14.4 USD
+0.48 (+3.45%)
14.4 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 is valied quite expensively at the moment, while it does show a decent growth rate.
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 Return On Assets of 9.89%. This is amongst the best in the industry. NRDS outperforms 85.45% of its industry peers.
The Return On Equity of NRDS (12.08%) is comparable to the rest of the industry.
NRDS's Return On Invested Capital of 5.05% is fine compared to the rest of the industry. NRDS outperforms 61.82% of its industry peers.
| 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
With a Profit Margin value of 6.11%, NRDS is not doing good in the industry: 63.64% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of NRDS has declined.
With a Operating Margin value of 3.46%, NRDS is not doing good in the industry: 61.82% of the companies in the same industry are doing better.
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 85.45% 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.
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
NRDS has an Altman-Z score of 9.40. This indicates that NRDS is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of NRDS (9.40) is better than 98.18% of its industry peers.
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 has a better Debt to FCF ratio (0.18) than 98.18% of its industry peers.
A Debt/Equity ratio of 0.03 indicates that NRDS is not too dependend on debt financing.
NRDS has a better Debt to Equity ratio (0.03) than 92.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.18 | ||
| Altman-Z | 9.4 |
ROIC/WACC0.49
WACC10.28%
2.3 Liquidity
A Current Ratio of 3.44 indicates that NRDS has no problem at all paying its short term obligations.
NRDS has a Current ratio of 3.44. This is in the better half of the industry: NRDS outperforms 80.00% of its industry peers.
A Quick Ratio of 3.44 indicates that NRDS has no problem at all paying its short term obligations.
Looking at the Quick ratio, with a value of 3.44, NRDS is in the better half of the industry, outperforming 80.00% 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 3300.00% over the past year.
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 quite a strong growth in Revenue. In the last year, the Revenue has grown by 14.71%.
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)14.71%
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 quite strong growth in Earnings Per Share. The EPS will grow by 18.01% on average per year.
The Revenue is expected to grow by 6.40% on average over the next years.
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
When comparing the EPS growth rate of the last years to the growth rate of the upcoming years, we see that the growth is accelerating.
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
The Price/Earnings ratio is 15.00, which indicates a correct valuation of NRDS.
NRDS's Price/Earnings ratio is a bit more expensive when compared to the industry. NRDS is more expensive than 63.64% of the companies in the same industry.
When comparing the Price/Earnings ratio of NRDS to the average of the S&P500 Index (25.65), we can say NRDS is valued slightly cheaper.
With a Price/Forward Earnings ratio of 19.96, NRDS is valued on the expensive side.
NRDS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. NRDS is more expensive than 65.45% of the companies in the same industry.
When comparing the Price/Forward Earnings ratio of NRDS to the average of the S&P500 Index (34.45), we can say NRDS is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15 | ||
| Fwd PE | 19.96 |
4.2 Price Multiples
NRDS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. NRDS is cheaper than 63.64% of the companies in the same industry.
The rest of the industry has a similar Price/Free Cash Flow ratio as NRDS.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 17.13 | ||
| EV/EBITDA | 12.96 |
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)18.43
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 |
14.4
+0.48 (+3.45%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners74.74%
Inst Owner Change-13.87%
Ins Owners4.17%
Ins Owner Change-0.8%
Market Cap1.09B
Revenue(TTM)687.60M
Net Income(TTM)47.10M
Analysts81.54
Price Target16.49 (14.51%)
Short Float %5.97%
Short Ratio4.28
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)11.49%
PT rev (3m)11.49%
EPS NQ rev (1m)0%
EPS NQ rev (3m)6.71%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)-0.1%
Revenue NQ rev (3m)-0.03%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 15 | ||
| Fwd PE | 19.96 | ||
| P/S | 1.42 | ||
| P/FCF | 17.13 | ||
| P/OCF | 13.17 | ||
| P/B | 2.81 | ||
| P/tB | 4.46 | ||
| EV/EBITDA | 12.96 |
EPS(TTM)0.96
EY6.67%
EPS(NY)0.72
Fwd EY5.01%
FCF(TTM)0.84
FCFY5.84%
OCF(TTM)1.09
OCFY7.59%
SpS10.15
BVpS5.13
TBVpS3.23
PEG (NY)N/A
PEG (5Y)18.43
Graham Number10.53
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
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-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 | 9.4 |
F-Score8
WACC10.28%
ROIC/WACC0.49
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 Y-1.43%
EPS Next 2Y21.33%
EPS Next 3Y18.01%
EPS Next 5YN/A
Revenue 1Y (TTM)14.71%
Revenue growth 3Y21.9%
Revenue growth 5Y24.67%
Sales Q2Q%12.44%
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%
NERDWALLET INC-CL A / NRDS FAQ
What is the fundamental rating for NRDS stock?
ChartMill assigns a fundamental rating of 5 / 10 to NRDS.
What is the valuation status of NERDWALLET INC-CL A (NRDS) stock?
ChartMill assigns a valuation rating of 3 / 10 to NERDWALLET INC-CL A (NRDS). This can be considered as Overvalued.
How profitable is NERDWALLET INC-CL A (NRDS) stock?
NERDWALLET INC-CL A (NRDS) has a profitability rating of 4 / 10.
Can you provide the financial health for NRDS stock?
The financial health rating of NERDWALLET INC-CL A (NRDS) is 8 / 10.