COMP <GO>
NRDS vs MSFT // 10Y YIELD & FRED MACRO BETA
NerdWallet Inc. (Class A) (NASDAQ) VS. Microsoft Corporation (NASDAQ) • 15-METRIC TALLY: NRDS 7
— MSFT 6
■ METRIC PARITY
LAST: $11.35 (+6.37%) • MKT CAP: $725.5M
macro-sensitivity
—
LAST: $530.14 (-0.16%) • MKT CAP: $3.94T
macro-sensitivity
1.14
15-METRIC INSTITUTIONAL SIDE-BY-SIDE SCORECARD (NRDS VS. MSFT)
EMERALD CELL = QUANTITATIVE EDGE
| INSTITUTIONAL METRIC | NRDS | MSFT | SPREAD (A - B) | ADVANTAGE | DEDICATED URL |
|---|---|---|---|---|---|
| Gross Profit Margin | 92.40% | 67.66% | +24.74 | NRDS | /gross-margins <GO> |
| Return on Invested Capital (ROIC) | 18.60% | 26.54% | -7.94 | MSFT | /roic <GO> |
| EV/EBITDA & P/E Valuation | 9.5x | 19.9x | -10.43 | NRDS | /valuation <GO> |
| Free Cash Flow Yield | 17.96% | 1.55% | +16.41 | NRDS | /fcf-yield <GO> |
| Operating Margin | 7.80% | 47.10% | -39.30 | MSFT | /operating-margins <GO> |
| Net Profit Margin | 5.80% | 41.17% | -35.37 | MSFT | /net-margins <GO> |
| Revenue Growth (YoY) | 21.70% | 17.91% | +3.79 | NRDS | /revenue-growth <GO> |
| Dividend Yield & FCF Payout Safety | 0.00% | 0.70% | -0.70 | MSFT | /dividend-safety <GO> |
| Altman Z-Score & Debt/Equity | 7.19 | 9.35 | -2.16 | MSFT | /balance-sheet <GO> |
| Piotroski F-Score Quality | 8/9 | 6/9 | +2.00 | NRDS | /piotroski-score <GO> |
| Options Implied Move & Put/Call Skew | — | 5.74% | — | TIE | /options-implied-move <GO> |
| RSI-14 & 200D SMA Momentum | 67.4 | 64.8 | +2.61 | NRDS | /rsi-technicals <GO> |
| 10Y Yield & FRED Macro Beta ACTIVE | — | 1.14 | — | TIE | /macro-sensitivity <GO> |
| Forward P/E Multiple | 12.5x | 24.2x | -11.69 | NRDS | /forward-pe <GO> |
| Enterprise Scale & Market Cap | $725.5M | $3.94T | -$3.94T | MSFT | /market-cap <GO> |
5-YEAR HISTORICAL XBRL REVENUE & MARGIN TRAJECTORY SEC FORM 10-K FY
| FISCAL YEAR | NRDS REV | MSFT REV | NRDS GROSS % | MSFT GROSS % | NRDS FCF | MSFT FCF |
|---|---|---|---|---|---|---|
| FY 2026 | — | $331.84B | — | 67.9% | — | $66.99B |
| FY 2025 | $836.6M | $281.72B | 92.4% | 68.8% | $130.3M | $71.61B |
| FY 2024 | $687.6M | $245.12B | 90.8% | 69.8% | $71.2M | $74.07B |
| FY 2023 | $599.4M | $211.91B | — | 68.9% | $72.1M | $59.48B |
| FY 2022 | — | $198.27B | — | 68.4% | — | $65.15B |
FRED MACRO REGIME CORRELATION COMPARISON PEARSON r
NRDS // BETA —
MSFT // BETA 1.14