(NRDS) Nerdwallet - Overview
Sector: Communication Services | Industry: Internet Content & Information | Exchange: NASDAQ (USA) | Market Cap: 549m USD | Total Return: -20% in 12m
Avg Turnover: 9.31M
Qual. Beats: 1
Rev. Trend: 95.1%
Qual. Beats: 0
Warnings
Below Avwap Earnings
Tailwinds
No distinct edge detected
NerdWallet, Inc. (NRDS) operates a digital financial services platform providing educational content, tools, and marketplace referral services to consumers and small-to-medium businesses across the United States, United Kingdom, Australia, and Canada. The company’s primary revenue model relies on performance-based marketing, where financial institutions pay NerdWallet for qualified leads and successful conversions in categories such as credit cards, mortgages, and insurance.
The business functions as a lead-generation intermediary within the Consumer Finance sector, utilizing SEO-driven content to capture high-intent users seeking financial products. In addition to its core referral business, the company manages specialized subsidiaries like Fundera for small business lending and provides brokerage services for insurance and investments. Historical performance in this sector often correlates with interest rate cycles, as fluctuations in lending rates directly impact consumer demand for refinancing and new credit products.
For a deeper look into the underlying fundamentals of this stock, visit ValueRay. NerdWallet continues to expand its ecosystem through student loan facilities and advisory services, leveraging its brand authority to compete against traditional financial institutions and other digital aggregators.
- Interest rate volatility dictates consumer demand for loans and mortgage refinancing
- Financial services marketing spend fluctuates based on lender liquidity and risk appetite
- Expansion into international markets and SMB segments diversifies core revenue streams
- Organic search algorithm changes impact user acquisition costs and platform traffic
- Consumer credit health affects approval rates and performance-based referral commissions
| Net Income: 68.9m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.30 > 0.02 and ΔFCF/TA 18.66 > 1.0 |
| NWC/Revenue: 14.84% < 20% (prev 20.62%; Δ -5.77% < -1%) |
| CFO/TA 0.33 > 3% & CFO 140.6m > Net Income 68.9m |
| Net Debt (-33.4m) to EBITDA (139.4m): -0.24 < 3 |
| Current Ratio: 2.57 > 1.5 & < 3 |
| Outstanding Shares: last quarter (69.5m) vs 12m ago -8.67% < -2% |
| Gross Margin: 93.04% > 18% (prev 0.91%; Δ 9.21k% > 0.5%) |
| Asset Turnover: 187.3% > 50% (prev 154.7%; Δ 32.63% > 0%) |
| Interest Coverage Ratio: 137.0 > 6 (EBITDA TTM 139.4m / Interest Expense TTM 700k) |
| A: 0.29 (Total Current Assets 206.4m - Total Current Liabilities 80.3m) / Total Assets 432.0m |
| B: -0.54 (Retained Earnings -233.9m / Total Assets 432.0m) |
| C: 0.21 (EBIT TTM 95.9m / Avg Total Assets 453.5m) |
| D: -2.44 (Book Value of Equity -234.0m / Total Liabilities 95.8m) |
| Altman-Z'' = -0.99 = CCC |
| DSRI: 0.81 (Receivables 113.1m/120.3m, Revenue 849.6m/734.9m) |
| GMI: 0.98 (GM 93.04% / 90.82%) |
| AQI: 1.09 (AQ_t 0.44 / AQ_t-1 0.40) |
| SGI: 1.16 (Revenue 849.6m / 734.9m) |
| TATA: -0.17 (NI 68.9m - CFO 140.6m) / TA 432.0m) |
| Beneish M = -3.21 (Cap -4..+1) = AA |
As of May 30, 2026, the stock is trading at USD 8.60 with a total of 816,350 shares traded.
Over the past week, the price has changed by +4.88%,
over one month by -20.44%,
over three months by -20.74% and
over the past year by -20.00%.
Nerdwallet has received a consensus analysts rating of 4.29. Therefore, it is recommended to buy NRDS.
