NERDWALLET INC-CL A (NRDS) Stock Fundamental Analysis
USA - NASDAQ:NRDS - US64082B1026 - Common Stock
12.03 USD
+0.36 (+3.08%)
12.19 USD
+0.16 (+1.33%)
We assign a fundamental rating of 5 out of 10 to NRDS. NRDS was compared to 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 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.
The reported net income has been mixed in the past 5 years: NRDS reported negative net income in multiple years.
Each year in the past 5 years NRDS had a positive operating cash flow.
1.2 Ratios
With an excellent Return On Assets value of 9.89%, NRDS belongs to the best of the industry, outperforming 85.45% of the companies in the same industry.
NRDS's Return On Equity of 12.08% is in line compared to the rest of the industry. NRDS outperforms 56.36% of its industry peers.
NRDS's Return On Invested Capital of 5.05% is fine compared to the rest of the industry. NRDS outperforms 63.64% 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
NRDS's Profit Margin of 6.11% is on the low side compared to the rest of the industry. NRDS is outperformed by 60.00% of its industry peers.
In the last couple of years the Profit Margin of NRDS has declined.
With a Operating Margin value of 3.46%, NRDS perfoms like the industry average, outperforming 43.64% of the companies in the same industry.
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.
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
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.
Compared to 1 year ago, NRDS has a worse debt to assets ratio.
2.2 Solvency
NRDS has an Altman-Z score of 7.96. This indicates that NRDS is financially healthy and has little risk of bankruptcy at the moment.
Looking at the Altman-Z score, with a value of 7.96, NRDS belongs to the top of the industry, outperforming 98.18% 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.
Looking at the Debt to FCF ratio, with a value of 0.18, NRDS belongs to the top of the industry, outperforming 98.18% of the companies in the same industry.
A Debt/Equity ratio of 0.03 indicates that NRDS is not too dependend on debt financing.
The Debt to Equity ratio of NRDS (0.03) is better than 92.73% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.03 | ||
| Debt/FCF | 0.18 | ||
| Altman-Z | 7.96 |
ROIC/WACC0.48
WACC10.49%
2.3 Liquidity
NRDS has a Current Ratio of 3.44. This indicates that NRDS is financially healthy and has no problem in meeting 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.
NRDS's Quick ratio of 3.44 is amongst the best of 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
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.
NRDS shows a strong growth in Revenue. In the last year, the Revenue has grown by 28.75%.
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
The Earnings Per Share is expected to grow by 18.01% on average over the next years. This is quite good.
NRDS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.40% yearly.
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.
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
NRDS is valuated correctly with a Price/Earnings ratio of 16.94.
Based on the Price/Earnings ratio, NRDS is valued a bit more expensive than the industry average as 61.82% of the companies are valued more cheaply.
Compared to an average S&P500 Price/Earnings ratio of 26.51, NRDS is valued a bit cheaper.
Based on the Price/Forward Earnings ratio of 16.68, the valuation of NRDS can be described as correct.
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 63.64% 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 (22.53), we can say NRDS is valued slightly cheaper.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 16.94 | ||
| Fwd PE | 16.68 |
4.2 Price Multiples
NRDS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. NRDS is cheaper than 72.73% of the companies in the same industry.
NRDS's Price/Free Cash Flow is on the same level as the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 14.31 | ||
| EV/EBITDA | 10.24 |
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)20.82
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 |
12.03
+0.36 (+3.08%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners74.74%
Inst Owner Change-14.79%
Ins Owners4.17%
Ins Owner Change-0.49%
Market Cap914.28M
Revenue(TTM)771.20M
Net Income(TTM)47.10M
Analysts81.54
Price Target14.79 (22.94%)
Short Float %5.86%
Short Ratio5.36
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)0%
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 | 16.94 | ||
| Fwd PE | 16.68 | ||
| P/S | 1.19 | ||
| P/FCF | 14.31 | ||
| P/OCF | 11 | ||
| P/B | 2.34 | ||
| P/tB | 3.72 | ||
| EV/EBITDA | 10.24 |
EPS(TTM)0.71
EY5.9%
EPS(NY)0.72
Fwd EY6%
FCF(TTM)0.84
FCFY6.99%
OCF(TTM)1.09
OCFY9.09%
SpS10.15
BVpS5.13
TBVpS3.23
PEG (NY)N/A
PEG (5Y)20.82
Graham Number9.05
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 | 7.96 |
F-Score8
WACC10.49%
ROIC/WACC0.48
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%
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.