WallStSmart

Alphabet Inc Class C (GOOG)vsNerdwallet Inc (NRDS)

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Smart Verdict

WallStSmart Research — data-driven comparison

Alphabet Inc Class C generates 48052% more annual revenue ($402.84B vs $836.60M). GOOG leads profitability with a 32.8% profit margin vs 5.8%. NRDS trades at a lower P/E of 15.6x. GOOG earns a higher WallStSmart Score of 69/100 (B-).

GOOG

Strong Buy

69

out of 100

Grade: B-

Growth: 8.7Profit: 10.0Value: 10.0Quality: 8.5
Piotroski: 4/9Altman Z: 3.91

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

GOOGUndervalued (+42.9%)

Margin of Safety

+42.9%

Fair Value

$506.38

Current Price

$289.59

$216.79 discount

UndervaluedFair: $506.38Overvalued
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

GOOG6 strengths · Avg: 10.0/10
Market CapQuality
$3.61T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
35.7%10/10

Every $100 of equity generates 36 in profit

Profit MarginProfitability
32.8%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
31.6%10/10

Strong operational efficiency at 31.6%

Free Cash FlowQuality
$24.55B10/10

Generating 24.6B in free cash flow

Altman Z-ScoreHealth
3.9110/10

Safe zone — low bankruptcy risk

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

GOOG3 concerns · Avg: 4.0/10
PEG RatioValuation
2.244/10

Expensive relative to growth rate

P/E RatioValuation
27.6x4/10

Moderate valuation

Price/BookValuation
8.4x4/10

Trading at 8.4x book value

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 : GOOG

The strongest argument for GOOG centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 32.8% and operating margin at 31.6%. Revenue growth of 18.0% demonstrates continued momentum.

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 : GOOG

The primary concerns for GOOG are PEG Ratio, P/E Ratio, Price/Book.

Bear Case : NRDS

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

Key Dynamics to Monitor

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.

GOOG generates stronger free cash flow (24.6B), providing more financial flexibility.

Monitor INTERNET CONTENT & INFORMATION industry trends, competitive dynamics, and regulatory changes.

Bottom Line

GOOG scores higher overall (69/100 vs 53/100), backed by strong 32.8% margins and 18.0% revenue growth. Both earn "Strong 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.

Alphabet Inc Class C

COMMUNICATION SERVICES · INTERNET CONTENT & INFORMATION · USA

Alphabet Inc. is an American multinational conglomerate headquartered in Mountain View, California. It was created through a restructuring of Google on October 2, 2015, and became the parent company of Google and several former Google subsidiaries. The two co-founders of Google remained as controlling shareholders, board members, and employees at Alphabet. Alphabet is the world's fourth-largest technology company by revenue and one of the world's most valuable companies.

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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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