NERDWALLET INC-CL A (NRDS)
US64082B1026 - Common Stock
Overall NRDS gets a fundamental rating of 4 out of 10. We evaluated NRDS against 52 industry peers in the Consumer Finance industry. While NRDS has a great health rating, there are worries on its profitability. NRDS is valied quite expensively at the moment, while it does show a decent growth rate.
1. Profitability
1.1 Basic Checks
In the past year NRDS has reported negative net income.
In the past year NRDS had a positive cash flow from operations.
In multiple years NRDS reported negative net income over the last 5 years.
NRDS had a positive operating cash flow in each of the past 5 years.
1.2 Ratios
With a Return On Assets value of -2.61%, NRDS is not doing good in the industry: 82.35% of the companies in the same industry are doing better.
NRDS has a worse Return On Equity (-3.26%) than 78.43% of its industry peers.
NRDS's Return On Invested Capital of 1.58% is in line compared to the rest of the industry. NRDS outperforms 47.06% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.61% | ||
| ROE | -3.26% | ||
| ROIC | 1.58% |
ROA(3y)-5.63%
ROA(5y)0.39%
ROE(3y)-7.57%
ROE(5y)2.46%
ROIC(3y)N/A
ROIC(5y)N/A
1.3 Margins
The Operating Margin of NRDS (1.05%) is worse than 64.71% of its industry peers.
In the last couple of years the Operating Margin of NRDS has grown nicely.
Looking at the Gross Margin, with a value of 90.49%, NRDS belongs to the top of the industry, outperforming 84.31% of the companies in the same industry.
NRDS's Gross Margin has been stable in the last couple of years.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| OM | 1.05% | ||
| PM (TTM) | N/A | ||
| GM | 90.49% |
OM growth 3Y2.5%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.12%
GM growth 5YN/A
2. Health
2.1 Basic Checks
NRDS has a Return on Invested Capital (ROIC), which is below the Cost of Capital (WACC), which means it is destroying value.
The number of shares outstanding for NRDS has been increased compared to 1 year ago.
There is no outstanding debt for NRDS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
2.2 Solvency
An Altman-Z score of 8.86 indicates that NRDS is not in any danger for bankruptcy at the moment.
With an excellent Altman-Z score value of 8.86, NRDS belongs to the best of the industry, outperforming 98.04% of the companies in the same industry.
There is no outstanding debt for NRDS. This means it has a Debt/Equity and Debt/FCF ratio of 0 and it is amongst the best of the sector and industry.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Altman-Z | 8.86 |
ROIC/WACC0.17
WACC9.24%
2.3 Liquidity
NRDS has a Current Ratio of 2.91. This indicates that NRDS is financially healthy and has no problem in meeting its short term obligations.
The Current ratio of NRDS (2.91) is better than 78.43% of its industry peers.
A Quick Ratio of 2.91 indicates that NRDS has no problem at all paying its short term obligations.
NRDS has a Quick ratio of 2.91. This is in the better half of the industry: NRDS outperforms 78.43% of its industry peers.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Current Ratio | 2.91 | ||
| Quick Ratio | 2.91 |
3. Growth
3.1 Past
The earnings per share for NRDS have decreased strongly by -200.00% in the last year.
Looking at the last year, NRDS shows a small growth in Revenue. The Revenue has grown by 4.90% in the last year.
Measured over the past years, NRDS shows a very strong growth in Revenue. The Revenue has been growing by 34.69% on average per year.
EPS 1Y (TTM)-200%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1000%
Revenue 1Y (TTM)4.9%
Revenue growth 3Y34.69%
Revenue growth 5YN/A
Sales Q2Q%25.2%
3.2 Future
Based on estimates for the next years, NRDS will show a very strong growth in Earnings Per Share. The EPS will grow by 98.19% on average per year.
The Revenue is expected to grow by 7.51% on average over the next years.
EPS Next Y41.71%
EPS Next 2Y128.16%
EPS Next 3Y98.19%
EPS Next 5YN/A
Revenue Next Year11.31%
Revenue Next 2Y12.1%
Revenue Next 3Y12.08%
Revenue Next 5Y7.51%
3.3 Evolution
The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
4. Valuation
4.1 Price/Earnings Ratio
The Price/Earnings Ratio is negative for NRDS. In the last year negative earnings were reported.
Based on the Price/Forward Earnings ratio of 32.20, the valuation of NRDS can be described as expensive.
NRDS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. NRDS is more expensive than 72.55% of the companies in the same industry.
NRDS is valuated rather expensively when we compare the Price/Forward Earnings ratio to 23.67, which is the current average of the S&P500 Index.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 32.2 |
4.2 Price Multiples
NRDS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. NRDS is cheaper than 60.78% of the companies in the same industry.
