NERDWALLET INC-CL A (NRDS) Stock Fundamental Analysis
NASDAQ:NRDS - Nasdaq - US64082B1026 - Common Stock - Currency: USD
NRDS gets a fundamental rating of 6 out of 10. The analysis compared the fundamentals against 53 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 growing strongly while it is still valued neutral. This is a good combination!
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.
NRDS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With an excellent Return On Assets value of 6.21%, NRDS belongs to the best of the industry, outperforming 81.13% of the companies in the same industry.
NRDS has a Return On Equity (7.94%) which is comparable to the rest of the industry.
NRDS has a Return On Invested Capital (1.31%) which is comparable to the rest of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.21% | ||
| ROE | 7.94% | ||
| ROIC | 1.31% |
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 4.01%, NRDS is doing worse than 67.92% of the companies in the same industry.
NRDS's Profit Margin has declined in the last couple of years.
NRDS has a Operating Margin of 0.87%. This is in the lower half of the industry: NRDS underperforms 64.15% of its industry peers.
NRDS's Operating Margin has declined in the last couple of years.
With an excellent Gross Margin value of 90.82%, NRDS belongs to the best of the industry, outperforming 83.02% 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 | 0.87% | ||
| PM (TTM) | 4.01% | ||
| GM | 90.82% |
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.
Compared to 5 years ago, NRDS has more shares outstanding
The debt/assets ratio for NRDS is higher compared to a year ago.
2.2 Solvency
An Altman-Z score of 5.45 indicates that NRDS is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 5.45, NRDS belongs to the best of the industry, outperforming 96.23% of the companies in the same industry.
NRDS has no outstanding debt. Therefor its Debt/Equity and Debt/FCF ratios are 0 and belong to the best of the industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 5.45 |
ROIC/WACC0.15
WACC8.93%
2.3 Liquidity
NRDS has a Current Ratio of 2.68. This indicates that NRDS is financially healthy and has no problem in meeting its short term obligations.
Looking at the Current ratio, with a value of 2.68, NRDS is in the better half of the industry, outperforming 77.36% of the companies in the same industry.
A Quick Ratio of 2.68 indicates that NRDS has no problem at all paying its short term obligations.
With a decent Quick ratio value of 2.68, NRDS is doing good in the industry, outperforming 77.36% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.68 | ||
| Quick Ratio | 2.68 |
3. Growth
3.1 Past
The Earnings Per Share has grown by an impressive 646.15% 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.
Looking at the last year, NRDS shows a quite strong growth in Revenue. The Revenue has grown by 14.71% in the last year.
NRDS shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.67% yearly.
EPS 1Y (TTM)646.15%
EPS 3YN/A
EPS 5Y0.81%
EPS Q2Q%191.67%
Revenue 1Y (TTM)14.71%
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 very strong growth in Earnings Per Share. The EPS will grow by 22.05% on average per year.
Based on estimates for the next years, NRDS will show a small growth in Revenue. The Revenue will grow by 7.36% on average per year.
EPS Next Y-24.02%
EPS Next 2Y17.66%
EPS Next 3Y22.05%
EPS Next 5YN/A
Revenue Next Year18.35%
Revenue Next 2Y13.17%
Revenue Next 3Y10.16%
Revenue Next 5Y7.36%
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
With a Price/Earnings ratio of 13.34, NRDS is valued correctly.
Based on the Price/Earnings ratio, NRDS is valued a bit more expensive than 60.38% of the companies in the same industry.
NRDS's Price/Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 26.41.
Based on the Price/Forward Earnings ratio of 13.96, the valuation of NRDS can be described as correct.
Compared to the rest of the industry, the Price/Forward Earnings ratio of NRDS is on the same level as its industry peers.
NRDS's Price/Forward Earnings ratio indicates a rather cheap valuation when compared to the S&P500 average which is at 33.87.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.34 | ||
| Fwd PE | 13.96 |
4.2 Price Multiples
Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NRDS indicates a somewhat cheap valuation: NRDS is cheaper than 71.70% of the companies listed in the same industry.
