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LRE vs NRDS
Revenue, margins, valuation, and 5-year total return — side by side.
Financial - Credit Services
LRE vs NRDS — Key Financials
Market cap, revenue, margins, and valuation side-by-side.
| Company Snapshot | ||
|---|---|---|
| Industry | Real Estate - Development | Financial - Credit Services |
| Market Cap | $18M | $345M |
| Revenue (TTM) | $36.91B | $837M |
| Net Income (TTM) | $1.12B | $49M |
| Gross Margin | 16.4% | 92.4% |
| Operating Margin | 5.0% | 7.8% |
| Forward P/E | 4.4x | 11.1x |
| Total Debt | $11.60B | $0.00 |
| Cash & Equiv. | $1.30B | $98M |
LRE vs NRDS — Long-Term Stock Performance
Price return indexed to 100 at period start. Dividends excluded.
| Stock | Sep 23 | May 26 | Return |
|---|---|---|---|
| Lead Real Estate Co… (LRE) | 100 | 26.7 | -73.3% |
| NerdWallet, Inc. (NRDS) | 100 | 122.5 | +22.5% |
Price return only. Dividends and distributions are not included.
Quick Verdict: LRE vs NRDS
Each card shows where this stock fits in a portfolio — not just who wins on paper.
LRE is the clearest fit if your priority is income & stability and sleep-well-at-night.
- Dividend streak 1 yrs, beta 0.84, yield 0.9%
- Lower volatility, beta 0.84, current ratio 1.42x
- Beta 0.84, yield 0.9%, current ratio 1.42x
NRDS carries the broadest edge in this set and is the clearest fit for growth exposure and long-term compounding.
- Rev growth 21.7%, EPS growth 64.1%
- -61.5% 10Y total return vs LRE's -77.9%
- 21.7% NII/revenue growth vs LRE's 8.6%
See the full category breakdown
| Category | Winner | Why |
|---|---|---|
| Growth | 21.7% NII/revenue growth vs LRE's 8.6% | |
| Value | Lower P/E (4.4x vs 11.1x) | |
| Quality / Margins | 5.8% margin vs LRE's 3.0% | |
| Stability / Safety | Beta 0.84 vs NRDS's 1.39 | |
| Dividends | 0.9% yield; 1-year raise streak; the other pay no meaningful dividend | |
| Momentum (1Y) | +28.4% vs LRE's +10.1% | |
| Efficiency (ROA) | 10.6% ROA vs LRE's 6.5%, ROIC 13.1% vs 4.8% |
LRE vs NRDS — Revenue Breakdown by Segment
How each company's revenue is distributed across its business units
LRE vs NRDS — Financial Metrics
Side-by-side numbers across 2 stocks — who leads on profitability, valuation, growth, and risk.
Income & Cash Flow (Last 12 Months)
NRDS leads this category, winning 4 of 5 comparable metrics.
Income & Cash Flow (Last 12 Months)
LRE is the larger business by revenue, generating $36.9B annually — 44.1x NRDS's $837M. Profitability is closely matched — net margins range from 5.8% (NRDS) to 3.0% (LRE).
| Metric | ||
|---|---|---|
| RevenueTrailing 12 months | $36.9B | $837M |
| EBITDAEarnings before interest/tax | $2.0B | $102M |
| Net IncomeAfter-tax profit | $1.1B | $49M |
| Free Cash FlowCash after capex | -$2.8B | $122M |
| Gross MarginGross profit ÷ Revenue | +16.4% | +92.4% |
| Operating MarginEBIT ÷ Revenue | +5.0% | +7.8% |
| Net MarginNet income ÷ Revenue | +3.0% | +5.8% |
| FCF MarginFCF ÷ Revenue | -7.5% | +15.6% |
| Rev. Growth (YoY)Latest quarter vs prior year | +19.9% | — |
| EPS Growth (YoY)Latest quarter vs prior year | +44.9% | -62.7% |
Valuation Metrics
LRE leads this category, winning 3 of 4 comparable metrics.
