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NERDWALLET INC-CL A (NRDS) Stock Fundamental Analysis

NASDAQ:NRDS - Nasdaq - US64082B1026 - Common Stock - Currency: USD

10.33  -1.04 (-9.19%)

After market: 10.35 +0.02 (+0.19%)

Fundamental Rating

4

NRDS gets a fundamental rating of 4 out of 10. The analysis compared the fundamentals against 53 industry peers in the Consumer Finance industry. No worries on liquidiy or solvency for NRDS as it has an excellent financial health rating, but there are worries on the profitability. NRDS has a expensive valuation and it also scores bad on growth.


Dividend Valuation Growth Profitability Health

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3

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 the past 5 years NRDS reported 4 times negative net income.
Of the past 5 years NRDS 4 years had a positive operating cash flow.
NRDS Yearly Net Income VS EBIT VS OCF VS FCFNRDS Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2019 2020 2021 2022 2023 0 20M -20M 40M -40M 60M

1.2 Ratios

NRDS's Return On Assets of -2.61% is on the low side compared to the rest of the industry. NRDS is outperformed by 82.69% of its industry peers.
NRDS has a Return On Equity of -3.26%. This is in the lower half of the industry: NRDS underperforms 75.00% of its industry peers.
The Return On Invested Capital of NRDS (1.58%) is comparable to the rest of the industry.
Industry RankSector 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
NRDS Yearly ROA, ROE, ROICNRDS Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2019 2020 2021 2022 2023 0 10 -10 20 30

1.3 Margins

Looking at the Operating Margin, with a value of 1.05%, NRDS is doing worse than 63.46% of the companies in the same industry.
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 84.62% of the companies in the same industry.
In the last couple of years the Gross Margin of NRDS has remained more or less at the same level.
Industry RankSector 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
NRDS Yearly Profit, Operating, Gross MarginsNRDS Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2019 2020 2021 2022 2023 0 20 40 60 80

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8

2. Health

2.1 Basic Checks

With a Return on Invested Capital (ROIC) below the Cost of Capital (WACC), NRDS is destroying value.
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.
NRDS Yearly Shares OutstandingNRDS Yearly Shares OutstandingYearly Shares Outstanding 2019 2020 2021 2022 2023 20M 40M 60M
NRDS Yearly Total Debt VS Total AssetsNRDS Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2019 2020 2021 2022 2023 100M 200M 300M 400M

2.2 Solvency

NRDS has an Altman-Z score of 7.60. This indicates that NRDS is financially healthy and has little risk of bankruptcy at the moment.
The Altman-Z score of NRDS (7.60) is better than 98.08% of its industry peers.
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 RankSector Rank
Debt/Equity 0
Debt/FCF 0
Altman-Z 7.6
ROIC/WACC0.17
WACC9.14%
NRDS Yearly LT Debt VS Equity VS FCFNRDS Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2019 2020 2021 2022 2023 0 100M 200M 300M

2.3 Liquidity

A Current Ratio of 2.91 indicates that NRDS has no problem at all paying its short term obligations.
NRDS's Current ratio of 2.91 is fine compared to the rest of the industry. NRDS outperforms 73.08% of its industry peers.
NRDS has a Quick Ratio of 2.91. This indicates that NRDS is financially healthy and has no problem in meeting its short term obligations.
The Quick ratio of NRDS (2.91) is better than 75.00% of its industry peers.
Industry RankSector Rank
Current Ratio 2.91
Quick Ratio 2.91
NRDS Yearly Current Assets VS Current LiabilitesNRDS Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2019 2020 2021 2022 2023 50M 100M 150M 200M

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2

3. Growth

3.1 Past

NRDS shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 92.86%, which is quite impressive.
EPS 1Y (TTM)92.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%200%
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%37.47%