- StrongBuy: 4
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
| Analysts Target Price | 13.2 | 53.1% |
P/E Trailing = 8.9785
P/E Forward = 9.5969
P/S = 0.6467
P/B = 1.6342
Revenue TTM = 849.6m USD
EBIT TTM = 95.9m USD
EBITDA TTM = 139.4m USD
Long Term Debt = unknown (none)
Short Term Debt = 6.90m USD (from shortLongTermDebt, last fiscal year)
Debt = 22.9m USD (from shortLongTermDebtTotal, two quarters ago) + Leases 8.00m
Net Debt = -33.4m USD (calculated: Debt 22.9m - CCE 56.3m)
Enterprise Value = 516.0m USD (549.4m + Debt 22.9m - CCE 56.3m)
Interest Coverage Ratio = 137.0 (Ebit TTM 95.9m / Interest Expense TTM 700k)
EV/FCF = 3.94x (Enterprise Value 516.0m / FCF TTM 130.9m)
FCF Yield = 25.37% (FCF TTM 130.9m / Enterprise Value 516.0m)
FCF Margin = 15.41% (FCF TTM 130.9m / Revenue TTM 849.6m)
Net Margin = 8.11% (Net Income TTM 68.9m / Revenue TTM 849.6m)
Gross Margin = 93.04% ((Revenue TTM 849.6m - Cost of Revenue TTM 59.1m) / Revenue TTM)
Gross Margin QoQ = 93.88% (prev 93.97%)
Tobins Q-Ratio = 1.19 (Enterprise Value 516.0m / Total Assets 432.0m)
Interest Expense / Debt = 3.06% (Interest Expense 700k / Debt 22.9m)
Taxrate = 27.14% (7.60m / 28.0m)
NOPAT = 69.9m (EBIT 95.9m * (1 - 27.14%))
Current Ratio = 2.57 (Total Current Assets 206.4m / Total Current Liabilities 80.3m)
Debt / Equity = 0.07 (Debt 22.9m / totalStockholderEquity, last quarter 336.2m)
Debt / EBITDA = -0.24 (Net Debt -33.4m / EBITDA 139.4m)
Debt / FCF = -0.26 (Net Debt -33.4m / FCF TTM 130.9m)
Total Stockholder Equity = 375.8m (last 4 quarters mean from totalStockholderEquity)
RoA = 15.19% (Net Income 68.9m / Total Assets 432.0m)
RoE = 11.30% (Net Income TTM 68.9m / Total Stockholder Equity 609.7m)
RoCE = 27.27% (EBIT 95.9m / Capital Employed (Total Assets 432.0m - Current Liab 80.3m))
RoIC = 19.87% (NOPAT 69.9m / Invested Capital 351.7m)
WACC = 11.46% (E(549.4m)/V(572.3m) * Re(11.84%) + D(22.9m)/V(572.3m) * Rd(3.06%) * (1-Tc(0.27)))
Discount Rate = 11.84% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -56.57 | Cagr: -4.15%
[DCF] Terminal Value 68.61% ; FCFF base≈100.7m ; Y1≈115.4m ; Y5≈169.8m
[DCF] Fair Price = 49.27 (EV 1.65b - Net Debt -33.4m = Equity 1.68b / Shares 34.1m; r=11.46% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.89 | # QB: 1
Revenue Correlation: 95.10 | Revenue CAGR: 16.21% | SUE: -0.51 | # QB: 0
EPS current Quarter (2026-06-30): EPS=0.20 | Chg30d=-35.21% | Revisions=-20% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.34 | Chg30d=+1.97% | Revisions=+20% | Analysts=1
EPS current Year (2026-12-31): EPS=1.30 | Chg30d=-6.05% | Revisions=-20% | GrowthEPS=+171.3% | GrowthRev=+6.2%
EPS next Year (2027-12-31): EPS=2.06 | Chg30d=-0.32% | Revisions=-20% | GrowthEPS=+58.0% | GrowthRev=+6.2%