Nerdwallet, Inc.

Technology
EDP Services
www.nerdwallet.com

Moat Score

Market Cap $1.17B
PE -112
Debt $NaN
Cash $71.70M
EV $NaN
FCF $90.90M

Earnings

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Sales & Net Margins

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Earnings	-$10.50M
EBIT	$9.60M
ROE	-3%
ROA	2%
FCF	$90.90M
Equity	$322.40M
Growth Stability	1
PE	-111.54
PB	3.63
P/FCF	12.88
P/S	1.84
Price/Cash	0.06
Net Margins	-2%
Gross Margins	90%
Op. Margins	2%
Sales Growth YoY	25%
Sales Growth QoQ	27%
Sales CAGR	23%
FCF CAGR	202%
Equity CAGR	99%
Earnings Growth YoY	-120%

Earnings Growth QoQ	-101%
Sales CAGR 5Y	23%
FCF CAGR 5Y	202%
Equity CAGR 5Y	99%
Earnings CAGR 3Y	19%
Sales CAGR 3Y	19%
FCF CAGR 3Y	236%
Equity CAGR 3Y	14%
Market Cap	$1.17B
Revenue	$637.50M
Assets	$402.40M
Cash	$71.70M
Shares Outstanding	74.03M
Moat Score	19%
Working Capital	127.2M
Current Ratio	2.91
Shares Growth 3y	10%
Equity Growth QoQ	-15%
Equity Growth YoY	-11%

Assets & ROA

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Stockholders Equity & ROE

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Nerdwallet Inc is a free tool to find you the best credit cards, cd rates, savings, checking accounts, scholarships, healthcare and airlines.

SEC Filings

Direct access to Nerdwallet, Inc. (NRDS) Annual Reports (10K) and Quarterly Reports (10Q) from the SEC website.

2024
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2023
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31
2022
- 10-K Dec 31
- 10-Q Sep 30
- 10-Q Jun 30
- 10-Q Mar 31

Sector Comparison

How does Nerdwallet, Inc. compare to its competitors?

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Peter Lynch's Chart

This chart shows the current pricing of Nerdwallet, Inc. compared to its past. The addition of the earnings trend line provides further insights into the company's earnings power.

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Nerdwallet, Inc. Discounted Cash Flow

Fully customizable DCF calculator online for Nerdwallet, Inc..

Years

Calculation mode

= $25T

	0	1	2	3	4	5	6	7	8	9	10	TV
fcf	$91M	$274M	$828M	$2.5B	$7.5B	$23B	$69B	$207B	$625B	$1.9T	$5.7T	$57T
DCF		$249M	$684M	$1.9B	$5.1B	$14B	$39B	$106B	$292B	$800B	$2.2T	$22T
Value	$25T

Competitiveness and MOAT

High margins render the company resilient under dire circumstances, hence able to drive competitors out or acquire them. ROE and ROA measure the average flow generated by each invested dollar. Their marginal value is a forecast of future growth, and it is considered by Buffett and Munger the most important single indicator.

Years	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Net Margins	11%	2%	-11%	-2%	-2%	-2%
ROA	-	-	-10%	-4%	2%	2%
ROE	-	-	-16%	-3%	-3%	-3%

Bad Net Margins (-1.63%)

Net Margins are too low to guarantee profitability in case of higher costs or higher interest rates. Furthermore lower margins cause higher earnings’ volatility.

Safety and Stability

Being debt the number one cause of investment losses and company death, the ratio Debt/FCF is of utmost importance to guarantee safety. On the other hand the Graham’s stability measures the drawdown of earnings, hence indicating the reliability of the flow generated by the company.

Years	12/2019	12/2020	12/2021	12/2022	12/2023	TTM
Debt over FCF	-	-	0	-	-	-
Debt over Equity	-	0.37	0	-	-	-
Growth Stability	-	-	-	-	-	1

Neutral Debt/FCF ratio (-)

Net Margins are at a level that is not too high nor too low. They are not a competitive advantage but they are not a competitive disadvantage either.

Neutral Debt/Equity ratio (-)

The company has a balance between equity and debt that is not too good nor too bad.

Good Graham’s Stability (1)

The company has a good stability in its earnings, which is a sign of a good competitive advantage.

Growth

Growth can be dangerous when forecasting, simply projecting the current growth is in general wrong. A company passes through multiple phases, from being young and unprofitable, to the first periods of profitability and high growth, until it arrives at a period of regime with limited growth. Identifying in which phase the company is in may help forecasting.

Years	12/2019	12/2020	12/2021	12/2022	12/2023	CAGR 5Y
Revenue YoY growth	-	7%	55%	42%	11%	23%
Earnings YoY growth	-	-78%	-902%	-76%	16%	-
Equity YoY growth	-	934%	211%	33%	7%	99%
FCF YoY growth	-	-54%	-65%	316%	250%	202%