NERDWALLET INC-CL A (NRDS) Fundamental Analysis & Valuation

NASDAQ:NRDS • US64082B1026

Current stock price

10.4 USD
+0.05 (+0.48%)
At close:
10.4 USD
0 (0%)
After Hours:

This NRDS fundamental analysis includes valuation metrics, fair value assessment, financial health analysis, profitability trends, growth metrics and dividend sustainability analysis.

6

1. NRDS Profitability Analysis

1.1 Basic Checks

  • NRDS had positive earnings in the past year.
  • In the past year NRDS had a positive cash flow from operations.
  • In multiple years NRDS reported negative net income over the last 5 years.
  • Each year in the past 5 years NRDS had a positive operating cash flow.
NRDS Yearly Net Income VS EBIT VS OCF VS FCFNRDS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 2024 2025 0 50M 100M

1.2 Ratios

  • NRDS's Return On Assets of 10.56% is amongst the best of the industry. NRDS outperforms 87.04% of its industry peers.
  • The Return On Equity of NRDS (13.00%) is comparable to the rest of the industry.
  • NRDS has a Return On Invested Capital of 11.72%. This is amongst the best in the industry. NRDS outperforms 81.48% of its industry peers.
  • NRDS had an Average Return On Invested Capital over the past 3 years of 4.81%. This is significantly below the industry average of 12.01%.
  • The 3 year average ROIC (4.81%) for NRDS is below the current ROIC(11.72%), indicating increased profibility in the last year.
Industry RankSector Rank
ROA 10.56%
ROE 13%
ROIC 11.72%
ROA(3y)4.9%
ROA(5y)0.12%
ROE(3y)6.04%
ROE(5y)-0.27%
ROIC(3y)4.81%
ROIC(5y)N/A
NRDS Yearly ROA, ROE, ROICNRDS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 2025 0 10 -10 20 30

1.3 Margins

  • With a Profit Margin value of 5.82%, NRDS is not doing good in the industry: 72.22% of the companies in the same industry are doing better.
  • NRDS's Profit Margin has improved in the last couple of years.
  • NRDS has a Operating Margin (7.79%) which is comparable to the rest of the industry.
  • NRDS's Operating Margin has improved in the last couple of years.
  • NRDS has a Gross Margin of 92.39%. This is amongst the best in the industry. NRDS outperforms 85.19% of its industry peers.
  • NRDS's Gross Margin has been stable in the last couple of years.
Industry RankSector Rank
OM 7.79%
PM (TTM) 5.82%
GM 92.39%
OM growth 3YN/A
OM growth 5Y58.68%
PM growth 3YN/A
PM growth 5Y21.92%
GM growth 3Y-0.08%
GM growth 5Y0.23%
NRDS Yearly Profit, Operating, Gross MarginsNRDS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 2025 0 20 40 60 80

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9

2. NRDS Health Analysis

2.1 Basic Checks

  • The Return on Invested Capital (ROIC) is just above the Cost of Capital (WACC), so NRDS is still creating some value.
  • NRDS has less shares outstanding than it did 1 year ago.
  • NRDS has more shares outstanding than it did 5 years ago.
  • The debt/assets ratio for NRDS is higher compared to a year ago.
NRDS Yearly Shares OutstandingNRDS Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 2025 20M 40M 60M
NRDS Yearly Total Debt VS Total AssetsNRDS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 2024 2025 100M 200M 300M 400M

2.2 Solvency

  • An Altman-Z score of 6.95 indicates that NRDS is not in any danger for bankruptcy at the moment.
  • NRDS's Altman-Z score of 6.95 is amongst the best of the industry. NRDS outperforms 98.15% of its industry peers.
  • NRDS has a debt to FCF ratio of 0.06. This is a very positive value and a sign of high solvency as it would only need 0.06 years to pay back of all of its debts.
  • With an excellent Debt to FCF ratio value of 0.06, NRDS belongs to the best of the industry, outperforming 98.15% of the companies in the same industry.
  • NRDS has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
  • NRDS has a Debt to Equity ratio of 0.02. This is amongst the best in the industry. NRDS outperforms 90.74% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.06
Altman-Z 6.95
ROIC/WACC1.31
WACC8.94%
NRDS Yearly LT Debt VS Equity VS FCFNRDS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 2024 2025 0 100M 200M 300M

2.3 Liquidity

  • A Current Ratio of 3.45 indicates that NRDS has no problem at all paying its short term obligations.
  • With an excellent Current ratio value of 3.45, NRDS belongs to the best of the industry, outperforming 81.48% of the companies in the same industry.
  • A Quick Ratio of 3.45 indicates that NRDS has no problem at all paying its short term obligations.
  • The Quick ratio of NRDS (3.45) is better than 83.33% of its industry peers.
Industry RankSector Rank
Current Ratio 3.45
Quick Ratio 3.45
NRDS Yearly Current Assets VS Current LiabilitesNRDS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 2025 50M 100M 150M 200M

