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

NASDAQ:NRDS • US64082B1026

Current stock price

10.89 USD
+0.01 (+0.09%)
At close:
10.68 USD
-0.21 (-1.93%)
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 has a better Return On Assets (10.56%) than 90.74% of its industry peers.
  • NRDS has a Return On Equity (13.00%) which is in line with its industry peers.
  • With an excellent Return On Invested Capital value of 11.72%, NRDS belongs to the best of the industry, outperforming 81.48% of the companies in the same industry.
  • NRDS had an Average Return On Invested Capital over the past 3 years of 4.81%. This is below the industry average of 9.54%.
  • 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

  • Looking at the Profit Margin, with a value of 5.82%, NRDS is doing worse than 72.22% of the companies in the same industry.
  • In the last couple of years the Profit Margin of NRDS has grown nicely.
  • NRDS has a Operating Margin (7.79%) which is in line with its industry peers.
  • In the last couple of years the Operating Margin of NRDS has grown nicely.
  • NRDS's Gross Margin of 92.39% is amongst the best of 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

  • NRDS has a Return on Invested Capital (ROIC), which is just above the Cost of Capital (WACC), which means it is creating some value.
  • Compared to 1 year ago, NRDS has less shares outstanding
  • Compared to 5 years ago, NRDS has more shares outstanding
  • NRDS has a worse debt/assets ratio than last year.
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

  • NRDS has an Altman-Z score of 7.20. This indicates that NRDS is financially healthy and has little risk of bankruptcy at the moment.
  • Looking at the Altman-Z score, with a value of 7.20, NRDS belongs to the top of the industry, outperforming 98.15% of the companies in the same industry.
  • The Debt to FCF ratio of NRDS is 0.06, which is an excellent value as it means it would take NRDS, only 0.06 years of fcf income to pay off all of its debts.
  • The Debt to FCF ratio of NRDS (0.06) is better than 96.30% of its industry peers.
  • NRDS has a Debt/Equity ratio of 0.02. This is a healthy value indicating a solid balance between debt and equity.
  • The Debt to Equity ratio of NRDS (0.02) is better than 92.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 0.02
Debt/FCF 0.06
Altman-Z 7.2
ROIC/WACC1.31
WACC8.92%
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.
  • NRDS has a Quick Ratio of 3.45. This indicates that NRDS is financially healthy and has no problem in meeting its short term obligations.
  • Looking at the Quick ratio, with a value of 3.45, NRDS belongs to the top of the industry, outperforming 83.33% of the companies in the same industry.
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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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

8

3. NRDS Growth Analysis

3.1 Past

  • NRDS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 30.61%, which is quite impressive.
  • Measured over the past years, NRDS shows a very strong growth in Earnings Per Share. The EPS has been growing by 51.65% on average per year.
  • 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

  • The Earnings Per Share is expected to grow by 36.48% on average over the next years. This is a very strong growth
  • Based on estimates for the next years, NRDS will show a small growth in Revenue. The Revenue will grow by 5.19% on average per year.
EPS Next Y45.03%
EPS Next 2Y29.36%
EPS Next 3Y36.48%
EPS Next 5YN/A
Revenue Next Year9.75%
Revenue Next 2Y8.42%
Revenue Next 3Y8.02%
Revenue Next 5Y5.19%

3.3 Evolution

  • Although the future EPS growth is still strong, it is not able to hold up the even more excellent growth rate of 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 1.5

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6

4. NRDS Valuation Analysis

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 17.02, the valuation of NRDS can be described as rather expensive.
  • Based on the Price/Earnings ratio, NRDS is valued a bit more expensive than 62.96% of the companies in the same industry.
  • Compared to an average S&P500 Price/Earnings ratio of 27.35, NRDS is valued a bit cheaper.
  • Based on the Price/Forward Earnings ratio of 11.73, the valuation of NRDS can be described as reasonable.
  • Compared to the rest of the industry, the Price/Forward Earnings ratio of NRDS is on the same level as its industry peers.
  • Compared to an average S&P500 Price/Forward Earnings ratio of 22.23, NRDS is valued a bit cheaper.
Industry RankSector Rank
PE 17.02
Fwd PE 11.73
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

  • Based on the Enterprise Value to EBITDA ratio, NRDS is valued cheaply inside the industry as 87.04% of the companies are valued more expensively.
  • The rest of the industry has a similar Price/Free Cash Flow ratio as NRDS.
Industry RankSector Rank
P/FCF 6.41
EV/EBITDA 5.59
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

  • NRDS's 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 36.48% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.38
PEG (5Y)0.33
EPS Next 2Y29.36%
EPS Next 3Y36.48%

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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 (4/27/2026, 8:07:39 PM)

After market: 10.68 -0.21 (-1.93%)

10.89

+0.01 (+0.09%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-25
Earnings (Next)05-06
Inst Owners91.05%
Inst Owner Change1.98%
Ins Owners5.66%
Ins Owner Change0.44%
Market Cap727.34M
Revenue(TTM)836.60M
Net Income(TTM)48.70M
Analysts80
Price Target14.79 (35.81%)
Short Float %15.42%
Short Ratio4.88
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)0%
EPS NQ rev (3m)43.39%
EPS NY rev (1m)-0.36%
EPS NY rev (3m)-2.33%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)2.54%
Revenue NY rev (1m)0%
Revenue NY rev (3m)2.4%
Valuation
Industry RankSector Rank
PE 17.02
Fwd PE 11.73
P/S 0.87
P/FCF 6.41
P/OCF 5.53
P/B 1.94
P/tB 3.17
EV/EBITDA 5.59
EPS(TTM)0.64
EY5.88%
EPS(NY)0.93
Fwd EY8.52%
FCF(TTM)1.7
FCFY15.59%
OCF(TTM)1.97
OCFY18.09%
SpS12.53
BVpS5.61
TBVpS3.44
PEG (NY)0.38
PEG (5Y)0.33
Graham Number8.98569 (-17.49%)
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 7.2
F-Score9
WACC8.92%
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 Y45.03%
EPS Next 2Y29.36%
EPS Next 3Y36.48%
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 Year141.62%
EBIT Next 3Y48.46%
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 17.02 and the Price/Book (PB) ratio is 1.94.


How financially healthy is NERDWALLET INC-CL A?

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