Valuation Metrics
At 4.4x trailing earnings, LRE trades at a 74% valuation discount to NRDS's 17.0x P/E. On an enterprise value basis, NRDS's 3.8x EV/EBITDA is more attractive than LRE's 13.1x.
| Metric | ||
|---|---|---|
| Market CapShares × price | $18M | $345M |
| Enterprise ValueMkt cap + debt − cash | $83M | $247M |
| Trailing P/EPrice ÷ TTM EPS | 4.39x | 17.02x |
| Forward P/EPrice ÷ next-FY EPS est. | — | 11.14x |
| PEG RatioP/E ÷ EPS growth rate | — | 0.33x |
| EV / EBITDAEnterprise value multiple | 13.09x | 3.79x |
| Price / SalesMarket cap ÷ Revenue | 0.15x | 0.41x |
| Price / BookPrice ÷ Book value/share | 0.65x | 2.21x |
| Price / FCFMarket cap ÷ FCF | — | 2.65x |
Profitability & Efficiency
NRDS leads this category, winning 7 of 8 comparable metrics.
Profitability & Efficiency
LRE delivers a 26.5% return on equity — every $100 of shareholder capital generates $27 in annual profit, vs $13 for NRDS. On the Piotroski fundamental quality scale (0–9), NRDS scores 8/9 vs LRE's 5/9, reflecting strong financial health.
| Metric | ||
|---|---|---|
| ROE (TTM)Return on equity | +26.5% | +13.0% |
| ROA (TTM)Return on assets | +6.5% | +10.6% |
| ROICReturn on invested capital | +4.8% | +13.1% |
| ROCEReturn on capital employed | +10.1% | +17.0% |
| Piotroski ScoreFundamental quality 0–9 | 5 | 8 |
| Debt / EquityFinancial leverage | 2.74x | — |
| Net DebtTotal debt minus cash | $10.3B | -$98M |
| Cash & Equiv.Liquid assets | $1.3B | $98M |
| Total DebtShort + long-term debt | $11.6B | $0 |
| Interest CoverageEBIT ÷ Interest expense | 49.14x | 122.00x |
Total Returns (Dividends Reinvested)
NRDS leads this category, winning 6 of 6 comparable metrics.
Total Returns (Dividends Reinvested)
A $10,000 investment in NRDS five years ago would be worth $3,848 today (with dividends reinvested), compared to $2,211 for LRE. Over the past 12 months, NRDS leads with a +28.4% total return vs LRE's +10.1%. The 3-year compound annual growth rate (CAGR) favors NRDS at 6.5% vs LRE's -39.5% — a key indicator of consistent wealth creation.
| Metric | ||
|---|---|---|
| YTD ReturnYear-to-date | -25.1% | -15.8% |
| 1-Year ReturnPast 12 months | +10.1% | +28.4% |
| 3-Year ReturnCumulative with dividends | -77.9% | +20.7% |
| 5-Year ReturnCumulative with dividends | -77.9% | -61.5% |
| 10-Year ReturnCumulative with dividends | -77.9% | -61.5% |
| CAGR (3Y)Annualised 3-year return | -39.5% | +6.5% |
Risk & Volatility
Evenly matched — LRE and NRDS each lead in 1 of 2 comparable metrics.
Risk & Volatility
LRE is the less volatile stock with a 0.84 beta — it tends to amplify market swings less than NRDS's 1.39 beta. A beta below 1.0 means the stock typically moves less than the S&P 500. NRDS currently trades 67.1% from its 52-week high vs LRE's 44.1% drawdown — a narrower gap to the peak suggests stronger recent price momentum.
| Metric | ||
|---|---|---|
| Beta (5Y)Sensitivity to S&P 500 | 0.84x | 1.39x |
| 52-Week HighHighest price in past year | $2.97 | $16.24 |
| 52-Week LowLowest price in past year | $1.00 | $8.34 |
| % of 52W HighCurrent price vs 52-week peak | +44.1% | +67.1% |
| RSI (14)Momentum oscillator 0–100 | 50.1 | 53.5 |
| Avg Volume (50D)Average daily shares traded | 16K | 839K |
Analyst Outlook
Insufficient data to determine a leader in this category.
Analyst Outlook
LRE is the only dividend payer here at 0.91% yield — a key consideration for income-focused portfolios.
| Metric | ||
|---|---|---|
| Analyst RatingConsensus buy/hold/sell | — | Buy |
| Price TargetConsensus 12-month target | — | $16.00 |
| # AnalystsCovering analysts | — | 6 |
| Dividend YieldAnnual dividend ÷ price | +0.9% | — |
| Dividend StreakConsecutive years of raises | 1 | — |
| Dividend / ShareAnnual DPS | $1.87 | — |
| Buyback YieldShare repurchases ÷ mkt cap | 0.0% | +0.6% |
NRDS leads in 3 of 6 categories (Income & Cash Flow, Profitability & Efficiency). LRE leads in 1 (Valuation Metrics). 1 tied.
