(NRDS) Nerdwallet - Overview
Exchange: NASDAQ •
Country: United States •
Currency: USD •
Type: Common Stock •
ISIN: US64082B1026
Stock: Credit Cards, Mortgages, Insurance, Loans, Banking, Investing
Total Rating 33
Risk 62
Buy Signal -1.41
EPS (Earnings per Share)
Revenue
| Risk 5d forecast | |
|---|---|
| Volatility | 55.2% |
| Relative Tail Risk | -10.2% |
| Reward TTM | |
|---|---|
| Sharpe Ratio | -0.30 |
| Alpha | -44.88 |
| Character TTM | |
|---|---|
| Beta | 1.309 |
| Beta Downside | 1.106 |
| Drawdowns 3y | |
|---|---|
| Max DD | 69.83% |
| CAGR/Max DD | -0.12 |
Description: NRDS Nerdwallet January 26, 2026
NerdWallet, Inc. (NASDAQ: NRDS) runs a multi-regional digital platform that offers financial guidance and product marketplaces for consumers and SMBs in the U.S., U.K., Australia, and Canada. Its app aggregates credit-card offers, mortgages, insurance, personal loans, banking, investing, and student-loan options, while also delivering educational content, calculators, and tools to help users make informed decisions. Founded in 2009 and headquartered in San Francisco, the company sits in the Consumer Finance sub-industry.
As of Q4 2025, NerdWallet reported $112 million in revenue, a 14 % year-over-year increase driven by higher affiliate commissions and expanding SMB product lines. The platform now serves roughly 28 million monthly active users, up 9 % from the prior year, reflecting continued consumer migration to digital financial advice. The broader fintech sector is benefiting from a 6 % annual growth in online financial-services adoption, while a moderate-rate environment sustains demand for credit-card and loan comparison tools.
For a deeper quantitative assessment, you may want to explore the detailed valuation model on ValueRay.
Piotroski VR‑10 (Strict, 0-10) 8.5
| Net Income: 73.3m TTM > 0 and > 6% of Revenue |
| FCF/TA: 0.19 > 0.02 and ΔFCF/TA 2.38 > 1.0 |
| NWC/Revenue: 25.25% < 20% (prev 19.95%; Δ 5.29% < -1%) |
| CFO/TA 0.21 > 3% & CFO 102.6m > Net Income 73.3m |
| Net Debt (-120.6m) to EBITDA (98.0m): -1.23 < 3 |
| Current Ratio: 3.70 > 1.5 & < 3 |
| Outstanding Shares: last quarter (76.9m) vs 12m ago -3.03% < -2% |
| Gross Margin: 91.60% > 18% (prev 0.90%; Δ 9069 % > 0.5%) |
| Asset Turnover: 177.6% > 50% (prev 158.4%; Δ 19.19% > 0%) |
| Interest Coverage Ratio: 71.0 > 6 (EBITDA TTM 98.0m / Interest Expense TTM 700.0k) |
Altman Z'' 0.66
| A: 0.41 (Total Current Assets 275.1m - Total Current Liabilities 74.4m) / Total Assets 492.8m |
| B: -0.31 (Retained Earnings -151.0m / Total Assets 492.8m) |
| C: 0.11 (EBIT TTM 49.7m / Avg Total Assets 447.6m) |
| D: -1.67 (Book Value of Equity -151.1m / Total Liabilities 90.4m) |
| Altman-Z'' Score: 0.66 = B |
Beneish M -3.01
| DSRI: 0.95 (Receivables 121.9m/102.8m, Revenue 795.0m/637.5m) |
| GMI: 0.99 (GM 91.60% / 90.49%) |
| AQI: 0.92 (AQ_t 0.36 / AQ_t-1 0.39) |
| SGI: 1.25 (Revenue 795.0m / 637.5m) |
| TATA: -0.06 (NI 73.3m - CFO 102.6m) / TA 492.8m) |
| Beneish M-Score: -3.01 (Cap -4..+1) = AA |
What is the price of NRDS shares?
As of February 07, 2026, the stock is trading at USD 10.54 with a total of 1,156,487 shares traded.
