RVYL — Valuation Models

Interactive models with editable assumptions. All calculations run client-side.

Valuation Summary

Model	Intrinsic Value	vs Price ($5.59)
DCF	$-108.26	-2036.7%
Graham Number	—	—
Reverse DCF	—	—
DDM	—	—
EV/EBITDA	—	—

Values reflect default assumptions. Adjust inputs in each model below to update.

1 — Discounted Cash Flow (DCF)

Assumptions

Base FCF($B)Yahoo: -$7.69M

Near-term growth (yrs 1–5)(%)Rev: -1.6% / EPS: —

Long-term growth (yrs 6–10)(%)

Terminal growth rate(%)

WACC(%)Computed: 12.92%

Computed WACC: 12.92%

Cost of equity (Re)18.88%(Rf 4.30% + β 2.65 × ERP 5.50%)

Cost of debt (Rd)0.00%(no debt / unavailable → 0%)

Tax rate (T)21.00%(US statutory fallback)

Equity weight (E/V)68.45%

Debt weight (D/V)31.55%

Results

Intrinsic Value / share$-67.72

Current Price$5.59

Upside / Downside-1311.5%

Net Debt (used)$2.11M

Sensitivity: WACC (rows) × Near-term g (cols)

WACC \ Near-term	-3.0%	1.0%	5.0%	9.0%	13.0%
7.0%	$-109.18	$-130.92	$-156.21	$-185.49	$-219.20
8.0%	$-90.05	$-107.55	$-127.87	$-151.37	$-178.40
9.0%	$-76.79	$-91.36	$-108.26	$-127.77	$-150.19
10.0%	$-67.06	$-79.49	$-93.88	$-110.48	$-129.53
11.0%	$-59.61	$-70.41	$-82.90	$-97.28	$-113.76

2 — Graham Number

Assumptions

MultiplierGraham used 22.5 (15× P/E × 1.5× P/B)

EPS (trailing)($)Yahoo: $-29.31

Book Value / share($)Yahoo: $-3.51

Results

Graham Number requires positive EPS and positive Book Value per share. EPS is zero or negative. BVPS is zero or negative.

Graham Number—

Current Price$5.59

Margin of Safety—

Formula: √(22.5 × max(0,EPS) × max(0,BVPS))

3 — Reverse DCF (Implied Growth)

Assumptions

WACC(%)Computed: 12.92%

Terminal growth rate(%)

Computed WACC: 12.92%

Cost of equity (Re)18.88%(Rf 4.30% + β 2.65 × ERP 5.50%)

Cost of debt (Rd)0.00%(no debt / unavailable → 0%)

Tax rate (T)21.00%(US statutory fallback)

Equity weight (E/V)68.45%

Debt weight (D/V)31.55%

Results

Reverse DCF requires positive TTM free cash flow.

Current Price$5.59

Implied Near-term FCF Growth—

Historical Revenue Growth-1.6%

Historical Earnings Growth—

Base FCF (TTM)-$7.69M

Implied growth is the FCF growth rate (yrs 1–5) that makes the DCF intrinsic value equal the current price. Long-term growth is set to half the implied near-term rate.

4 — Dividend Discount Model (DDM)

Assumptions

Annual dividend D0($/share)Yahoo: —

Dividend growth rate (g)(%)

Required return (r)(%)

Results

This company does not pay a dividend. DDM is not applicable — the intrinsic value shown uses D0 = $0 unless you enter a hypothetical dividend above.

DDM Intrinsic Value / share—

Current Price$5.59

Upside / Downside—

Formula: D0 × (1+g) / (r − g)

5 — EV/EBITDA Multiple

Assumptions

EBITDA($B)Yahoo: -$3.87M

Target EV/EBITDA multipleCurrent: -2.0×

Net Debt($B)Default: $2.11M

Results

Implied Equity Value / share$4.55

Current Price$5.59

Upside / Downside-18.6%

Implied EV$7.87M

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