YOLFTbeta
Nerdwallet Inc

Nerdwallet Inc

NRDS · NASDAQ · Communication Services / Internet Content & Information

7.46USD+0.15 (+2.05%)

Price History

Full chart

Market Stats

Previous Close7.31
Open7.25
Day Range7.25 – 7.69
52-Week Range7.33 – 16.24
Volume999.79K
Market Cap543.35M
P/E (TTM)9.44
Forward P/E8.12
EPS0.90
Dividend Yield0.00%
Beta1.24
50-Day Avg9.45
200-Day Avg10.39

About

NerdWallet, Inc. operates a digital platform that provides financial guidance to consumers and small and mid-sized businesses (SMB) in the United States, the United Kingdom, Australia, and Canada. It offers editorial and content publishing, a consumer and SMB financial education, tools, calculators, guides, and research published under the NerdWallet brand; Marketplace And Referral Services, a tool that enable users to compare, pre-qualify for, or connect with third-party providers of credit cards, consumer loans, small business loans, insurance, mortgages, financial services, and related products, as well as services including fundera, nerdwallet insurance services, nerdwallet advisory, and nerdwallet compare; and Financial Services, a brokerage and advisory services provided by insurance agency, loan and mortgage brokerages, and investment advisory subsidiaries. Additionally, the company provides finance and refinance facilities to students for education. NerdWallet, Inc. was founded in 2009 and is based in San Mateo, California.

Company Details

  • SectorCommunication Services
  • IndustryInternet Content & Information
  • CEOMr. Tim Chen
  • Employees650
  • Headquarters19 S. B Street, San Mateo, CA, United States, 94401, USA
  • Websitehttps://www.nerdwallet.com

Leadership

  • Mr. Tim ChenCo-founder, Chairman & CEO · b. 1983
  • Mr. Jun Hyung LeeChief Financial Officer · b. 1986
  • Mr. Nicholas TatumChief Accounting Officer · b. 1985
  • Mr. Zach OgleDirector of Corporate Finance
  • Caitlin MacNameeInvestor Relations Officer
  • Mr. Ekumene M. LysongeChief Legal Officer & Corporate Secretary · b. 1977
  • Mr. Chris HutchisonHead of Content
  • Mr. Robert BeaupreHead of Content
  • Ms. Kim LoweHead of Content
  • Ms. Jeanette MargleHead of Content

Financials

Income Statement

Currency: USD2019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Revenue228.30M245.30M379.60M538.90M599.40M687.60M836.60M
Growth (%)-+7.45%+54.75%+41.97%+11.23%+14.71%+21.67%
Cost of Revenue16.10M21.30M28.50M39.80M54.00M63.50M63.70M
Gross Profit212.20M224.00M351.10M499.10M545.40M624.10M772.90M
Gross Margin92.95%91.32%92.49%92.61%90.99%90.76%92.39%
Operating Expense183.80M222.10M390.10M518.10M541.80M614.70M703.30M
Operating Income28.40M1.90M-39.00M-19.00M3.60M9.40M69.60M
Operating Margin12.44%0.77%-10.27%-3.53%0.60%1.37%8.32%
EBITDA38.40M17.10M-1.40M19.50M55.30M54.10M116.00M
EBITDA Margin16.82%6.97%-0.37%3.62%9.23%7.87%13.87%
Net Income24.20M5.30M-42.50M-10.20M-11.80M30.40M48.70M
Net Income Margin10.60%2.16%-11.20%-1.89%-1.97%4.42%5.82%
R&D46.00M50.90M62.20M77.60M80.50M82.50M66.70M
R&D as % of Total Revenue20.15%20.75%16.39%14.40%13.43%12.00%7.97%
Interest Expense1.10M1.10M1.30M2.50M800.00K700.00K600.00K
Interest Expense % of Total Revenue0.48%0.45%0.34%0.46%0.13%0.10%0.07%

Balance Sheet

Currency: USD2019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Total Assets144.60M255.20M364.10M425.70M418.60M437.60M461.10M
Total Liabilities136.60M172.50M106.50M84.00M51.70M73.40M86.60M
Total Equity8.00M82.70M257.60M341.70M366.90M364.20M374.50M
Cash67.60M83.40M167.80M83.90M100.40M66.30M98.30M
Total Debt49.40M45.10M15.10M12.70M9.60M8.90M-
Net Debt-18.20M-38.30M-152.70M-71.20M-90.80M-57.40M-98.30M

