| Name | Market Cap | Current Price | P/E Ratio | Revenue Growth 1Y | Net Margin | ROE | FCF Yield | Debt/Equity |
|---|---|---|---|---|---|---|---|---|
| SOFISoFi Technologies, Inc. | 33.41B | 26.44 | 67.79 | 27.82% | 13.46% | 7.29% | 0.49 | |
| ANTAAntalpha Platform Holding Company | 228.13M | 9.64 | 50.71 | 320.96% | 9.26% | 3.6% | 8.84 | |
| LCLendingClub Corporation | 2.35B | 20.36 | 45.24 | 2.25% | 4.42% | 7.1% | 0.02 | |
| NRDSNerdWallet, Inc. | 543.62M | 13.25 | 33.97 | 14.71% | 4.42% | 18.22% | 13.1% | 0.02 |
| UPSTUpstart Holdings, Inc. | 4.66B | 47.91 | -33.27 | 23.6% | -18.99% | 4.33% | 3.98% | 2.29 |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Net Interest Income | 0 | -900K | -1.3M | -1M | 2.8M | 4.1M |
| NII Growth % | - | - | -0.44% | 0.23% | 3.8% | 0.46% |
| Net Interest Margin % | - | - | - | - | - | - |
| Interest Income | 1.1M | 200K | 0 | 1.5M | 3.6M | 4.8M |
| Interest Expense | 1.1M | 1.1M | 1.3M | 2.5M | 800K | 700K |
| Loan Loss Provision | 15M | 20.2M | 27.2M | 37.3M | 53.2M | 62.8M |
| Non-Interest Income | 227.2M | 245.1M | 379.6M | 537.4M | 595.8M | 682.8M |
| Non-Interest Income % | - | - | - | - | - | - |
| Total Revenue | 228.3M | 245.3M | 379.6M | 538.9M | 599.4M | 687.6M |
| Revenue Growth % | - | 0.07% | 0.55% | 0.42% | 0.11% | 0.15% |
| Non-Interest Expense | 183.8M | 222.1M | 390.1M | 518.1M | 541.8M | 614.7M |
| Efficiency Ratio | - | - | - | - | - | - |
| Operating Income | 28.4M | 1.9M | -39M | -19M | 3.6M | 9.4M |
| Operating Margin % | - | - | - | - | - | - |
| Operating Income Growth % | - | -0.93% | -21.53% | 0.51% | 1.19% | 1.61% |
| Pretax Income | 27.9M | 900K | -37.7M | -20M | 6.3M | 5M |
| Pretax Margin % | - | - | - | - | - | - |
| Income Tax | 3.7M | -4.4M | 4.8M | -9.8M | 18.1M | -25.4M |
| Effective Tax Rate % | - | - | - | - | - | - |
| Net Income | 24.2M | 5.3M | -42.5M | -10.2M | -11.8M | 30.4M |
| Net Margin % | - | - | - | - | - | - |
| Net Income Growth % | - | -0.78% | -9.02% | 0.76% | -0.16% | 3.58% |
| Net Income (Continuing) | 24.2M | 5.3M | -42.5M | -10.2M | -11.8M | 30.4M |
| EPS (Diluted) | 0.37 | 0.08 | -0.63 | -0.14 | -0.15 | 0.39 |
| EPS Growth % | - | -0.78% | -8.83% | 0.78% | -0.07% | 3.6% |
| EPS (Basic) | 0.37 | 0.08 | -0.63 | -0.14 | -0.15 | 0.40 |
| Diluted Shares Outstanding | 65.83M | 65.83M | 67.07M | 70.6M | 76.7M | 78.9M |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Cash & Short Term Investments | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Cash & Due from Banks | 67.6M | 83.4M | 167.8M | 83.9M | 100.4M | 66.3M |
| Short Term Investments | 0 | 1000K | 1000K | 1000K | 1000K | 1000K |
| Total Investments | 0 | 2M | 2M | 2M | 2.1M | 2.2M |
| Investments Growth % | - | - | 0% | 0% | 0.05% | 0.05% |
| Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 |
| Accounts Receivables | 1000K | 1000K | 1000K | 1000K | 1000K | 1000K |
