RYVYL Inc., a leading innovator of payment transaction solutions, has reported its financial results for Q4 and the full year of 2024. The company has reiterated its 2025 guidance of $80 million to $90 million in revenue and a gross margin in the mid-40s percentage. The update was provided by RYVYL's Co-founder and CEO, Fredi Nisan.

RYVYL Inc., a leading innovator of payment transaction solutions, has been rapidly onboarding new accounts for its recently announced digital banking partners at RYVYL EU. The company has onboarded over 10,000 accounts, averaging 1,000 new accounts per day with its first digital banking partner. Its second digital bank has completed API integrations and expects to start onboarding by mid-April. As a financial analyst, these developments suggest strong growth potential for RYVYL Inc. in the digital banking sector.

Skillsoft Corp. shares decreased by approximately 27% on Tuesday after the company reported mixed fourth-quarter financial results and a FY25 revenue projection below market estimates. The company reported an adjusted loss of $3.09 per share, which was less than the market estimates of $3.27 per share. However, Skillsoft's quarterly sales were $137.540 million, lower than the expected $141.897 million. The shares fell to $6.74 on Tuesday.

The consolidated results for the years ending December 31, 2024, and 2023 show a decrease in revenue from $65,869 thousand to $55,998 thousand, a 15% drop. The cost of revenue also dropped by 16.4%, leading to a gross profit decrease of 12.8%. Operating expenses varied, with advertising and marketing seeing a 19.5% increase but research and development costs dropped by 33.2%. General and administrative costs were down by 20.1%, but payroll and payroll taxes witnessed an increase of 15.1%. Professional fees were also part of the operating expenses, however, the exact change for 2024 is not specified.

1) Brief Summary: The company RYVYL Inc. has shown a significant decrease in performance over the past quarter, with a -35.00% performance and a -14.99% change in sales year over year. The company has a high relative volume of 1.81 and is highly volatile with a beta of 4.24. The average volume is above the norm, suggesting increased activity. The company has also seen a significant negative return on equity and return on investment, indicating losses on investments. Insider ownership is quite high at 26.17%, which may suggest confidence in the company’s future, but recent insider transactions show sales of company stock. Financial statements reveal a concerning discrepancy between total assets and liabilities, indicating potential financial instability. 2) MARKET_SCORE: Given the negative performance and financial instability, I calculate a low likelihood of an upward move: MARKET_SCORE: 25

3) PRICE_TARGET: Considering the negative performance and high volatility, it's challenging to forecast a higher price. If the company can stabilize its financials and improve performance, a moderate price increase is possible. Assuming a 10% increase from the current price of $0.897, the price target would be: PRICE_TARGET: $0.987

4) AI_RPT_HEADLINE: "RYVYL Inc. Struggles Amidst Poor Performance and Financial Instabilities"

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