A Business at a Glance
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NERDWALLET, INC.
NRDS
$676M
Mkt Cap
$8.88
+1.95%
NERDWALLET, INC. (NRDS) has a current P/E ratio of 13.9, compared to its historical median P/E of 28.2. The stock is currently considered Cheap based on its historical valuation range.
NERDWALLET, INC. (NRDS) has a 5-year average return on invested capital (ROIC) of -0.2%. This is below average and may indicate limited pricing power.
NERDWALLET, INC. (NRDS) has a market capitalization of $584M. It is classified as a small-cap stock.
NERDWALLET, INC. (NRDS) does not currently pay a regular dividend. However, the company returns capital to shareholders through share buybacks, with a buyback yield of 23.31%.
Based on historical P/E analysis, NERDWALLET, INC. (NRDS) appears cheap. The current P/E of 13.9 is 51% below its historical median of 28.2. The estimated fair value CAGR (P/E method) is 127.8%.
NERDWALLET, INC. (NRDS) operates in the Services-Computer Processing & Data Preparation industry, within the Technology sector.
NERDWALLET, INC. (NRDS) reported annual revenue of $837 million in its most recent fiscal year, based on SEC EDGAR filings.
NerdWallet, Inc. (NerdWallet, the Company, we, our, or us) provides consumers and small and mid-sized businesses (SMBs) with trusted guidance across a broad range of finance topics through a digital platform that integrates independent editorial content, comparison tools, data-driven product marketplaces, and access to regulated financial services offered through our subsidiaries. Our mission is to provide clarity for all of life’s financial decisions. Our vision is a world where everyone makes financial decisions with confidence. Our platform enables users to compare financial products, access educational resources, receive personalized insights, and connect with third-party providers across credit cards, banking, insurance, lending, investing, wealth management, and other financial categories. We generate revenue primarily through referral fees, lead generation, and partner-based monetization, as well as through revenue derived from brokering and advisory services.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 850M | 837M | 688M | 599M | 539M | 380M |
| Net Income | 69M | 49M | 30M | -12M | -10M | -43M |
| EPS | $0.97 | $0.64 | $0.38 | $-0.15 | $-0.14 | $-0.82 |
| Free Cash Flow | 139M | 130M | 71M | 71M | 20M | 4.9M |
| ROIC | 23.8% | 16.0% | 8.3% | 0.8% | -3.4% | -22.9% |
| Gross Margin | - | 28.1% | 29.5% | 32.2% | 29.0% | 23.7% |
| Debt/Equity | 0.00 | 0.02 | 0.02 | 0.03 | 0.04 | 0.06 |
| Dividends/Share | $0.00 | - | - | - | - | - |
| Operating Income | 92M | 65M | 9.4M | 3.6M | -19M | -39M |
| Operating Margin | 10.8% | 7.8% | 1.4% | 0.6% | -3.5% | -10.3% |
| ROE | 20.5% | 13.2% | 8.3% | -3.3% | -3.4% | -25.0% |
| Shares Outstanding | 66M | 76M | 80M | 79M | 73M | 52M |
| Metric | ||||||||
|---|---|---|---|---|---|---|---|---|
| Income Statement | ||||||||
| Revenue | 228M | 245M | 380M | 539M | 599M | 688M | 837M | 850M |
| Gross Margin | 46.9% | 39.5% | 23.7% | 29.0% | 32.2% | 29.5% | 28.1% | N/A |
| R&D | 46M | 51M | 62M | 78M | 81M | 83M | 67M | 67M |
| SG&A | 22M | 28M | 39M | 58M | 60M | 62M | 56M | 58M |
| EBIT | 28M | 1.9M | -39M | -19M | 3.6M | 9.4M | 65M | 92M |
| Op. Margin | 12.4% | 0.8% | -10.3% | -3.5% | 0.6% | 1.4% | 7.8% | 10.8% |
| Net Income | 24M | 5.3M | -43M | -10M | -12M | 30M | 49M | 69M |
| Net Margin | 10.6% | 2.2% | -11.2% | -1.9% | -2.0% | 4.4% | 5.8% | 8.1% |
| Non-Recurring | -200K | 0 | 0 | 0 | 0 | 9.0M | 500K | 500K |
| Returns on Capital | ||||||||
| ROIC | N/M | 4.2% | -22.9% | -3.4% | 0.8% | 8.3% | 16.0% | 23.8% |
| ROE | -396.7% | 11.7% | -25.0% | -3.4% | -3.3% | 8.3% | 13.2% | 20.5% |
| ROA | N/A | 2.1% | -13.7% | -2.6% | -2.8% | 7.1% | 10.8% | 15.9% |
| Cash Flow | ||||||||
| Op. Cash Flow | 31M | 15M | 7.2M | 25M | 72M | 72M | 132M | 141M |
| Free Cash Flow | 31M | 14M | 4.9M | 20M | 71M | 71M | 130M | 139M |
| Owner Earnings | 17M | -6.1M | -38M | -46M | -15M | -14M | 57M | 68M |
| CapEx | 700K | 1.3M | 2.3M | 4.6M | 700K | 600K | 1.3M | 1.5M |