Over the past week, the price has changed by -12.60%, over one month by -21.81%, over three months by -12.02% and over the past year by -25.77%.
Over the past week, the price has changed by -12.60%, over one month by -21.81%, over three months by -12.02% and over the past year by -25.77%.
Is NRDS a buy, sell or hold?
Nerdwallet has received a consensus analysts rating of 4.29.
Therefore, it is recommended to buy NRDS.
- StrongBuy: 4
- Buy: 1
- Hold: 2
- Sell: 0
- StrongSell: 0
What are the forecasts/targets for the NRDS price?
| Issuer | Target | Up/Down from current |
|---|---|---|
| Wallstreet Target Price | 16.2 | 53.4% |
| Analysts Target Price | 16.2 | 53.4% |
| ValueRay Target Price | 10.2 | -3.5% |
NRDS Fundamental Data Overview February 03, 2026
P/E Trailing = 12.8298
P/E Forward = 15.6495
P/S = 1.1529
P/B = 2.1774
Revenue TTM = 795.0m USD
EBIT TTM = 49.7m USD
EBITDA TTM = 98.0m USD
Long Term Debt = 6.40m USD (from capitalLeaseObligations, last fiscal year)
Short Term Debt = 4.80m USD (from shortTermDebt, last fiscal year)
Debt = 8.90m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -120.6m USD (from netDebt column, last quarter)
Enterprise Value = 804.9m USD (916.6m + Debt 8.90m - CCE 120.6m)
Interest Coverage Ratio = 71.0 (Ebit TTM 49.7m / Interest Expense TTM 700.0k)
EV/FCF = 8.72x (Enterprise Value 804.9m / FCF TTM 92.3m)
FCF Yield = 11.47% (FCF TTM 92.3m / Enterprise Value 804.9m)
FCF Margin = 11.61% (FCF TTM 92.3m / Revenue TTM 795.0m)
Net Margin = 9.22% (Net Income TTM 73.3m / Revenue TTM 795.0m)
Gross Margin = 91.60% ((Revenue TTM 795.0m - Cost of Revenue TTM 66.8m) / Revenue TTM)
Gross Margin QoQ = 92.89% (prev 91.12%)
Tobins Q-Ratio = 1.63 (Enterprise Value 804.9m / Total Assets 492.8m)
Interest Expense / Debt = 2.25% (Interest Expense 200.0k / Debt 8.90m)
Taxrate = 25.92% (9.20m / 35.5m)
NOPAT = 36.8m (EBIT 49.7m * (1 - 25.92%))
Current Ratio = 3.70 (Total Current Assets 275.1m / Total Current Liabilities 74.4m)
Debt / Equity = 0.02 (Debt 8.90m / totalStockholderEquity, last quarter 402.4m)
Debt / EBITDA = -1.23 (Net Debt -120.6m / EBITDA 98.0m)
Debt / FCF = -1.31 (Net Debt -120.6m / FCF TTM 92.3m)
Total Stockholder Equity = 382.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 16.38% (Net Income 73.3m / Total Assets 492.8m)
RoE = 19.19% (Net Income TTM 73.3m / Total Stockholder Equity 382.1m)
RoCE = 12.79% (EBIT 49.7m / Capital Employed (Equity 382.1m + L.T.Debt 6.40m))
RoIC = 9.62% (NOPAT 36.8m / Invested Capital 382.7m)
WACC = 10.65% (E(916.6m)/V(925.5m) * Re(10.74%) + D(8.90m)/V(925.5m) * Rd(2.25%) * (1-Tc(0.26)))
Discount Rate = 10.74% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.26%
[DCF Debug] Terminal Value 69.59% ; FCFF base≈81.7m ; Y1≈84.3m ; Y5≈95.0m
Fair Price DCF = 29.56 (EV 1.09b - Net Debt -120.6m = Equity 1.21b / Shares 41.0m; r=10.65% [WACC]; 5y FCF grow 3.22% → 2.90% )
