NERDWALLET INC-CL A (NRDS) Stock Fundamental Analysis
NASDAQ:NRDS - Nasdaq - US64082B1026 - Common Stock - Currency: USD
NRDS gets a fundamental rating of 5 out of 10. The analysis compared the fundamentals against 52 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 valued quite expensive, but it does show an excellent growth.
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.
Each year in the past 5 years NRDS had a positive operating cash flow.
1.2 Ratios
NRDS has a better Return On Assets (6.21%) than 80.77% of its industry peers.
NRDS's Return On Equity of 7.94% is in line compared to the rest of the industry. NRDS outperforms 46.15% of its industry peers.
NRDS has a Return On Invested Capital of 1.31%. This is comparable to the rest of the industry: NRDS outperforms 48.08% of its industry peers.
| 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
With a Profit Margin value of 4.01%, NRDS is not doing good in the industry: 71.15% of the companies in the same industry are doing better.
In the last couple of years the Profit Margin of NRDS has declined.
NRDS's Operating Margin of 0.87% is on the low side compared to the rest of the industry. NRDS is outperformed by 65.38% of its industry peers.
NRDS's Operating Margin has declined in the last couple of years.
The Gross Margin of NRDS (90.82%) is better than 82.69% of its industry peers.
NRDS's Gross Margin has been stable in the last couple of years.
| 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
With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NRDS is destroying value.
Compared to 1 year ago, NRDS has less shares outstanding
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 6.11. This indicates that NRDS is financially healthy and has little risk of bankruptcy at the moment.
NRDS has a Altman-Z score of 6.11. This is amongst the best in the industry. NRDS outperforms 96.15% of its industry peers.
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 | 6.11 |
ROIC/WACC0.15
WACC9.05%
2.3 Liquidity
A Current Ratio of 2.68 indicates that NRDS has no problem at all paying its short term obligations.
NRDS's Current ratio of 2.68 is fine compared to the rest of the industry. NRDS outperforms 76.92% of its industry peers.
NRDS has a Quick Ratio of 2.68. 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 2.68, NRDS is in the better half of the industry, outperforming 76.92% of the companies in the same industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.68 | ||
| Quick Ratio | 2.68 |
3. Growth
3.1 Past
NRDS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 420.00%, 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 24.20%.
NRDS shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 24.67% yearly.
EPS 1Y (TTM)420%
EPS 3YN/A
EPS 5Y0.81%
EPS Q2Q%-100%
Revenue 1Y (TTM)24.2%
Revenue growth 3Y21.9%
Revenue growth 5Y24.67%
Sales Q2Q%29.22%
3.2 Future
The Earnings Per Share is expected to grow by 27.03% on average over the next years. This is a very strong growth
The Revenue is expected to grow by 7.36% on average over the next years.
EPS Next Y-34.57%
EPS Next 2Y24.76%
EPS Next 3Y27.03%
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.
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
A Price/Earnings ratio of 22.29 indicates a rather expensive valuation of NRDS.
73.08% of the companies in the same industry are cheaper than NRDS, based on the Price/Earnings ratio.
The average S&P500 Price/Earnings ratio is at 26.34. NRDS is around the same levels.
A Price/Forward Earnings ratio of 14.03 indicates a correct valuation of NRDS.
NRDS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. NRDS is more expensive than 65.38% of the companies in the same industry.
NRDS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 22.19.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.29 | ||
| Fwd PE | 14.03 |
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 61.54% 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 | 14.42 | ||
| EV/EBITDA | 12.7 |
4.3 Compensation for Growth
A more expensive valuation may be justified as NRDS's earnings are expected to grow with 27.03% in the coming years.
PEG (NY)N/A
PEG (5Y)27.4
EPS Next 2Y24.76%
EPS Next 3Y27.03%
5. Dividend
5.1 Amount
NRDS does not give a dividend.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
10.7
-0.11 (-1.02%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners77.4%
Inst Owner Change-2.01%
Ins Owners4.83%
Ins Owner Change2.02%
Market Cap797.26M
Analysts81.54
Price Target15.64 (46.17%)
Short Float %5%
Short Ratio4.47
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)-7.07%
EPS NQ rev (1m)137.54%
EPS NQ rev (3m)262.56%
EPS NY rev (1m)0%
EPS NY rev (3m)-15.43%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)10.78%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.81%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 22.29 | ||
| Fwd PE | 14.03 | ||
| P/S | 1.08 | ||
| P/FCF | 14.42 | ||
| P/OCF | 10.52 | ||
| P/B | 2.15 | ||
| P/tB | 3.48 | ||
| EV/EBITDA | 12.7 |
EPS(TTM)0.48
EY4.49%
EPS(NY)0.76
Fwd EY7.13%
FCF(TTM)0.74
FCFY6.94%
OCF(TTM)1.02
OCFY9.51%
SpS9.86
BVpS4.99
TBVpS3.08
PEG (NY)N/A
PEG (5Y)27.4
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 | 6.11 |
F-Score8
WACC9.05%
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)420%
EPS 3YN/A
EPS 5Y0.81%
EPS Q2Q%-100%
EPS Next Y-34.57%
EPS Next 2Y24.76%
EPS Next 3Y27.03%
EPS Next 5YN/A
Revenue 1Y (TTM)24.2%
Revenue growth 3Y21.9%
Revenue growth 5Y24.67%
Sales Q2Q%29.22%
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 Year3872.02%
EBIT Next 3Y280.84%
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%