Contrasting Ryvyl (NASDAQ:RVYL) & CGI (NYSE:GIB)

Ryvyl (NASDAQ:RVYL) and CGI (NYSE:GIB) are both business services companies, but which is the better stock? We will compare the two companies based on the strength of their valuation, earnings, analyst recommendations, institutional ownership, dividends, risk and profitability.

Analyst Ratings

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

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
Ryvyl	0	1	0	0	2.00
CGI	0	1	1	0	2.50

CGI has a consensus target price of $117.25, suggesting a potential upside of 13.26%. Given CGI’s stronger consensus rating and higher probable upside, analysts clearly believe CGI is more favorable than Ryvyl.

Risk & Volatility

Ryvyl has a beta of 3.27, meaning that its stock price is 227% more volatile than the S&P 500. Comparatively, CGI has a beta of 0.9, meaning that its stock price is 10% less volatile than the S&P 500.

Institutional and Insider Ownership

5.7% of Ryvyl shares are owned by institutional investors. Comparatively, 49.0% of CGI shares are owned by institutional investors. 45.1% of Ryvyl shares are owned by insiders. Comparatively, 9.9% of CGI shares are owned by insiders. Strong institutional ownership is an indication that large money managers, hedge funds and endowments believe a company is poised for long-term growth.

Profitability

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

	Net Margins	Return on Equity	Return on Assets
Ryvyl	-107.70%	-8,399.76%	-33.43%
CGI	11.25%	20.67%	10.26%

Earnings and Valuation

This table compares Ryvyl and CGI’s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
Ryvyl	$47.87 million	0.59	-$49.24 million	($10.20)	-0.53
CGI	$14.04 billion	1.74	$1.15 billion	$4.94	20.96

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

Summary

CGI beats Ryvyl on 12 of the 14 factors compared between the two stocks.

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.

About CGI

CGI Inc., together with its subsidiaries, provides information technology (IT) and business process services in Canada; Western, Southern, Central, and Eastern Europe; Australia; Scandinavia; Finland, Poland, and Baltics; the United States; the United Kingdom; and the Asia Pacific. Its services include the management of IT and business outsourcing, systems integration and consulting, and software solutions selling activities. The company also provides application development, integration and maintenance, testing, portfolio management, and modernization services; business consulting; and a suite of business process services designed to address the needs of specific industries, as well as IT infrastructure services. It serves clients operating in government, banking and capital market, health, utility, communication and media, oil and gas, retail, consumer and services, space, manufacturing, insurance, life sciences, retail and consumer service, and transportation and logistics sectors. The company was formerly known as CGI Group Inc. and changed its name to CGI Inc. in January 2019. CGI Inc. was founded in 1976 and is headquartered in Montreal, Canada.