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8

3. NRDS Growth Analysis

3.1 Past

  • The Earnings Per Share has grown by an impressive 30.61% over the past year.
  • NRDS shows a strong growth in Earnings Per Share. Measured over the last years, the EPS has been growing by 51.65% yearly.
  • The Revenue has grown by 21.67% in the past year. This is a very strong growth!
  • NRDS shows a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 27.81% yearly.
EPS 1Y (TTM)30.61%
EPS 3YN/A
EPS 5Y51.65%
EPS Q2Q%-62.75%
Revenue 1Y (TTM)21.67%
Revenue growth 3Y15.79%
Revenue growth 5Y27.81%
Sales Q2Q%22.63%

3.2 Future

  • NRDS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.94% yearly.
  • The Revenue is expected to grow by 5.19% on average over the next years.
EPS Next Y45.56%
EPS Next 2Y32.65%
EPS Next 3Y28.94%
EPS Next 5YN/A
Revenue Next Year9.75%
Revenue Next 2Y8.42%
Revenue Next 3Y8.02%
Revenue Next 5Y5.19%

3.3 Evolution

  • The estimated forward EPS growth is still strong, although it is decreasing when compared to the stronger growth in the past years.
  • When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is decreasing.
NRDS Yearly Revenue VS EstimatesNRDS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 2033 200M 400M 600M 800M 1B
NRDS Yearly EPS VS EstimatesNRDS Yearly EPS VS EstimatesYearly EPS VS Estimates 2021 2022 2023 2024 2025 2026 2027 2028 0 0.5 -0.5 1

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6

4. NRDS Valuation Analysis

4.1 Price/Earnings Ratio

  • The Price/Earnings ratio is 16.25, which indicates a correct valuation of NRDS.
  • Compared to the rest of the industry, the Price/Earnings ratio of NRDS indicates a slightly more expensive valuation: NRDS is more expensive than 72.22% of the companies listed in the same industry.
  • When comparing the Price/Earnings ratio of NRDS to the average of the S&P500 Index (25.60), we can say NRDS is valued slightly cheaper.
  • A Price/Forward Earnings ratio of 11.16 indicates a reasonable valuation of NRDS.
  • The rest of the industry has a similar Price/Forward Earnings ratio as NRDS.
  • NRDS is valuated cheaply when we compare the Price/Forward Earnings ratio to 22.84, which is the current average of the S&P500 Index.
Industry RankSector Rank
PE 16.25
Fwd PE 11.16
NRDS Price Earnings VS Forward Price EarningsNRDS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 5 10 15 20 25

4.2 Price Multiples

  • Compared to the rest of the industry, the Enterprise Value to EBITDA ratio of NRDS indicates a rather cheap valuation: NRDS is cheaper than 81.48% of the companies listed in the same industry.
  • 61.11% of the companies in the same industry are more expensive than NRDS, based on the Price/Free Cash Flow ratio.
Industry RankSector Rank
P/FCF 6.13
EV/EBITDA 5.27
NRDS Per share dataNRDS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 2 4 6 8 10

4.3 Compensation for Growth

  • The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
  • The decent profitability rating of NRDS may justify a higher PE ratio.
  • NRDS's earnings are expected to grow with 28.94% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.36
PEG (5Y)0.31
EPS Next 2Y32.65%
EPS Next 3Y28.94%

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Price/EarningsPrice/FCFFCF per shareEV/EBITDAPEG RATIOShow best valued peers

0

5. NRDS Dividend Analysis

5.1 Amount

  • NRDS does not give a dividend.
Industry RankSector Rank
Dividend Yield 0%

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NRDS Fundamentals: All Metrics, Ratios and Statistics

NERDWALLET INC-CL A

NASDAQ:NRDS (4/2/2026, 6:47:42 PM)

After market: 10.4 0 (0%)

