NRDS

NerdWallet, Inc.

Fundamental data last updated:October 3, 2026

We may earn a commission from partner links. This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate.

company profile

SECTOR

Financial Services

industry

Financial - Credit Services

Exchange

NASDAQ

County of HQ

US

Next Earnings Date

Pending Announcement

Business Summary

NerdWallet, Inc. operates a digital platform that provides consumer-driven advice about personal finance by connecting individuals and small and mid-sized businesses with financial products providers. The company's platform offers guidance to consumers through educational content, tools and calculators, and product marketplaces, as well as NerdWallet app for various financial products, including credit cards, mortgages, insurance, SMB products, personal loans, banking, investing, and student loans. It serves customers in the United States, the United Kingdom, and Canada. The company was founded in 2009 and is based in San Francisco, California.

 


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VALUATION

P/E

8.48

Market Cap ($M USD)

$623.91M

Forward P/E

8.93

PEG

-1.79

PRICE TO SALES

0.73

PRICE TO BOOK

1.74

EV / EBITDA

4.07

5-Year Average P/E

Free Cash Flow Yield

20.98%

DCF Value

$38.02

Graham Number

$10.59

Price to FCF

4.77

EV to FCF

4.34

Earnings Yield

11.79%

FCF Yield

20.98%

DIVIDEND

Yield

0.00%

Annual Payout

$0.00

Payout Ratio

0.00%

Consecutive Years of Dividend Growth

5-Year Dividend Growth Rate

Financial Health & Profitability

Earnings Per Share

$1.01

Next Year EPS Growth Estimate

$0.96

Next Year Revenue Growth Estimate

$1.06B

Return on Equity (ROE)

18.34%

FREE CASH FLOW

Operating Margin

10.95%

Debt-to-Equity

0.00

Piotroski F-Score

7

Altman Z-Score

6.17

Return on Invested Capital (ROIC)

26.44%

Current Ratio

2.57

Quick Ratio

2.57

Net Debt to EBITDA

-0.40

Interest Coverage

132.86

Gross Profit margin

93.04%

FCF PER SHARE

$1.92

REVENUE PER SHARE

$12.46

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Gainseekers Quantitative Analysis

Summary

NerdWallet, Inc. appears to be significantly undervalued based on its DCF Value and Graham Number, suggesting the market may be overlooking its intrinsic worth. With a Forward P/E of 6.67 and an Earnings Yield of 11.06%, the stock offers a compelling valuation for growth-oriented investors. The Altman Z-score of 6.46 indicates robust financial health, minimizing bankruptcy risk. This combination of low valuation multiples and strong financial stability positions the company as a potential deep value play.

AI Exposure / Tech Reliance

Operating within the Financial - Credit Services industry, NerdWallet is well-positioned to leverage AI and modern technology to enhance its service offerings. The sector's reliance on data analytics and personalized financial advice aligns seamlessly with AI advancements. This adaptability could drive future growth and resilience in a rapidly evolving tech landscape.

The Bull Case

For value and GARP investors, NerdWallet presents an enticing opportunity. The company boasts a remarkable ROIC of 26.07%, indicating efficient capital allocation and strong profitability. A Piotroski F-Score of 7 further underscores its solid financial footing. With a Free Cash Flow Yield of 19.68% and a Gross Profit Margin of 93.04%, NerdWallet demonstrates significant pricing power and operational efficiency, making it a compelling buy.

The Bear Case

Despite its strengths, NerdWallet faces challenges with its Price/Book ratio of 1.85 and Price/Sales ratio of 0.78, which may suggest overvaluation relative to its book and sales value. The stock's recent pricing has also indicated it was extended above its 50-Day SMA, raising concerns about potential technical overextension. While the company has no debt, the lack of dividend yield and payout ratio could deter income-focused investors.

Market Sentiment & Smart Money

Short Interest %

Analyst Consensus

Buy

Average Analyst Price Target

$13.33

Institutional Ownership %

1-Year Beta

1.34

Insider Buying % (6 Mo)

Distance to 52-Week High

89.50%

Distance to 52-Week Low

14.47%

EARNINGS SURPRISE %

16.00%

50-DAY SMA

$9.92

200-DAY SMA

$11.44

⚠️ Financial Disclaimer:
This content is for informational purposes only and is not financial advice. Information may be delayed or inaccurate. We may earn a commission from partner links.