13.77 USD
+0.02 (+0.15%)
13.9653 USD
+0.2 (+1.42%)
Overall NRDS gets a fundamental rating of 6 out of 10. We evaluated NRDS against 55 industry peers in the Consumer Finance industry. NRDS has an excellent financial health rating, but there are some minor concerns on its profitability. NRDS is not priced too expensively while it is growing strongly. Keep and eye on this one! With these ratings, NRDS could be worth investigating further for growth investing!.
1. Profitability
1.1 Basic Checks
In the past year NRDS was profitable.
In the past year NRDS had a positive cash flow from operations.
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
Looking at the Return On Assets, with a value of 14.87%, NRDS belongs to the top of the industry, outperforming 96.36% of the companies in the same industry.
Looking at the Return On Equity, with a value of 18.22%, NRDS is in the better half of the industry, outperforming 70.91% of the companies in the same industry.
The Return On Invested Capital of NRDS (10.15%) is better than 74.55% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 14.87% | ||
| ROE | 18.22% | ||
| ROIC | 10.15% |
ROA(3y)0.58%
ROA(5y)-1.57%
ROE(3y)0.72%
ROE(5y)-2.17%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
NRDS has a Profit Margin (9.22%) which is in line with its industry peers.
In the last couple of years the Profit Margin of NRDS has declined.
NRDS has a Operating Margin (6.86%) which is comparable to the rest of the industry.
In the last couple of years the Operating Margin of NRDS has declined.
NRDS's Gross Margin of 91.60% is amongst the best of the industry. NRDS outperforms 85.45% of its industry peers.
NRDS's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 6.86% | ||
| PM (TTM) | 9.22% | ||
| GM | 91.6% |
OM growth 3YN/A
OM growth 5Y-35.7%
PM growth 3YN/A
PM growth 5Y-16.05%
GM growth 3Y-0.63%
GM growth 5Y-0.47%
2. Health
2.1 Basic Checks
With a Return on Invested Capital (ROIC) just above the Cost of Capital (WACC), NRDS is creating some value.
Compared to 1 year ago, NRDS has less shares outstanding
NRDS has more shares outstanding than it did 5 years ago.
NRDS has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 8.68 indicates that NRDS is not in any danger for bankruptcy at the moment.
NRDS has a Altman-Z score of 8.68. This is amongst the best in the industry. NRDS outperforms 98.18% of its industry peers.
The Debt to FCF ratio of NRDS is 0.07, which is an excellent value as it means it would take NRDS, only 0.07 years of fcf income to pay off all of its debts.
Looking at the Debt to FCF ratio, with a value of 0.07, NRDS belongs to the top of the industry, outperforming 98.18% of the companies in the same industry.
A Debt/Equity ratio of 0.01 indicates that NRDS is not too dependend on debt financing.
The Debt to Equity ratio of NRDS (0.01) is better than 92.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | 8.68 |
ROIC/WACC1.15
WACC8.84%
2.3 Liquidity
A Current Ratio of 3.70 indicates that NRDS has no problem at all paying its short term obligations.
NRDS has a Current ratio of 3.70. This is amongst the best in the industry. NRDS outperforms 85.45% of its industry peers.
A Quick Ratio of 3.70 indicates that NRDS has no problem at all paying its short term obligations.
NRDS's Quick ratio of 3.70 is amongst the best of the industry. NRDS outperforms 85.45% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.7 | ||
| Quick Ratio | 3.7 |
3. Growth
3.1 Past
NRDS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 3300.00%, which is quite impressive.
Measured over the past 5 years, NRDS shows a small growth in Earnings Per Share. The EPS has been growing by 0.81% on average per year.
NRDS shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.71%.
Measured over the past years, NRDS shows a very strong growth in Revenue. The Revenue has been growing by 24.67% on average per year.
EPS 1Y (TTM)3300%
EPS 3YN/A
EPS 5Y0.81%
EPS Q2Q%277.78%
Revenue 1Y (TTM)24.71%
Revenue growth 3Y21.9%
Revenue growth 5Y24.67%
Sales Q2Q%12.44%
3.2 Future
Based on estimates for the next years, NRDS will show a very strong growth in Earnings Per Share. The EPS will grow by 33.29% on average per year.
The Revenue is expected to grow by 8.26% on average over the next years. This is quite good.
EPS Next Y30.48%
EPS Next 2Y39.26%
EPS Next 3Y33.29%
EPS Next 5YN/A
Revenue Next Year22.38%
Revenue Next 2Y14.53%
Revenue Next 3Y12.42%
Revenue Next 5Y8.26%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
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
Based on the Price/Earnings ratio of 14.34, the valuation of NRDS can be described as correct.
Compared to the rest of the industry, the Price/Earnings ratio of NRDS indicates a slightly more expensive valuation: NRDS is more expensive than 60.00% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of NRDS to the average of the S&P500 Index (27.00), we can say NRDS is valued slightly cheaper.
The Price/Forward Earnings ratio is 14.49, which indicates a correct valuation of NRDS.
NRDS's Price/Forward Earnings ratio is in line with the industry average.
The average S&P500 Price/Forward Earnings ratio is at 23.70. NRDS is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.34 | ||
| Fwd PE | 14.49 |
4.2 Price Multiples
74.55% of the companies in the same industry are more expensive than NRDS, based on the Enterprise Value to EBITDA ratio.
