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NRDS 
Nerdwallet Inc (NRDS)
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Upturn Advisory Summary
12/05/2025: NRDS (1-star) has a low Upturn Star Rating. Not recommended to BUY.
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 $16.17
1 Year Target Price $16.17
| 4 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -11.18% | Avg. Invested days 35 | Today’s Advisory Consider higher Upturn Star rating |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 12/05/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 1.17B USD | Price to earnings Ratio 16.41 | 1Y Target Price 16.17 |
Price to earnings Ratio 16.41 | 1Y Target Price 16.17 | ||
Volume (30-day avg) 7 | Beta 1.43 | 52 Weeks Range 7.55 - 16.24 | Updated Date 12/6/2025 |
52 Weeks Range 7.55 - 16.24 | Updated Date 12/6/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.94 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 9.22% | Operating Margin (TTM) 15.99% |
Management Effectiveness
Return on Assets (TTM) 7.95% | Return on Equity (TTM) 20.23% |
Valuation
Trailing PE 16.41 | Forward PE 20.2 | Enterprise Value 1071090725 | Price to Sales(TTM) 1.48 |
Enterprise Value 1071090725 | Price to Sales(TTM) 1.48 | ||
Enterprise Value to Revenue 1.35 | Enterprise Value to EBITDA 10.93 | Shares Outstanding 41027578 | Shares Floating 30186897 |
Shares Outstanding 41027578 | Shares Floating 30186897 | ||
Percent Insiders 4.45 | Percent Institutions 78.08 |
Upturn AI SWOT
Nerdwallet Inc
Company Overview
History and Background
NerdWallet was founded in 2009 by Tim Chen and Jake Gibson. Initially started as a resource for comparing credit cards, it has evolved into a comprehensive personal finance website and app.
Core Business Areas
- Credit Cards: Offers comparison tools and educational content for various credit cards, helping users find the best card for their needs.
- Loans: Provides comparison tools for mortgages, student loans, personal loans, and auto loans.
- Banking: Offers information and comparison tools for checking accounts, savings accounts, and CDs.
- Investing: Provides information and educational content on investing, including brokerage accounts, retirement accounts, and robo-advisors.
- Insurance: Offers comparison tools for auto insurance, home insurance, and life insurance.
Leadership and Structure
Tim Chen serves as the CEO. The company operates with a functional organizational structure, divided into teams focusing on different aspects of personal finance.
Top Products and Market Share
Key Offerings
- Credit Card Comparison: NerdWallet's flagship product, providing a platform to compare credit cards based on rewards, APR, fees, and other factors. Competitors include Credit Karma, Bankrate, and Experian. Market share for the direct credit card comparison market is fragmented.
- Mortgage Rate Comparison: Allows users to compare mortgage rates from different lenders. Competitors include Zillow, LendingTree, and Bankrate. Market share data is spread among major players.
- Personal Loan Comparison: Facilitates the comparison of personal loans for various purposes. Competitors include LendingTree, Credit Karma, and SoFi. Market share data changes rapidly due to the dynamic nature of digital lending.
Market Dynamics
Industry Overview
The personal finance industry is experiencing rapid growth, driven by increasing consumer demand for online financial advice and comparison tools. The industry is highly competitive, with numerous players vying for market share.
Positioning
NerdWallet positions itself as a trusted source of unbiased financial advice and comparison tools. Its competitive advantages include a strong brand reputation, comprehensive content, and a user-friendly platform.
Total Addressable Market (TAM)
The total addressable market for online personal finance is estimated to be in the hundreds of billions of dollars globally. NerdWallet is positioned to capture a portion of this market by providing valuable services to consumers.
Upturn SWOT Analysis
Strengths
- Strong Brand Recognition
- Comprehensive Content Offering
- User-Friendly Platform
- Data Driven Decision Making
- Established Partnerships
Weaknesses
- Dependence on Advertising Revenue
- Limited International Presence
- Sensitivity to Economic Downturns
- Brand awareness can be improved further.
Opportunities
- Expansion into New Financial Products and Services
- International Expansion
- Increased Mobile Adoption
- Leveraging AI for personalized advice
Threats
- Increased Competition
- Changes in Regulations
- Economic Downturns
- Data Security Breaches
Competitors and Market Share
Key Competitors
- LendingTree (TREE)
- Upstart (UPST)
- SoFi Technologies (SOFI)
Competitive Landscape
NerdWallet competes with other personal finance websites, comparison shopping sites, and financial institutions. Its strengths include brand recognition and a comprehensive content offering, while its weaknesses include reliance on advertising revenue.
Major Acquisitions
OnTrajectory
- Year: 2021
- Acquisition Price (USD millions): 0
- Strategic Rationale: To enhance NerdWallet's financial planning capabilities.
Growth Trajectory and Initiatives
Historical Growth: Historical growth rates can be calculated as the company performs.
Future Projections: Future projections of growth can be updated when data is available.
Recent Initiatives: Recent initiatives may include product launches, partnerships, and acquisitions.
Summary
NerdWallet is a recognizable brand providing consumers with information regarding personal finance. The company has good financials, however, is dependent on advertising revenue. The company needs to look out for increased competition and changes in regulations, but could also benefit from international expansion and leveraging AI.
Similar Stocks
Sources and Disclaimers
Data Sources:
- NerdWallet Investor Relations
- Company Filings (SEC)
- Third-Party Financial Data Providers
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and should not be considered financial advice. Market share data is estimated and may vary.
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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