NERDWALLET INC-CL A (NRDS) Stock Fundamental Analysis

NASDAQ:NRDS • US64082B1026

11.07 USD
+0.75 (+7.27%)
At close: Feb 26, 2026
11.07 USD
0 (0%)
After Hours: 2/26/2026, 8:00:02 PM
Overview Stock Chart Technical Analysis Fundamental Analysis Analyst Ratings Earnings Estimates Financials Ownership News
Fundamental Rating

5

We assign a fundamental rating of 5 out of 10 to NRDS. NRDS was compared to 54 industry peers in the Consumer Finance industry. NRDS is in great health and has no worries on liquidiy or solvency at all, but the profibility rating is only average. NRDS is valued correctly, but it does not seem to be growing.


Dividend Valuation Growth Profitability Health

4

1. Profitability

1.1 Basic Checks

  • In the past year NRDS was profitable.
  • In the past year NRDS had a positive cash flow from operations.
  • NRDS had negative earnings in 4 of the past 5 years.
  • NRDS had a positive operating cash flow in 4 of the past 5 years.
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 0 20M -20M 40M -40M 60M

1.2 Ratios

  • With an excellent Return On Assets value of 14.87%, NRDS belongs to the best of the industry, outperforming 96.30% of the companies in the same industry.
  • With a decent Return On Equity value of 18.22%, NRDS is doing good in the industry, outperforming 70.37% of the companies in the same industry.
  • Looking at the Return On Invested Capital, with a value of 10.15%, NRDS is in the better half of the industry, outperforming 75.93% of the companies in the same industry.
Industry RankSector Rank
ROA 14.87%
ROE 18.22%
ROIC 10.15%
ROA(3y)0.58%
ROA(5y)-1.57%
ROE(3y)0.72%
ROE(5y)-2.17%
ROIC(3y)N/A
ROIC(5y)N/A
NRDS Yearly ROA, ROE, ROICNRDS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 2024 0 10 -10 20 30

1.3 Margins

  • With a Profit Margin value of 9.22%, NRDS perfoms like the industry average, outperforming 40.74% of the companies in the same industry.
  • NRDS's Profit Margin has declined in the last couple of years.
  • NRDS has a Operating Margin (6.86%) which is in line with its industry peers.
  • In the last couple of years the Operating Margin of NRDS has declined.
  • With an excellent Gross Margin value of 91.60%, NRDS belongs to the best of the industry, outperforming 83.33% of the companies in the same industry.
  • In the last couple of years the Gross Margin of NRDS has remained more or less at the same level.
Industry RankSector Rank
OM 6.86%
PM (TTM) 9.22%
GM 91.6%
OM growth 3YN/A
OM growth 5Y-35.7%
PM growth 3YN/A
PM growth 5Y-16.05%
GM growth 3Y-0.63%
GM growth 5Y-0.47%
NRDS Yearly Profit, Operating, Gross MarginsNRDS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 2024 0 20 40 60 80

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ROAROEROICOperating and Profit MarginShow most profitable peers

9

2. Health

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.
  • There is no outstanding debt for NRDS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
NRDS Yearly Shares OutstandingNRDS Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 2024 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 100M 200M 300M 400M

2.2 Solvency

  • An Altman-Z score of 7.02 indicates that NRDS is not in any danger for bankruptcy at the moment.
  • NRDS has a better Altman-Z score (7.02) than 98.15% of its industry peers.
  • The Debt to FCF ratio of NRDS is 0.07, which is an excellent value as it means it would take NRDS, only 0.07 years of fcf income to pay off all of its debts.
  • With an excellent Debt to FCF ratio value of 0.07, NRDS belongs to the best of the industry, outperforming 98.15% of the companies in the same industry.
  • A Debt/Equity ratio of 0.01 indicates that NRDS is not too dependend on debt financing.
  • With an excellent Debt to Equity ratio value of 0.01, NRDS belongs to the best of the industry, outperforming 90.74% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.07
Altman-Z 7.02
ROIC/WACC1.17
WACC8.71%
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 0 100M 200M 300M

