Head to Head Contrast: CTT Correios de Portugal (OTCMKTS:CTTPY) vs. NerdWallet (NASDAQ:NRDS)

CTT Correios de Portugal (OTCMKTS:CTTPY) and NerdWallet (NASDAQ:NRDS) are both small-cap finance companies, but which is the superior stock? We will compare the two businesses based on the strength of their valuation, institutional ownership, earnings, risk, profitability, analyst recommendations and dividends.

Profitability

This table compares CTT Correios de Portugal and NerdWallet’s net margins, return on equity and return on assets.

	Net Margins	Return on Equity	Return on Assets
CTT Correios de Portugal	4.06%	16.36%	0.86%
NerdWallet	6.11%	2.61%	2.10%

Earnings and Valuation

This table compares CTT Correios de Portugal and NerdWallet”s top-line revenue, earnings per share and valuation.

	Gross Revenue	Price/Sales Ratio	Net Income	Earnings Per Share	Price/Earnings Ratio
CTT Correios de Portugal	$1.20 billion	0.91	$49.28 million	$0.76	21.37
NerdWallet	$687.60 million	1.03	$30.40 million	$0.62	15.27

CTT Correios de Portugal has higher revenue and earnings than NerdWallet. NerdWallet is trading at a lower price-to-earnings ratio than CTT Correios de Portugal, indicating that it is currently the more affordable of the two stocks.

Institutional and Insider Ownership

38.8% of NerdWallet shares are held by institutional investors. 45.9% of NerdWallet shares are held by insiders. Strong institutional ownership is an indication that large money managers, endowments and hedge funds believe a stock will outperform the market over the long term.

Analyst Recommendations

This is a summary of recent ratings and price targets for CTT Correios de Portugal and NerdWallet, as provided by MarketBeat.com.

	Sell Ratings	Hold Ratings	Buy Ratings	Strong Buy Ratings	Rating Score
CTT Correios de Portugal	0	0	0	0	0.00
NerdWallet	0	2	3	0	2.60

NerdWallet has a consensus price target of $13.60, indicating a potential upside of 43.61%. Given NerdWallet’s stronger consensus rating and higher possible upside, analysts plainly believe NerdWallet is more favorable than CTT Correios de Portugal.

Volatility and Risk

CTT Correios de Portugal has a beta of -0.09, indicating that its share price is 109% less volatile than the S&P 500. Comparatively, NerdWallet has a beta of 1.45, indicating that its share price is 45% more volatile than the S&P 500.

Summary

NerdWallet beats CTT Correios de Portugal on 9 of the 14 factors compared between the two stocks.

About CTT Correios de Portugal

CTT – Correios De Portugal, S.A., together with its subsidiaries, provides postal and financial services worldwide. It operates through Mail, Express & Parcels, Financial Services & Retail, and Bank segments. The company offers courier and urgent mail transport services; postal financial services; and banking services. It also engages in the business of payments related to collection of invoices and fines. In addition, the company enables the payment of various services and utilities through a network of approximately 5,000 agents covering business outlets as stationery stores, tobacco shops, kiosks, and supermarkets. It operates a retail network of 566 post offices; 1,808 postal agencies; 223 postal delivery offices; 4,576 postal delivery routes; and a fleet of 3,925 vehicles. The company was formerly known as Correio Publico. CTT – Correios De Portugal, S.A. was founded in 1520 and is headquartered in Lisbon, Portugal.

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.