Critical Analysis: TSS (OTCMKTS:TSSI) versus Ryvyl (NASDAQ:RVYL)

TSS (OTCMKTS:TSSI) and Ryvyl (NASDAQ:RVYL) are both small-cap construction companies, but which is the better business? We will contrast the two companies based on the strength of their institutional ownership, risk, analyst recommendations, profitability, dividends, earnings and valuation.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
TSS	-2.51%	-33.91%	-3.25%
Ryvyl	-107.70%	-8,399.76%	-33.43%

Volatility & Risk

TSS has a beta of 0.62, indicating that its stock price is 38% less volatile than the S&P 500. Comparatively, Ryvyl has a beta of 3.27, indicating that its stock price is 227% more volatile than the S&P 500.

Analyst Recommendations

This is a breakdown of current recommendations and price targets for TSS and Ryvyl, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
TSS	0	0	0	0	N/A
Ryvyl	0	1	0	0	2.00

Earnings and Valuation

This table compares TSS and Ryvyl’s revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
TSS	$30.64 million	0.30	-$70,000.00	($0.06)	-6.67
Ryvyl	$32.91 million	0.76	-$49.24 million	($10.20)	-0.47

TSS has higher earnings, but lower revenue than Ryvyl. TSS is trading at a lower price-to-earnings ratio than Ryvyl, indicating that it is currently the more affordable of the two stocks.

Insider & Institutional Ownership

5.7% of Ryvyl shares are held by institutional investors. 26.6% of TSS shares are held by company insiders. Comparatively, 45.1% of Ryvyl shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company is poised for long-term growth.

About TSS

TSS, Inc. provides comprehensive services for the planning, design, deployment, maintenance, and refurbishment of end-user and enterprise systems, and mission-critical facilities in the United States. The company operates through two segments, Facilities and Systems Integration. It offers a single source solution for enabling technologies in data centers, operations centers, network facilities, server rooms, security operations centers, communications facilities, and the infrastructure systems. The company also provides technology consulting, design and engineering, project management, systems integration, systems installation, facilities management, and IT procurement and reseller services. It serves IT OEM equipment, technology, and service companies; private sector businesses; and government or commercial end users. The company was formerly known as Fortress International Group, Inc. and changed its name to TSS, Inc. in June 2013. TSS, Inc. was incorporated in 2004 and is headquartered in Round Rock, Texas.

About Ryvyl

Ryvyl Inc., a technology company, engages in the development, marketing, and sale of blockchain-based payment solutions. 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; point of sale solutions comprising software and hardware; and Coyni, a digital currency platform that is backed on a 1:1 ratio to the U.S. Dollar, which offers custodial assurance by utilizing its stable coin and blockchain technology in a closed-loop ecosystem. The company's brands include coyni, QuickCard, and ChargeSavvy. 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.