Cash Flow

Currency: USD2019-12-312020-12-312021-12-312022-12-312023-12-312024-12-312025-12-31
Operating Cash Flow31.40M15.40M7.20M25.00M72.10M71.80M131.60M
Investing Cash Flow-14.80M-55.40M-23.00M-100.30M-29.50M-29.70M-33.30M
Financing Cash Flow-1.40M55.70M100.20M-8.40M-26.20M-76.50M-66.10M
Capital Expenditure14.80M18.70M23.00M32.20M29.50M600.00K1.30M
Free Cash Flow16.60M-3.30M-15.80M-7.20M42.60M71.20M130.30M
Dividends Paid-13.00M9.60M----
FCF to OCF52.87%-21.43%-219.44%-28.80%59.08%99.16%99.01%
Dividend Paid to FCF--393.94%-60.76%----

Earnings

Report DateMar 31, 2011Mar 31, 2020Jun 30, 2020Sep 30, 2020Mar 31, 2021Jun 30, 2021Sep 1, 2021Nov 5, 2021Feb 24, 2022May 3, 2022Aug 4, 2022Nov 2, 2022Feb 14, 2023May 2, 2023Aug 2, 2023Oct 26, 2023Feb 14, 2024Apr 25, 2024Jul 31, 2024Oct 29, 2024Feb 12, 2025May 6, 2025Aug 7, 2025Nov 6, 2025Feb 19, 2026May 6, 2026Aug 6, 2026Nov 5, 2026
EPS Estimate-0.000.000.000.000.00-0.28-0.14-0.19-0.12-0.03-0.030.230.120.120.140.100.010.080.220.110.010.110.320.170.420.080.35
EPS Actual0.000.12-0.120.13-0.13-0.14-0.28-0.09-0.13-0.16-0.080.050.150.04-0.120.01-0.010.01-0.100.040.540.020.110.350.150.310.07-
Surprise------0.00%35.71%31.58%-33.33%-166.67%266.67%-34.78%-66.67%-200.00%-92.86%-110.00%0.00%-225.00%-81.82%380.71%100.00%0.00%9.38%-12.91%-26.19%-12.50%-
Timing-------After-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursAfter-hoursPre-marketAfter-hoursAfter-hoursAfter-hours-After-hoursAfter-hoursAfter-hours

Key Statistics & Ratios

Market Cap543.35M
Enterprise Value432.08M
Trailing P/E9.44
Forward P/E8.12
Price / Sales0.63
Price / Book1.67
EPS0.90
Book Value5.10
Revenue (TTM)860.00M
Gross Profit (TTM)804.10M
EBITDA104.70M
Profit Margin7.56%
Operating Margin3.50%
Return on Equity18.16%
Return on Assets12.46%
Shares Outstanding32.24M
Shares Float27.32M
Beta1.24
Dividend Yield0.00%
Dividend Rate0.00
Payout Ratio0.00%

Analyst Ratings

Buy
Based on 7 analystsTarget 11.80
  • Strong Buy
    4
  • Buy
    1
  • Hold
    2

Ownership Breakdown

Institutions
89.23%
Insiders
5.83%
Retail / Other
4.94%

Top Institutional Holders

  • Topline Capital Management LLC
    3.29M5.15%
  • BlackRock Inc
    3.06M4.79%
  • Arrowstreet Capital Limited Partnership
    1.81M2.83%
  • Vanguard Portfolio Management, LLC
    1.45M2.26%
  • Dimensional Fund Advisors, Inc.
    1.43M2.24%
  • Vanguard Capital Management, LLC
    1.36M2.13%
  • Quinn Opportunity Partners LLC
    1.05M1.65%
  • Renaissance Technologies Corp
    1.00M1.57%
  • Geode Capital Management, LLC
    918.81K1.44%
  • State Street Corp
    905.27K1.42%
  • D. E. Shaw & Co LP
    813.81K1.27%
  • Jacobs Levy Equity Management, Inc.
    723.80K1.13%
  • Trexquant Investment LP
    623.17K0.97%
  • Jane Street Group LLC
    533.73K0.83%
  • OP Asset Management Ltd
    468.19K0.73%
  • FMR Inc
    468.03K0.73%
  • AQR Capital Management LLC
    400.25K0.63%

Top Fund Holders

  • Vanguard MStar Total Stk Mkt Idx Invest
    1.01M1.57%
  • iShares Russell 2000 ETF
    864.27K1.35%
  • Fidelity Enhanced Small Cap Core ETF
    649.04K1.02%