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 51745% more annual revenue ($445.87B vs $860.00M). GOOG leads profitability with a 54.8% profit margin vs 7.6%. NRDS trades at a lower P/E of 10.4x. GOOG earns a higher WallStSmart Score of 75/100 (B).

GOOG

Strong Buy

75

out of 100

Grade: B

Growth: 8.7Profit: 9.5Value: 7.3Quality: 8.5
Piotroski: 4/9Altman Z: 3.92

NRDS

Hold

50

out of 100

Grade: D+

Growth: 5.3Profit: 6.0Value: 8.3Quality: 9.0
Piotroski: 6/9Altman Z: 4.79
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

GOOGUndervalued (+29.4%)

Margin of Safety

+29.4%

Fair Value

$474.89

Current Price

$335.45

$139.44 discount

UndervaluedFair: $474.89Overvalued
NRDSUndervalued (+50.1%)

Margin of Safety

+50.1%

Fair Value

$19.40

Current Price

$9.43

$9.97 discount

UndervaluedFair: $19.40Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

GOOG6 strengths · Avg: 10.0/10
Market CapQuality
$4.10T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
38.1%10/10

Every $100 of equity generates 38 in profit

Profit MarginProfitability
54.8%10/10

Keeps 55 of every $100 in revenue as profit

Operating MarginProfitability
34.0%10/10

Strong operational efficiency at 34.0%

EPS GrowthGrowth
294.0%10/10

Earnings expanding 294.0% YoY

Altman Z-ScoreHealth
3.9210/10

Safe zone — low bankruptcy risk

NRDS4 strengths · Avg: 9.5/10
P/E RatioValuation
10.4x10/10

Attractively priced relative to earnings

Debt/EquityHealth
0.0210/10

Conservative balance sheet, low leverage

Altman Z-ScoreHealth
4.7910/10

Safe zone — low bankruptcy risk

Price/BookValuation
1.8x8/10

Reasonable price relative to book value

Areas to Watch

GOOG1 concerns · Avg: 2.0/10
Free Cash FlowQuality
$-5.86B2/10

Negative free cash flow — burning cash

NRDS4 concerns · Avg: 2.8/10
Market CapQuality
$598.96M3/10

Smaller company, higher risk/reward

Profit MarginProfitability
7.6%3/10

7.6% margin — thin

Operating MarginProfitability
3.5%3/10

Operating margin of 3.5%

EPS GrowthGrowth
-39.7%2/10

Earnings declined 39.7%

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 54.8% and operating margin at 34.0%. Revenue growth of 24.2% demonstrates continued momentum.

Bull Case : NRDS

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

Bear Case : GOOG

The primary concerns for GOOG are Free Cash Flow.

Bear Case : NRDS

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

Key Dynamics to Monitor

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

NRDS carries more volatility with a beta of 1.24 — expect wider price swings.

GOOG is growing revenue faster at 24.2% — sustainability is the question.

NRDS generates stronger free cash flow (38M), providing more financial flexibility.

Bottom Line

GOOG scores higher overall (75/100 vs 50/100), backed by strong 54.8% margins and 24.2% revenue growth. NRDS offers better value entry with a 50.1% margin of safety. Both earn "Strong 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.

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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