23
Average Volume: 79668.17
30-Day High: 1.23
30-Day Low: 0.807

[Detailed Financials: Q3 2024]
- Total Assets: $127,311,000.0
- Total Liabilities: $120,988,000.0
- Total Equity: $6,323,000.0
- Current Assets: $95,713,000.0
- Current Liabilities: $100,138,000.0

[Income Statement: Q3 2024]
- Revenue: $12,606,000.0
- Net Income: $-5,174,000.0
- Operating Income: $-2,480,000.0
- Earnings Per Share (EPS): -0.76

[Cash Flow Statement: Q3 2024]
- Net Cash Flow: $16,323,000.0

[Detailed Financials: Q2 2024]
- Total Assets: $109,033,000.0
- Total Liabilities: $100,404,000.0
- Total Equity: $10,028,000.0
- Current Assets: $79,497,000.0
- Current Liabilities: $79,656,000.0

[Income Statement: Q2 2024]
- Revenue: $11,900,000.0
- Net Income: $-12,111,000.0
- Operating Income: $-10,890,000.0
- Earnings Per Share (EPS): -1.88

[Cash Flow Statement: Q2 2024]
- Net Cash Flow: $-13,656,000.0
==== END OF FINANCIAL REPORT ====

Now we've reached the end of the analysis.
You are now requested to make a summary analysis.
Please don't explain why you didn't have enough information.
Save that for the survey that comes last.

Finish the summary with two scores: MARKET_SCORE[] and PRICE_TARGET[]

If you calculate a 92% likelihood of an upward moves, say: MARKET_SCORE[92]
If you think the high today will be 50% higher, add to the price. Eg., If the price is $5.00, add 50%: PRICE_TARGET[$7.50]
PRICE_TARGET is the highest it is expected to rise today, so it cannot be less than the current price.
Please provide a thought-provoking take, 6-10 words, to use for the headline of this news story.
Like this: AI_RPT_HEADLINE: [6-10 words headline for news story from first summary paragraph]
1) Brief Summary, 2) MARKET_SCORE, 3) PRICE_TARGET, and 4) AI_RPT_HEADLINE

RVYL_OUT_23 [2025-03-20 15:19:20 -0400] 561 Bytes | 131 tokens | Cum: 5280 tkns (66.00% of 8k)
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Finally, if more data could have improved your confidence which would you have chosen? **Choose one option:**
-> X0 <- Nothing more would have helped my analysis
-> X1 <- More stock-specific news
-> X2 <- More SEC filings & insider data
-> X3 <- Broader sector & market news
-> X4 <- General market sentiment & AI confidence levels
-> X5 <- AI's past analysis on similar companies
-> X6 <- More financial metrics
-> X7 <- AI's past analysis on this exact company
-> X8 <- Something altogether different (explain...)

RVYL_IN_25 [2025-03-20 15:19:21 -0400] 126 Bytes | 29 tokens | Cum: 5400 tkns (67.50% of 8k)
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====================================
[2025-03-20 12:19:21] # Analysis Completed
Elapsed Time: 41.20 seconds