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NERDWALLET, INC.

NRDS

$9.91 ▼ -0.03 (-0.30%) at close

8 Visible periods

31 Metrics

Peer-ranked Benchmarks

Price Chart

Health

Good

Bullish

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Analytical Summary

NERDWALLET, INC. shows strong fundamentals with top-quartile Return on Common Equity (%). The company's metrics support a bullish outlook for growth-oriented investors.

Market Cap $736.3M

Dividend Yield —

Revenue Growth 21.7% ↗

Op. Margin 7.8% ↗

ROIC 12.4% ↘

FCF / Share $1.75 ↗

Trailing P/E 15.0x

Price / Book 1.9x

FCF Yield 17.7%

Debt / Equity —

info Valuation on last close. End-of-day price, Aug 7, 2026.

8-Year Financial Trajectory

Annual

Metric Value Trend Year over Year Percentile

Revenue Total top-line sales

$836.60M

↑ +21.7% —

Net Income Profit after all expenses

$48.70M

↑ +60.2% —

Operating Margin Operating profit as % of sales

7.8%

↑ +470.1% 51th

FCF / Share Free cash flow per share

$1.75

↑ +88.4% —

Long-Term Debt Long-term obligations

$0.00

↓ -100.0% —

trending_up

Bullish Indicators

Return on Common Equity (%)Return on Common Equity (%) is in the top quartile

warning

Bearish Risks

No bearish risks detected.

Health Breakdown

Profitability ↑

Returns

Financial Health

Cash Quality

Financial view

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📈 Is growth accelerating? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	21.7% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+81%)	14.7% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+23%)	11.2% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-6%)	42.0% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+250%)	54.7% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+356%)	7.4% Fair Fair Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-38%)	—	—
EPS Growth YoY (%)	65.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	N/M	-7.1% Weak ↓ Weak Declining Year-over-year change in earnings per share Optimal: > 10%	82.9% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	N/M	-78.9% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	—
Net Income Growth YoY (%)	60.2% Excellent ↑ Excellent Improving Year-over-year change in net income	N/M	-15.7% Weak ↓ Weak Declining Year-over-year change in net income	76.0% Excellent Excellent Year-over-year change in net income	N/M	-78.1% Weak Weak Year-over-year change in net income	—	—
FCF Growth YoY (%)	88.4% Excellent ↓ Excellent Declining Year-over-year change in free cash flow	-0.0% Weak ↓ Weak Declining Year-over-year change in free cash flow	222.2% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	206.1% Excellent ↑ Excellent Improving Year-over-year change in free cash flow	-70.3% Weak Weak Year-over-year change in free cash flow	-56.4% Weak Weak Year-over-year change in free cash flow	—	—
Revenue CAGR 3Y (%)	15.8% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	21.9% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	34.7% Excellent Excellent Compound annual revenue growth over 3 years	33.1% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—
Revenue CAGR 5Y (%)	27.8% Excellent Excellent Compound annual revenue growth over 5 years	24.7% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	7.8% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	1.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	0.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-97%)	-3.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-118%)	-10.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-151%)	0.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-96%)	12.4% Fair Fair Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-38%)	—
Effective Tax Rate (%) (%)	28.6% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-508.0% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	287.3% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	49.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-12.7% Excellent ↑ Excellent Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-488.9% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	13.3% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—
Profit Margin (%) (%)	5.8% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-61%)	4.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	-2.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-113%)	-1.9% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-113%)	-11.2% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-175%)	2.2% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-86%)	10.6% Fair Fair Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-29%)	—
FCF Margin (%) (%)	15.6% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	10.4% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	11.9% Fair ↑ Fair Improving Free cash flow as a percentage of revenue Optimal: > 10%	3.8% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	1.3% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	5.7% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	13.4% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	—
FCF / Net Income (x)	2.68x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	2.34x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	-6.05x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-2.00x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-0.12x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	2.66x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	1.27x Good Good Free cash flow relative to reported net income Optimal: > 1x	—

