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Upturn AI SWOT - About
NRDS 
Nerdwallet Inc (NRDS)
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Upturn Advisory Summary
10/15/2025: NRDS (1-star) is a SELL. SELL since 4 days. Simulated Profits (-7.30%). Updated daily EoD!
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
7 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $14.5
1 Year Target Price $14.5
| 4 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -33.4% | Avg. Invested days 36 | Today’s Advisory SELL |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 10/15/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 818.52M USD | Price to earnings Ratio 17.95 | 1Y Target Price 14.5 |
Price to earnings Ratio 17.95 | 1Y Target Price 14.5 | ||
Volume (30-day avg) 7 | Beta 1.44 | 52 Weeks Range 7.55 - 16.45 | Updated Date 10/17/2025 |
52 Weeks Range 7.55 - 16.45 | Updated Date 10/17/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.6 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 6.11% | Operating Margin (TTM) 5.73% |
Management Effectiveness
Return on Assets (TTM) 4.84% | Return on Equity (TTM) 12.24% |
Valuation
Trailing PE 17.95 | Forward PE 16.08 | Enterprise Value 771081169 | Price to Sales(TTM) 1.06 |
Enterprise Value 771081169 | Price to Sales(TTM) 1.06 | ||
Enterprise Value to Revenue 1 | Enterprise Value to EBITDA 10.78 | Shares Outstanding 44314455 | Shares Floating 31968685 |
Shares Outstanding 44314455 | Shares Floating 31968685 | ||
Percent Insiders 4.12 | Percent Institutions 74.79 |
Upturn AI SWOT
Nerdwallet Inc
Company Overview
History and Background
NerdWallet was founded in 2009 by Tim Chen and Jake Gibson. Initially a resource for comparing credit cards, it evolved into a platform offering advice on a wide range of personal finance topics, including banking, investing, mortgages, insurance, and student loans. It went public in 2021.
Core Business Areas
- Credit Cards: Provides comparison tools and advice for consumers to choose the right credit card based on their needs and credit profile.
- Banking: Offers information and comparison tools for various banking products such as checking accounts, savings accounts, and CDs.
- Investing: Provides guides, reviews, and comparison tools for brokerage accounts and robo-advisors.
- Loans: Offers comparison tools and information for various types of loans, including personal loans, mortgages, student loans, and auto loans.
- Insurance: Provides comparison tools and advice for various types of insurance, including auto, home, and life insurance.
Leadership and Structure
Tim Chen is the CEO. The company has a typical corporate structure with departments focused on product development, engineering, marketing, sales, and finance.
Top Products and Market Share
Key Offerings
- Credit Cards Comparison Tool: A tool that allows users to compare different credit cards based on features, rewards, and fees. Competition includes Credit Karma (INTU), Bankrate, and Experian. Market share data specific to this tool is not publicly available.
- Mortgage Rate Comparison Tool: Allows users to compare mortgage rates from different lenders. Competitors include Zillow (ZG), LendingTree (TREE), and Bankrate. Market share data specific to this tool is not publicly available.
- Personal Loan Comparison Tool: Allows users to compare personal loan rates and terms from different lenders. Competitors include LendingTree (TREE), Credit Karma (INTU), and Upstart (UPST). Market share data specific to this tool is not publicly available.
Market Dynamics
Industry Overview
The personal finance industry is highly competitive and rapidly evolving, driven by technological advancements and changing consumer needs. Key trends include increased demand for online financial advice and comparison tools.
Positioning
NerdWallet positions itself as a trusted and unbiased source of financial information, offering free tools and advice to help consumers make informed decisions. Its competitive advantage lies in its comprehensive content and user-friendly platform.
Total Addressable Market (TAM)
The TAM for online personal finance advice and comparison tools is estimated to be in the billions of dollars annually. NerdWallet is positioned to capture a significant share of this market by expanding its product offerings and user base.
Upturn SWOT Analysis
Strengths
- Strong brand reputation
- Comprehensive content and resources
- User-friendly platform
- Diversified revenue streams
- Data-driven approach
Weaknesses
- Reliance on partnerships for revenue
- Competition from larger players
- Vulnerability to changes in search engine algorithms
- Dependence on advertising revenue
Opportunities
- Expansion into new financial products and services
- Increased adoption of mobile technology
- Growing demand for personalized financial advice
- Partnerships with financial institutions
- International expansion
Threats
- Increased competition from established players and startups
- Changes in regulations affecting the financial industry
- Economic downturn impacting consumer spending
- Data security breaches
- Shifting consumer preferences
Competitors and Market Share
Key Competitors
- TREE
- INTU
- RATE
Competitive Landscape
NerdWallet faces competition from established players like LendingTree, Intuit (Credit Karma), and Bankrate, as well as emerging startups. Its strength lies in its brand recognition and comprehensive content, while its weakness is its reliance on partnerships for revenue.
Major Acquisitions
On the Barrelhead
- Year: 2020
- Acquisition Price (USD millions): 0.5
- Strategic Rationale: Expansion into personal finance content creation and expertise.
Growth Trajectory and Initiatives
Historical Growth: Analysis not available due to constraints in real-time data access.
Future Projections: Analysis not available due to constraints in real-time data access.
Recent Initiatives: NerdWallet has been focused on expanding its product offerings, investing in technology, and building brand awareness through marketing campaigns.
Summary
NerdWallet is a recognized player in the personal finance space, leveraging a comprehensive platform and strong brand to assist consumers. Key strengths include its data-driven approach and user-friendly interface. They must navigate increasing competition and reliance on partnerships. Expansion into new products and services is crucial for sustained growth and stability.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Publicly available financial reports, industry analysis, and news articles.
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share estimates are approximate and may vary depending on the source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Nerdwallet Inc
Exchange NASDAQ | Headquaters San Francisco, CA, United States | ||
IPO Launch date 2021-11-04 | Co-founder, Chairman & CEO Mr. Tim Chen | ||
Sector Communication Services | Industry Internet Content & Information | Full time employees 650 | Website https://www.nerdwallet.com |
Full time employees 650 | Website https://www.nerdwallet.com | ||
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. The company's NerdWallet app delivers various financial products, such as credit cards, mortgages, insurance, SMB products, personal loans, banking, investing, and student loans. It also provides guidance to consumers through educational content, tools and calculators, and product marketplaces. NerdWallet, Inc. was founded in 2009 and is based in San Francisco, California.
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