12.35 USD
+0.29 (+2.4%)
At close: Feb 2, 2026
12.35 USD
0 (0%)
After Hours: 2/2/2026, 8:27:43 PM
We assign a fundamental rating of 6 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 not overvalued while it is showing excellent growth. This is an interesting combination. With these ratings, NRDS could be worth investigating further for growth investing!.
1. Profitability
1.1 Basic Checks
- NRDS had positive earnings in the past year.
- NRDS had a positive operating cash flow in the past year.
- In multiple years NRDS reported negative net income over the last 5 years.
- In the past 5 years NRDS always reported a positive cash flow from operatings.
1.2 Ratios
- NRDS has a Return On Assets of 14.87%. This is amongst the best in the industry. NRDS outperforms 96.30% of its industry peers.
- NRDS has a better Return On Equity (18.22%) than 70.37% of its industry peers.
- NRDS has a better Return On Invested Capital (10.15%) than 74.07% of its industry peers.
| Industry Rank | Sector 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
1.3 Margins
- NRDS has a Profit Margin of 9.22%. This is comparable to the rest of the industry: NRDS outperforms 44.44% of its industry peers.
- NRDS's Profit Margin has declined in the last couple of years.
- The Operating Margin of NRDS (6.86%) is comparable to the rest of the industry.
- 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 85.19% 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 Rank | Sector 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%
2. Health
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.
- The number of shares outstanding for NRDS has been reduced compared to 1 year ago.
- NRDS has more shares outstanding than it did 5 years ago.
- Compared to 1 year ago, NRDS has a worse debt to assets ratio.
2.2 Solvency
- NRDS has an Altman-Z score of 8.00. This indicates that NRDS is financially healthy and has little risk of bankruptcy at the moment.
- NRDS has a Altman-Z score of 8.00. This is amongst the best in the industry. NRDS outperforms 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.
- NRDS's Debt to FCF ratio of 0.07 is amongst the best of the industry. NRDS outperforms 98.15% of its industry peers.
- A Debt/Equity ratio of 0.01 indicates that NRDS is not too dependend on debt financing.
- NRDS's Debt to Equity ratio of 0.01 is amongst the best of the industry. NRDS outperforms 90.74% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0.01 | ||
| Debt/FCF | 0.07 | ||
| Altman-Z | 8 |
ROIC/WACC1.14
WACC8.91%
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.
- NRDS has a better Current ratio (3.70) than 87.04% of its industry peers.
- NRDS has a Quick Ratio of 3.70. This indicates that NRDS is financially healthy and has no problem in meeting its short term obligations.
- NRDS's Quick ratio of 3.70 is amongst the best of the industry. NRDS outperforms 87.04% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 3.7 | ||
| Quick Ratio | 3.7 |
3. Growth
3.1 Past
- The Earnings Per Share has grown by an impressive 3300.00% over the past year.
- The Earnings Per Share has been growing slightly by 0.81% on average over the past years.
- NRDS shows a strong growth in Revenue. In the last year, the Revenue has grown by 24.71%.
- The Revenue has been growing by 24.67% on average over the past years. This is a very strong growth!
EPS 1Y (TTM)3300%
EPS 3YN/A
EPS 5Y0.81%
EPS Q2Q%277.78%
Revenue 1Y (TTM)24.71%
Revenue growth 3Y21.9%
Revenue growth 5Y24.67%
Sales Q2Q%12.44%
3.2 Future
- NRDS is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 33.29% yearly.
- NRDS is expected to show quite a strong growth in Revenue. In the coming years, the Revenue will grow by 8.26% yearly.
EPS Next Y30.48%
EPS Next 2Y39.26%
EPS Next 3Y33.29%
EPS Next 5YN/A
Revenue Next Year22.38%
Revenue Next 2Y14.53%
Revenue Next 3Y12.42%
Revenue Next 5Y8.26%
3.3 Evolution
- The EPS growth rate is accelerating: in the next years the growth will be better than in the last years.
- The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
- Based on the Price/Earnings ratio of 12.86, the valuation of NRDS can be described as correct.
- NRDS's Price/Earnings is on the same level as the industry average.
- The average S&P500 Price/Earnings ratio is at 28.41. NRDS is valued rather cheaply when compared to this.
- Based on the Price/Forward Earnings ratio of 13.00, the valuation of NRDS can be described as correct.
- NRDS's Price/Forward Earnings ratio is in line with the industry average.
- NRDS's Price/Forward Earnings ratio indicates a valuation a bit cheaper than the S&P500 average which is at 25.64.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.86 | ||
| Fwd PE | 13 |
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.
- Compared to the rest of the industry, the Price/Free Cash Flow ratio of NRDS is on the same level as its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 10.66 | ||
| EV/EBITDA | 7.56 |
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.
- NRDS's earnings are expected to grow with 33.29% in the coming years. This may justify a more expensive valuation.
PEG (NY)0.42
PEG (5Y)15.81
EPS Next 2Y39.26%
EPS Next 3Y33.29%
5. Dividend
5.1 Amount
- No dividends for NRDS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | 0% |
12.35
+0.29 (+2.4%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)11-06 2025-11-06/amc
Earnings (Next)02-19 2026-02-19/amc
Inst Owners78.36%
Inst Owner Change-3.85%
Ins Owners4.39%
Ins Owner Change-0.22%
Market Cap897.97M
Revenue(TTM)795.00M
Net Income(TTM)73.30M
Analysts81.54
Price Target16.49 (33.52%)
Short Float %5.04%
Short Ratio2.39
Dividend
| Industry Rank | Sector 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)11.49%
EPS NQ rev (1m)0%
EPS NQ rev (3m)16.86%
EPS NY rev (1m)0%
EPS NY rev (3m)32.38%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)8.88%
Revenue NY rev (1m)0%
Revenue NY rev (3m)4.84%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | 12.86 | ||
| Fwd PE | 13 | ||
| P/S | 1.13 | ||
| P/FCF | 10.66 | ||
| P/OCF | 8.75 | ||
| P/B | 2.23 | ||
| P/tB | 3.43 | ||
| EV/EBITDA | 7.56 |
EPS(TTM)0.96
EY7.77%
EPS(NY)0.95
Fwd EY7.69%
FCF(TTM)1.16
FCFY9.38%
OCF(TTM)1.41
OCFY11.43%
SpS10.93
BVpS5.53
TBVpS3.6
PEG (NY)0.42
PEG (5Y)15.81
Graham Number10.93
Profitability
| Industry Rank | Sector 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 Rank | Sector 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 | 8 |
F-Score9
WACC8.91%
ROIC/WACC1.14
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)3300%
EPS 3YN/A
EPS 5Y0.81%
EPS Q2Q%277.78%
EPS Next Y30.48%
EPS Next 2Y39.26%
EPS Next 3Y33.29%
EPS Next 5YN/A
Revenue 1Y (TTM)24.71%
Revenue growth 3Y21.9%
Revenue growth 5Y24.67%
Sales Q2Q%12.44%
Revenue Next Year22.38%
Revenue Next 2Y14.53%
Revenue Next 3Y12.42%
Revenue Next 5Y8.26%
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 6 / 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 5 / 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 30.48% in the next year.