🎯 Is capital allocation efficient? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%)	12.4% Good ↑ Good Improving Return earned on debt + equity capital invested Optimal: > 10%	15.7% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	-1.8% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-2.8% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-17.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	9.9% Fair Fair Return earned on debt + equity capital invested Optimal: > 10%	307.9% Excellent Excellent Return earned on debt + equity capital invested Optimal: > 10%	—
Return on Capital (%) (%)	14.1% Good ↑ Good Improving Operating profit relative to total assets Optimal: > 10%	2.1% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.9% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-4.5% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-10.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	0.7% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—
Return on Common Equity (%) (%)	13.0% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-30%)	8.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-55%)	-3.2% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-117%)	-3.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-116%)	-16.5% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-189%)	6.4% Caution Caution Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-65%)	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Debt to Equity (x)	—	—	—	—	0.00x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-100%)	0.37x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-19%)	—	—
Interest Coverage (x)	217.33x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	31.33x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	4.50x Fair ↑ Fair Improving Operating income divided by interest expense Optimal: > 5x	-7.60x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-30.00x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	1.73x Caution Caution Operating income divided by interest expense Optimal: > 5x	25.82x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	—
Net Debt (USD)	$-98.30M	$-66.30M	$-100.40M	$-83.90M	$-167.80M	$-53.20M	—	—
Debt / EBITDA (x)	—	—	—	—	0.00x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	1.78x Good Good Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—

📊 What does each share earn? 6 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$11.26	$8.99	$7.81	$7.63	$7.31	$5.54	$5.42	—
Basic EPS, GAAP (USD)	$0.66	$0.40	$-0.15	$-0.14	$-0.82	$0.12	$0.57	—
Free Cash Flow per Share (USD)	$1.75	$0.93	$0.93	$0.29	$0.09	$0.32	$0.73	—
Book Value per Share (USD)	$5.25	$4.91	$4.77	$4.55	$3.86	$1.69	$0.19	—
Tangible Book Value per Share (USD)	$3.52	$3.40	$3.32	$3.07	$3.20	$0.80	$0.18	—
Basic Weighted Avg Shares (shares)	74.30M	76.50M	76.70M	70.60M	51.90M	44.30M	42.10M	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Working Capital (USD)	$173.80M	$136.60M	$161.10M	$116.80M	$177.00M	$105.40M	—	—
LT Debt (USD)	—	—	—	—	$0.00	$30.20M	—	—
Total Equity (USD)	$374.50M	$364.20M	$366.90M	$341.70M	$257.60M	$82.70M	$8.00M	$-20.20M

📋 What is driving earnings? 4 metrics

Metric	FY 2025 Dec 31, 2025 10-K ↗	FY 2024 Dec 31, 2024 10-K ↗	FY 2023 Dec 31, 2023 10-K ↗	FY 2022 Dec 31, 2022 10-K ↗	FY 2021 Dec 31, 2021 10-K ↗	FY 2020 Dec 31, 2020 10-K ↗	FY 2019 Dec 31, 2019 10-K ↗	FY 2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$836.60M	$687.60M	$599.40M	$538.90M	$379.60M	$245.30M	$228.30M	—
Depreciation Expense (USD)	$46.40M	$48.40M	$48.20M	$37.00M	$27.10M	$15.10M	$9.40M	—
Net Income, GAAP (USD)	$48.70M	$30.40M	$-11.80M	$-10.20M	$-42.50M	$5.30M	$24.20M	—
Operating Cash Flow (USD)	$131.60M	$71.80M	$72.10M	$25.00M	$7.20M	$15.40M	$31.40M	—

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bar_chart Data from SEC EDGAR XBRL filings

Synced 1 week ago 8 years · 24 quarters

NERDWALLET, INC.

Analytical Summary

8-Year Financial Trajectory

Bullish Indicators

Bearish Risks

Health Breakdown

Statement lens

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