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Nerdy Inc. (Class A) (NRDY) — RQD Stock Rating Cockpit

$5.94 +2.95% NYSE • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $5.96

Nerdy Inc. (Class A) (NRDY) carries a Roarable Rating of D- (Sell) with 40/100 RQD Confidence due to weak cash-flow efficiency and sensitivity to current interest rates. Wait for business cash flow and institutional buying to improve before committing fresh capital.

📊 Historical Track Record Warning: Scores below 50 (40/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows →

ROARABLE D- • RED ALERT Cap $75.9M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $5.96 (+0.34%)🧬 Disciplined Float (+0.72% YoY Shares)⚙️ Cash Engine: 6/20 (E) • 0% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record Warning: Scores below 50 (40/100 · D-) historically underperformed SPY in 71% of rolling 90-day windows (-7.4% avg 90D alpha vs SPY • 29.0% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERRED ALERT • D-

2-of-3 JEV AI Jury Bearish Warning

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw D- · Rk D

Each axis scored 0–20

12M PRICE TARGET CONE-8.1% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NRDY)Realized 20D OHLCV Swing Band: ±12.5%

Deterministic 5-Pillar Attribution (40/100 Composite)

🔍 WHY NRDY SCORES 40/100 (D-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: SEC 10-K Forensic Risk+11/20 pts (28% of score)

Altman Z-Score 3.80 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 5/9

▲ #2 Bullish Driver: Whale & Options Positioning+10/20 pts (25% of score)

20D Institutional Volume Accumulation (±12.5% realized swing band)

▼ #1 Drag / Risk Factor: Insider Conviction & Share Dilution5/20 pts (-15 pt drag)

Disciplined Float (+0.72% YoY Shares) & executive Form 4 sales trim 15 pts from alignment

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade D$6.56-5.9% Next Q

Q2 (-2Q)

Grade D$6.17-0.5% Next Q

Q3 (-1Q)

Grade D$6.14-3.3% Next Q

Current

Grade D-$5.94-7.4% Hist 90D α

Trajectory: D (48) → D- (40)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)CONTRARIAN TURNAROUND & SHORT-SQUEEZE DOSSIER

⚔️ Adversarial Opposing Case: What Could Spark a NRDY Turnaround Squeeze

Gideon Ashmere Forensic Desk →

While NRDY currently carries a cautious 40/100 (D-) rating due to Insider Conviction & Share Dilution (5/20), shorts face asymmetric squeeze risk if free cash flow inflects or management executes accretive buybacks.

🚀 Contrarian Squeeze Trigger #1

Established market leader in Real Estate with deep daily trading liquidity.

🚀 Contrarian Squeeze Trigger #2

Options & Short-Covering Gamma: Reclaiming the 50-day SMA ($8.02) and Max Pain ($6.24) forces dealer call-delta covering toward $23.47.

🚀 Contrarian Squeeze Trigger #3

Forensic Repair Trigger: Halting share dilution (Disciplined Float (+0.72% YoY Shares)) or retiring high-cost debt immediately upgrades the SEC 10-K Forensic pillar.

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NRDY• $2.4M Crowd Pool • Kalshi / Polymarket Composite

Contract: “NRDY Beats Next Quarter EPS Consensus (Dec 30, 2026) & Holds Above 200D SMA”

YES 40%NO 60%Trade / Inspect Odds →

RSI-14 MOMENTUMNEUTRAL RANGE

4230 Oversold · 70 Hot

ALTMAN-Z SHIELDFORTRESS SAFE (>3.0)

3.80>3.0 Fortress Safe

PIOTROSKI F-SCORESOLID CORE (5–6)

5 / 99-Pt Accounting

52-WEEK LASER RANGE3% OF RANGE

L: $5$5.94H: $22

1. Money & Cash Health● WEAK

Are profits real cash in the bank?

Weak cash conversion or heavy valuation strain compared to actual cash earned.

Factor Grade: ERQD 6 / 20

2. Big Money & Insiders● TRIMMING

Are whales & executives buying or selling?

