NRDS Stock Analysis: Nerdwallet | NASDAQ

Internet Content & Information | NASDAQ, USA | Market Cap: 623m USD | 12M Return: -10.6% | Charts, Fundamentals & Technical Analysis

Financial Guidance, Loan Marketplace, Insurance Brokerage, Investment Advisory
Total Rating 50
Safety 85
Buy Signal -0.11
Internet Content & Information
Industry Rotation: +15.4
Market Cap: 623M
Avg Turnover: 6.31M
Risk 3d forecast
Volatility49.0%
VaR 5th Pctl8.21%
VaR vs Median1.94%
Reward TTM
Sharpe Ratio-0.07
Rel. Str. IBD11.2
Rel. Str. Peer Group16.7
Character TTM
Beta1.601
Beta Downside2.262
Hurst Exponent0.571
Drawdowns 3y
Max DD55.36%
CAGR/Max DD-0.04
CAGR/Mean DD-0.08
EPS (Earnings per Share) EPS (Earnings per Share) of NRDS over the last years for every Quarter: "2021-06": -0.28, "2021-09": -0.09, "2021-12": -0.13, "2022-03": -0.16, "2022-06": -0.08, "2022-09": 0.05, "2022-12": 0.15, "2023-03": 0.04, "2023-06": -0.12, "2023-09": 0.01, "2023-12": -0.01, "2024-03": 0.01, "2024-06": -0.1, "2024-09": 0.04, "2024-12": 0.5384, "2025-03": 0.02, "2025-06": 0.11, "2025-09": 0.34, "2025-12": 0.1491, "2026-03": 0.29,
Last SUE: 0.16
Qual. Beats: 0
Revenue Revenue of NRDS over the last years for every Quarter: 2021-06: 91.6, 2021-09: 98.5, 2021-12: 99.5, 2022-03: 129.1, 2022-06: 125.2, 2022-09: 142.6, 2022-12: 142, 2023-03: 169.6, 2023-06: 143.3, 2023-09: 152.8, 2023-12: 133.7, 2024-03: 161.9, 2024-06: 150.6, 2024-09: 191.3, 2024-12: 183.8, 2025-03: 209.2, 2025-06: 186.9, 2025-09: 215.1, 2025-12: 225.4, 2026-03: 222.2,
Rev. CAGR: 16.21%
Rev. Trend: 95.1%
Last SUE: -0.51
Qual. Beats: 0

Warnings

Below Sma 200d

Tailwinds

No distinct edge detected

Seasonality 4.6 years of data

Jan +5.0% 22
Feb -0.6% 0
Mar -11.5% 46
Apr -8.3% 0
May -7.7% 0
Jun -0.1% 0
Jul -0.9% 12
Aug -13.2% 49
Sep -0.7% 11
Oct +10.8% 46
Nov +8.4% 23
Dec -7.7% 21

How good or bad each month usually is (without trend). The score below shows how much you can trust it: 0 = pure chance, >40 gets interesting and >55 is strong.

Description: NRDS Nerdwallet

NerdWallet, Inc. (NASDAQ: NRDS) is a digital personal finance platform founded in 2009 and headquartered in San Mateo, California, that provides financial guidance to consumers and small-to-mid-sized businesses across the U.S., U.K., Australia, and Canada. The company operates three core business lines: editorial content, tools, and research published under the NerdWallet brand; a marketplace and referral platform that connects users with third-party providers of products such as credit cards, loans, insurance, and mortgages; and licensed financial services delivered through its brokerage, insurance agency, and investment advisory subsidiaries.

The company sits within the consumer finance sector, where it competes against other digital financial product comparison and lead-generation platforms. NerdWallets referral-based marketplace is the primary revenue engine, with the company earning fees from financial institutions when users are matched to their products-a performance-based model common among online lending and insurance aggregators. Following its November 2021 IPO, NRDS trades as a small-cap financial services stock, and the company also extends student loan financing through its finance and refinance facilities.

