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Upturn AI SWOT - About
NRDS 
Nerdwallet Inc (NRDS)
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Stock price based on last close (see disclosures)
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Upturn Advisory Summary
08/14/2025: NRDS (1-star) is currently NOT-A-BUY. Pass it for now.
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 -28.15% | Avg. Invested days 41 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 08/14/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 785.84M USD | Price to earnings Ratio 17.23 | 1Y Target Price 14.5 |
Price to earnings Ratio 17.23 | 1Y Target Price 14.5 | ||
Volume (30-day avg) 7 | Beta 1.45 | 52 Weeks Range 7.55 - 16.45 | Updated Date 08/15/2025 |
52 Weeks Range 7.55 - 16.45 | Updated Date 08/15/2025 | ||
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 2025-07-29 | When Before Market | Estimate 0.116 | Actual 0.1332 |
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 17.23 | Forward PE 30.4 | Enterprise Value 726241105 | Price to Sales(TTM) 1.02 |
Enterprise Value 726241105 | Price to Sales(TTM) 1.02 | ||
Enterprise Value to Revenue 0.94 | Enterprise Value to EBITDA 10.16 | Shares Outstanding 44314500 | Shares Floating 31974765 |
Shares Outstanding 44314500 | Shares Floating 31974765 | ||
Percent Insiders 4.22 | Percent Institutions 75.48 |
Upturn AI SWOT
Nerdwallet Inc
Company Overview
History and Background
NerdWallet was founded in 2009 by Tim Chen and Jake Gibson. Initially a free online tool to help consumers make better credit card decisions, it evolved into a platform providing financial advice across various categories, including insurance, investing, mortgages, and personal loans. NerdWallet went public in 2021.
Core Business Areas
- Credit Cards: Provides comparison tools, reviews, and educational content related to credit cards, helping users choose the best cards for their needs and financial situations.
- Banking: Offers information and comparison tools for various banking products like checking accounts, savings accounts, and CDs, enabling users to find the most suitable options based on their requirements.
- Loans: Presents comparison tools and resources for different types of loans, including personal loans, mortgages, student loans, and auto loans, assisting users in making informed borrowing decisions.
- Investing: Offers guidance and resources for investing, including brokerage account comparisons, robo-advisor reviews, and educational content on investment strategies.
- Insurance: Provides comparison tools and educational resources for insurance products, helping users find the best coverage options for auto, home, and life insurance.
Leadership and Structure
Tim Chen is the CEO and co-founder. The company has a typical corporate structure with departments like Engineering, Marketing, Finance, Product and Sales, reporting to the CEO and other C-level executives.
Top Products and Market Share
Key Offerings
- Credit Card Comparison Tool: Allows users to compare different credit cards based on features like rewards, interest rates, and fees. Market share data is not publicly available, but it is a core offering that generates revenue through affiliate marketing and advertising. Competitors include Credit Karma, Bankrate, and Experian.
- Mortgage Rate Comparison Tool: Helps users find the best mortgage rates and lenders. Market share data is not publicly available, but it contributes significantly to NerdWallet's revenue. Competitors include Zillow, LendingTree, and Quicken Loans (Rocket Mortgage).
- Personal Loan Comparison Tool: Enables users to compare offers from multiple personal loan lenders. Market share data is not publicly available but is a core driver of growth. Competitors include LendingClub, Upstart, and SoFi.
Market Dynamics
Industry Overview
The financial services comparison industry is highly competitive and rapidly evolving, driven by consumer demand for accessible and personalized financial advice. Digital platforms are increasingly important, and regulatory changes can significantly impact the landscape.
Positioning
NerdWallet positions itself as a trusted source of unbiased financial advice and comparison tools. Its competitive advantage lies in its comprehensive content, user-friendly platform, and brand reputation for objectivity.
Total Addressable Market (TAM)
The TAM for digital financial guidance and comparison is estimated to be in the billions of dollars annually. NerdWallet's current market share represents a portion of this TAM, with significant room for growth.
Upturn SWOT Analysis
Strengths
- Strong brand reputation and trust
- Comprehensive and unbiased content
- User-friendly platform
- Diverse revenue streams
- Experienced management team
Weaknesses
- Reliance on affiliate marketing revenue
- Dependence on third-party data and partnerships
- Vulnerability to changes in search engine algorithms
- Competition from larger, more established players
- Marketing expenses can be high
Opportunities
- Expanding into new financial product categories
- Increasing user engagement and retention
- Leveraging data analytics to personalize recommendations
- Acquiring complementary businesses
- International expansion
Threats
- Increased competition from existing and new players
- Changes in regulations affecting financial products
- Economic downturn impacting consumer spending
- Data security breaches and privacy concerns
- Shifting consumer preferences and technological advancements
Competitors and Market Share
Key Competitors
- LendingTree (TREE)
- Credit Karma (INTU)
- Bankrate (RDNT)
- The Motley Fool (TMFO)
Competitive Landscape
NerdWallet competes with a mix of established financial services companies and emerging fintech startups. Its strengths lie in its brand trust and unbiased content, while weaknesses include its reliance on affiliate marketing and competition for user attention.
Growth Trajectory and Initiatives
Historical Growth: Historical growth data should be queried dynamically from financial sources
Future Projections: Future growth projections should be queried dynamically from financial sources
Recent Initiatives: Recent initiatives include expanding its offerings in insurance, investing, and SMB products.
Summary
NerdWallet is a reputable financial comparison platform with strong brand recognition. Its comprehensive content and user-friendly interface are key strengths. However, reliance on affiliate revenue and intense competition present challenges. Future growth depends on expanding its offerings and maintaining user engagement.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings
- Industry Reports
- Analyst Estimates
- Company Press Releases
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Investment decisions should be based on thorough research and consultation with a qualified financial advisor.
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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