LRE vs NRDS: Frequently Asked Questions
9 questions · data-driven answers · updated daily
01Is LRE or NRDS a better buy right now?
For growth investors, NerdWallet, Inc.
(NRDS) is the stronger pick with 21. 7% revenue growth year-over-year, versus 8. 6% for Lead Real Estate Co. , Ltd American Depositary Shares (LRE). Lead Real Estate Co. , Ltd American Depositary Shares (LRE) offers the better valuation at 4. 4x trailing P/E, making it the more compelling value choice. Analysts rate NerdWallet, Inc. (NRDS) a "Buy" — based on 6 analyst ratings — the highest consensus in this comparison. The "better buy" depends entirely on your goals: growth investors should weight revenue trajectory, value investors should weight P/E and PEG, and income investors should weight dividend yield and streak.
02Which has the better valuation — LRE or NRDS?
On trailing P/E, Lead Real Estate Co.
, Ltd American Depositary Shares (LRE) is the cheapest at 4. 4x versus NerdWallet, Inc. at 17. 0x.
03Which is the better long-term investment — LRE or NRDS?
Over the past 5 years, NerdWallet, Inc.
(NRDS) delivered a total return of -61. 5%, compared to -77. 9% for Lead Real Estate Co. , Ltd American Depositary Shares (LRE). Over 10 years, the gap is even starker: NRDS returned -61. 5% versus LRE's -77. 9%. Past returns do not guarantee future results, and the stock with the higher historical return may already have its best growth priced in.
04Which is safer — LRE or NRDS?
By beta (market sensitivity over 5 years), Lead Real Estate Co.
, Ltd American Depositary Shares (LRE) is the lower-risk stock at 0. 84β versus NerdWallet, Inc. 's 1. 39β — meaning NRDS is approximately 65% more volatile than LRE relative to the S&P 500.
05Which is growing faster — LRE or NRDS?
By revenue growth (latest reported year), NerdWallet, Inc.
(NRDS) is pulling ahead at 21. 7% versus 8. 6% for Lead Real Estate Co. , Ltd American Depositary Shares (LRE). On earnings-per-share growth, the picture is similar: NerdWallet, Inc. grew EPS 64. 1% year-over-year, compared to 4. 6% for Lead Real Estate Co. , Ltd American Depositary Shares. Higher growth typically commands a higher valuation multiple — check whether the premium P/E or P/S is justified by the growth rate using the PEG ratio.
06Which has better profit margins — LRE or NRDS?
NerdWallet, Inc.
(NRDS) is the more profitable company, earning 5. 8% net margin versus 3. 3% for Lead Real Estate Co. , Ltd American Depositary Shares — meaning it keeps 5. 8% of every revenue dollar as bottom-line profit. Operating margin tells a similar story: NRDS leads at 7. 8% versus 4. 7% for LRE. At the gross margin level — before operating expenses — NRDS leads at 92. 4%, reflecting greater pricing power or product mix advantage. Stronger margins indicate durable pricing power, lower cost of revenue, or higher mix of software/services. They are one of the clearest signs of business quality.
07Which pays a better dividend — LRE or NRDS?
In this comparison, LRE (0.
9% yield) pays a dividend. NRDS does not pay a meaningful dividend and should not be held primarily for income.
08Is LRE or NRDS better for a retirement portfolio?
For long-horizon retirement investors, Lead Real Estate Co.
, Ltd American Depositary Shares (LRE) is the stronger choice — it scores higher on the combination of lower volatility, dividend reliability, and long-term compounding (low volatility (β 0. 84), 0. 9% yield). Both have compounded well over 10 years (LRE: -77. 9%, NRDS: -61. 5%), confirming both are viable long-term holds — but the lower-volatility option typically results in less emotional selling during corrections. Retirement portfolios generally favour predictability over maximum returns. Consult a financial advisor before making allocation decisions.
09What are the main differences between LRE and NRDS?
These companies operate in different sectors (LRE (Real Estate) and NRDS (Financial Services)), which means they face different economic cycles, regulatory environments, and macro sensitivities — making direct comparison nuanced.
In terms of investment character: LRE is a small-cap deep-value stock; NRDS is a small-cap high-growth stock. LRE pays a dividend while NRDS does not, making them suitable for different income and tax situations. These fundamental differences mean investors should not choose between them on a single metric — the "better stock" depends entirely on which of these characteristics aligns with your investment strategy.
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