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Company Analysis

NerdWallet, Inc. NRDS

A comprehensive view of key metrics, scores, and financial health for NerdWallet, Inc.

Overview of NerdWallet, Inc.

NRDS NGM
Communication Services Internet Content & Information Framework: Software & SaaS Small Cap
NerdWallet, Inc. (NRDS), is a Small Cap company, in the Internet Content & Information industry, last closed at $11.00, about 195.1% undervalued vs fair value, -8.2% 1Y return, ranked 106/271 in sector.
Metrics P/E 21.1× Rev Growth 21.7% ROE 13.2% Gross Margin 92.4%
USD 11.00
-1.61%
(Delayed)
• Vol 90d: 44.9%
52-Week Range
Market Cap
$703.15M
Enterprise Value
$611.75M
Overall Score
View breakdown
Overall
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Excellent
Valuation
Fair
Growth
Fair
Profitability
Good
Health
Fair
Efficiency
Excellent
Valuation
Fair
Completeness: 82%
Confidence: 92%
Updated: Oct 31
Top Beats

Quick Facts

Website https://www.nerdwallet.com
HQ San Mateo, CA
Employees 650
Fiscal year Dec 31

Next Events

Earnings Nov 5 Call: Nov 5

Fair Value Snapshot

Bear Base Bull
$29
$32
$36
Current: $11.00 +195% vs base

Engine Room Money Flow™

Small Cap

Software & SaaS - Where revenue goes and how value is created

Flow Steps
Total Revenue
$836.6M
21.7%%
Gross Profit
$772.9M
23.8%%
Operating Income (GAAP)
$65.2M
593.6%%
Operating Cash Flow
$131.6M
83.3%%
Money Flow Bridge
Flow Direction: Money moves from left to right
Components: Breakdown shows composition of each stage
Industry-Specific: Software & SaaS

Quality & Reliability Indicators

Gross Margin
92.4%

Gross Profit / Revenue — context only; ad platforms typically 60–80%, marketplaces and streaming lower by design

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Where It Leaks

Cash Flow Health some concerns
Moderate efficiency issues detected. Review active leaks below for improvement areas.
2
Active Leaks
2/2
Improving
0
High Impact
0
Critical
Locked Leak
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Moat Analysis Software & SaaS Specialized

Competitive Advantage Assessment

Evaluating NerdWallet, Inc.'s durable competitive advantages across 6 defense dimensions

Overall Moat Strength
74
/100
Moderate
Scores based on quantitative metrics and qualitative factors
Full moat analysis

Key strengths

  • Premium Software Margins Gross margin quality is strong versus peers (score 0.84), consistent with premium software economics.
  • Revenue Converts Cleanly to Cash Cash conversion is strong (score 0.72), showing scalable economics.

The dashed ring is the peer median. Defense scores are percentile ranks against peers, so 50 is roughly the typical company in this group.

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Pricing Power

Strong
80
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Signals, strengths and risks for Pricing Power

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Signals, strengths and risks for Recurring Revenue Stickiness

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Signals, strengths and risks for Innovation Engine

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Signals, strengths and risks for Cash Scalability

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Signals, strengths and risks for Capital Efficiency

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Signals, strengths and risks for Balance Sheet Resilience

Trade-Off Ledger™

Where management spends the performance budget - Growth, Profitability, or Safety

Software SaaS vs Industry Peers 96% Coverage
Trade-Off Triangle Visualization A ternary plot showing NRDS's balance between Growth (32.6%), Profitability (33.3%), and Safety (34.2%). Growth 33% Safety 34% Profitability 33%

Click axes to expand details. Marker shows current allocation.

3-Year Trend Analysis Locked
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Growth

74th percentile vs peers
74
Key Signals
Rev Growth YoY 21.7% 73p Def Rev Growth 39.2% 83p Revenue CAGR 3Y 15.8% 66p Buyback % -3.8% 87p EPS Growth YoY 66.5% 66p
Strengths
  • Def Rev Growth in top 20% of peers (39.2%, 83th percentile)
  • Gross Profit Margin in top 20% of peers (92.4%, 96th percentile)
  • Cash Flow to Debt Ratio in top 20% of peers (1.72, 80th percentile)
  • Interest Coverage Ratio in top 20% of peers (114.67, 93th percentile)
  • Superior capital returns - 2 return metrics above peer median
Risks

No significant risks identified for this axis.

Profitability

76th percentile vs peers
76
Key Signals
Strengths
Risks
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Safety

78th percentile vs peers
78
Key Signals
Strengths
Safety drilldowns are available to premium members.

Two Futures

Scenario-based fair value ranges for NerdWallet, Inc..

Loading valuation model...
Unable to Compute Fair Value

This company cannot be valued using standard models.

What this means: The Scenario Theatre requires financial data (revenue, cash flow, shares outstanding) to calculate fair value estimates. This data may be unavailable for:

  • Recently listed companies (IPOs, SPACs)
  • Shell companies or holding companies
  • Companies that haven't filed recent financials
  • Foreign companies with limited data coverage
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Bear
-
- - -
- upside
-
Base
$32.46
- - -
+195.1% vs current
Snapshot base estimate
Bull
-
- - -
- upside
-
Fair Value Range Current: $-
$- $- $-
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