62.75% of the companies in the same industry are cheaper than NRDS, based on the Price/Free Cash Flow ratio.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| P/FCF | 16.13 | ||
| EV/EBITDA | 16.68 |
4.3 Compensation for Growth
NRDS's low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
NRDS's earnings are expected to grow with 98.19% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y128.16%
EPS Next 3Y98.19%
5. Dividend
5.1 Amount
No dividends for NRDS!.
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
NERDWALLET INC-CL A
NASDAQ:NRDS (1/6/2025, 6:48:23 PM)
After market: 14.45 0 (0%)14.45
+0.78 (+5.71%)
Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)
Earnings (Next)
Inst Owners72.73%
Inst Owner Change0%
Ins Owners5.64%
Ins Owner Change-0.24%
Market Cap1.06B
Analysts81.54
Price Target17.34 (20%)
Short Float %7.33%
Short Ratio3.97
Dividend
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Dividend Yield | N/A |
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)21.63%
Min EPS beat(2)-125.51%
Max EPS beat(2)168.76%
EPS beat(4)2
Avg EPS beat(4)-13.83%
Min EPS beat(4)-125.51%
Max EPS beat(4)168.76%
EPS beat(8)5
Avg EPS beat(8)-10.61%
EPS beat(12)7
Avg EPS beat(12)1.05%
EPS beat(16)N/A
Avg EPS beat(16)N/A
Revenue beat(2)1
Avg Revenue beat(2)4.46%
Min Revenue beat(2)-1.64%
Max Revenue beat(2)10.57%
Revenue beat(4)2
Avg Revenue beat(4)1.18%
Min Revenue beat(4)-5.3%
Max Revenue beat(4)10.57%
Revenue beat(8)4
Avg Revenue beat(8)1.28%
Revenue beat(12)8
Avg Revenue beat(12)2.48%
Revenue beat(16)N/A
Avg Revenue beat(16)N/A
PT rev (1m)0%
PT rev (3m)4.08%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-77.22%
EPS NY rev (1m)0%
EPS NY rev (3m)-900%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)10.23%
Revenue NY rev (1m)0%
Revenue NY rev (3m)5.14%
Valuation
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| PE | N/A | ||
| Fwd PE | 32.2 | ||
| P/S | 1.66 | ||
| P/FCF | 16.13 | ||
| P/OCF | 11.6 | ||
| P/B | 3.29 | ||
| P/tB | 6.1 | ||
| EV/EBITDA | 16.68 |
EPS(TTM)-0.03
EYN/A
EPS(NY)0.45
Fwd EY3.11%
FCF(TTM)0.9
FCFY6.2%
OCF(TTM)1.25
OCFY8.62%
SpS8.68
BVpS4.39
TBVpS2.37
PEG (NY)N/A
PEG (5Y)N/A
Profitability
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| ROA | -2.61% | ||
| ROE | -3.26% | ||
| ROCE | 1.99% | ||
| ROIC | 1.58% | ||
| ROICexc | 2% | ||
| ROICexgc | 4.57% | ||
| OM | 1.05% | ||
| PM (TTM) | N/A | ||
| GM | 90.49% | ||
| FCFM | 10.32% |
ROA(3y)-5.63%
ROA(5y)0.39%
ROE(3y)-7.57%
ROE(5y)2.46%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3Y13.22%
ROICexcg growth 5YN/A
ROICexc growth 3Y11.23%
ROICexc growth 5YN/A
OM growth 3Y2.5%
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y-0.12%
GM growth 5YN/A
F-Score5
Asset Turnover1.58
Health
| Industry Rank | Sector Rank | ||
|---|---|---|---|
| Debt/Equity | 0 | ||
| Debt/FCF | 0 | ||
| Debt/EBITDA | 0 | ||
| Cap/Depr | 52.24% | ||
| Cap/Sales | 4.03% | ||
| Interest Coverage | 22.33 | ||
| Cash Conversion | 163.69% | ||
| Profit Quality | N/A | ||
| Current Ratio | 2.91 | ||
| Quick Ratio | 2.91 | ||
| Altman-Z | 8.86 |
F-Score5
WACC9.24%
ROIC/WACC0.17
Cap/Depr(3y)77.7%
Cap/Depr(5y)102.88%
Cap/Sales(3y)5.65%
Cap/Sales(5y)6.21%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-200%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%1000%
EPS Next Y41.71%
EPS Next 2Y128.16%
EPS Next 3Y98.19%
EPS Next 5YN/A
Revenue 1Y (TTM)4.9%
Revenue growth 3Y34.69%
Revenue growth 5YN/A
Sales Q2Q%25.2%
Revenue Next Year11.31%
Revenue Next 2Y12.1%
Revenue Next 3Y12.08%
Revenue Next 5Y7.51%
EBIT growth 1Y-4.29%
EBIT growth 3Y38.06%
EBIT growth 5YN/A
EBIT Next Year1068.94%
EBIT Next 3Y166.3%
EBIT Next 5Y87.1%
FCF growth 1Y467.6%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y572.79%
OCF growth 3Y67.29%
OCF growth 5YN/A