JOYY (NASDAQ:YY – Get Rating) and NerdWallet (NASDAQ:NRDS – Get Rating) are both computer and technology companies, but which is the superior investment? We will compare the two businesses based on the strength of their analyst recommendations, institutional ownership, dividends, earnings, risk, valuation and profitability.
Volatility and Risk
JOYY has a beta of 0.53, indicating that its share price is 47% less volatile than the S&P 500. Comparatively, NerdWallet has a beta of 1.96, indicating that its share price is 96% more volatile than the S&P 500.
Insider & Institutional Ownership
42.3% of JOYY shares are held by institutional investors. Comparatively, 31.2% of NerdWallet shares are held by institutional investors. 43.0% of JOYY shares are held by insiders. Comparatively, 49.6% of NerdWallet shares are held by insiders. Strong institutional ownership is an indication that endowments, large money managers and hedge funds believe a stock will outperform the market over the long term.
Analyst Ratings
This is a breakdown of current recommendations for JOYY and NerdWallet, as reported by MarketBeat.
| Sell Ratings | Hold Ratings | Buy Ratings | Strong Buy Ratings | Rating Score | |
| JOYY | 0 | 2 | 1 | 0 | 2.33 |
| NerdWallet | 0 | 1 | 4 | 0 | 2.80 |
JOYY presently has a consensus target price of $49.33, indicating a potential upside of 26.63%. NerdWallet has a consensus target price of $14.25, indicating a potential upside of 38.35%. Given NerdWallet’s stronger consensus rating and higher probable upside, analysts plainly believe NerdWallet is more favorable than JOYY.
Profitability
This table compares JOYY and NerdWallet’s net margins, return on equity and return on assets.
| Net Margins | Return on Equity | Return on Assets | |
| JOYY | 23.37% | 4.02% | 2.45% |
| NerdWallet | -5.44% | -12.53% | -8.73% |
Valuation and Earnings
This table compares JOYY and NerdWallet’s gross revenue, earnings per share (EPS) and valuation.
| Gross Revenue | Price/Sales Ratio | Net Income | Earnings Per Share | Price/Earnings Ratio | |
| JOYY | $2.62 billion | 1.16 | -$80.29 million | $6.95 | 5.61 |
| NerdWallet | $379.60 million | 2.02 | -$42.50 million | ($0.42) | -24.52 |
NerdWallet has lower revenue, but higher earnings than JOYY. NerdWallet is trading at a lower price-to-earnings ratio than JOYY, indicating that it is currently the more affordable of the two stocks.
About JOYY
JOYY, Inc. engages in managing a communication social platform, which enables users to join real-time online group activities through voice, text, and video. Its services include music and entertainment, online games, online dating, live game broadcasting, online education, and advertising. It operates through following segments: Live Streaming, Online Games, Membership and Others. The Live Streaming segment engages in the sales of in-channel virtual items used on live streaming platforms, including YY Live platform and Huya platform. The Online Games segment engages in the sales of in-game virtual items used for games. The Membership segment engages in the collection of membership subscription fees. The Others segment engages in the online education platform and online advertising and promotion. The company was founded by Xueling Li and Jun Lei in April 2005 and is headquartered in Singapore.
About NerdWallet
NerdWallet, Inc. operates a digital platform that provides consumer-driven advice about personal finance by connecting individuals and small and mid-sized businesses with financial products providers. The company’s platform offers guidance to consumers through educational content, tools and calculators, and product marketplaces, as well as NerdWallet app for various financial products, including credit cards, mortgages, insurance, SMB products, personal loans, banking, investing, and student loans. It serves customers in the United States, the United Kingdom, and Canada. The company was founded in 2009 and is based in San Francisco, California.
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