EXFY vs. NRDS
EXFY (Expensify Inc) and NRDS (NerdWallet, Inc.) are both stocks. EXFY operates in Software - Application (Technology), while NRDS operates in Credit Services (Financial Services). Over the past 3 years, EXFY returned -44.59%/yr vs -7.43%/yr for NRDS. At a 0.35 correlation, their price movements are largely independent.
Performance
EXFY vs. NRDS - Performance Comparison
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Returns By Period
In the year-to-date period, EXFY achieves a -23.18% return, which is significantly higher than NRDS's -40.81% return.
EXFY
- 1D
- -1.69%
- 1M
- 3.57%
- YTD
- -23.18%
- 6M
- -28.40%
- 1Y
- -49.57%
- 3Y*
- -44.59%
- 5Y*
- —
- 10Y*
- —
NRDS
- 1D
- -4.75%
- 1M
- -26.42%
- YTD
- -40.81%
- 6M
- -48.42%
- 1Y
- -25.74%
- 3Y*
- -7.43%
- 5Y*
- —
- 10Y*
- —
EXFY vs. NRDS - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
EXFY Expensify Inc | -23.18% | -54.93% | 35.63% | -72.03% | -79.93% | 7.16% |
NRDS NerdWallet, Inc. | -40.81% | 1.88% | -9.65% | 53.33% | -38.26% | -33.80% |
Correlation
The correlation between EXFY and NRDS is 0.33, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.33 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.30 |
Correlation (All Time) Calculated using the full available price history since Nov 11, 2021 | 0.35 |
Fundamentals
EXFY:
$108.71M
NRDS:
$557.39M
EXFY:
-$0.22
NRDS:
$0.93
EXFY:
0.77
NRDS:
0.70
EXFY:
0.78
NRDS:
1.66
EXFY:
$140.00M
NRDS:
$849.60M
EXFY:
$69.46M
NRDS:
$790.50M
EXFY:
-$13.41M
NRDS:
$128.50M
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Return for Risk
EXFY vs. NRDS — Risk / Return Rank
EXFY
NRDS
EXFY vs. NRDS - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Expensify Inc (EXFY) and NerdWallet, Inc. (NRDS). Risk-adjusted metrics are performance indicators that assess an investment's returns in relation to its risk, enabling a more accurate comparison of different investment options.
| EXFY | NRDS | Difference | |
|---|---|---|---|
Sharpe ratioReturn per unit of total volatility | -0.80 | -0.53 | -0.26 |
Sortino ratioReturn per unit of downside risk | -1.05 | -0.48 | -0.56 |
Omega ratioGain probability vs. loss probability | 0.87 | 0.94 | -0.07 |
Calmar ratioReturn relative to maximum drawdown | -0.70 | -0.49 | -0.20 |
Martin ratioReturn relative to average drawdown | -1.12 | -1.12 | 0.00 |
Data is calculated on a 1-year rolling basis and updated daily. The trend shows the change in the indicator over the past month. | |||
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Sharpe Ratios by Period
| EXFY | NRDS | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -0.80 | -0.53 | -0.26 |
Sharpe Ratio (All Time)Calculated using the full available price history | -0.68 | -0.36 | -0.32 |
Drawdowns
EXFY vs. NRDS - Drawdown Comparison
The maximum EXFY drawdown since its inception was -98.46%, which is greater than NRDS's maximum drawdown of -77.00%. Use the drawdown chart below to compare losses from any high point for EXFY and NRDS.
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Drawdown Indicators
| EXFY | NRDS | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -98.46% | -77.00% | -21.46% |
Max Drawdown (1Y)Largest decline over 1 year | -71.38% | -52.42% | -18.96% |
Max Drawdown (3Y)Largest decline over 3 years | -90.86% | -55.36% | -35.50% |
Current DrawdownCurrent decline from peak | -97.61% | -71.66% | -25.95% |
Average DrawdownAverage peak-to-trough decline | -84.34% | -57.14% | -27.20% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 44.10% | 22.97% | +21.13% |
Volatility
EXFY vs. NRDS - Volatility Comparison
Expensify Inc (EXFY) and NerdWallet, Inc. (NRDS) have volatilities of 19.99% and 20.09%, respectively, indicating that both stocks experience similar levels of price fluctuations. This suggests that the risk associated with both stocks, as measured by volatility, is nearly the same. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| EXFY | NRDS | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 19.99% | 20.09% | -0.10% |
Volatility (6M)Calculated over the trailing 6-month period | 51.76% | 35.85% | +15.91% |
Volatility (1Y)Calculated over the trailing 1-year period | 62.52% | 48.39% | +14.13% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 80.44% | 68.12% | +12.32% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 80.44% | 68.12% | +12.32% |
Dividends
EXFY vs. NRDS - Dividend Comparison
Neither EXFY nor NRDS has paid dividends to shareholders.
Financials
EXFY vs. NRDS - Financials Comparison
This section allows you to compare key financial metrics between Expensify Inc and NerdWallet, Inc.. You can select fields from income statements, balance sheets, and cash flow statements to easily visualize and compare the financial health of both companies.
Total Revenue: Total amount of money received from sales and other business activities
EXFY vs. NRDS - Profitability Comparison
EXFY - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Expensify Inc reported a gross profit of 16.17M and revenue of 33.97M. Therefore, the gross margin over that period was 47.6%.
NRDS - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, NerdWallet, Inc. reported a gross profit of 208.60M and revenue of 222.20M. Therefore, the gross margin over that period was 93.9%.
EXFY - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Expensify Inc reported an operating income of -1.97M and revenue of 33.97M, resulting in an operating margin of -5.8%.
NRDS - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, NerdWallet, Inc. reported an operating income of 27.20M and revenue of 222.20M, resulting in an operating margin of 12.2%.
EXFY - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Expensify Inc reported a net income of -2.34M and revenue of 33.97M, resulting in a net margin of -6.9%.
NRDS - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, NerdWallet, Inc. reported a net income of 20.40M and revenue of 222.20M, resulting in a net margin of 9.2%.
Frequently Asked Questions
EXFY and NRDS have a correlation of 0.33, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
NRDS has higher volatility (20.09%) compared to EXFY (19.99%). In terms of maximum drawdown, EXFY dropped -98.46% vs NRDS's -77.00%.
NRDS currently has the higher Sharpe Ratio (-0.53 vs -0.80), meaning it's delivered slightly more return per unit of risk over the trailing 12 months. However, this ranking shifts over time - use the Risk/Return Score above for a more comprehensive view that combines Sharpe, Sortino, and other measures used by quantitative funds.
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