Insiders and big institutional desks have been trimming shares rather than stepping up to buy.

Factor Grade: D-RQD 15 / 40

3. Hidden Risks & Market Weather● WARNING

SEC fine-print scan & interest-rate fit

High sensitivity to tight interest rates or new risk warnings added to recent SEC annual filings.

Factor Grade: DRQD 19 / 40

MULTI-MODEL JEV QUANT JURY DELIBERATION

2-of-3 JEV AI Jury Bearish Warning on NRDY

Cash & Moat Bull AI

ROIC & Free Cash Flow Model

BEARISH (30)

-35.0% ROIC with 58.0% gross margin and 2.80% FCF yield.

SEC Forensic Auditor AI

10-K Accruals & Altman-Z Guard

NEUTRAL (55)

Altman-Z 4.20 and Piotroski 5/9 pass balance-sheet audit.

Whale & Macro Hawk AI

Options Skew, 13F & Fed NetLiq

BEARISH (38)

15/40 institutional & smart-money positioning score with 8/20 macro alignment.

Bull Case: Why Buyers Like NRDY

✓Established market leader in Real Estate with deep daily trading liquidity.

Bear Case: What Could Go Wrong

!Company executives have done more routine share selling than personal cash buying lately.
!Sensitive to high interest rates and tighter Federal Reserve market liquidity.
!Recent SEC filings added new risk-factor disclosures that warrant keeping an eye on margins.

ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher & Roarable Forensic Quant Desk

Red-Light Warning Desk: Spotting SEC Cash-Flow & Dilution Risks Before Downgrades (Featuring NRDY)

✓Walkthrough of NRDY's RQD Radar, SEC cash-conversion gap & downside invalidation levels
✓3 asymmetric Bear/Hedge frameworks when 10-year Treasury yields stay elevated
✓Includes nightly RQD rating-change & forensic signal email alerts on your tracked stocks

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

Want Custom AI PineScript / Python Indicators & Priority Rating-Change Alerts?

Join Founding VIP Waitlist (No Card Required) →$100K Arena

NRDY // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: -55.70%🛡️ HOLDING TREND SUPPORT

2026-10-30O $5.83H $6.44L $5.78C $5.94VOL 30.6K

RES: $18.30SUP: $5.26SMA50: $8.02SMA200: $11.97

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NRDY Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NRDY Butterfly Map → + Track NRDY →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

8.0%/yr Implied 5Y Growth

vs. -5.9% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on NRDY today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NRDY. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for NRDY today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NRDY)

Real Estate Rank #41 of 51 ⚔️ CHGG vs NRDY Full Matrix →

1. Head-to-Head Real Estate Peer Comparison (NRDY vs. CHGG, COE, IH, LFS)

Industry: Other Consumer Services (73 Tracked Issuers)

Across 51 tracked Real Estate securities in the Roarable RQD universe, Nerdy Inc. (Class A) (NRDY) ranks #41 by composite RQD confidence (40/100, grade D-) and #29 by equity capitalization ($75.9M). Within this direct 5-issuer industry benchmark cohort, IH leads on earnings valuation at 4.4x trailing P/E, while IH leads on capital efficiency and profitability with 85.0% ROIC and 67.9% gross margin. LFS currently holds the highest overall quantitative score in the immediate peer group at 71/100 (B-) compared with NRDY at 40/100 (D-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NRDY ACTIVE Nerdy Inc. (Class A)	D-	40/100	—	58.0%	-35.0%	+2.95%	$75.9M	Benchmark Subject
CHGG Chegg Inc.	D-	35/100	—	59.6%	-35.0%	-0.72%	$76.8M	/chgg-vs-nrdy →
COE 51Talk Online Education Group each representing 60 (Class A)	D	48/100	—	73.9%	-35.0%	-4.93%	$66.1M	/coe-vs-nrdy →
IH iHuman Inc. each representing five (Class A)	C	64/100	4.4x	67.9%	85.0%	+1.72%	$60.3M	/ih-vs-nrdy →
LFS LEIFRAS Co. Ltd.	B-	71/100	19.6x	29.5%	26.5%	0.00%	$54.9M	/lfs-vs-nrdy →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001819404

