NerdWallet, Inc. Logo

NerdWallet, Inc.

NRDS

(1.8)
Stock Price

13,00 USD

-3.77% ROA

-2.9% ROE

-86.6x PER

Market Cap.

971.247.243,00 USD

2.06% DER

0% Yield

-1.65% NPM

NerdWallet, Inc. Stock Analysis

NerdWallet, Inc. Fundamental Analysis

Fundamental analysis in stock investing is like studying the foundation of a house before buying it. It involves looking at a company's financial health, like its earnings, assets, and debts, to determine if it's a good investment based on its fundamental strength and potential for growth.

NerdWallet, Inc. Fundamental Stock Analysis
# Analysis Rating
1 DER

The stock has a low debt to equity ratio (0%), which means it has a small amount of debt compared to the ownership it holds

2 Revenue Growth

Over the past five years, this company's revenue has consistently increased, demonstrating a robust financial performance that makes it an appealing opportunity.

3 PBV

The stock's PBV ratio (2.36x) reflects a fair valuation, making it an attractive option for investors seeking balanced opportunities.

4 Net Profit Growth

Throughout the last three years, this company has experienced consistent net profit growth, reflecting a robust financial performance and making it an attractive investment prospect.

5 Buffet Intrinsic Value

The company's stock presents an enticing opportunity as it appears undervalued (22.946) by Warren Buffett's formula, indicating that its intrinsic value exceeds the market price.

6 ROE

The stock's ROE indicates a negative return (-0.17%) on shareholders' equity, suggesting poor financial performance.

7 ROA

The stock's ROA (-0.23%) indicates that it's not effectively utilizing its assets to generate profits, making it a less favorable option to invest and earn consistent returns.

8 Assets Growth

Company has experienced no growth in revenue over the past three years, suggesting limited profitability and making it a less desirable investment opportunity.

9 Graham Number

The Graham number of this company suggests that its stock price may be overvalued, indicating a less favorable investment opportunity.

10 Dividend Growth

The company's dividend growth has been flat for the past three years, raising concerns for potential investors seeking reliable returns.

11 Dividend

Investors should note the absence of dividends from the company in the last three years, indicating potential financial challenges.

NerdWallet, Inc. Technical Analysis

Technical analysis in stock investing is like reading the patterns on a weather map to predict future weather conditions. It involves studying past stock price movements and trading volumes to make predictions about where a stock's price might go next, without necessarily looking at the company's financial health.

NerdWallet, Inc. Technical Stock Analysis
# Analysis Recommendation
1 Awesome Oscillator Buy
2 MACD Sell
3 RSI Hold
4 Stoch RSI Sell

NerdWallet, Inc. Price Chart

Financial Statements

Financial statements are like report cards for companies. They show how much money a company makes (income statement), what it owns and owes (balance sheet), and where it spends its money (cash flow statement), helping stock investors understand if a company is healthy and worth investing in.

Income Statements

An income statement for a company is like a scoreboard for its profits and losses. It shows how much money the company made (revenue) and how much it spent to make that money (expenses), helping stock investors see if a company is making a profit or not.

Revenue in stock investing is the total amount of money a company earns from its sales, and it's a key factor that investors consider to assess a company's financial performance and growth potential.

NerdWallet, Inc. Revenue
Year Revenue Growth
2019 228.300.000
2020 245.300.000 6.93%
2021 379.600.000 35.38%
2022 538.900.000 29.56%
2023 611.200.000 11.83%
2023 599.400.000 -1.97%
2024 602.400.000 0.5%

Research and Development Expenses are the costs a company incurs to create and improve its products or services, which can be important for investors to evaluate a company's innovation and potential for future growth.

NerdWallet, Inc. Research and Development Expenses
Year Research and Development Expenses Growth
2019 46.000.000
2020 50.900.000 9.63%
2021 62.200.000 18.17%
2022 77.600.000 19.85%
2023 82.800.000 6.28%
2023 80.500.000 -2.86%
2024 90.800.000 11.34%

General and Administrative Expenses are the costs a company incurs to run its day-to-day operations, such as office rent, salaries, and utilities, which investors consider to understand a company's overall efficiency and management effectiveness.

NerdWallet, Inc. General and Administrative Expenses
Year General and Administrative Expenses Growth
2019 22.200.000
2020 28.000.000 20.71%
2021 38.500.000 27.27%
2022 58.200.000 33.85%
2023 56.800.000 -2.46%
2023 59.800.000 5.02%
2024 66.000.000 9.39%

EBITDA stands for Earnings Before Interest, Taxes, Depreciation, and Amortization. It is a measure that helps stock investors analyze a company's profitability by looking at its earnings without considering certain expenses. This helps to get a clearer picture of the company's financial performance and its ability to generate cash flow.