2.3 Liquidity

  • NRDS has a Current Ratio of 3.70. This indicates that NRDS is financially healthy and has no problem in meeting its short term obligations.
  • The Current ratio of NRDS (3.70) is better than 83.33% of its industry peers.
  • A Quick Ratio of 3.70 indicates that NRDS has no problem at all paying its short term obligations.
  • The Quick ratio of NRDS (3.70) is better than 85.19% of its industry peers.
Industry RankSector Rank
Current Ratio 3.7
Quick Ratio 3.7
NRDS Yearly Current Assets VS Current LiabilitesNRDS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 2024 50M 100M 150M 200M

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WACCDebt/EquityHow to determine the health of a companyAltman-Z scoreShow peers with great health

3

3. Growth

3.1 Past

  • The Earnings Per Share has grown by an impressive 30.61% over the past year.
EPS 1Y (TTM)30.61%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-62.75%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%22.63%

3.2 Future

  • The Earnings Per Share is expected to grow by 34.64% on average over the next years. This is a very strong growth
  • NRDS is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 4.97% yearly.
EPS Next Y48.48%
EPS Next 2Y34.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year7.18%
Revenue Next 2Y7.74%
Revenue Next 3Y4.98%
Revenue Next 5Y4.97%

3.3 Evolution

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 0 0.5 -0.5 1

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Find the best growth stocksShow best growing peers

5

4. Valuation

4.1 Price/Earnings Ratio

  • Based on the Price/Earnings ratio of 17.30, the valuation of NRDS can be described as rather expensive.
  • Based on the Price/Earnings ratio, NRDS is valued a bit more expensive than 64.81% of the companies in the same industry.
  • When comparing the Price/Earnings ratio of NRDS to the average of the S&P500 Index (27.21), we can say NRDS is valued slightly cheaper.
  • Based on the Price/Forward Earnings ratio of 11.65, the valuation of NRDS can be described as reasonable.
  • NRDS's Price/Forward Earnings is on the same level as the industry average.
  • When comparing the Price/Forward Earnings ratio of NRDS to the average of the S&P500 Index (28.13), we can say NRDS is valued rather cheaply.
Industry RankSector Rank
PE 17.3
Fwd PE 11.65
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 a bit cheaper than 75.93% of the companies in the same industry.
  • NRDS's Price/Free Cash Flow is on the same level as the industry average.
Industry RankSector Rank
P/FCF 9.56
EV/EBITDA 6.13
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.
  • A more expensive valuation may be justified as NRDS's earnings are expected to grow with 34.64% in the coming years.
PEG (NY)0.36
PEG (5Y)N/A
EPS Next 2Y34.64%
EPS Next 3YN/A

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

0

5. Dividend

5.1 Amount

  • No dividends for NRDS!.
Industry RankSector Rank
Dividend Yield 0%

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Find the best dividend stocksShow peers with best dividend

NERDWALLET INC-CL A

NASDAQ:NRDS (2/26/2026, 8:00:02 PM)

After market: 11.07 0 (0%)