NRDS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 11.89 | ||
| EV/EBITDA | 8.57 |
4.3 Compensation for Growth
The 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 33.29% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.47
PEG (5Y)17.63
EPS Next 2Y39.26%
EPS Next 3Y33.29%
5. Dividend
5.1 Amount
NRDS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
13.77
+0.02 (+0.15%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners78.36%
Inst Owner Change0%
Ins Owners4.39%
Ins Owner Change-1.08%
Market Cap1.00B
Revenue(TTM)795.00M
Net Income(TTM)73.30M
Analysts81.54
Price Target16.49 (19.75%)
Short Float %5.7%
Short Ratio2.9
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)30.74%
Min EPS beat(2)4.37%
Max EPS beat(2)57.11%
EPS beat(4)4
Avg EPS beat(4)1169.57%
Min EPS beat(4)4.37%
Max EPS beat(4)4516.81%
EPS beat(8)6
Avg EPS beat(8)577.87%
EPS beat(12)9
Avg EPS beat(12)382.78%
EPS beat(16)11
Avg EPS beat(16)293.18%
Revenue beat(2)1
Avg Revenue beat(2)1.41%
Min Revenue beat(2)-6.18%
Max Revenue beat(2)8.99%
Revenue beat(4)3
Avg Revenue beat(4)4.38%
Min Revenue beat(4)-6.18%
Max Revenue beat(4)8.99%
Revenue beat(8)5
Avg Revenue beat(8)2.78%
Revenue beat(12)7
Avg Revenue beat(12)2.31%
Revenue beat(16)11
Avg Revenue beat(16)2.95%
PT rev (1m)0%
PT rev (3m)11.49%
EPS NQ rev (1m)0%
EPS NQ rev (3m)16.86%
EPS NY rev (1m)0%
EPS NY rev (3m)32.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)8.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.34 | ||
| Fwd PE | 14.49 | ||
| P/S | 1.26 | ||
| P/FCF | 11.89 | ||
| P/OCF | 9.76 | ||
| P/B | 2.49 | ||
| P/tB | 3.82 | ||
| EV/EBITDA | 8.57 |
EPS(TTM)0.96
EY6.97%
EPS(NY)0.95
Fwd EY6.9%
FCF(TTM)1.16
FCFY8.41%
OCF(TTM)1.41
OCFY10.25%
SpS10.93
BVpS5.53
TBVpS3.6
PEG (NY)0.47
PEG (5Y)17.63
Graham Number10.93
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 14.87% | ||
| ROE | 18.22% | ||
| ROCE | 13.03% | ||
| ROIC | 10.15% | ||
| ROICexc | 14.18% | ||
| ROICexgc | 26.4% | ||
| OM | 6.86% | ||
| PM (TTM) | 9.22% | ||
| GM | 91.6% | ||
| FCFM | 10.59% |
ROA(3y)0.58%
ROA(5y)-1.57%
ROE(3y)0.72%
ROE(5y)-2.17%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y-36.98%
ROICexc growth 3YN/A
ROICexc growth 5Y-44.38%
OM growth 3YN/A
OM growth 5Y-35.7%
PM growth 3YN/A
PM growth 5Y-16.05%
GM growth 3Y-0.63%
GM growth 5Y-0.47%
F-Score9
Asset Turnover1.61
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.07 | ||
| Debt/EBITDA | 0.06 | ||
| Cap/Depr | 38.1% | ||
| Cap/Sales | 2.31% | ||
| Interest Coverage | 272.5 | ||
| Cash Conversion | 99.81% | ||
| Profit Quality | 114.87% | ||
| Current Ratio | 3.7 | ||
| Quick Ratio | 3.7 | ||
| Altman-Z | 8.68 |
F-Score9
WACC8.84%
ROIC/WACC1.15
Cap/Depr(3y)64.08%
Cap/Depr(5y)80.19%
Cap/Sales(3y)4.66%
Cap/Sales(5y)5.54%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)3300%
EPS 3YN/A
EPS 5Y0.81%
EPS Q2Q%277.78%
EPS Next Y30.48%
EPS Next 2Y39.26%
EPS Next 3Y33.29%
EPS Next 5YN/A
Revenue 1Y (TTM)24.71%
Revenue growth 3Y21.9%
Revenue growth 5Y24.67%
Sales Q2Q%12.44%
Revenue Next Year22.38%
Revenue Next 2Y14.53%
Revenue Next 3Y12.42%
Revenue Next 5Y8.26%
EBIT growth 1Y713.43%
EBIT growth 3YN/A
EBIT growth 5Y-19.84%
EBIT Next Year4664.15%
EBIT Next 3Y287.85%
EBIT Next 5Y123.48%
FCF growth 1Y139.89%
FCF growth 3YN/A
FCF growth 5Y24.92%
OCF growth 1Y63.9%
OCF growth 3Y115.24%
OCF growth 5Y17.99%
NERDWALLET INC-CL A / NRDS FAQ
What is the fundamental rating for NRDS stock?
ChartMill assigns a fundamental rating of 6 / 10 to NRDS.
What is the valuation status for NRDS stock?
ChartMill assigns a valuation rating of 5 / 10 to NERDWALLET INC-CL A (NRDS). This can be considered as Fairly Valued.
How profitable is NERDWALLET INC-CL A (NRDS) stock?
NERDWALLET INC-CL A (NRDS) has a profitability rating of 5 / 10.
Can you provide the expected EPS growth for NRDS stock?
The Earnings per Share (EPS) of NERDWALLET INC-CL A (NRDS) is expected to grow by 30.48% in the next year.