| Goodwill & Intangibles | - | - | - | - | - | - |
| Goodwill | 300K | 43.8M | 43.8M | 111.2M | 111.5M | 112.4M |
| Intangible Assets | 0 | 35.6M | 27.6M | 64.1M | 46.9M | 33.3M |
| PP&E (Net) | 34.1M | 41.7M | 48.8M | 60.4M | 59.8M | 48.3M |
| Other Assets | 0 | 600K | 1.1M | 800K | 2M | 1.3M |
| Total Current Assets | 107.9M | 129.4M | 242.8M | 189.2M | 198.4M | 196.7M |
| Total Non-Current Assets | 36.7M | 125.8M | 121.3M | 236.5M | 220.2M | 240.9M |
| Total Assets | 144.6M | 255.2M | 364.1M | 425.7M | 418.6M | 437.6M |
| Asset Growth % | - | 0.76% | 0.43% | 0.17% | -0.02% | 0.05% |
| Return on Assets (ROA) | 0.17% | 0.03% | -0.14% | -0.03% | -0.03% | 0.07% |
| Accounts Payable | 1.8M | 5.4M | 3.2M | 3.6M | 1.7M | 8.9M |
| Total Debt | 49.4M | 45.1M | 15.1M | 12.7M | 9.6M | 8.9M |
| Net Debt | -18.2M | -38.3M | -152.7M | -71.2M | -90.8M | -57.4M |
| Long-Term Debt | 30.7M | 30.3M | 0 | 0 | 0 | 0 |
| Short-Term Debt | 5M | 0 | 0 | 0 | 0 | 2.5M |
| Other Liabilities | 72.4M | 109.3M | 26.2M | 800K | 7.5M | 9M |
| Total Current Liabilities | 26.9M | 24M | 65.8M | 72.4M | 37.3M | 60.1M |
| Total Non-Current Liabilities | 109.7M | 148.5M | 40.7M | 11.6M | 14.4M | 13.3M |
| Total Liabilities | 136.6M | 172.5M | 106.5M | 84M | 51.7M | 73.4M |
| Total Equity | 8M | 82.7M | 257.6M | 341.7M | 366.9M | 364.2M |
| Equity Growth % | - | 9.34% | 2.11% | 0.33% | 0.07% | -0.01% |
| Equity / Assets (Capital Ratio) | - | - | - | - | - | - |
| Return on Equity (ROE) | 3.02% | 0.12% | -0.25% | -0.03% | -0.03% | 0.08% |
| Book Value per Share | 0.12 | 1.26 | 3.84 | 4.84 | 4.78 | 4.62 |
| Tangible BV per Share | - | - | - | - | - | - |
| Common Stock | 0 | 0 | 0 | 0 | 0 | 0 |
| Additional Paid-in Capital | 29.8M | 99.8M | 331.6M | 427.3M | 483.7M | 530.9M |
| Retained Earnings | -20.2M | -17.7M | -74.5M | -84.7M | -116.5M | -166.5M |
| Accumulated OCI | 0 | 600K | 500K | -900K | -300K | -200K |
| Treasury Stock | -1.6M | 0 | 0 | 0 | 0 | 0 |
| Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 |
| Dec 2019 | Dec 2020 | Dec 2021 | Dec 2022 | Dec 2023 | Dec 2024 | |
|---|---|---|---|---|---|---|
| Cash from Operations | 31.4M | 15.4M | 7.2M | 25M | 72.1M | 71.8M |
| Operating CF Growth % | - | -0.51% | -0.53% | 2.47% | 1.88% | -0% |
| Net Income | 24.2M | 5.3M | -42.5M | -10.2M | -11.8M | 30.4M |
| Depreciation & Amortization | 9.4M | 15.1M | 27.1M | 37M | 48.2M | 48.4M |
| Deferred Taxes | 1.4M | -4.6M | 4.4M | -12.6M | -500K | -46.1M |
| Other Non-Cash Items | 7.7M | 5.9M | 23.9M | -900K | 2.6M | 10.8M |
| Working Capital Changes | -16.3M | -12.7M | -23.6M | -22.7M | -5.2M | -9.4M |
| Cash from Investing | -14.8M | -55.4M | -23M | -100.3M | -29.5M | -29.7M |
| Purchase of Investments | 0 | 0 | 0 | 0 | 0 | -8.1M |
| Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 |
| Net Investment Activity | - | - | - | - | - | - |