NerdWallet, Inc. EBITDA
Year EBITDA Growth
2019 38.400.000
2020 16.300.000 -135.58%
2021 -9.300.000 275.27%
2022 19.500.000 147.69%
2023 19.600.000 0.51%
2023 51.800.000 62.16%
2024 15.600.000 -232.05%

Gross profit is the money a company makes from selling its products or services after subtracting the cost of producing or providing them, and it is an important measure for investors to understand a company's profitability.

NerdWallet, Inc. Gross Profit
Year Gross Profit Growth
2019 212.200.000
2020 224.000.000 5.27%
2021 351.100.000 36.2%
2022 499.100.000 29.65%
2023 558.000.000 10.56%
2023 545.400.000 -2.31%
2024 542.800.000 -0.48%

Net income in stock investing is like the money a company actually gets to keep as profit after paying all its bills, and it's an important measure to understand how well a company is doing financially.

NerdWallet, Inc. Net Profit
Year Net Profit Growth
2019 24.200.000
2020 5.300.000 -356.6%
2021 -42.500.000 112.47%
2022 -10.200.000 -316.67%
2023 -2.000.000 -410%
2023 -11.800.000 83.05%
2024 -37.600.000 68.62%

EPS, or earnings per share, is a measure that shows how much profit a company has earned for each outstanding share of its stock, and it is important for stock investors as it helps understand the profitability of a company and compare it with other companies in the market.

NerdWallet, Inc. Earning per Share (EPS)
Year Earning per Share (EPS) Growth
2019 0
2020 0 0%
2021 -1 0%
2022 0 0%
2023 0 0%
2023 0 0%
2024 0 0%

Cashflow Statements

Cashflow statements show the movement of money in and out of a company, helping stock investors understand how much money a company makes and spends. By examining cashflow statements, investors can assess if a company is generating enough cash to pay its bills, invest in growth, and provide returns to stockholders.

Free cash flow is the leftover cash that a company generates after covering its operating expenses and capital expenditures, which is important for stock investors as it shows how much money a company has available to invest in growth, pay dividends, or reduce debt.

NerdWallet, Inc. Free Cashflow
Year Free Cashflow Growth
2019 16.600.000
2020 -3.300.000 603.03%
2021 -15.800.000 79.11%
2022 -7.200.000 -119.44%
2023 31.300.000 123%
2023 45.700.000 31.51%
2024 4.500.000 -915.56%

Operating cash flow represents the cash generated or consumed by a company's day-to-day operations, excluding external investing or financing activities, and is crucial for stock investors as it shows how much cash a company is generating from its core business operations.

NerdWallet, Inc. Operating Cashflow
Year Operating Cashflow Growth
2019 31.400.000
2020 15.400.000 -103.9%
2021 7.200.000 -113.89%
2022 25.000.000 71.2%
2023 36.100.000 30.75%
2023 75.200.000 51.99%
2024 10.200.000 -637.25%

Capex, short for capital expenditures, refers to the money a company spends on acquiring or upgrading tangible assets like buildings, equipment, or technology, which is important for stock investors as it indicates how much a company is investing in its infrastructure to support future growth and profitability.

NerdWallet, Inc. Capital Expenditure
Year Capital Expenditure Growth
2019 14.800.000
2020 18.700.000 20.86%
2021 23.000.000 18.7%
2022 32.200.000 28.57%
2023 4.800.000 -570.83%
2023 29.500.000 83.73%
2024 5.700.000 -417.54%

Balance Sheet

Balance sheets provide a snapshot of a company's financial health and its assets (such as cash, inventory, and property) and liabilities (like debts and obligations) at a specific point in time. For stock investors, balance sheets help assess the company's overall worth and evaluate its ability to meet financial obligations and support future growth.

Equity refers to the ownership interest or stake that shareholders have in a company, representing their claim on its assets and earnings after all debts and liabilities are paid.

NerdWallet, Inc. Equity
Year Equity Growth
2019 8.000.000
2020 82.700.000 90.33%
2021 257.600.000 67.9%
2022 341.700.000 24.61%
2023 366.900.000 6.87%
2023 364.200.000 -0.74%
2024 379.400.000 4.01%

Assets represent the valuable resources that a company owns, such as cash, inventory, property, and equipment, and understanding a company's assets helps investors assess its value and potential for generating future profits.

NerdWallet, Inc. Assets
Year Assets Growth
2019 144.600.000
2020 255.200.000 43.34%
2021 364.100.000 29.91%
2022 425.700.000 14.47%
2023 418.600.000 -1.7%
2023 420.800.000 0.52%
2024 446.200.000 5.69%

Liabilities refer to the financial obligations or debts that a company owes to creditors or external parties, and understanding a company's liabilities is important for investors as it helps assess the company's financial risk and ability to meet its obligations.