In its most recent audited fiscal period (FY2025, filed 2025-12-31), Nerdy Inc. (Class A) (NRDY) reported GAAP revenue of $179.0M (-5.9% vs. FY2024 revenue of $190.2M , and -7.5% cumulative change since FY2023) , GAAP net income of -$39.9M, operating cash flow of -$18.8M, and free cash flow of -$24.2M (-7.8% YoY). On the balance sheet, NRDY closed FY2025 with $76.2M in total assets against $19.3M in total debt (Altman Z-Score: N/A, Piotroski F-Score: 5/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$179.0M	-$39.9M	-$18.8M	-$24.2M	$76.2M	$19.3M
FY2024 (FY)	2024-12-31	$190.2M	-$42.6M	-$15.6M	-$22.5M	$92.5M	$0
FY2023 (FY)	2023-12-31	$193.4M	-$40.2M	-$7.6M	-$7.6M	—	—

3. NRDY Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NRDY stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, Nerdy Inc. (Class A) (NYSE: NRDY) is rated D- (Sell / SELL) by Roarable's 5-pillar RQD engine with a composite confidence score of 40/100 at a spot price of $5.94 (+2.95% 1D, market cap $75.9M). Pillar breakdown: Fundamental Cash Engine 6/20, Institutional 13F & Options Flow 10/20, Executive Insider Alignment 11/20, FRED Macro Regime Fit 8/20, and SEC Balance-Sheet Forensics 5/20. Across 51 tracked Real Estate issuers, NRDY ranks #41 in composite RQD confidence.

How does NRDY compare to CHGG and COE in the Real Estate sector?

Within the Real Estate sector (Other Consumer Services), NRDY carries a Roarable D- (40/100 RQD), trailing P/E of N/A, gross margin of 58.0%, and ROIC of -35.0%. By comparison, CHGG (Chegg Inc.) holds a D- grade (35/100 RQD, P/E N/A, ROIC -35.0%, cap $76.8M) and COE (51Talk Online Education Group each representing 60 (Class A)) posts a D grade (48/100 RQD, P/E N/A, ROIC -35.0%, cap $66.1M). Among the 5-stock peer group, IH leads on earnings multiple (4.4x) while IH leads on capital efficiency (85.0% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NRDY?

Per NRDY's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001819404), Nerdy Inc. (Class A) generated $179.0M in revenue (-5.9% YoY), -$39.9M in net income, and -$24.2M in free cash flow against $76.2M in total assets and $19.3M in total debt. Key quantitative strengths: Established market leader in Real Estate with deep daily trading liquidity.. Primary risk factors monitored: Company executives have done more routine share selling than personal cash buying lately.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NRDY trading relative to its 50-day, 200-day, and 52-week technical levels?

NRDY last traded at $5.94 (+2.95% on volume of 51,462 shares), positioning the stock -25.94% below its 50-day simple moving average ($8.02) and -50.38% below its 200-day simple moving average ($11.97). Across its 52-week range of $5.37 to $22.35, NRDY sits at the 3.4% percentile with a 14-day RSI of 42.0 (NEUTRAL RANGE) and an implied next-earnings move of ±12.5% ($5.20 to $6.68).

NRDY Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

Should I buy, hold, or sell NRDY stock right now?

Nerdy Inc. (Class A) (NRDY) currently earns a Roarable Rating of D- (Sell — SELL) with 40/100 RQD Confidence. Stretched risk/reward at current multiples (-35% return on capital) under elevated 10-year interest-rate pressure.

What is NRDY's 12-month price target and RQD AI Jury consensus?

NRDY's 12-month base price target is $5.46 (range $4.26 to $23.47), backed by transparent SEC XBRL cash-flow, Form 4 insider, and CBOE options flow analysis.

Direct Sub-Reports: NRDY RQD Cockpit NRDY 12M Forecast NRDY Earnings & Move NRDY Dividends & DRIP NRDY Insiders & 13F NRDY Whale Options NRDY Profit Sankey NRDY News & Why