Beyond Commerce (OTCMKTS:BYOC) & NerdWallet (NASDAQ:NRDS) Head to Head Contrast

NerdWallet (NASDAQ:NRDS) and Beyond Commerce (OTCMKTS:BYOC) are both small-cap finance companies, but which is the superior investment? We will contrast the two businesses based on the strength of their analyst recommendations, dividends, profitability, earnings, institutional ownership, valuation and risk.

Volatility and Risk

NerdWallet has a beta of 1.39, indicating that its share price is 39% more volatile than the S&P 500. Comparatively, Beyond Commerce has a beta of 0.06, indicating that its share price is 94% less volatile than the S&P 500.

Profitability

This table compares NerdWallet and Beyond Commerce’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
NerdWallet	4.42%	-2.08%	-1.73%
Beyond Commerce	-80.93%	N/A	-66.09%

Analyst Ratings

This is a summary of recent ratings and price targets for NerdWallet and Beyond Commerce, as provided by MarketBeat.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
NerdWallet	0	1	4	0	2.80
Beyond Commerce	0	0	0	0	0.00

NerdWallet currently has a consensus target price of $17.00, suggesting a potential upside of 80.85%. Given NerdWallet’s stronger consensus rating and higher possible upside, equities research analysts plainly believe NerdWallet is more favorable than Beyond Commerce.

Institutional and Insider Ownership

38.8% of NerdWallet shares are owned by institutional investors. 45.9% of NerdWallet shares are owned by insiders. Comparatively, 1.0% of Beyond Commerce shares are owned by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a company is poised for long-term growth.

Valuation and Earnings

This table compares NerdWallet and Beyond Commerce”s gross revenue, earnings per share (EPS) and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
NerdWallet	$687.60 million	1.01	-$11.80 million	$0.40	23.50
Beyond Commerce	$3.56 million	0.93	-$2.28 million	N/A	N/A

Beyond Commerce has lower revenue, but higher earnings than NerdWallet.

Summary

NerdWallet beats Beyond Commerce on 10 of the 12 factors compared between the two stocks.

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 in the United States, the United Kingdom, Australia, and Canada. Its platform offers guidance to consumers through educational content, tools and calculators, and product marketplaces, as well as through NerdWallet app for various financial products, including credit cards, mortgages, insurance, SMB products, personal loans, banking, investing, and student loans. The company was founded in 2009 and is based in San Francisco, California.

About Beyond Commerce

Beyond Commerce, Inc. engages in the business-to-business Internet marketing technology and services, and information management market businesses. It offers content, business process management, customer feedback management, customer experience management, business network, and BYOC analytics services. The company was formerly known as BOOMj, Inc. and changed its name to Beyond Commerce, Inc. in February 2009. Beyond Commerce, Inc. is based in Las Vegas, Nevada.