Home 
Today's Top Picks 
Top Performers 
Watchlist 
My Robo Portfolios 
ETF Zone 
Help & Tutorial 
Cancel anytime
- Chart
- Upturn Summary
- Highlights
- Revenue
- Valuation
- Analyst Ratings
Upturn AI SWOT - About
NRDS 
Nerdwallet Inc (NRDS)
- BUY Advisory
- SELL Advisory (Profit)
- SELL Advisory (Loss)
- Profit
- Loss
- Pass (Skip investing)
Stock price based on last close (see disclosures)
- ALL
- YEAR
- MONTH
- WEEK
Upturn Advisory Summary
06/30/2025: 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
Moderately tracked stock, growing coverage, gaining market and investor attention.
1 Year Target Price $15.33
1 Year Target Price $15.33
| 4 | Strong Buy |
| 1 | Buy |
| 2 | Hold |
| 0 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -23.33% | Avg. Invested days 38 | 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 06/30/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 814.42M USD | Price to earnings Ratio 29.54 | 1Y Target Price 15.33 |
Price to earnings Ratio 29.54 | 1Y Target Price 15.33 | ||
Volume (30-day avg) 7 | Beta 1.47 | 52 Weeks Range 7.55 - 16.45 | Updated Date 06/29/2025 |
52 Weeks Range 7.55 - 16.45 | Updated Date 06/29/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.37 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 4.01% | Operating Margin (TTM) 0.34% |
Management Effectiveness
Return on Assets (TTM) 2.09% | Return on Equity (TTM) 7.86% |
Valuation
Trailing PE 29.54 | Forward PE 32.15 | Enterprise Value 754822816 | Price to Sales(TTM) 1.11 |
Enterprise Value 754822816 | Price to Sales(TTM) 1.11 | ||
Enterprise Value to Revenue 1.03 | Enterprise Value to EBITDA 14.74 | Shares Outstanding 42827000 | Shares Floating 30772962 |
Shares Outstanding 42827000 | Shares Floating 30772962 | ||
Percent Insiders 4.83 | Percent Institutions 77.64 |
Analyst Ratings
Rating 3 | Target Price 15.33 | Buy 1 | Strong Buy 4 |
Buy 1 | Strong Buy 4 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Nerdwallet Inc
Company Overview
History and Background
NerdWallet was founded in 2009 by Tim Chen and Jake Gibson. It started as a credit card comparison tool and has evolved into a platform offering advice on a broad range of personal finance topics. The company went public in 2021.
Core Business Areas
- Credit Cards: Provides comparison tools and advice on credit cards, helping users find the right card based on their needs.
- Banking: Offers information and comparison tools for banking products, including checking accounts, savings accounts, and CDs.
- Investing: Provides content and tools related to investing, including brokerage account comparisons and investment advice.
- Loans: Offers resources for various types of loans, such as personal loans, mortgages, and student loans.
- Insurance: Provides information and comparison tools for insurance products.
- Small Business: Provides resources and advice for small businesses, including financing options and business tools.
Leadership and Structure
Tim Chen is the CEO. The company has a typical corporate structure with departments like Engineering, Marketing, Finance, and Product, led by respective VPs and Directors.
Top Products and Market Share
Key Offerings
- Credit Card Comparison: NerdWallet's credit card comparison tool helps users find the best credit card based on their credit score, spending habits, and financial goals. Market share is difficult to precisely quantify, but NerdWallet is a leading player in the online credit card comparison space. Competitors include Credit Karma, Bankrate, and Experian. Revenue is generated through affiliate partnerships.
- Mortgage Rate Comparison: Offers tools for comparing mortgage rates and finding lenders. Similar to credit cards, market share is significant but not precisely tracked. Competitors include LendingTree, Zillow, and Bankrate. Revenue is also generated through affiliate partnerships.