| Maint. CapEx | 9.4M | 15M | 27M | 37M | 48M | 48M | 46M | 44M |
| Growth CapEx | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| D&A | 9.4M | 15M | 27M | 37M | 48M | 48M | 46M | 44M |
| CapEx/OCF | N/A | N/A | 31.9% | 18.4% | 1.0% | 0.8% | 1.0% | 1.1% |
| Capital Allocation | ||||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
| Dividend Yield | N/A | N/A | N/A | N/A | N/A | N/A | N/A | N/A |
| Share Buybacks | 0 | 1.2M | 2.3M | 0 | 20M | 80M | 70M | 136M |
| Buyback Yield | 0.0% | N/A | 1.6% | N/A | 1.7% | 7.6% | 6.6% | 23.3% |
| Stock-Based Comp | 5.0M | 6.4M | 18M | 34M | 39M | 38M | 29M | 29M |
| Debt Repayment | 0 | 0 | 0 | 70M | 7.5M | 0 | 0 | 0 |
| Balance Sheet | ||||||||
| Net Debt | N/A | -38M | -153M | -71M | -91M | -60M | -90M | -56M |
| Cash & Equiv. | 68M | 83M | 168M | 84M | 100M | 66M | 98M | 56M |
| Long-Term Debt | N/A | 30M | 0 | N/A | N/A | N/A | N/A | N/A |
| Debt/Equity | 0.64 | 0.54 | 0.06 | 0.04 | 0.03 | 0.02 | 0.02 | 0.00 |
| Interest Coverage | 25.8 | 1.7 | -30.0 | -7.6 | 4.5 | 13.4 | 108.7 | 131.0 |
| Equity | 8.0M | 83M | 258M | 342M | 367M | 364M | 375M | 336M |
| Total Assets | 0 | 255M | 364M | 426M | 419M | 438M | 461M | 432M |
| Total Liabilities | 5.1M | 104M | 107M | 84M | 52M | 73M | 87M | 96M |
| Intangibles | N/A | 36M | 28M | 64M | 47M | 33M | 22M | 23M |
| Retained Earnings | N/A | -18M | -75M | -85M | -117M | -167M | -188M | -234M |
| Working Capital | N/A | 105M | 177M | 117M | 161M | 137M | 174M | 126M |
| Current Assets | N/A | 129M | 243M | 189M | 198M | 197M | 245M | 206M |
| Current Liabilities | N/A | 24M | 66M | 72M | 37M | 60M | 71M | 80M |
| Per Share Data | ||||||||
| EPS | 0.45 | 0.09 | -0.82 | -0.14 | -0.15 | 0.38 | 0.64 | 0.97 |
| Owner EPS | 0.32 | -0.10 | -0.73 | -0.64 | -0.19 | -0.18 | 0.74 | 1.04 |
| Book Value | 0.15 | 1.40 | 4.97 | 4.69 | 4.66 | 4.55 | 4.92 | 5.11 |
| Cash Flow/Share | 0.58 | 0.26 | 0.14 | 0.34 | 0.92 | 0.90 | 1.73 | 1.71 |
| Dividends/Share | 0.00 | N/A | N/A | N/A | N/A | N/A | N/A | 0.00 |
| Shares Out. | 53.8M | 58.9M | 51.8M | 72.9M | 78.7M | 80.0M | 76.1M | 65.8M |
| Valuation | ||||||||
| P/E Ratio | N/A | N/A | N/A | N/A | N/A | 34.7 | 21.8 | 9.2 |
| P/FCF | N/A | N/A | 154.4 | 31.4 | 16.8 | 14.8 | 8.1 | 4.2 |
| EV/EBIT | N/A | N/A | N/A | N/A | N/A | N/A | N/A | 5.8 |
| Price/Book | N/A | N/A | 2.9 | 1.9 | 3.3 | 2.9 | 2.8 | 1.7 |
| Price/Sales | N/A | N/A | 2.7 | 1.5 | 1.5 | 1.6 | 1.0 | 0.7 |
| FCF Yield | N/A | N/A | 0.6% | 3.2% | 6.0% | 6.8% | 12.3% | 23.8% |
| Market Cap | 0 | N/A | 757M | 640M | 1.2B | 1.1B | 1.1B | 584M |
| Avg. Price | 0.00 | N/A | 19.91 | 11.07 | 11.63 | 13.93 | 11.43 | 8.88 |
| Year-End Price | 0.00 | N/A | 14.60 | 8.78 | 15.21 | 13.17 | 13.94 | 8.88 |
NERDWALLET, INC. passes 4 of 9 quality checks, suggesting mixed fundamentals.
NERDWALLET, INC. trades at 13.9x trailing earnings, compared to its 15-year median P/E of 28.2x, suggesting it is currently Cheap relative to its historical range. On a free-cash-flow basis, the stock trades at 2.4x vs a median of 15.8x. The company's 5-year average gross margin is 28.5%. Total shareholder yield (buybacks) is 23.3%. At current prices, the estimated annualized return to fair value is +83.0%.
NERDWALLET, INC. (NRDS) has a net profit margin of 5.8%. This is a modest margin.
NERDWALLET, INC. (NRDS) generated $130 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
NERDWALLET, INC. (NRDS) has a debt-to-equity ratio of 0.02. This indicates a conservatively financed balance sheet.
NERDWALLET, INC. (NRDS) reported earnings per share (EPS) of $0.64 in its most recent fiscal year.
NERDWALLET, INC. (NRDS) has a return on equity (ROE) of 13.2%. This indicates moderate shareholder returns.
NERDWALLET, INC. (NRDS) has a 5-year average gross margin of 28.5%. This lower margin is typical of capital-intensive or commodity businesses.
The Ledger Terminal provides 7 years of financial data for NERDWALLET, INC. (NRDS), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
NERDWALLET, INC. (NRDS) has a book value per share of $4.92, based on its most recent annual SEC filing.