NERDWALLET INC-CL A (NRDS) Stock Fundamental Analysis
USA - NASDAQ:NRDS - US64082B1026 - Common Stock
11 USD
-0.01 (-0.09%)
11 USD
0 (0%)
Taking everything into account, NRDS scores 5 out of 10 in our fundamental rating. NRDS was compared to 55 industry peers in the Consumer Finance industry. While NRDS has a great health rating, its profitability is only average at the moment. NRDS shows excellent growth, but is valued quite expensive already.
1. Profitability
1.1 Basic Checks
NRDS had positive earnings in the past year.
In the past year NRDS had a positive cash flow from operations.
In multiple years NRDS reported negative net income over the last 5 years.
In the past 5 years NRDS always reported a positive cash flow from operatings.
1.2 Ratios
NRDS has a Return On Assets of 9.89%. This is amongst the best in the industry. NRDS outperforms 83.64% of its industry peers.
NRDS has a Return On Equity (12.08%) which is comparable to the rest of the industry.
Looking at the Return On Invested Capital, with a value of 5.05%, NRDS is in the better half of the industry, outperforming 63.64% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.89% | ||
| ROE | 12.08% | ||
| ROIC | 5.05% |
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
Looking at the Profit Margin, with a value of 6.11%, NRDS is doing worse than 60.00% of the companies in the same industry.
NRDS's Profit Margin has declined in the last couple of years.
NRDS's Operating Margin of 3.46% is on the low side compared to the rest of the industry. NRDS is outperformed by 60.00% of its industry peers.
NRDS's Operating Margin has declined in the last couple of years.
Looking at the Gross Margin, with a value of 91.03%, NRDS belongs to the top of the industry, outperforming 83.64% of the companies in the same industry.
NRDS's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 3.46% | ||
| PM (TTM) | 6.11% | ||
| GM | 91.03% |
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) below the Cost of Capital (WACC), NRDS is destroying value.
NRDS has less shares outstanding than it did 1 year ago.
The number of shares outstanding for NRDS has been increased compared to 5 years ago.
NRDS has a worse debt/assets ratio than last year.
2.2 Solvency
An Altman-Z score of 7.61 indicates that NRDS is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 7.61, NRDS belongs to the best of the industry, outperforming 96.36% of the companies in the same industry.
The Debt to FCF ratio of NRDS is 0.18, which is an excellent value as it means it would take NRDS, only 0.18 years of fcf income to pay off all of its debts.
NRDS's Debt to FCF ratio of 0.18 is amongst the best of the industry. NRDS outperforms 96.36% of its industry peers.
NRDS has a Debt/Equity ratio of 0.03. This is a healthy value indicating a solid balance between debt and equity.
NRDS's Debt to Equity ratio of 0.03 is amongst the best of the industry. NRDS outperforms 90.91% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.18 | ||
| Altman-Z | 7.61 |
ROIC/WACC0.46
WACC11.06%
2.3 Liquidity
A Current Ratio of 3.44 indicates that NRDS has no problem at all paying its short term obligations.
NRDS's Current ratio of 3.44 is fine compared to the rest of the industry. NRDS outperforms 80.00% of its industry peers.
NRDS has a Quick Ratio of 3.44. This indicates that NRDS is financially healthy and has no problem in meeting its short term obligations.
NRDS has a Quick ratio of 3.44. This is amongst the best in the industry. NRDS outperforms 81.82% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.44 | ||
| Quick Ratio | 3.44 |
3. Growth
3.1 Past
NRDS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 646.15%, which is quite impressive.
NRDS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.81% yearly.
Looking at the last year, NRDS shows a very strong growth in Revenue. The Revenue has grown by 28.75%.
The Revenue has been growing by 24.67% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)646.15%
EPS 3YN/A
EPS 5Y0.81%
EPS Q2Q%191.67%
Revenue 1Y (TTM)28.75%
Revenue growth 3Y21.9%
Revenue growth 5Y24.67%
Sales Q2Q%24.1%
3.2 Future
NRDS is expected to show quite a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 18.01% yearly.
Based on estimates for the next years, NRDS will show a small growth in Revenue. The Revenue will grow by 6.40% on average per year.
EPS Next Y-1.43%
EPS Next 2Y21.33%
EPS Next 3Y18.01%
EPS Next 5YN/A
Revenue Next Year16.73%
Revenue Next 2Y12.2%
Revenue Next 3Y10%
Revenue Next 5Y6.4%
3.3 Evolution
The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
4. Valuation
4.1 Price/Earnings Ratio
NRDS is valuated correctly with a Price/Earnings ratio of 15.49.
Compared to the rest of the industry, the Price/Earnings ratio of NRDS indicates a slightly more expensive valuation: NRDS is more expensive than 61.82% of the companies listed in the same industry.