NRDS's Price/Free Cash Flow ratio is in line with the industry average.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 12.76 | ||
| EV/EBITDA | 10.66 |
4.3 Compensation for Growth
A more expensive valuation may be justified as NRDS's earnings are expected to grow with 22.05% in the coming years.
PEG (NY)N/A
PEG (5Y)16.39
EPS Next 2Y17.66%
EPS Next 3Y22.05%
5. Dividend
5.1 Amount
No dividends for NRDS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
9.47
+0.29 (+3.16%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners76.9%
Inst Owner Change0.24%
Ins Owners4.36%
Ins Owner Change1.18%
Market Cap705.61M
Analysts81.54
Price Target15.64 (65.15%)
Short Float %5.44%
Short Ratio5.63
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)2308.4%
Min EPS beat(2)100%
Max EPS beat(2)4516.81%
EPS beat(4)3
Avg EPS beat(4)1165.02%
Min EPS beat(4)-125.51%
Max EPS beat(4)4516.81%
EPS beat(8)5
Avg EPS beat(8)542.18%
EPS beat(12)8
Avg EPS beat(12)383.83%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)2
Avg Revenue beat(2)7.35%
Min Revenue beat(2)6.9%
Max Revenue beat(2)7.8%
Revenue beat(4)3
Avg Revenue beat(4)5.91%
Min Revenue beat(4)-1.64%
Max Revenue beat(4)10.57%
Revenue beat(8)6
Avg Revenue beat(8)3.19%
Revenue beat(12)8
Avg Revenue beat(12)2.58%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)262.56%
EPS NY rev (1m)0%
EPS NY rev (3m)18.63%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)10.78%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.63%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 13.34 | ||
| Fwd PE | 13.96 | ||
| P/S | 0.96 | ||
| P/FCF | 12.76 | ||
| P/OCF | 9.31 | ||
| P/B | 1.9 | ||
| P/tB | 3.08 | ||
| EV/EBITDA | 10.66 |
EPS(TTM)0.71
EY7.5%
EPS(NY)0.68
Fwd EY7.16%
FCF(TTM)0.74
FCFY7.84%
OCF(TTM)1.02
OCFY10.74%
SpS9.86
BVpS4.99
TBVpS3.08
PEG (NY)N/A
PEG (5Y)16.39
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | 6.21% | ||
| ROE | 7.94% | ||
| ROCE | 1.66% | ||
| ROIC | 1.31% | ||
| ROICexc | 1.73% | ||
| ROICexgc | 3.37% | ||
| OM | 0.87% | ||
| PM (TTM) | 4.01% | ||
| GM | 90.82% | ||
| FCFM | 7.52% |
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 Turnover1.55
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 41.75% | ||
| Cap/Sales | 2.79% | ||
| Interest Coverage | 21.33 | ||
| Cash Conversion | 136.58% | ||
| Profit Quality | 187.46% | ||
| Current Ratio | 2.68 | ||
| Quick Ratio | 2.68 | ||
| Altman-Z | 5.45 |
F-Score8
WACC8.93%
ROIC/WACC0.15
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)646.15%
EPS 3YN/A
EPS 5Y0.81%
EPS Q2Q%191.67%
EPS Next Y-24.02%
EPS Next 2Y17.66%
EPS Next 3Y22.05%
EPS Next 5YN/A
Revenue 1Y (TTM)14.71%
Revenue growth 3Y21.9%
Revenue growth 5Y24.67%
Sales Q2Q%24.1%
Revenue Next Year18.35%
Revenue Next 2Y13.17%
Revenue Next 3Y10.16%
Revenue Next 5Y7.36%
EBIT growth 1Y-32.63%
EBIT growth 3YN/A
EBIT growth 5Y-19.84%
EBIT Next Year3902.93%
EBIT Next 3Y280.47%
EBIT Next 5Y124.54%
FCF growth 1Y550.59%
FCF growth 3YN/A
FCF growth 5Y24.92%
OCF growth 1Y90.45%
OCF growth 3Y115.24%
OCF growth 5Y17.99%