10.4

+0.05 (+0.48%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-25
Earnings (Next)05-04
Inst Owners88.12%
Inst Owner Change1.43%
Ins Owners4.58%
Ins Owner Change0.41%
Market Cap694.62M
Revenue(TTM)836.60M
Net Income(TTM)48.70M
Analysts81.54
Price Target14.79 (42.21%)
Short Float %18.01%
Short Ratio5.58
Dividend
Industry RankSector Rank
Dividend Yield 0%
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)31.93%
Min EPS beat(2)6.75%
Max EPS beat(2)57.11%
EPS beat(4)4
Avg EPS beat(4)42.06%
Min EPS beat(4)4.37%
Max EPS beat(4)100%
EPS beat(8)7
Avg EPS beat(8)592.41%
EPS beat(12)9
Avg EPS beat(12)378.48%
EPS beat(16)11
Avg EPS beat(16)291.54%
Revenue beat(2)2
Avg Revenue beat(2)6.74%
Min Revenue beat(2)4.49%
Max Revenue beat(2)8.99%
Revenue beat(4)3
Avg Revenue beat(4)3.77%
Min Revenue beat(4)-6.18%
Max Revenue beat(4)8.99%
Revenue beat(8)6
Avg Revenue beat(8)4%
Revenue beat(12)8
Avg Revenue beat(12)2.7%
Revenue beat(16)11
Avg Revenue beat(16)2.53%
PT rev (1m)-10.31%
PT rev (3m)-10.31%
EPS NQ rev (1m)43.39%
EPS NQ rev (3m)43.39%
EPS NY rev (1m)-1.97%
EPS NY rev (3m)-1.97%
Revenue NQ rev (1m)2.54%
Revenue NQ rev (3m)2.55%
Revenue NY rev (1m)2.4%
Revenue NY rev (3m)2.4%
Valuation
Industry RankSector Rank
PE 16.25
Fwd PE 11.16
P/S 0.83
P/FCF 6.13
P/OCF 5.28
P/B 1.85
P/tB 3.03
EV/EBITDA 5.27
EPS(TTM)0.64
EY6.15%
EPS(NY)0.93
Fwd EY8.96%
FCF(TTM)1.7
FCFY16.33%
OCF(TTM)1.97
OCFY18.95%
SpS12.53
BVpS5.61
TBVpS3.44
PEG (NY)0.36
PEG (5Y)0.31
Graham Number8.99
Profitability
Industry RankSector Rank
ROA 10.56%
ROE 13%
ROCE 16.71%
ROIC 11.72%
ROICexc 15.7%
ROICexgc 30.73%
OM 7.79%
PM (TTM) 5.82%
GM 92.39%
FCFM 13.55%
ROA(3y)4.9%
ROA(5y)0.12%
ROE(3y)6.04%
ROE(5y)-0.27%
ROIC(3y)4.81%
ROIC(5y)N/A
ROICexc(3y)6.38%
ROICexc(5y)N/A
ROICexgc(3y)12.58%
ROICexgc(5y)N/A
ROCE(3y)6.84%
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y71.97%
ROICexc growth 3YN/A
ROICexc growth 5Y75.97%
OM growth 3YN/A
OM growth 5Y58.68%
PM growth 3YN/A
PM growth 5Y21.92%
GM growth 3Y-0.08%
GM growth 5Y0.23%
F-Score9
Asset Turnover1.81
Health
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.06
Debt/EBITDA 0.06
Cap/Depr 39.22%
Cap/Sales 2.18%
Interest Coverage 217.33
Cash Conversion 117.92%
Profit Quality 232.85%
Current Ratio 3.45
Quick Ratio 3.45
Altman-Z 6.95
F-Score9
WACC8.94%
ROIC/WACC1.31
Cap/Depr(3y)48.15%
Cap/Depr(5y)63.27%
Cap/Sales(3y)3.4%
Cap/Sales(5y)4.45%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)30.61%
EPS 3YN/A
EPS 5Y51.65%
EPS Q2Q%-62.75%
EPS Next Y45.56%
EPS Next 2Y32.65%
EPS Next 3Y28.94%
EPS Next 5YN/A
Revenue 1Y (TTM)21.67%
Revenue growth 3Y15.79%
Revenue growth 5Y27.81%
Sales Q2Q%22.63%
Revenue Next Year9.75%
Revenue Next 2Y8.42%
Revenue Next 3Y8.02%
Revenue Next 5Y5.19%
EBIT growth 1Y593.62%
EBIT growth 3YN/A
EBIT growth 5Y102.81%
EBIT Next Year143.95%
EBIT Next 3Y41.9%
EBIT Next 5Y21.8%
FCF growth 1Y124.55%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y83.29%
OCF growth 3Y73.96%
OCF growth 5Y53.58%

NERDWALLET INC-CL A / NRDS Fundamental Analysis FAQ

What is the fundamental rating for NRDS stock?

ChartMill assigns a fundamental rating of 7 / 10 to NRDS.


Can you provide the valuation status for NERDWALLET INC-CL A?

ChartMill assigns a valuation rating of 6 / 10 to NERDWALLET INC-CL A (NRDS). This can be considered as Fairly Valued.


Can you provide the profitability details for NERDWALLET INC-CL A?

NERDWALLET INC-CL A (NRDS) has a profitability rating of 6 / 10.


What is the valuation of NERDWALLET INC-CL A based on its PE and PB ratios?

The Price/Earnings (PE) ratio for NERDWALLET INC-CL A (NRDS) is 16.25 and the Price/Book (PB) ratio is 1.85.


How financially healthy is NERDWALLET INC-CL A?

The financial health rating of NERDWALLET INC-CL A (NRDS) is 9 / 10.