NerdWallet (NRDS) Stock Fundamentals, Analysis & Risk Signals

Health score, price, valuation, risk signals, and key metrics at a glance.

NerdWallet

NasdaqGM•Communication Services•Internet Content & Information

$9.43+0.11(0.01%)Market closed

Market Cap

$598.92M

P/E

9.2x

P/S

0.7x

P/B

1.8x

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. It offers editorial and content publishing, a consumer and SMB financial education, tools, calculators, guides, and research published under the NerdWallet brand; Marketplace And Referral Services, a tool that enable users to compare, pre-qualify for, or connect with third-party providers of credit cards, consumer loans, small business loans, insurance, mortgages, financial services, and related products, as well as services including fundera, nerdwallet insurance services, nerdwallet advisory, and nerdwallet compare; and Financial Services, a brokerage and advisory services provided by insurance agency, loan and mortgage brokerages, and investment advisory subsidiaries. Additionally, the company provides finance and refinance facilities to students for education. NerdWallet, Inc. was founded in 2009 and is based in San Mateo, California.

How this company scores

ExcellentMetricSide Score: 83/100

Strongest: Cash & Earnings Quality (25/25); weakest: Balance Sheet & Red Flags (15/25).

Profitability20/25

Growth23/25

Balance Sheet & Red Flags15/25

Cash & Earnings Quality25/25

Strengths

Rising free cash flowHigh ROERising earningsInterest easily covered

No red flags in the last 8 quarters.

Valuation vs. 5-year range

Today's multiple positioned against its own trailing range — a visual premium/discount check.

P/E · 9.2x5y range 9.2x – 1209.6x

Currently below its 9-quarter median.

P/S · 0.7x5y range 0.7x – 2.1x

Currently below its 16-quarter median.

P/B · 1.8x5y range 1.8x – 3.3x

Price & Volume

Market Cap $598.92M

Metrics at a Glance

as of June 2026

Revenue & Profit

Revenue, EBITDA, operating income, net income, EPS, and shares

TTM Revenue: $860.00M
Q. Revenue: $197.30M
TTM EBITDA: $128.10M
TTM Op. Income: $88.00M
Q. Op. Income: $7.00M
TTM Net Income: $65.00M
Q. Net Income: $4.30M
EPS: $0.07
Shares Out.: $65.10M

$860.00M in TTM revenue grew 11.5% YoY, reaching $197.30M last quarter. TTM EBITDA of $128.10M and TTM operating income of $88.00M show growth is flowing through to the bottom line. TTM net income of $65.00M means revenue is converting into profit. Across the last 8 quarters, TTM revenue has risen for 7 consecutive quarters — an improving trend.

Margins

Gross, EBITDA, operating, and net margin trends

Gross Margin: 93.2%
EBITDA Margin: 8.3%
Op. Margin: 3.5%
Net Margin: 2.2%

Op. margin of 3.5% is down 2.2% YoY — costs are rising relative to revenue. Net margin at 2.2% and gross margin of 93.2% show how much of each revenue dollar survives to profit. Over the past year, operating margin is down 38% — a weakening trend.

Price Ratios

P/E, P/S, P/B, EV/EBITDA, FCF yield, and earnings yield

P/E Ratio: 9.2x
P/S Ratio: 0.7x
P/B Ratio: 1.8x

At 9.2x P/E, the stock trades below typical market levels. P/S of 0.7x and P/B of 1.8x provide additional context. P/E sits below typical market levels while revenue is growing. Across the last 7 quarters, P/E has fallen for 2 consecutive quarters — an improving trend.

Assets & Liabilities

Total assets, cash, debt, book value, and leverage

Total Assets: $418.00M
Cash: $62.00M
Long-Term Debt: N/A
Book Value: $325.80M
D/E Ratio: N/A
Debt/EBITDA: 0.0

Cash Flow

Operating cash flow, free cash flow, FCF margin, and earnings quality

Op. Cash Flow: $41.20M
TTM Free Cash Flow: $163.40M
FCF Margin: 19.0%
FCF / Net Income: 2.5

TTM FCF of $163.40M on $41.20M in operating cash flow. The FCF / Net Income ratio of 2.5x means free cash flow covers net income — earnings are backed by cash. Across the last 8 quarters, free cash flow has risen for 6 consecutive quarters — an improving trend.