vs
Side-by-side financial comparison of Pintec Technology Holdings Ltd (JF) and RYVYL Inc. (RVYL). Click either name above to swap in a different company.
RYVYL Inc. runs the higher net margin — 46.1% vs -31.0%, a 77.1% gap on every dollar of revenue.
Pintec Technology Holdings Ltd is a fintech SaaS provider offering end-to-end digital financial solutions. Its core services include intelligent risk management, digital lending facilitation, and wealth management tools, serving banks, consumer finance firms and e-commerce platforms primarily in the Chinese market.
RYVYL Inc. is a global fintech company that provides embedded financial services, point-of-sale solutions, payment processing, and digital banking tools primarily for small and medium-sized businesses. It operates mainly across North America and European markets, with core segments covering B2B payment infrastructure for retail and hospitality sectors.
JF vs RVYL — Head-to-Head
Income Statement — Q2 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $295.2K | $-9.6M |
| Net Profit | $-91.6K | $-4.4M |
| Gross Margin | 60.9% | — |
| Operating Margin | -47.2% | — |
| Net Margin | -31.0% | 46.1% |
| Revenue YoY | — | -116.6% |
| Net Profit YoY | — | 35.6% |
| EPS (diluted) | $0.00 | $-28.13 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | — | $-9.6M | ||
| Q3 25 | — | $2.8M | ||
| Q2 25 | $295.2K | $2.8M | ||
| Q1 25 | — | $15.1M | ||
| Q4 24 | — | $-4.4M | ||
| Q3 24 | — | $2.8M | ||
| Q2 24 | $289.0K | $3.0M | ||
| Q1 24 | — | $16.8M |
| Q4 25 | — | $-4.4M | ||
| Q3 25 | — | $-2.0M | ||
| Q2 25 | $-91.6K | $-8.4M | ||
| Q1 25 | — | $-2.8M | ||
| Q4 24 | — | $-6.9M | ||
| Q3 24 | — | $-5.2M | ||
| Q2 24 | $-161.6K | $-12.1M | ||
| Q1 24 | — | $-2.7M |
| Q4 25 | — | — | ||
| Q3 25 | — | 50.0% | ||
| Q2 25 | 60.9% | 43.8% | ||
| Q1 25 | — | 44.4% | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 37.7% | ||
| Q2 24 | 59.6% | 37.9% | ||
| Q1 24 | — | 41.9% |
| Q4 25 | — | — | ||
| Q3 25 | — | -65.0% | ||
| Q2 25 | -47.2% | -118.1% | ||
| Q1 25 | — | -5.6% | ||
| Q4 24 | — | 187.9% | ||
| Q3 24 | — | -129.4% | ||
| Q2 24 | -51.1% | -449.0% | ||
| Q1 24 | — | -11.4% |
| Q4 25 | — | 46.1% | ||
| Q3 25 | — | -70.1% | ||
| Q2 25 | -31.0% | -302.1% | ||
| Q1 25 | — | -18.2% | ||
| Q4 24 | — | 155.0% | ||
| Q3 24 | — | -182.7% | ||
| Q2 24 | -55.9% | -407.5% | ||
| Q1 24 | — | -16.0% |
| Q4 25 | — | $-28.13 | ||
| Q3 25 | — | $-0.07 | ||
| Q2 25 | $0.00 | $-0.80 | ||
| Q1 25 | — | $-0.33 | ||
| Q4 24 | — | $-137.16 | ||
| Q3 24 | — | $-0.76 | ||
| Q2 24 | $0.00 | $-1.88 | ||
| Q1 24 | — | $-0.45 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $653.0K | $7.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | — | $668.0K |
| Total Assets | $1.9M | $13.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $7.4M | ||
| Q3 25 | — | $1.2M | ||
| Q2 25 | $653.0K | $210.0K | ||
| Q1 25 | — | $3.0M | ||
| Q4 24 | — | $2.6M | ||
| Q3 24 | — | $4.3M | ||
| Q2 24 | $863.7K | $6.4M | ||
| Q1 24 | — | $10.5M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | $19.6M | ||
| Q4 24 | — | $17.4M | ||
| Q3 24 | — | $17.7M | ||
| Q2 24 | — | $17.5M | ||
| Q1 24 | — | $16.8M |
| Q4 25 | — | $668.0K | ||
| Q3 25 | — | $-3.2M | ||
| Q2 25 | — | $-6.9M | ||
| Q1 25 | — | $-3.1M | ||
| Q4 24 | — | $-1.5M | ||
| Q3 24 | — | $6.3M | ||
| Q2 24 | — | $10.0M | ||
| Q1 24 | — | $20.5M |
| Q4 25 | — | $13.1M | ||
| Q3 25 | — | $23.4M | ||
| Q2 25 | $1.9M | $20.6M | ||
| Q1 25 | — | $108.1M | ||
| Q4 24 | — | $122.3M | ||
| Q3 24 | — | $127.3M | ||
| Q2 24 | $2.2M | $109.0M | ||
| Q1 24 | — | $131.9M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | — | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | 2.80× | ||
| Q2 24 | — | 1.74× | ||
| Q1 24 | — | 0.82× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | — | $-23.0M |
| Free Cash FlowOCF − Capex | — | $-23.1M |
| FCF MarginFCF / Revenue | — | 241.6% |
| Capex IntensityCapex / Revenue | — | -0.8% |
| Cash ConversionOCF / Net Profit | — | — |
| TTM Free Cash FlowTrailing 4 quarters | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | — | $-23.0M | ||
| Q3 25 | — | $-3.1M | ||
| Q2 25 | — | $12.4M | ||
| Q1 25 | — | $-15.6M | ||
| Q4 24 | — | $21.2M | ||
| Q3 24 | — | $16.4M | ||
| Q2 24 | — | $-12.8M | ||
| Q1 24 | — | $15.5M |
| Q4 25 | — | $-23.1M | ||
| Q3 25 | — | — | ||
| Q2 25 | — | $12.4M | ||
| Q1 25 | — | $-15.6M | ||
| Q4 24 | — | $21.1M | ||
| Q3 24 | — | $16.4M | ||
| Q2 24 | — | $-12.8M | ||
| Q1 24 | — | $15.5M |
| Q4 25 | — | 241.6% | ||
| Q3 25 | — | — | ||
| Q2 25 | — | 444.4% | ||
| Q1 25 | — | -103.0% | ||
| Q4 24 | — | -478.5% | ||
| Q3 24 | — | 579.0% | ||
| Q2 24 | — | -432.2% | ||
| Q1 24 | — | 92.4% |
| Q4 25 | — | -0.8% | ||
| Q3 25 | — | 0.0% | ||
| Q2 25 | — | 2.4% | ||
| Q1 25 | — | 0.1% | ||
| Q4 24 | — | -1.1% | ||
| Q3 24 | — | 1.0% | ||
| Q2 24 | — | 0.5% | ||
| Q1 24 | — | 0.1% |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
