NERDWALLET INC-CL A (NRDS)
US64082B1026 - Common Stock
Overall NRDS gets a fundamental rating of 5 out of 10. We evaluated NRDS against 51 industry peers in the Consumer Finance industry. While NRDS has a great health rating, there are worries on its profitability. While showing a medium growth rate, NRDS is valued expensive at the moment.
1. Profitability
1.1 Basic Checks
NRDS had negative earnings in the past year.
NRDS had a positive operating cash flow in the past year.
The reported net income has been mixed in the past 5 years: NRDS reported negative net income in multiple years.
In the past 5 years NRDS always reported a positive cash flow from operatings.
1.2 Ratios
NRDS has a worse Return On Assets (-2.61%) than 78.43% of its industry peers.
NRDS has a worse Return On Equity (-3.26%) than 76.47% of its industry peers.
The Return On Invested Capital of NRDS (1.58%) is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.61% | ||
| ROE | -3.26% | ||
| ROIC | 1.58% |
ROA(3y)-5.63%
ROA(5y)0.39%
ROE(3y)-7.57%
ROE(5y)2.46%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
NRDS's Operating Margin of 1.05% is in line compared to the rest of the industry. NRDS outperforms 41.18% of its industry peers.
In the last couple of years the Operating Margin of NRDS has grown nicely.
With an excellent Gross Margin value of 90.49%, NRDS belongs to the best of the industry, outperforming 84.31% of the companies in the same industry.
In the last couple of years the Gross Margin of NRDS has remained more or less at the same level.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 1.05% | ||
| PM (TTM) | N/A | ||
| GM | 90.49% |
OM growth 3Y2.5%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.12%
GM growth 5YN/A
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NRDS is destroying value.
Compared to 1 year ago, NRDS has more shares outstanding
There is no outstanding debt for NRDS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
NRDS has an Altman-Z score of 9.03. This indicates that NRDS is financially healthy and has little risk of bankruptcy at the moment.
With an excellent Altman-Z score value of 9.03, NRDS belongs to the best of the industry, outperforming 100.00% of the companies in the same industry.
There is no outstanding debt for NRDS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 9.03 |
ROIC/WACC0.17
WACC9.07%
2.3 Liquidity
A Current Ratio of 2.91 indicates that NRDS has no problem at all paying its short term obligations.
NRDS's Current ratio of 2.91 is amongst the best of the industry. NRDS outperforms 80.39% of its industry peers.
NRDS has a Quick Ratio of 2.91. This indicates that NRDS is financially healthy and has no problem in meeting its short term obligations.
NRDS has a better Quick ratio (2.91) than 80.39% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.91 | ||
| Quick Ratio | 2.91 |
3. Growth
3.1 Past
NRDS shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -200.00%.
Looking at the last year, NRDS shows a small growth in Revenue. The Revenue has grown by 4.90% in the last year.
The Revenue has been growing by 34.69% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)-200%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1000%
Revenue 1Y (TTM)4.9%
Revenue growth 3Y34.69%
Revenue growth 5YN/A
Sales Q2Q%25.2%
3.2 Future
The Earnings Per Share is expected to grow by 98.19% on average over the next years. This is a very strong growth
NRDS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 9.25% yearly.
EPS Next Y41.71%
EPS Next 2Y128.16%
EPS Next 3Y98.19%
EPS Next 5YN/A
Revenue Next Year11.31%
Revenue Next 2Y12.1%
Revenue Next 3Y12.08%
Revenue Next 5Y9.25%
3.3 Evolution
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for NRDS. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 30.64, NRDS can be considered very expensive at the moment.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NRDS indicates a slightly more expensive valuation: NRDS is more expensive than 72.55% of the companies listed in the same industry.
When comparing the Price/Forward Earnings ratio of NRDS to the average of the S&P500 Index (24.00), we can say NRDS is valued slightly more expensively.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 30.64 |
4.2 Price Multiples
NRDS's Enterprise Value to EBITDA is on the same level as the industry average.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of NRDS indicates a slightly more expensive valuation: NRDS is more expensive than 60.78% of the companies listed in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 15.35 | ||
| EV/EBITDA | 17.07 |
4.3 Compensation for Growth
NRDS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
NRDS's earnings are expected to grow with 98.19% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y128.16%
EPS Next 3Y98.19%
5. Dividend
5.1 Amount
No dividends for NRDS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NERDWALLET INC-CL A
NASDAQ:NRDS (11/22/2024, 5:45:04 PM)
After market: 13.75 0 (0%)13.75
-0.22 (-1.57%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners
Inst Owner Change
Ins Owners
Ins Owner Change
Market Cap1.01B
Analysts
Price Target
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)
DP
Div Incr Years
Div Non Decr Years
Ex-Date
Surprises & Revisions
EPS beat(2)
Avg EPS beat(2)
Min EPS beat(2)
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EPS beat(16)
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PT rev (1m)
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EPS NQ rev (1m)
EPS NQ rev (3m)
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Revenue NQ rev (1m)
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Revenue NY rev (1m)
Revenue NY rev (3m)
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 30.64 | ||
| P/S | |||
| P/FCF | |||
| P/OCF | |||
| P/B | |||
| P/tB | |||
| EV/EBITDA |
EPS(TTM)
EY
EPS(NY)
Fwd EY
FCF(TTM)
FCFY
OCF(TTM)
OCFY
SpS
BVpS
TBVpS
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.61% | ||
| ROE | -3.26% | ||
| ROCE | |||
| ROIC | |||
| ROICexc | |||
| ROICexgc | |||
| OM | 1.05% | ||
| PM (TTM) | N/A | ||
| GM | 90.49% | ||
| FCFM |
ROA(3y)
ROA(5y)
ROE(3y)
ROE(5y)
ROIC(3y)
ROIC(5y)
ROICexc(3y)
ROICexc(5y)
ROICexgc(3y)
ROICexgc(5y)
ROCE(3y)
ROCE(5y)
ROICexcg growth 3Y
ROICexcg growth 5Y
ROICexc growth 3Y
ROICexc growth 5Y
OM growth 3Y
OM growth 5Y
PM growth 3Y
PM growth 5Y
GM growth 3Y
GM growth 5Y
F-Score
Asset Turnover1.58
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | |||
| Debt/EBITDA | |||
| Cap/Depr | |||
| Cap/Sales | |||
| Interest Coverage | |||
| Cash Conversion | |||
| Profit Quality | |||
| Current Ratio | 2.91 | ||
| Quick Ratio | 2.91 | ||
| Altman-Z |
F-Score
WACC
ROIC/WACC
Cap/Depr(3y)
Cap/Depr(5y)
Cap/Sales(3y)
Cap/Sales(5y)
Profit Quality(3y)
Profit Quality(5y)
High Growth Momentum
Growth
EPS 1Y (TTM)-200%
EPS 3YN/A
EPS 5Y
EPS Q2Q%
EPS Next Y41.71%
EPS Next 2Y
EPS Next 3Y
EPS Next 5Y
Revenue 1Y (TTM)4.9%
Revenue growth 3Y34.69%
Revenue growth 5Y
Sales Q2Q%
Revenue Next Year
Revenue Next 2Y
Revenue Next 3Y
Revenue Next 5Y
EBIT growth 1Y
EBIT growth 3Y
EBIT growth 5Y
EBIT Next Year
EBIT Next 3Y
EBIT Next 5Y
FCF growth 1Y
FCF growth 3Y
FCF growth 5Y
OCF growth 1Y
OCF growth 3Y
OCF growth 5Y