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 757.73% on average per year.
Based on estimates for the next years, NRDS will show a small growth in Revenue. The Revenue will grow by 6.25% on average per year.
EPS Next Y3891.03%
EPS Next 2Y757.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue Next Year13.1%
Revenue Next 2Y12.46%
Revenue Next 3Y7.01%
Revenue Next 5Y6.25%

3.3 Evolution

NRDS Yearly Revenue VS EstimatesNRDS Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 200M 400M 600M 800M 1B
NRDS Yearly EPS VS EstimatesNRDS Yearly EPS VS EstimatesYearly EPS VS Estimates 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028 2029 2030 2031 2032 0 0.5 -0.5

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3

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for NRDS. In the last year negative earnings were reported.
With a Price/Forward Earnings ratio of 27.25, NRDS can be considered very expensive at the moment.
NRDS's Price/Forward Earnings ratio is a bit more expensive when compared to the industry. NRDS is more expensive than 71.15% of the companies in the same industry.
The average S&P500 Price/Forward Earnings ratio is at 22.68. NRDS is valued slightly more expensive when compared to this.
Industry RankSector Rank
PE N/A
Fwd PE 27.25
NRDS Price Earnings VS Forward Price EarningsNRDS Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 -200 -400 -600 -800 -1K

4.2 Price Multiples

NRDS's Enterprise Value to EBITDA ratio is a bit cheaper when compared to the industry. NRDS is cheaper than 69.23% of the companies in the same industry.
Compared to the rest of the industry, the Price/Free Cash Flow ratio of NRDS is on the same level as its industry peers.
Industry RankSector Rank
P/FCF 11.53
EV/EBITDA 13.66
NRDS Per share dataNRDS EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 4 6 8

4.3 Compensation for Growth

The low PEG Ratio(NY), which compensates the Price/Earnings for growth, indicates a rather cheap valuation of the company.
A more expensive valuation may be justified as NRDS's earnings are expected to grow with 757.73% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y757.73%
EPS Next 3YN/A

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0

5. Dividend

5.1 Amount

NRDS does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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NERDWALLET INC-CL A

NASDAQ:NRDS (2/21/2025, 8:00:01 PM)

After market: 10.35 +0.02 (+0.19%)

10.33

-1.04 (-9.19%)

Chartmill FA Rating
GICS SectorFinancials
GICS IndustryGroupFinancial Services
GICS IndustryConsumer Finance
Earnings (Last)02-19 2025-02-19/amc
Earnings (Next)04-23 2025-04-23/amc
Inst Owners72.73%
Inst Owner Change26.83%
Ins Owners5.64%
Ins Owner Change-0.24%
Market Cap758.64M
Analysts81.54
Price Target17.34 (67.86%)
Short Float %6.75%
Short Ratio6.58
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/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)6.25%
EPS NQ rev (1m)0%
EPS NQ rev (3m)0%
EPS NY rev (1m)0%
EPS NY rev (3m)0%
Revenue NQ rev (1m)0.01%
Revenue NQ rev (3m)0.01%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE 27.25
P/S 1.19
P/FCF 11.53
P/OCF 8.29
P/B 2.35
P/tB 4.36
EV/EBITDA 13.66
EPS(TTM)-0.01
EYN/A
EPS(NY)0.38
Fwd EY3.67%
FCF(TTM)0.9
FCFY8.67%
OCF(TTM)1.25
OCFY12.06%
SpS8.68
BVpS4.39
TBVpS2.37
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector 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 RankSector 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 7.6
F-Score5
WACC9.14%
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)92.86%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%200%
EPS Next Y3891.03%
EPS Next 2Y757.73%
EPS Next 3YN/A
EPS Next 5YN/A
Revenue 1Y (TTM)N/A
Revenue growth 3YN/A
Revenue growth 5YN/A
Sales Q2Q%37.47%
Revenue Next Year13.1%
Revenue Next 2Y12.46%
Revenue Next 3Y7.01%
Revenue Next 5Y6.25%
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