EPS Correlation: 52.58 | EPS CAGR: 110.3% | SUE: -1.03 | # QB: 0
Revenue Correlation: 88.34 | Revenue CAGR: 22.82% | SUE: 1.61 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.34 | Chg30d=+0.009 | Revisions Net=+1 | Analysts=1
EPS next Year (2026-12-31): EPS=1.48 | Chg30d=+0.218 | Revisions Net=+1 | Growth EPS=+23.0% | Growth Revenue=+7.9%
P/E Forward = 15.6495
P/S = 1.1529
P/B = 2.1774
Revenue TTM = 795.0m USD
EBIT TTM = 49.7m USD
EBITDA TTM = 98.0m USD
Long Term Debt = 6.40m USD (from capitalLeaseObligations, last fiscal year)
Short Term Debt = 4.80m USD (from shortTermDebt, last fiscal year)
Debt = 8.90m USD (from shortLongTermDebtTotal, last fiscal year)
Net Debt = -120.6m USD (from netDebt column, last quarter)
Enterprise Value = 804.9m USD (916.6m + Debt 8.90m - CCE 120.6m)
Interest Coverage Ratio = 71.0 (Ebit TTM 49.7m / Interest Expense TTM 700.0k)
EV/FCF = 8.72x (Enterprise Value 804.9m / FCF TTM 92.3m)
FCF Yield = 11.47% (FCF TTM 92.3m / Enterprise Value 804.9m)
FCF Margin = 11.61% (FCF TTM 92.3m / Revenue TTM 795.0m)
Net Margin = 9.22% (Net Income TTM 73.3m / Revenue TTM 795.0m)
Gross Margin = 91.60% ((Revenue TTM 795.0m - Cost of Revenue TTM 66.8m) / Revenue TTM)
Gross Margin QoQ = 92.89% (prev 91.12%)
Tobins Q-Ratio = 1.63 (Enterprise Value 804.9m / Total Assets 492.8m)
Interest Expense / Debt = 2.25% (Interest Expense 200.0k / Debt 8.90m)
Taxrate = 25.92% (9.20m / 35.5m)
NOPAT = 36.8m (EBIT 49.7m * (1 - 25.92%))
Current Ratio = 3.70 (Total Current Assets 275.1m / Total Current Liabilities 74.4m)
Debt / Equity = 0.02 (Debt 8.90m / totalStockholderEquity, last quarter 402.4m)
Debt / EBITDA = -1.23 (Net Debt -120.6m / EBITDA 98.0m)
Debt / FCF = -1.31 (Net Debt -120.6m / FCF TTM 92.3m)
Total Stockholder Equity = 382.1m (last 4 quarters mean from totalStockholderEquity)
RoA = 16.38% (Net Income 73.3m / Total Assets 492.8m)
RoE = 19.19% (Net Income TTM 73.3m / Total Stockholder Equity 382.1m)
RoCE = 12.79% (EBIT 49.7m / Capital Employed (Equity 382.1m + L.T.Debt 6.40m))
RoIC = 9.62% (NOPAT 36.8m / Invested Capital 382.7m)
WACC = 10.65% (E(916.6m)/V(925.5m) * Re(10.74%) + D(8.90m)/V(925.5m) * Rd(2.25%) * (1-Tc(0.26)))
Discount Rate = 10.74% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 33.33 | Cagr: 0.26%
[DCF Debug] Terminal Value 69.59% ; FCFF base≈81.7m ; Y1≈84.3m ; Y5≈95.0m
Fair Price DCF = 29.56 (EV 1.09b - Net Debt -120.6m = Equity 1.21b / Shares 41.0m; r=10.65% [WACC]; 5y FCF grow 3.22% → 2.90% )
EPS Correlation: 52.58 | EPS CAGR: 110.3% | SUE: -1.03 | # QB: 0
Revenue Correlation: 88.34 | Revenue CAGR: 22.82% | SUE: 1.61 | # QB: 1
EPS next Quarter (2026-03-31): EPS=0.34 | Chg30d=+0.009 | Revisions Net=+1 | Analysts=1
EPS next Year (2026-12-31): EPS=1.48 | Chg30d=+0.218 | Revisions Net=+1 | Growth EPS=+23.0% | Growth Revenue=+7.9%