When comparing the Price/Earnings ratio of NRDS to the average of the S&P500 Index (27.67), we can say NRDS is valued slightly cheaper.
Based on the Price/Forward Earnings ratio of 15.25, the valuation of NRDS can be described as correct.
Based on the Price/Forward Earnings ratio, NRDS is valued a bit more expensive than the industry average as 65.45% of the companies are valued more cheaply.
NRDS is valuated rather cheaply when we compare the Price/Forward Earnings ratio to 23.13, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.49 | ||
| Fwd PE | 15.25 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NRDS is valued a bit cheaper than 74.55% of the companies in the same industry.
NRDS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 13.08 | ||
| EV/EBITDA | 9.59 |
4.3 Compensation for Growth
A more expensive valuation may be justified as NRDS's earnings are expected to grow with 18.01% in the coming years.
PEG (NY)N/A
PEG (5Y)19.04
EPS Next 2Y21.33%
EPS Next 3Y18.01%
5. Dividend
5.1 Amount
NRDS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
11
-0.01 (-0.09%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners74.74%
Inst Owner Change-0.38%
Ins Owners4.17%
Ins Owner Change-0.46%
Market Cap836.00M
Analysts81.54
Price Target14.79 (34.45%)
Short Float %5.75%
Short Ratio4.86
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
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)52.18%
Min EPS beat(2)4.37%
Max EPS beat(2)100%
EPS beat(4)4
Avg EPS beat(4)1197.48%
Min EPS beat(4)4.37%
Max EPS beat(4)4516.81%
EPS beat(8)6
Avg EPS beat(8)581.7%
EPS beat(12)9
Avg EPS beat(12)386.98%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)0.81%
Min Revenue beat(2)-6.18%
Max Revenue beat(2)7.8%
Revenue beat(4)3
Avg Revenue beat(4)4.77%
Min Revenue beat(4)-6.18%
Max Revenue beat(4)10.57%
Revenue beat(8)5
Avg Revenue beat(8)2.13%
Revenue beat(12)7
Avg Revenue beat(12)1.84%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)-5.43%
EPS NQ rev (1m)6.71%
EPS NQ rev (3m)87.76%
EPS NY rev (1m)0%
EPS NY rev (3m)29.73%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-2.73%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-1.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15.49 | ||
| Fwd PE | 15.25 | ||
| P/S | 1.08 | ||
| P/FCF | 13.08 | ||
| P/OCF | 10.06 | ||
| P/B | 2.14 | ||
| P/tB | 3.4 | ||
| EV/EBITDA | 9.59 |
EPS(TTM)0.71
EY6.45%
EPS(NY)0.72
Fwd EY6.56%
FCF(TTM)0.84
FCFY7.64%
OCF(TTM)1.09
OCFY9.94%
SpS10.15
BVpS5.13
TBVpS3.23
PEG (NY)N/A
PEG (5Y)19.04
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 9.89% | ||
| ROE | 12.08% | ||
| ROCE | 6.57% | ||
| ROIC | 5.05% | ||
| ROICexc | 6.75% | ||
| ROICexgc | 12.53% | ||
| OM | 3.46% | ||
| PM (TTM) | 6.11% | ||
| GM | 91.03% | ||
| FCFM | 8.29% |
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
ROICexcg growth 3YN/A
ROICexcg 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-Score8
Asset Turnover1.62
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.18 | ||
| Debt/EBITDA | 0.15 | ||
| Cap/Depr | 38.71% | ||
| Cap/Sales | 2.49% | ||
| Interest Coverage | 89 | ||
| Cash Conversion | 108.91% | ||
| Profit Quality | 135.67% | ||
| Current Ratio | 3.44 | ||
| Quick Ratio | 3.44 | ||
| Altman-Z | 7.61 |
F-Score8
WACC11.06%
ROIC/WACC0.46
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)646.15%
EPS 3YN/A
EPS 5Y0.81%
EPS Q2Q%191.67%
EPS Next Y-1.43%
EPS Next 2Y21.33%
EPS Next 3Y18.01%
EPS Next 5YN/A
Revenue 1Y (TTM)28.75%
Revenue growth 3Y21.9%
Revenue growth 5Y24.67%
Sales Q2Q%24.1%
Revenue Next Year16.73%
Revenue Next 2Y12.2%
Revenue Next 3Y10%
Revenue Next 5Y6.4%
EBIT growth 1Y551.22%
EBIT growth 3YN/A
EBIT growth 5Y-19.84%
EBIT Next Year4072.74%
EBIT Next 3Y282.66%
EBIT Next 5Y121.37%
FCF growth 1Y350%
FCF growth 3YN/A
FCF growth 5Y24.92%
OCF growth 1Y81.44%
OCF growth 3Y115.24%
OCF growth 5Y17.99%