NerdWallet, Inc. Liabilities
Year Liabilities Growth
2019 136.600.000
2020 172.500.000 20.81%
2021 106.500.000 -61.97%
2022 84.000.000 -26.79%
2023 51.700.000 -62.48%
2023 56.600.000 8.66%
2024 66.800.000 15.27%

NerdWallet, Inc. Financial Ratio (TTM)

Valuation Metrics

Revenue per Share
7.69
Net Income per Share
-0.14
Price to Earning Ratio
-86.6x
Price To Sales Ratio
1.62x
POCF Ratio
9.45
PFCF Ratio
12.71
Price to Book Ratio
2.53
EV to Sales
1.45
EV Over EBITDA
20.41
EV to Operating CashFlow
8.53
EV to FreeCashFlow
11.35
Earnings Yield
-0.01
FreeCashFlow Yield
0.08
Market Cap
0,97 Bil.
Enterprise Value
0,87 Bil.
Graham Number
3.95
Graham NetNet
1.57

Income Statement Metrics

Net Income per Share
-0.14
Income Quality
-9.16
ROE
-0.03
Return On Assets
-0.03
Return On Capital Employed
0.02
Net Income per EBT
-1.09
EBT Per Ebit
1.45
Ebit per Revenue
0.01
Effective Tax Rate
2.09

Margins

Sales, General, & Administrative to Revenue
0.1
Research & Developement to Revenue
0.14
Stock Based Compensation to Revenue
0.06
Gross Profit Margin
0.9
Operating Profit Margin
0.01
Pretax Profit Margin
0.02
Net Profit Margin
-0.02

Dividends

Dividend Yield
0
Dividend Yield %
0
Payout Ratio
0
Dividend Per Share
0

Operating Metrics

Operating Cashflow per Share
1.31
Free CashFlow per Share
0.98
Capex to Operating CashFlow
0.25
Capex to Revenue
0.04
Capex to Depreciation
0.52
Return on Invested Capital
-0.02
Return on Tangible Assets
-0.04
Days Sales Outstanding
61.06
Days Payables Outstanding
65.6
Days of Inventory on Hand
0
Receivables Turnover
5.98
Payables Turnover
5.56
Inventory Turnover
0
Capex per Share
0.32

Balance Sheet

Cash per Share
1,46
Book Value per Share
4,87
Tangible Book Value per Share
2.93
Shareholders Equity per Share
4.87
Interest Debt per Share
0.11
Debt to Equity
0.02
Debt to Assets
0.02
Net Debt to EBITDA
-2.44
Current Ratio
4.27
Tangible Asset Value
0,23 Bil.
Net Current Asset Value
0,16 Bil.
Invested Capital
382500000
Working Capital
0,18 Bil.
Intangibles to Total Assets
0.34
Average Receivables
0,10 Bil.
Average Payables
0,01 Bil.
Average Inventory
0.5
Debt to Market Cap
0.01

Dividends

Dividends in stock investing are like rewards that companies give to their shareholders. They are a portion of the company's profits distributed to investors, typically in the form of cash payments, as a way for them to share in the company's success.

NerdWallet, Inc. Dividends
Year Dividends Growth

NerdWallet, Inc. Profile

About NerdWallet, Inc.

NerdWallet, Inc. operates a digital platform that provides consumer-driven advice about personal finance by connecting individuals and small and mid-sized businesses with financial products providers. The company's platform offers guidance to consumers through educational content, tools and calculators, and product marketplaces, as well as NerdWallet app for various financial products, including credit cards, mortgages, insurance, SMB products, personal loans, banking, investing, and student loans. It serves customers in the United States, the United Kingdom, and Canada. The company was founded in 2009 and is based in San Francisco, California.

CEO
Mr. Tim Chen
Employee
730
Address
55 Hawthorne Street
San Francisco, 94105

NerdWallet, Inc. Executives & BODs

NerdWallet, Inc. Executives & BODs
# Name Age
1 Ms. Alison McCoy
Vice President of Brand Marketing
70
2 Ms. Lynee Luque
Chief People Officer
70
3 Mr. Samuel Yount
Chief Business Officer
70
4 Ms. Keely Spillane
Vice President of Communications & Organic Growth
70
5 Mr. Caitlin MacNamee
Investor Relations Officer
70
6 Mr. Jason Rodriguez
Chief Product Officer
70
7 Mr. Tim Chen
Co-founder, Chairman & Chief Executive Officer
70
8 Ms. Lauren St. Clair Waugh
Chief Financial Officer
70
9 Mr. Ekumene M. Lysonge
Chief Legal Officer & Corporate Secretary
70

NerdWallet, Inc. Competitors