- Personal Loan Comparison: Allows users to compare personal loan options. Competitors are similar to mortgage comparison including LendingTree and Credit Karma. Revenue is generated through affiliate partnerships.
Market Dynamics
Industry Overview
The personal finance industry is increasingly digital, with consumers turning to online platforms for advice and comparison tools. The industry is competitive and growing.
Positioning
NerdWallet positions itself as a trusted and unbiased source of personal finance information. Its competitive advantages include its brand recognition and comprehensive content.
Total Addressable Market (TAM)
The total addressable market for digital personal finance tools and advice is estimated to be in the hundreds of billions of dollars. NerdWallet is positioned to capture a significant portion of this market through its comprehensive platform and brand reputation.
Upturn SWOT Analysis
Strengths
- Strong brand recognition
- Comprehensive content library
- Large user base
- Data-driven approach
- Diverse revenue streams (affiliate partnerships)
Weaknesses
- Reliance on affiliate partnerships
- Susceptibility to changes in search engine algorithms
- Competition from larger financial institutions
- Potential for negative publicity from inaccurate advice
- Slower growth as a public company.
Opportunities
- Expansion into new financial product categories
- Increased personalization of content and recommendations
- Strategic partnerships with financial institutions
- International expansion
- Growing demand for financial literacy
Threats
- Increased competition from existing players and new entrants
- Changes in consumer behavior
- Economic downturn
- Regulatory changes
- Data breaches and security concerns
Competitors and Market Share
Key Competitors
- LendingTree (TREE)
- Credit Karma (INTU)
- Bankrate (RATE)
Competitive Landscape
NerdWallet competes with a variety of companies, including established financial institutions and online comparison platforms. Its advantages include its brand reputation and comprehensive content, while its disadvantages include its reliance on affiliate partnerships.
Major Acquisitions
On the Barrelhead
- Year: 2022
- Acquisition Price (USD millions): 22
- Strategic Rationale: Acquisition of a U.K.-based content and price comparison website focused on personal finance, accelerating NerdWallet's U.K. expansion.
Know Your Money
- Year: 2020
- Acquisition Price (USD millions): 12
- Strategic Rationale: This acquisition bolstered NerdWalletu2019s presence in the UK market, allowing them to diversify their service offerings
Growth Trajectory and Initiatives
Historical Growth: NerdWallet experienced significant growth in its early years as it expanded its product offerings and user base. Growth rate has slowed down since going public.
Future Projections: Future growth projections require access to analyst estimates. Please consult financial news sources for analyst forecasts.
Recent Initiatives: Recent initiatives include expanding into new financial product categories and focusing on personalization. They have been investing into building better technology.
Summary
NerdWallet is a well-known platform providing personal finance advice, benefiting from its strong brand and comprehensive content. While reliant on affiliate partnerships, expansion opportunities exist in new product categories and international markets. Threats include increasing competition and economic uncertainties. Overall, the company holds a decent position in a competitive market.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company Filings (SEC)
- Financial News Outlets
- Industry Reports
Disclaimers:
The information provided is for informational purposes only and does not constitute financial advice. Market data is approximate and subject to change. Consult with a qualified financial advisor before making any investment decisions.
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.
Note: This website is maintained by Upturn Corporation, which is an investment adviser registered with the U.S. Securities and Exchange Commission. Such registration does not imply a certain level of skill or training. Investing in securities has risks. Past performance is no guarantee of future returns. No assurance is provided as to any particular investment return, and you may lose money using our services. You are strongly advised to consult appropriate counsel before making any investments in companies you learn about through our services. You should obtain appropriate legal, tax, investment, accounting, and other advice that takes into account your investment portfolio and overall financial situation. You are solely responsible for conducting due diligence on a potential investment. We do not affect trades for you. You will select your own broker through which to transact. Investments are not FDIC insured, they are not guaranteed, and they may lose value. Please see the Privacy Policy, Terms of Use, and Disclosure for more information.