📊 NRDS Key Takeaways
Is NRDS a Good Investment? Thesis Analysis
NerdWallet demonstrates solid fundamental strength with robust revenue growth of 21.7% YoY and exceptional free cash flow generation at 15.6% of revenue, indicating highly efficient operations. The company maintains a fortress balance sheet with minimal leverage (0.19x debt/equity), strong liquidity (3.45x current ratio), and generates substantial cash relative to capital requirements, supporting sustainable operations and strategic flexibility.
Why Buy NRDS? Key Strengths
- Strong revenue growth of 21.7% YoY with 836.6M in absolute revenue scale
- Exceptional free cash flow conversion at 130.3M (15.6% margin) with minimal capex requirements (1.3M)
- Conservative balance sheet with low leverage (0.19x debt/equity) and strong interest coverage (326.0x)
- Solid profitability with 5.8% net margin and 7.8% operating margin despite competitive fintech market
- Healthy returns on equity (13.0%) and assets (10.6%) demonstrating efficient capital deployment
NRDS Investment Risks to Consider
- EPS growth of 68.4% YoY appears inflated relative to net income growth of 0.0%, suggesting share count reduction rather than earnings expansion
- Modest net margin of 5.8% indicates limited pricing power or operational leverage in core business
- Gross margin data unavailable (marked as N/A) limits visibility into cost structure and unit economics
- Fintech sector subject to regulatory changes and competitive pressure that could compress margins
- 8 Form 4 filings in 90 days suggest elevated insider activity requiring monitoring
Key Metrics to Watch
- Revenue growth trajectory - sustainability of 21.7% growth rate in competitive fintech landscape
- Net margin expansion - ability to improve 5.8% margin through operational leverage or pricing
- Free cash flow generation - maintain 15.6% FCF margin and capital efficiency
- Gross margin trend - need visibility on cost structure as company scales
- Debt utilization - monitor if company pursues strategic acquisitions or capital allocation changes
NRDS Financial Metrics
💡 AI Analyst Insight
Strong liquidity with a 3.45x current ratio provides a solid financial cushion.
NRDS Profitability Ratios
NRDS vs Technology Sector
How NERDWALLET, INC. compares to Technology sector averages
Sector benchmarks are approximate industry averages. Actual sector performance may vary.
Is NRDS Overvalued or Undervalued?
Based on fundamental analysis, NERDWALLET, INC. has mixed fundamental signals relative to the Technology sector in 2026.
Note: This is a fundamental analysis based on SEC filings. For P/E ratio, price targets, and market-based valuation, consult financial data providers. This is not investment advice.
NRDS Balance Sheet & Liquidity
NRDS 5-Year Financial Trend & Growth Analysis
5-Year Trend Summary: NERDWALLET, INC.'s revenue has grown significantly by 120% over the 5-year period, indicating strong business expansion. The most recent EPS of $-0.15 indicates the company is currently unprofitable.
NRDS Growth Metrics (YoY)
NRDS Quarterly Performance
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q3 2025 | $191.3M | $100.0K | $0.00 |
| Q2 2025 | $150.6M | $200.0K | $-0.11 |
| Q1 2025 | $161.9M | $200.0K | $0.00 |
| Q3 2024 | $152.8M | $100.0K | $0.00 |
| Q2 2024 | $143.3M | $1.1M | $-0.11 |
| Q1 2024 | $161.9M | $1.1M | $0.01 |
| Q3 2023 | $142.6M | -$500.0K | $0.01 |
| Q2 2023 | $125.2M | $1.7M | $-0.12 |
Data sourced from SEC EDGAR 10-Q quarterly filings. Figures may represent quarterly or cumulative values.
NRDS Capital Allocation
NRDS SEC 10-K & 10-Q Filing Analysis
Access official SEC EDGAR filings for NERDWALLET, INC. (CIK: 0001625278)
📋 Recent SEC Filings
❓ Frequently Asked Questions about NRDS
What is the AI rating for NRDS?
NERDWALLET, INC. (NRDS) has an AI rating of BUY with 78% confidence, based on fundamental analysis of SEC EDGAR filings.
What are NRDS's key strengths?
Claude: Strong revenue growth of 21.7% YoY with 836.6M in absolute revenue scale. Exceptional free cash flow conversion at 130.3M (15.6% margin) with minimal capex requirements (1.3M).
What are the risks of investing in NRDS?
Claude: EPS growth of 68.4% YoY appears inflated relative to net income growth of 0.0%, suggesting share count reduction rather than earnings expansion. Modest net margin of 5.8% indicates limited pricing power or operational leverage in core business.
What is NRDS's revenue and growth?
NERDWALLET, INC. reported revenue of $836.6M.
Does NRDS pay dividends?
NERDWALLET, INC. does not currently pay dividends.
Where can I find NRDS SEC filings?
Official SEC filings for NERDWALLET, INC. (CIK: 0001625278) including 10-K, 10-Q, and 8-K reports are available on SEC EDGAR.
What is NRDS's EPS?
NERDWALLET, INC. has a diluted EPS of $0.64.
How is the AI analysis conducted?
Two independent AI systems — Claude (Anthropic) and ChatGPT (OpenAI) — analyze SEC EDGAR filings including 10-K annual reports and 10-Q quarterly reports. Each AI evaluates financial health, profitability ratios, balance sheet strength, and growth metrics. The combined rating reflects both perspectives for balanced insights.
Is NRDS a good stock to buy right now?
Based on our AI fundamental analysis in April 2026, NERDWALLET, INC. has a BUY rating with 78% confidence. The AI analysis suggests favorable fundamentals based on SEC filings. This is not investment advice.
Is NRDS stock overvalued or undervalued?
Valuation metrics for NRDS: ROE of 13.0% (sector avg: 22%), net margin of 5.8% (sector avg: 18%). Compare these metrics with sector averages to assess valuation.
Should I buy NRDS stock in 2026?
Our dual AI analysis gives NERDWALLET, INC. a combined BUY rating for 2026. Revenue is data pending, with profitability at or below sector average. Always conduct your own research.
What is NRDS's free cash flow?
NERDWALLET, INC.'s operating cash flow is $131.6M, with capital expenditures of $1.3M. FCF margin is 15.6%.
How does NRDS compare to other Technology stocks?
Vs Technology sector averages: Net margin 5.8% (avg: 18%), ROE 13.0% (avg: 22%), current ratio 3.45 (avg: 2.5).