NRDS vs. QTWO
NRDS (NerdWallet, Inc.) and QTWO (Q2 Holdings, Inc.) are both stocks. NRDS operates in Credit Services (Financial Services), while QTWO operates in Software - Application (Technology). Over the past 3 years, NRDS returned -7.46%/yr vs 17.10%/yr for QTWO. At a 0.45 correlation, their price movements are largely independent.
Performance
NRDS vs. QTWO - Performance Comparison
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Returns By Period
In the year-to-date period, NRDS achieves a -41.11% return, which is significantly lower than QTWO's -37.89% return.
NRDS
- 1D
- 0.13%
- 1M
- -12.64%
- YTD
- -41.11%
- 6M
- -47.26%
- 1Y
- -28.43%
- 3Y*
- -7.46%
- 5Y*
- —
- 10Y*
- —
QTWO
- 1D
- -1.95%
- 1M
- -10.59%
- YTD
- -37.89%
- 6M
- -39.02%
- 1Y
- -50.89%
- 3Y*
- 17.10%
- 5Y*
- -13.94%
- 10Y*
- 5.15%
NRDS vs. QTWO - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
NRDS NerdWallet, Inc. | -41.11% | 1.88% | -9.65% | 53.33% | -38.26% | -45.05% |
QTWO Q2 Holdings, Inc. | -37.89% | -28.31% | 131.86% | 61.56% | -66.18% | -8.80% |
Correlation
The correlation between NRDS and QTWO is 0.47, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.47 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.46 |
Correlation (All Time) Calculated using the full available price history since Nov 5, 2021 | 0.45 |
Fundamentals
NRDS:
$554.61M
QTWO:
$3.03B
NRDS:
$0.93
QTWO:
$1.07
NRDS:
8.60
QTWO:
41.78
NRDS:
0.70
QTWO:
3.76
NRDS:
1.65
QTWO:
4.96
NRDS:
$849.60M
QTWO:
$821.58M
NRDS:
$790.50M
QTWO:
$456.61M
NRDS:
$128.50M
QTWO:
$105.55M
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Return for Risk
NRDS vs. QTWO — Risk / Return Rank
NRDS
QTWO
NRDS vs. QTWO - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for NerdWallet, Inc. (NRDS) and Q2 Holdings, Inc. (QTWO). 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.
| NRDS | QTWO | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.57 | ||
| Sortino ratioReturn per unit of downside risk | +1.30 | ||
| Omega ratioGain probability vs. loss probability | 0.92 | 0.78 | +0.14 |
| Calmar ratioReturn relative to maximum drawdown | -0.54 | -0.96 | +0.42 |
| Martin ratioReturn relative to average drawdown | -1.21 | -1.51 | +0.30 |
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
| NRDS | QTWO | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | -0.59 | -1.16 | +0.57 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | — | -0.28 | — |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | — | 0.12 | — |
Sharpe Ratio (All Time)Calculated using the full available price history | -0.36 | 0.21 | -0.56 |
Drawdowns
NRDS vs. QTWO - Drawdown Comparison
The maximum NRDS drawdown since its inception was -77.00%, smaller than the maximum QTWO drawdown of -85.77%. Use the drawdown chart below to compare losses from any high point for NRDS and QTWO.
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Drawdown Indicators
| NRDS | QTWO | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -77.00% | -85.77% | +8.77% |
Max Drawdown (1Y)Largest decline over 1 year | -52.42% | -53.08% | +0.66% |
Max Drawdown (3Y)Largest decline over 3 years | -55.36% | -59.68% | +4.32% |
Max Drawdown (5Y)Largest decline over 5 years | — | -80.69% | — |
Max Drawdown (10Y)Largest decline over 10 years | — | -85.77% | — |
Current DrawdownCurrent decline from peak | -71.80% | -69.45% | -2.35% |
Average DrawdownAverage peak-to-trough decline | -57.18% | -30.20% | -26.98% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 23.60% | 33.84% | -10.24% |
Volatility
NRDS vs. QTWO - Volatility Comparison
The current volatility for NerdWallet, Inc. (NRDS) is 15.26%, while Q2 Holdings, Inc. (QTWO) has a volatility of 18.44%. This indicates that NRDS experiences smaller price fluctuations and is considered to be less risky than QTWO based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| NRDS | QTWO | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 15.26% | 18.44% | -3.18% |
Volatility (6M)Calculated over the trailing 6-month period | 35.68% | 32.97% | +2.71% |
Volatility (1Y)Calculated over the trailing 1-year period | 48.39% | 44.22% | +4.17% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 68.04% | 50.12% | +17.92% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 68.04% | 44.29% | +23.75% |
Dividends
NRDS vs. QTWO - Dividend Comparison
Neither NRDS nor QTWO has paid dividends to shareholders.
Financials
NRDS vs. QTWO - Financials Comparison
This section allows you to compare key financial metrics between NerdWallet, Inc. and Q2 Holdings, 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
NRDS vs. QTWO - Profitability Comparison
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%.
QTWO - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Q2 Holdings, Inc. reported a gross profit of 127.91M and revenue of 216.51M. Therefore, the gross margin over that period was 59.1%.
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%.
QTWO - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Q2 Holdings, Inc. reported an operating income of 27.69M and revenue of 216.51M, resulting in an operating margin of 12.8%.
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%.
QTWO - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Q2 Holdings, Inc. reported a net income of 26.64M and revenue of 216.51M, resulting in a net margin of 12.3%.
Frequently Asked Questions
NRDS and QTWO have a correlation of 0.47, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
QTWO has higher volatility (18.44%) compared to NRDS (15.26%). In terms of maximum drawdown, NRDS dropped -77.00% vs QTWO's -85.77%.
NRDS currently has the higher Sharpe Ratio (-0.59 vs -1.16), 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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