Headlines to Watch Out For
  • Mortgage referrals decline as 30-year fixed rates stay elevated
  • Credit card marketplace revenue growth drives consolidated top line
  • Google algorithm changes threaten SEO-driven organic traffic acquisition
Piotroski VR-10 (Strict) 10.0
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 90.82%; Δ 2.23% > 0.5%)
Asset Turnover: 187.3% > 50% (prev 154.7%; Δ 32.63% > 0%)
Interest Coverage Ratio: 137.0 > 6 (EBIT TTM 95.9m / Interest Expense TTM 700k)
Altman Z'' 5.26
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: 3.51 (Book Value of Equity 336.2m / Total Liabilities 95.8m)
Altman-Z'' = 5.26 = AAA
Beneish M -3.05
DSRI: 0.81 (Receivables 113.1m/120.3m, Revenue 849.6m/734.9m)
GMI: 0.98 (GM 90.82% / 93.04%)
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 = -3.05 (Cap -4..+1) = AA
What is the price of NRDS shares?

As of July 15, 2026, the stock is trading at USD 9.49 with a total of 581,792 shares traded. Over the past week, the price has changed by +0.11%, over one month by +13.25%, over three months by -10.89% and over the past year by -10.56%.

Current recommended Stop Loss: 8.90 (which is 6.2% or 1.7 ATR below the current price).

Is NRDS a buy, sell or hold?

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

What are the forecasts/targets for the NRDS price?
Analysts Target Price 12 26.4%
Nerdwallet (NRDS) - Fundamental Data Overview as of 14 July 2026
Market Cap USD = 623.1m (623.1m USD * 1.0 USD.USD)
P/E Trailing = 10.1828
P/E Forward = 10.8814
P/S = 0.7334
P/B = 1.8534
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 = 589.7m USD (623.1m + Debt 22.9m - CCE 56.3m)
Interest Coverage Ratio = 137.0 (Ebit TTM 95.9m / Interest Expense TTM 700k)
EV/FCF = 4.51x (Enterprise Value 589.7m / FCF TTM 130.9m)
FCF Yield = 22.20% (FCF TTM 130.9m / Enterprise Value 589.7m)
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 = 1.37 (Enterprise Value 589.7m / Total Assets 432.0m)
Interest Expense / Debt = 3.06% (Interest Expense 700k / Debt 22.9m)
Taxrate = 27.40% (26.0m / 94.9m)
NOPAT = 69.6m (EBIT 95.9m * (1 - 27.40%))
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 = 18.34% (Net Income TTM 68.9m / Total Stockholder Equity 375.8m)
RoCE = 27.27% (EBIT 95.9m / Capital Employed (Total Assets 432.0m - Current Liab 80.3m))
RoIC = 22.52% (NOPAT 69.6m / Invested Capital 309.2m)
WACC = 11.28% (E(623.1m)/V(646.0m) * Re(11.61%) + D(22.9m)/V(646.0m) * Rd(3.06%) * (1-Tc(0.27)))
Discount Rate = 11.61% (= CAPM, Blume Beta Adj.)
Shares (quarterly) Correlation: -73.51 | Cagr: -4.18%
[DCF] Terminal Value 69.11% ; FCFF base≈100.7m ; Y1≈115.4m ; Y5≈169.8m
[DCF] Fair Price = 50.28 (EV 1.68b - Net Debt -33.4m = Equity 1.72b / Shares 34.1m; r=11.28% [WACC]; 5y FCF grow 15.0% → 2.50% )
EPS Correlation: N/A | EPS CAGR: N/A | SUE: 0.16 | # QB: 0
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=-25% | Analysts=1
EPS next Quarter (2026-09-30): EPS=0.34 | Chg30d=+1.97% | Revisions=+25% | Analysts=1
EPS current Year (2026-12-31): EPS=1.30 | Chg30d=-6.05% | Revisions=-25% | GrowthEPS=+171.3% | GrowthRev=+6.2%
EPS next Year (2027-12-31): EPS=2.06 | Chg30d=-0.32% | Revisions=-25% | GrowthEPS=+58.0% | GrowthRev=+6.2%