VIV vs. NRDS
VIV (Telefônica Brasil S.A.) and NRDS (NerdWallet, Inc.) are both stocks. VIV operates in Telecom Services (Communication Services), while NRDS operates in Credit Services (Financial Services). Over the past 3 years, VIV returned 20.03%/yr vs -5.37%/yr for NRDS. Their 0.10 correlation means their historical movements had little consistent relationship.
Performance
VIV vs. NRDS - Performance Comparison
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Returns By Period
In the year-to-date period, VIV achieves a 13.85% return, which is significantly higher than NRDS's -33.58% return.
VIV
- 1D
- 0.31%
- 1M
- -0.11%
- 6M
- -4.77%
- YTD
- 13.85%
- 1Y
- 22.34%
- 3Y*
- 20.03%
- 5Y*
- 17.08%
- 10Y*
- 5.91%
- ALL TIME*
- 5.09%
NRDS
- 1D
- 0.00%
- 1M
- -3.74%
- 6M
- -25.37%
- YTD
- -33.58%
- 1Y
- -15.01%
- 3Y*
- -5.37%
- 5Y*
- —
- 10Y*
- —
- ALL TIME*
- -18.34%
Liquidity Comparison
| Position | Avg. Volume Value (2W) | Avg. Volume Value (1M) | Avg. Volume Value (3M) |
|---|---|---|---|
NRDS NerdWallet, Inc. | $4.81M | $5.18M | $7.85M |
| $21.11M | $17.67M | $16.38M |
VIV vs. NRDS - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
VIV Telefônica Brasil S.A. | 13.85% | 67.26% | -27.07% | 64.86% | -13.84% | 0.62% |
NRDS NerdWallet, Inc. | -33.58% | 1.88% | -9.65% | 53.33% | -38.26% | -33.83% |
Correlation
The correlation between VIV and NRDS is 0.02, meaning there was essentially no consistent relationship between their historical price movements. Each responded to its own set of market drivers.
| Correlation | |
|---|---|
Correlation (1Y) Focuses on recent behavior, but can change the most. | 0.02 |
Correlation (3Y) Balances recent behavior with more history. | 0.12 |
Correlation (All Time) Calculated using the full available price history since Nov 4, 2021 | 0.10 |
The correlation between VIV and NRDS shifts across timeframes, from 0.02 (1 year) to 0.12 (3 years), reflecting how their relationship changes across market environments.
Fundamentals
VIV:
$20.64B
NRDS:
$655.22M
VIV:
R$4.13
NRDS:
$0.94
VIV:
15.84
NRDS:
9.60
VIV:
4.75
NRDS:
0.08
VIV:
1.70
NRDS:
0.78
VIV:
1.60
NRDS:
1.86
VIV:
R$61.72B
NRDS:
$849.60M
VIV:
R$32.12B
NRDS:
$790.50M
VIV:
R$25.34B
NRDS:
$128.50M
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Return for Risk
VIV vs. NRDS — Risk / Return Rank
VIV
NRDS
VIV vs. NRDS - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Telefônica Brasil S.A. (VIV) 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.
Values are calculated on a 1-year rolling basis and updated daily. Risk-adjusted metrics are more stable over longer periods — use the period switch above to explore them.
| VIV | NRDS | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +1.05 | ||
| Sortino ratioReturn per unit of downside risk | +1.26 | ||
| Omega ratioGain probability vs. loss probability | 1.14 | 0.99 | +0.16 |
| Calmar ratioReturn relative to maximum drawdown | 0.93 | -0.29 | +1.22 |
| Martin ratioReturn relative to average drawdown | 2.21 | -0.52 | +2.73 |
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Drawdowns
VIV vs. NRDS - Drawdown Comparison
The maximum VIV drawdown since its inception was -77.73%, roughly equal to the maximum NRDS drawdown of -77.00%. Use the drawdown chart below to compare losses from any high point for VIV and NRDS.
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Drawdown Indicators
| VIV | NRDS | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -77.73% | -77.00% | -0.73% |
Max Drawdown (1Y)Largest decline over 1 year | -24.02% | -52.42% | +28.40% |
Max Drawdown (3Y)Largest decline over 3 years | -30.17% | -55.36% | +25.19% |
Max Drawdown (5Y)Largest decline over 5 years | -40.76% | — | — |
Max Drawdown (10Y)Largest decline over 10 years | -47.57% | — | — |
Current DrawdownCurrent decline from peak | -21.53% | -68.20% | +46.67% |
Average DrawdownAverage peak-to-trough decline | -31.95% | -57.47% | +25.52% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 10.15% | 28.76% | -18.61% |
Volatility
VIV vs. NRDS - Volatility Comparison
Telefônica Brasil S.A. (VIV) and NerdWallet, Inc. (NRDS) have volatilities of 10.80% and 10.73%, 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
| VIV | NRDS | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 10.80% | 10.73% | +0.07% |
Volatility (6M)Calculated over the trailing 6-month period | 23.11% | 35.50% | -12.39% |
Volatility (1Y)Calculated over the trailing 1-year period | 30.02% | 49.26% | -19.24% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 28.69% | 67.92% | -39.23% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 31.16% | 67.92% | -36.76% |
Dividends
VIV vs. NRDS - Dividend Comparison
VIV's dividend yield for the trailing twelve months is around 6.43%, while NRDS has not paid dividends to shareholders.
| Position | TTM | 2025 | 2024 | 2023 | 2022 | 2021 | 2020 | 2019 | 2018 | 2017 | 2016 | 2015 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|
NRDS NerdWallet, Inc. | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% | 0.00% |
VIV Telefônica Brasil S.A. | 6.43% | 5.25% | 6.60% | 5.55% | 5.86% | 6.44% | 10.22% | 5.25% | 9.20% | 10.87% | 4.09% | 10.07% |
Financials
VIV vs. NRDS - Financials Comparison
This section allows you to compare key financial metrics between Telefônica Brasil S.A. 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
VIV vs. NRDS - Profitability Comparison
VIV - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 2026, Telefônica Brasil S.A. reported a gross profit of 12.81B and revenue of 15.76B. Therefore, the gross margin over that period was 81.3%.
NRDS - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Aug 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%.
VIV - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, Telefônica Brasil S.A. reported an operating income of 2.60B and revenue of 15.76B, resulting in an operating margin of 16.5%.
NRDS - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Aug 2026, NerdWallet, Inc. reported an operating income of 27.20M and revenue of 222.20M, resulting in an operating margin of 12.2%.
VIV - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 2026, Telefônica Brasil S.A. reported a net income of 1.57B and revenue of 15.76B, resulting in a net margin of 10.0%.
NRDS - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Aug 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
VIV and NRDS have a correlation of 0.02, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
VIV has higher volatility (10.80%) compared to NRDS (10.73%). In terms of maximum drawdown, VIV dropped -77.73% vs NRDS's -77.00%.
VIV currently has the higher Sharpe Ratio (0.75 vs -0.31), 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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