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 49629% more annual revenue ($422.50B vs $849.60M). GOOG leads profitability with a 37.9% profit margin vs 8.1%. NRDS trades at a lower P/E of 9.2x. GOOG earns a higher WallStSmart Score of 75/100 (B).

GOOG

Strong Buy

75

out of 100

Grade: B

Growth: 8.7Profit: 9.5Value: 6.7Quality: 8.0
Piotroski: 4/9Altman Z: 3.91

NRDS

Buy

63

out of 100

Grade: C+

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

Multi-model valuation · Graham Formula

GOOGUndervalued (+19.9%)

Margin of Safety

+19.9%

Fair Value

$446.97

Current Price

$356.18

$90.79 discount

UndervaluedFair: $446.97Overvalued
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

GOOG6 strengths · Avg: 10.0/10
Market CapQuality
$4.08T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
33.5%10/10

Every $100 of equity generates 33 in profit

Profit MarginProfitability
37.9%10/10

Keeps 38 of every $100 in revenue as profit

Operating MarginProfitability
36.1%10/10

Strong operational efficiency at 36.1%

EPS GrowthGrowth
82.0%10/10

Earnings expanding 82.0% YoY

Free Cash FlowQuality
$10.12B10/10

Generating 10.1B in free cash flow

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

GOOG2 concerns · Avg: 4.0/10
P/E RatioValuation
25.5x4/10

Moderate valuation

Price/BookValuation
9.0x4/10

Trading at 9.0x book value

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

Smaller company, higher risk/reward

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 37.9% and operating margin at 36.1%. Revenue growth of 21.8% demonstrates continued momentum.

Bull Case : NRDS

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

Bear Case : GOOG

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

Bear Case : NRDS

The primary concerns for NRDS are Market Cap.

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 1.25 — expect wider price swings.

GOOG is growing revenue faster at 21.8% — sustainability is the question.

GOOG generates stronger free cash flow (10.1B), providing more financial flexibility.

Bottom Line

GOOG scores higher overall (75/100 vs 63/100), backed by strong 37.9% margins and 21.8% revenue growth. NRDS offers better value entry with a 26.5% margin of safety. 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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