WallStSmart

Nerdy Inc (NRDY)vsOracle Corporation (ORCL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Oracle Corporation generates 35472% more annual revenue ($64.08B vs $180.13M). ORCL leads profitability with a 25.3% profit margin vs -18.6%. ORCL earns a higher WallStSmart Score of 69/100 (B-).

NRDY

Avoid

24

out of 100

Grade: F

Growth: 4.0Profit: 2.0Value: 6.7Quality: 4.5
Piotroski: 2/9Altman Z: -10.39

ORCL

Strong Buy

69

out of 100

Grade: B-

Growth: 8.0Profit: 9.0Value: 4.3Quality: 3.0
Piotroski: 2/9Altman Z: 0.59
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

NRDYUndervalued (+65.2%)

Margin of Safety

+65.2%

Fair Value

$2.87

Current Price

$0.82

$2.05 discount

UndervaluedFair: $2.87Overvalued

Intrinsic value data unavailable for ORCL.

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

NRDY0 strengths · Avg: 0/10

No standout strengths identified

ORCL6 strengths · Avg: 9.2/10
Market CapQuality
$703.42B10/10

Mega-cap, among the largest globally

Return on EquityProfitability
42.1%10/10

Every $100 of equity generates 42 in profit

Operating MarginProfitability
32.7%10/10

Strong operational efficiency at 32.7%

Profit MarginProfitability
25.3%9/10

Keeps 25 of every $100 in revenue as profit

Revenue GrowthGrowth
21.7%8/10

Revenue surging 21.7% year-over-year

EPS GrowthGrowth
24.5%8/10

Earnings expanding 24.5% YoY

Areas to Watch

NRDY4 concerns · Avg: 3.5/10
Revenue GrowthGrowth
2.4%4/10

2.4% revenue growth

EPS GrowthGrowth
0.0%4/10

0.0% earnings growth

Market CapQuality
$157.09M3/10

Smaller company, higher risk/reward

Debt/EquityHealth
1.013/10

Elevated debt levels

ORCL4 concerns · Avg: 3.3/10
PEG RatioValuation
1.574/10

Expensive relative to growth rate

Price/BookValuation
18.3x4/10

Trading at 18.3x book value

Piotroski F-ScoreQuality
2/93/10

Weak financial health signals

P/E RatioValuation
44.0x2/10

Premium valuation, high expectations priced in

Comparative Analysis Report

WallStSmart Research

Bull Case : NRDY

NRDY has a balanced fundamental profile.

Bull Case : ORCL

The strongest argument for ORCL centers on Market Cap, Return on Equity, Operating Margin. Profitability is solid with margins at 25.3% and operating margin at 32.7%. Revenue growth of 21.7% demonstrates continued momentum.

Bear Case : NRDY

The primary concerns for NRDY are Revenue Growth, EPS Growth, Market Cap.

Bear Case : ORCL

The primary concerns for ORCL are PEG Ratio, Price/Book, Piotroski F-Score. A P/E of 44.0x leaves little room for execution misses. Debt-to-equity of 4.21 is elevated, increasing financial risk.

Key Dynamics to Monitor

NRDY profiles as a turnaround stock while ORCL is a growth play — different risk/reward profiles.

NRDY carries more volatility with a beta of 1.76 — expect wider price swings.

ORCL is growing revenue faster at 21.7% — sustainability is the question.

NRDY generates stronger free cash flow (-3M), providing more financial flexibility.

Bottom Line

ORCL scores higher overall (69/100 vs 24/100), backed by strong 25.3% margins and 21.7% revenue growth. NRDY offers better value entry with a 65.2% margin of safety. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

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

Nerdy Inc

TECHNOLOGY · SOFTWARE - APPLICATION · USA

Nerdy Inc. is a leading online learning platform, recognized for its flagship brand, Varsity Tutors, which offers personalized educational experiences through cutting-edge technology. The company provides a comprehensive suite of services, including individualized tutoring and small group classes, catering to a wide array of subjects and educational levels. With a robust focus on data analytics to optimize learning outcomes, Nerdy is strategically positioned to leverage the growing online education market. Driven by a commitment to enhancing accessibility and empowering learners, Nerdy Inc. is set to play a pivotal role in the evolution of education.

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Oracle Corporation

TECHNOLOGY · SOFTWARE - INFRASTRUCTURE · USA

Oracle is an American multinational computer technology corporation headquartered in Austin, Texas. The company was formerly headquartered in Redwood Shores, California until December 2020 when it moved its headquarters to Texas. The company sells database software and technology, cloud engineered systems, and enterprise software products, particularly its own brands of database management systems.

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