| Acquisitions | 0 | -36.7M | 0 | -68.1M | 0 | -300K |
| Other Investing | 0 | 0 | -20.7M | -27.6M | -28.8M | -20.7M |
| Cash from Financing | -1.4M | 55.7M | 100.2M | -8.4M | -26.2M | -76.5M |
| Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 |
| Share Repurchases | -2.3M | -1.2M | -12.9M | 0 | -20M | -80.1M |
| Stock Issued | 0 | 54.3M | 140M | 0 | 0 | 0 |
| Net Stock Activity | - | - | - | - | - | - |
| Debt Issuance (Net) | 0 | -1000K | -1000K | 0 | -1000K | -1000K |
| Other Financing | 900K | 7.6M | 3.7M | -8.4M | -4.8M | 5.6M |
| Net Change in Cash | 15.2M | 15.8M | 84.4M | -83.9M | 16.5M | -34.1M |
| Exchange Rate Effect | 0 | 100K | 0 | -200K | 100K | 300K |
| Cash at Beginning | 52.4M | 67.6M | 83.4M | 167.8M | 83.9M | 100.4M |
| Cash at End | 67.6M | 83.4M | 167.8M | 83.9M | 100.4M | 66.3M |
| Interest Paid | 1.5M | 1.4M | 2.5M | 1.9M | 300K | 300K |
| Income Taxes Paid | 1.5M | 1.2M | 300K | 4M | 13.5M | 16M |
| Free Cash Flow | 16.6M | -3.3M | -15.8M | -7.2M | 42.6M | 71.2M |
| FCF Growth % | - | -1.2% | -3.79% | 0.54% | 6.92% | 0.67% |
| Metric | 2019 | 2020 | 2021 | 2022 | 2023 | 2024 |
|---|---|---|---|---|---|---|
| Return on Equity (ROE) | 302.5% | 11.69% | -24.98% | -3.4% | -3.33% | 8.32% |
| Return on Assets (ROA) | 16.74% | 2.65% | -13.73% | -2.58% | -2.8% | 7.1% |
| Net Interest Margin | 0% | -0.35% | -0.36% | -0.23% | 0.67% | 0.94% |
| Efficiency Ratio | 80.51% | 90.54% | 102.77% | 96.14% | 90.39% | 89.4% |
| Equity / Assets | 5.53% | 32.41% | 70.75% | 80.27% | 87.65% | 83.23% |
| Book Value / Share | 0.12 | 1.26 | 3.84 | 4.84 | 4.78 | 4.62 |
| NII Growth | - | - | -44.44% | 23.08% | 380% | 46.43% |
| 2021 | 2022 | 2023 | 2024 | |
|---|---|---|---|---|
| Insurance | - | - | - | 191.6M |
| Insurance Growth | - | - | - | - |
| Credit Card | 123.8M | 210.3M | 209.7M | 176.4M |
| Credit Card Growth | - | 69.87% | -0.29% | -15.88% |
| Emerging Verticals | - | - | 186.9M | 125.3M |
| Emerging Verticals Growth | - | - | - | -32.96% |
| Loans | 126.4M | 109.1M | 101.6M | 84.5M |
| Loans Growth | - | -13.69% | -6.87% | -16.83% |
| Other Verticals | 129.4M | 219.5M | - | - |
| Other Verticals Growth | - | 69.63% | - | - |
NerdWallet, Inc. (NRDS) has a price-to-earnings (P/E) ratio of 34.0x. This suggests investors expect higher future growth.
NerdWallet, Inc. (NRDS) grew revenue by 14.7% over the past year. This is steady growth.
Yes, NerdWallet, Inc. (NRDS) is profitable, generating $73.3M in net income for fiscal year 2024 (4.4% net margin).
NerdWallet, Inc. (NRDS) has a return on equity (ROE) of 8.3%. This is below average, suggesting room for improvement.
NerdWallet, Inc. (NRDS) has a net interest margin (NIM) of 0.9%. NIM has been under pressure due to interest rate environment.
NerdWallet, Inc. (NRDS) has an efficiency ratio of 89.4%. This is higher than peers, suggesting room for cost optimization.