NERDWALLET INC-CL A (NRDS) Stock Fundamental Analysis
NASDAQ:NRDS - US64082B1026 - Common Stock
10.29 USD
+0.14 (+1.38%)
10.29 USD
0 (0%)
Taking everything into account, NRDS scores 5 out of 10 in our fundamental rating. NRDS was compared to 54 industry peers in the Consumer Finance industry. While NRDS has a great health rating, its profitability is only average at the moment. NRDS is valued quite expensively, but it does show have an excellent growth rating.
1. Profitability
1.1 Basic Checks
In the past year NRDS was profitable.
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 better Return On Assets (9.89%) than 83.33% of its industry peers.
With a Return On Equity value of 12.08%, NRDS perfoms like the industry average, outperforming 57.41% of the companies in the same industry.
With a decent Return On Invested Capital value of 5.05%, NRDS is doing good in the industry, outperforming 62.96% 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
NRDS has a Profit Margin of 6.11%. This is in the lower half of the industry: NRDS underperforms 61.11% of its industry peers.
In the last couple of years the Profit Margin of NRDS has declined.
NRDS has a worse Operating Margin (3.46%) than 61.11% of its industry peers.
In the last couple of years the Operating Margin of NRDS has declined.
Looking at the Gross Margin, with a value of 91.03%, NRDS belongs to the top of the industry, outperforming 83.33% 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 | 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
NRDS has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for NRDS has been reduced compared to 1 year ago.
The number of shares outstanding for NRDS has been increased compared to 5 years ago.
Compared to 1 year ago, NRDS has a worse debt to assets ratio.
2.2 Solvency
An Altman-Z score of 7.22 indicates that NRDS is not in any danger for bankruptcy at the moment.
NRDS has a better Altman-Z score (7.22) than 98.15% of its industry peers.
NRDS has a debt to FCF ratio of 0.18. This is a very positive value and a sign of high solvency as it would only need 0.18 years to pay back of all of its debts.
NRDS has a Debt to FCF ratio of 0.18. This is amongst the best in the industry. NRDS outperforms 96.30% 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.
The Debt to Equity ratio of NRDS (0.03) is better than 90.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.18 | ||
| Altman-Z | 7.22 |
ROIC/WACC0.47
WACC10.79%
2.3 Liquidity
A Current Ratio of 3.44 indicates that NRDS has no problem at all paying its short term obligations.
The Current ratio of NRDS (3.44) is better than 79.63% 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.
Looking at the Quick ratio, with a value of 3.44, NRDS belongs to the top of the industry, outperforming 81.48% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.44 | ||
| Quick Ratio | 3.44 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 646.15% over the past year.
NRDS shows a small growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 0.81% yearly.
The Revenue has grown by 28.75% in the past year. This is a very strong growth!
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)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
Based on estimates for the next years, NRDS will show a quite strong growth in Earnings Per Share. The EPS will grow by 18.01% on average per year.
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 2Y12.22%
Revenue Next 3Y9.69%
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 14.49.
Based on the Price/Earnings ratio, NRDS is valued a bit more expensive than 62.96% of the companies in the same industry.
The average S&P500 Price/Earnings ratio is at 27.03. NRDS is valued slightly cheaper when compared to this.
NRDS is valuated correctly with a Price/Forward Earnings ratio of 14.27.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NRDS is on the same level as its industry peers.
The average S&P500 Price/Forward Earnings ratio is at 22.63. NRDS is valued slightly cheaper when compared to this.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.49 | ||
| Fwd PE | 14.27 |
4.2 Price Multiples
Based on the Enterprise Value to EBITDA ratio, NRDS is valued a bit cheaper than 74.07% 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 | 12.24 | ||
| EV/EBITDA | 8.87 |
4.3 Compensation for Growth
NRDS's earnings are expected to grow with 18.01% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)17.81
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 |
10.29
+0.14 (+1.38%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners76.9%
Inst Owner Change-0.38%
Ins Owners4.36%
Ins Owner Change1.18%
Market Cap782.04M
Analysts81.54
Price Target14.79 (43.73%)
Short Float %5.73%
Short Ratio4.97
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)-5.43%
PT rev (3m)-5.43%
EPS NQ rev (1m)75.96%
EPS NQ rev (3m)-2.05%
EPS NY rev (1m)29.73%
EPS NY rev (3m)50.64%
Revenue NQ rev (1m)-2.73%
Revenue NQ rev (3m)-1.92%
Revenue NY rev (1m)-1.37%
Revenue NY rev (3m)-1.37%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 14.49 | ||
| Fwd PE | 14.27 | ||
| P/S | 1.01 | ||
| P/FCF | 12.24 | ||
| P/OCF | 9.41 | ||
| P/B | 2.01 | ||
| P/tB | 3.18 | ||
| EV/EBITDA | 8.87 |
EPS(TTM)0.71
EY6.9%
EPS(NY)0.72
Fwd EY7.01%
FCF(TTM)0.84
FCFY8.17%
OCF(TTM)1.09
OCFY10.63%
SpS10.15
BVpS5.13
TBVpS3.23
PEG (NY)N/A
PEG (5Y)17.81
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 | 7.22 |
F-Score8
WACC10.79%
ROIC/WACC0.47
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 2Y12.22%
Revenue Next 3Y9.69%
Revenue Next 5Y6.4%
EBIT growth 1Y551.22%
EBIT growth 3YN/A
EBIT growth 5Y-19.84%
EBIT Next Year3902.93%
EBIT Next 3Y280.47%
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%