XYZ vs. NRDS
XYZ (Block, Inc) and NRDS (NerdWallet, Inc.) are both stocks. XYZ operates in Software - Infrastructure (Technology), while NRDS operates in Credit Services (Financial Services). Over the past 3 years, XYZ returned 2.49%/yr vs -7.46%/yr for NRDS. At a 0.43 correlation, their price movements are largely independent.
Performance
XYZ vs. NRDS - Performance Comparison
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Returns By Period
In the year-to-date period, XYZ achieves a 7.42% return, which is significantly higher than NRDS's -41.11% return.
XYZ
- 1D
- 2.60%
- 1M
- -6.59%
- YTD
- 7.42%
- 6M
- 14.55%
- 1Y
- 7.59%
- 3Y*
- 2.49%
- 5Y*
- -19.76%
- 10Y*
- 22.56%
NRDS
- 1D
- 0.13%
- 1M
- -12.64%
- YTD
- -41.11%
- 6M
- -47.26%
- 1Y
- -28.43%
- 3Y*
- -7.46%
- 5Y*
- —
- 10Y*
- —
XYZ vs. NRDS - Yearly Performance Comparison
| 2026 (YTD) | 2025 | 2024 | 2023 | 2022 | 2021 | |
|---|---|---|---|---|---|---|
XYZ Block, Inc | 7.42% | -23.41% | 9.88% | 23.09% | -61.09% | -34.73% |
NRDS NerdWallet, Inc. | -41.11% | 1.88% | -9.65% | 53.33% | -38.26% | -45.05% |
Correlation
The correlation between XYZ and NRDS is 0.39, which is low. Their price movements are largely independent, making them effective diversification partners.
| Correlation | |
|---|---|
Correlation (1Y) Calculated over the trailing 1-year period | 0.39 |
Correlation (3Y) Calculated over the trailing 3-year period | 0.38 |
Correlation (All Time) Calculated using the full available price history since Nov 5, 2021 | 0.43 |
Fundamentals
XYZ:
$41.78B
NRDS:
$554.61M
XYZ:
$1.31
NRDS:
$0.93
XYZ:
53.40
NRDS:
8.60
XYZ:
0.01
NRDS:
0.07
XYZ:
1.76
NRDS:
0.70
XYZ:
1.92
NRDS:
1.65
XYZ:
$24.48B
NRDS:
$849.60M
XYZ:
$11.01B
NRDS:
$790.50M
XYZ:
$2.42B
NRDS:
$128.50M
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Return for Risk
XYZ vs. NRDS — Risk / Return Rank
XYZ
NRDS
XYZ vs. NRDS - Risk-Adjusted Trends Comparison
This table presents a comparison of risk-adjusted performance metrics for Block, Inc (XYZ) 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.
| XYZ | NRDS | Difference | |
|---|---|---|---|
| Sharpe ratioReturn per unit of total volatility | +0.75 | ||
| Sortino ratioReturn per unit of downside risk | +1.15 | ||
| Omega ratioGain probability vs. loss probability | 1.07 | 0.92 | +0.15 |
| Calmar ratioReturn relative to maximum drawdown | 0.19 | -0.54 | +0.74 |
| Martin ratioReturn relative to average drawdown | 0.45 | -1.21 | +1.65 |
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
| XYZ | NRDS | Difference | |
|---|---|---|---|
Sharpe Ratio (1Y)Calculated over the trailing 1-year period | 0.16 | -0.59 | +0.75 |
Sharpe Ratio (5Y)Calculated over the trailing 5-year period | -0.33 | — | — |
Sharpe Ratio (10Y)Calculated over the trailing 10-year period | 0.40 | — | — |
Sharpe Ratio (All Time)Calculated using the full available price history | 0.30 | -0.36 | +0.66 |
Drawdowns
XYZ vs. NRDS - Drawdown Comparison
The maximum XYZ drawdown since its inception was -86.08%, which is greater than NRDS's maximum drawdown of -77.00%. Use the drawdown chart below to compare losses from any high point for XYZ and NRDS.
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Drawdown Indicators
| XYZ | NRDS | Difference | |
|---|---|---|---|
Max DrawdownLargest peak-to-trough decline | -86.08% | -77.00% | -9.08% |
Max Drawdown (1Y)Largest decline over 1 year | -39.48% | -52.42% | +12.94% |
Max Drawdown (3Y)Largest decline over 3 years | -52.96% | -55.36% | +2.40% |
Max Drawdown (5Y)Largest decline over 5 years | -86.08% | — | — |
Max Drawdown (10Y)Largest decline over 10 years | -86.08% | — | — |
Current DrawdownCurrent decline from peak | -75.19% | -71.80% | -3.39% |
Average DrawdownAverage peak-to-trough decline | -41.01% | -57.18% | +16.17% |
Ulcer IndexDepth and duration of drawdowns from previous peaks | 17.04% | 23.60% | -6.56% |
Volatility
XYZ vs. NRDS - Volatility Comparison
The current volatility for Block, Inc (XYZ) is 14.16%, while NerdWallet, Inc. (NRDS) has a volatility of 15.26%. This indicates that XYZ experiences smaller price fluctuations and is considered to be less risky than NRDS based on this measure. The chart below showcases a comparison of their rolling one-month volatility.
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Volatility by Period
| XYZ | NRDS | Difference | |
|---|---|---|---|
Volatility (1M)Calculated over the trailing 1-month period | 14.16% | 15.26% | -1.10% |
Volatility (6M)Calculated over the trailing 6-month period | 35.29% | 35.68% | -0.39% |
Volatility (1Y)Calculated over the trailing 1-year period | 46.81% | 48.39% | -1.58% |
Volatility (5Y)Calculated over the trailing 5-year period, annualized | 60.00% | 68.04% | -8.04% |
Volatility (10Y)Calculated over the trailing 10-year period, annualized | 56.71% | 68.04% | -11.33% |
Dividends
XYZ vs. NRDS - Dividend Comparison
Neither XYZ nor NRDS has paid dividends to shareholders.
Financials
XYZ vs. NRDS - Financials Comparison
This section allows you to compare key financial metrics between Block, 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
XYZ vs. NRDS - Profitability Comparison
XYZ - Gross Margin
Gross margin is calculated as gross profit divided by revenue. For the three months ending on Jun 2026, Block, Inc reported a gross profit of 2.91B and revenue of 6.06B. Therefore, the gross margin over that period was 48.0%.
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%.
XYZ - Operating Margin
Operating margin is calculated as operating income divided by revenue. For the three months ending on Jun 2026, Block, Inc reported an operating income of -171.99M and revenue of 6.06B, resulting in an operating margin of -2.8%.
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%.
XYZ - Net Margin
Net margin is calculated as net income divided by revenue. For the three months ending on Jun 2026, Block, Inc reported a net income of -308.68M and revenue of 6.06B, resulting in a net margin of -5.1%.
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
XYZ and NRDS have a correlation of 0.39, meaning they provide meaningful diversification benefit when combined. Depending on your allocation goals, holding both could reduce overall portfolio risk.
NRDS has higher volatility (15.26%) compared to XYZ (14.16%). In terms of maximum drawdown, XYZ dropped -86.08% vs NRDS's -77.00%.
XYZ currently has the higher Sharpe Ratio (0.16 vs -0.59), 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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