WallStSmart

Nebius Group N.V. (NBIS)vsNerdwallet Inc (NRDS)

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Smart Verdict

WallStSmart Research — data-driven comparison

Nebius Group N.V. generates 3% more annual revenue ($877.90M vs $849.60M). NBIS leads profitability with a 93.1% profit margin vs 8.1%. NRDS trades at a lower P/E of 9.2x. NRDS earns a higher WallStSmart Score of 63/100 (C+).

NBIS

Buy

55

out of 100

Grade: C-

Growth: 8.0Profit: 5.0Value: 6.0Quality: 6.0
Piotroski: 5/9Altman Z: 1.10

NRDS

Buy

63

out of 100

Grade: C+

Growth: 8.0Profit: 7.0Value: 7.7Quality: 7.8
Piotroski: 6/9Altman Z: 4.79
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NBISUndervalued (+25.4%)

Margin of Safety

+25.4%

Fair Value

$307.28

Current Price

$215.62

$91.66 discount

UndervaluedFair: $307.28Overvalued
NRDSUndervalued (+26.5%)

Margin of Safety

+26.5%

Fair Value

$13.17

Current Price

$9.47

$3.70 discount

UndervaluedFair: $13.17Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NBIS4 strengths · Avg: 9.3/10
Profit MarginProfitability
93.1%10/10

Keeps 93 of every $100 in revenue as profit

Revenue GrowthGrowth
684.0%10/10

Revenue surging 684.0% year-over-year

Market CapQuality
$61.01B9/10

Large-cap with strong market position

PEG RatioValuation
0.638/10

Growing faster than its price suggests

NRDS5 strengths · Avg: 9.4/10
P/E RatioValuation
9.2x10/10

Attractively priced relative to earnings

EPS GrowthGrowth
10935.0%10/10

Earnings expanding 10935.0% YoY

Altman Z-ScoreHealth
4.7910/10

Safe zone — low bankruptcy risk

Return on EquityProfitability
20.5%9/10

Every $100 of equity generates 20 in profit

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Areas to Watch

NBIS4 concerns · Avg: 2.8/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Debt/EquityHealth
1.313/10

Elevated debt levels

P/E RatioValuation
92.4x2/10

Premium valuation, high expectations priced in

Free Cash FlowQuality
$-214.90M2/10

Negative free cash flow — burning cash

NRDS1 concerns · Avg: 3.0/10
Market CapQuality
$560.61M3/10

Smaller company, higher risk/reward

Comparative Analysis Report

WallStSmart Research

Bull Case : NBIS

The strongest argument for NBIS centers on Profit Margin, Revenue Growth, Market Cap. Profitability is solid with margins at 93.1% and operating margin at -32.1%. Revenue growth of 684.0% demonstrates continued momentum.

Bull Case : NRDS

The strongest argument for NRDS centers on P/E Ratio, EPS Growth, Altman Z-Score.

Bear Case : NBIS

The primary concerns for NBIS are EPS Growth, Debt/Equity, P/E Ratio. A P/E of 92.4x leaves little room for execution misses.

Bear Case : NRDS

The primary concerns for NRDS are Market Cap.

Key Dynamics to Monitor

NBIS profiles as a growth stock while NRDS is a value play — different risk/reward profiles.

NBIS carries more volatility with a beta of 1.43 — expect wider price swings.

NBIS is growing revenue faster at 684.0% — sustainability is the question.

NRDS generates stronger free cash flow (32M), providing more financial flexibility.

Bottom Line

NRDS scores higher overall (63/100 vs 55/100). NBIS offers better value entry with a 25.4% margin of safety. Both earn "Buy" and "Buy" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Nebius Group N.V.

COMMUNICATION SERVICES · INTERNET CONTENT & INFORMATION · USA

Nebius Group N.V. (Ticker: NBIS) is an innovative technology firm focused on delivering advanced digital solutions that enhance client engagement and improve operational efficiency across various sectors. Leveraging cutting-edge cloud computing, artificial intelligence, and data analytics, Nebius empowers businesses to navigate the complexities of the digital landscape effectively. With a robust portfolio of intellectual property and a network of strategic partnerships, the company is strategically positioned to capitalize on significant growth opportunities, making it an attractive investment for institutional investors seeking exposure to leading-edge technology-driven markets.

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Nerdwallet Inc

COMMUNICATION SERVICES · INTERNET CONTENT & INFORMATION · USA

NerdWallet, Inc. operates a digital platform that provides consumer-oriented advice on personal finance by connecting individuals and small and medium-sized businesses with providers of financial products. The company is headquartered in San Francisco, California.

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