11.07

+0.75 (+7.27%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-25
Earnings (Next)05-04
Inst Owners78.36%
Inst Owner Change1.43%
Ins Owners4.39%
Ins Owner Change-0.22%
Market Cap804.90M
Revenue(TTM)N/A
Net Income(TTM)73.30M
Analysts81.54
Price Target16.49 (48.96%)
Short Float %8.71%
Short Ratio4.11
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)30.74%
Min EPS beat(2)4.37%
Max EPS beat(2)57.11%
EPS beat(4)4
Avg EPS beat(4)1169.57%
Min EPS beat(4)4.37%
Max EPS beat(4)4516.81%
EPS beat(8)6
Avg EPS beat(8)577.87%
EPS beat(12)9
Avg EPS beat(12)382.78%
EPS beat(16)11
Avg EPS beat(16)293.18%
Revenue beat(2)1
Avg Revenue beat(2)1.41%
Min Revenue beat(2)-6.18%
Max Revenue beat(2)8.99%
Revenue beat(4)3
Avg Revenue beat(4)4.38%
Min Revenue beat(4)-6.18%
Max Revenue beat(4)8.99%
Revenue beat(8)5
Avg Revenue beat(8)2.78%
Revenue beat(12)7
Avg Revenue beat(12)2.31%
Revenue beat(16)11
Avg Revenue beat(16)2.95%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0.97%
EPS NY rev (1m)0%
EPS NY rev (3m)32.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)0%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.84%
Valuation
Industry RankSector Rank
PE 17.3
Fwd PE 11.65
P/S 1.01
P/FCF 9.56
P/OCF 7.84
P/B 2
P/tB 3.07
EV/EBITDA 6.13
EPS(TTM)0.64
EY5.78%
EPS(NY)0.95
Fwd EY8.58%
FCF(TTM)1.16
FCFY10.46%
OCF(TTM)1.41
OCFY12.75%
SpS10.93
BVpS5.53
TBVpS3.6
PEG (NY)0.36
PEG (5Y)N/A
Graham Number8.93
Profitability
Industry RankSector Rank
ROA 14.87%
ROE 18.22%
ROCE 13.03%
ROIC 10.15%
ROICexc 14.18%
ROICexgc 26.4%
OM 6.86%
PM (TTM) 9.22%
GM 91.6%
FCFM 10.59%
ROA(3y)0.58%
ROA(5y)-1.57%
ROE(3y)0.72%
ROE(5y)-2.17%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexgc growth 3YN/A
ROICexgc growth 5Y-36.98%
ROICexc growth 3YN/A
ROICexc growth 5Y-44.38%
OM growth 3YN/A
OM growth 5Y-35.7%
PM growth 3YN/A
PM growth 5Y-16.05%
GM growth 3Y-0.63%
GM growth 5Y-0.47%
F-Score9
Asset Turnover1.61
Health
Industry RankSector Rank
Debt/Equity 0.01
Debt/FCF 0.07
Debt/EBITDA 0.06
Cap/Depr 38.1%
Cap/Sales 2.31%
Interest Coverage 272.5
Cash Conversion 99.81%
Profit Quality 114.87%
Current Ratio 3.7
Quick Ratio 3.7
Altman-Z 7.02
F-Score9
WACC8.71%
ROIC/WACC1.17
Cap/Depr(3y)64.08%
Cap/Depr(5y)80.19%
Cap/Sales(3y)4.66%
Cap/Sales(5y)5.54%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)30.61%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-62.75%
EPS Next Y48.48%
EPS Next 2Y34.64%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%22.63%
Revenue Next Year7.18%
Revenue Next 2Y7.74%
Revenue Next 3Y4.98%
Revenue Next 5Y4.97%
EBIT growth 1Y713.43%
EBIT growth 3YN/A
EBIT growth 5Y-19.84%
EBIT Next Year4664.15%
EBIT Next 3Y287.85%
EBIT Next 5Y123.48%
FCF growth 1Y139.89%
FCF growth 3YN/A
FCF growth 5Y24.92%
OCF growth 1Y63.9%
OCF growth 3Y115.24%
OCF growth 5Y17.99%

NERDWALLET INC-CL A / NRDS FAQ

What is the fundamental rating for NRDS stock?

ChartMill assigns a fundamental rating of 5 / 10 to NRDS.


What is the valuation status for NRDS stock?

ChartMill assigns a valuation rating of 5 / 10 to NERDWALLET INC-CL A (NRDS). This can be considered as Fairly Valued.


How profitable is NERDWALLET INC-CL A (NRDS) stock?

NERDWALLET INC-CL A (NRDS) has a profitability rating of 4 / 10.


Can you provide the expected EPS growth for NRDS stock?

The Earnings per Share (EPS) of NERDWALLET INC-CL A (NRDS) is expected to grow by 48.48% in the next year.