WallStSmart

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

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Nerdwallet Inc generates 58% more annual revenue ($836.60M vs $529.80M). NBIS leads profitability with a 19.2% profit margin vs 5.8%. NRDS trades at a lower P/E of 15.6x. NRDS earns a higher WallStSmart Score of 53/100 (C-).

NBIS

Hold

47

out of 100

Grade: D+

Growth: 6.7Profit: 4.0Value: 4.7Quality: 7.0
Piotroski: 5/9Altman Z: 0.92

NRDS

Buy

53

out of 100

Grade: C-

Growth: 6.0Profit: 6.0Value: 5.7Quality: 5.0
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NBISSignificantly Overvalued (-11714.7%)

Margin of Safety

-11714.7%

Fair Value

$0.75

Current Price

$115.09

$114.34 premium

UndervaluedFair: $0.75Overvalued
NRDSSignificantly Overvalued (-122.5%)

Margin of Safety

-122.5%

Fair Value

$4.35

Current Price

$10.23

$5.88 premium

UndervaluedFair: $4.35Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NBIS1 strengths · Avg: 8.0/10
PEG RatioValuation
0.638/10

Growing faster than its price suggests

NRDS3 strengths · Avg: 8.0/10
P/E RatioValuation
15.6x8/10

Attractively priced relative to earnings

Price/BookValuation
1.9x8/10

Reasonable price relative to book value

Revenue GrowthGrowth
22.6%8/10

Revenue surging 22.6% year-over-year

Areas to Watch

NBIS4 concerns · Avg: 3.0/10
EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Return on EquityProfitability
0.7%3/10

ROE of 0.7% — below average capital efficiency

Debt/EquityHealth
1.063/10

Elevated debt levels

P/E RatioValuation
1044.6x2/10

Premium valuation, high expectations priced in

NRDS3 concerns · Avg: 2.7/10
Market CapQuality
$724.95M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
5.8%3/10

5.8% margin — thin

EPS GrowthGrowth
-62.5%2/10

Earnings declined 62.5%

Comparative Analysis Report

WallStSmart Research

Bull Case : NBIS

The strongest argument for NBIS centers on PEG Ratio. Profitability is solid with margins at 19.2% and operating margin at -103.0%. PEG of 0.63 suggests the stock is reasonably priced for its growth.

Bull Case : NRDS

The strongest argument for NRDS centers on P/E Ratio, Price/Book, Revenue Growth. Revenue growth of 22.6% demonstrates continued momentum.

Bear Case : NBIS

The primary concerns for NBIS are EPS Growth, Return on Equity, Debt/Equity. A P/E of 1044.6x leaves little room for execution misses.

Bear Case : NRDS

The primary concerns for NRDS are Market Cap, Profit Margin, EPS Growth.

Key Dynamics to Monitor

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

NRDS carries more volatility with a beta of 1.45 — expect wider price swings.

NRDS is growing revenue faster at 22.6% — sustainability is the question.

NRDS generates stronger free cash flow (34M), providing more financial flexibility.

Bottom Line

NRDS scores higher overall (53/100 vs 47/100) and 22.6% revenue growth. Both earn "Buy" and "Hold" 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 operational efficiency across various industries. Leveraging cutting-edge technologies such as cloud computing, artificial intelligence, and data analytics, Nebius empowers businesses to effectively navigate the complexities of the digital landscape. With a robust portfolio of intellectual property and strategic partnerships, the company is well-positioned to capitalize on growth opportunities in the rapidly evolving tech sector, making it an attractive investment for institutional investors aiming to access high-growth potential in 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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