Head to Head Review: NerdWallet (NASDAQ:NRDS) and Beyond Commerce (OTCMKTS:BYOC)

NerdWallet (NASDAQ:NRDS) and Beyond Commerce (OTCMKTS:BYOC) are both small-cap finance companies, but which is the better stock? We will contrast the two businesses based on the strength of their dividends, institutional ownership, valuation, earnings, analyst recommendations, profitability and risk.

Analyst Recommendations

This is a summary of recent ratings for NerdWallet and Beyond Commerce, as reported by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
NerdWallet	0	1	4	0	2.80
Beyond Commerce	0	0	0	0	0.00

NerdWallet currently has a consensus target price of $17.00, indicating a potential upside of 88.68%. Given NerdWallet’s stronger consensus rating and higher possible upside, research analysts clearly believe NerdWallet is more favorable than Beyond Commerce.

Profitability

This table compares NerdWallet and Beyond Commerce’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
NerdWallet	4.42%	-2.08%	-1.73%
Beyond Commerce	-80.93%	N/A	-66.09%

Risk & Volatility

NerdWallet has a beta of 1.4, meaning that its share price is 40% more volatile than the S&P 500. Comparatively, Beyond Commerce has a beta of 0.06, meaning that its share price is 94% less volatile than the S&P 500.

Valuation and Earnings

This table compares NerdWallet and Beyond Commerce”s revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NerdWallet	$687.60 million	0.97	-$11.80 million	$0.40	22.53
Beyond Commerce	$3.56 million	0.46	-$2.28 million	N/A	N/A

Beyond Commerce has lower revenue, but higher earnings than NerdWallet.

Institutional & Insider Ownership

38.8% of NerdWallet shares are held by institutional investors. 45.9% of NerdWallet shares are held by company insiders. Comparatively, 1.0% of Beyond Commerce shares are held by company insiders. Strong institutional ownership is an indication that endowments, hedge funds and large money managers believe a company will outperform the market over the long term.

Summary

NerdWallet beats Beyond Commerce on 10 of the 12 factors compared between the two stocks.

About NerdWallet

NerdWallet, Inc. operates a digital platform that provides consumer-driven advice about personal finance by connecting individuals and small and mid-sized businesses with financial products providers in the United States, the United Kingdom, Australia, and Canada. Its platform offers guidance to consumers through educational content, tools and calculators, and product marketplaces, as well as through NerdWallet app for various financial products, including credit cards, mortgages, insurance, SMB products, personal loans, banking, investing, and student loans. The company was founded in 2009 and is based in San Francisco, California.

About Beyond Commerce

Beyond Commerce, Inc. engages in the business-to-business Internet marketing technology and services, and information management market businesses. It offers content, business process management, customer feedback management, customer experience management, business network, and BYOC analytics services. The company was formerly known as BOOMj, Inc. and changed its name to Beyond Commerce, Inc. in February 2009. Beyond Commerce, Inc. is based in Las Vegas, Nevada.