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NerdWallet, Inc.(NRDS)Earnings, Financials & Key Ratios
NRDS•NASDAQ•Banking & Credit
13.1× P/E·Price updated Jun 19, 2026
AboutNerdWallet, 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.Show more
- Net Interest Income$3M-36.6%
- Total Revenue$837M+21.7%
- Net Income$49M+60.2%
- Return on Equity13.19%+58.5%
- Net Interest Margin0.56%-39.8%
- Efficiency Ratio84.07%-6.0%
- ROA10.84%+52.6%
- Equity / Assets81.22%-2.4%
- Book Value per Share4.93+6.9%
NRDS Key Insights
NerdWallet, Inc. (NRDS) fundamental analysis — strengths, weaknesses & financial health based on data analysis
✓Strengths
- ✓Strong 5Y profit CAGR of 55.8%
- ✓Strong Piotroski F-Score: 8/9
- ✓Well capitalized: 81.2% equity/assets
- ✓Share count reduced 3.8% through buybacks
- ✓Diversified revenue: 99.6% from non-interest income
✗Weaknesses
- ✗Weak NIM of 0.6%
- ✗High cost structure: 84.1% efficiency ratio
- ✗Weak momentum: RS Rating 19 (bottom 19%)
- ✗Trading more than 30% below 52-week high
* These insights are generated automatically based on available financial data. Please conduct your own research before making investment decisions.
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NRDS Price & Volume
NerdWallet, Inc. (NRDS) stock price & volume — 10-year historical chart
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NRDS Growth Metrics
NerdWallet, Inc. (NRDS) revenue, earnings & EPS growth — 3, 5 & 10-year CAGR
Revenue CAGR
10 Years-
5 Years27.81%
3 Years15.79%
TTM-
Profit CAGR
10 Years-
5 Years55.83%
3 Years-
TTM133.56%
EPS CAGR
10 Years-
5 Years51.38%
3 Years-
TTM136.1%
Return on Capital
10 Years3.75%
5 Years0.21%
3 Years7.2%
Last Year18.13%
NRDS Recent Earnings
NerdWallet, Inc. (NRDS) EPS & revenue vs analyst estimates — last 4 quarters
●Beat EPS 7/12 qtrs (58%)●Beat Revenue 9/12 qtrs (75%)
Q2 2026Latest
May 6, 2026Metric
Actual
Est
EPS
$0.29+16.0%
$0.25
Rev
$222M-2.4%
$228M
Q1 2026
Feb 25, 2026Metric
Actual
Est
EPS
$0.19+11.8%
$0.17
Rev
$225M+6.7%
$211M
Q4 2025
Nov 6, 2025Metric
Actual
Est
EPS
$0.34+70.0%
$0.20
Rev
$215M+1.8%
$211M
Q3 2025
Aug 7, 2025Metric
Actual
Est
EPS
$0.11+0.0%
$0.11
Rev
$187M-6.1%
$199M
| Quarter | Date | EPS (Act vs Est) | Revenue (Act vs Est) |
|---|---|---|---|
| Q2 2026Latest | May 6, 2026 | $0.29vs $0.25+16.0% | $222Mvs $228M-2.4% |
| Q1 2026 | Feb 25, 2026 | $0.19vs $0.17+11.8% | $225Mvs $211M+6.7% |
| Q4 2025 | Nov 6, 2025 | $0.34vs $0.20+70.0% | $215Mvs $211M+1.8% |
| Q3 2025 | Aug 7, 2025 | $0.11vs $0.11+0.0% | $187Mvs $199M-6.1% |
Based on last 12 quarters of dataView full earnings history →
NRDS Peer Comparison
NerdWallet, Inc. (NRDS) competitors in Credit Servicing and Structured Finance — business model, growth, and fundamentals comparison
| Company | Market Cap | Stock Price | P/E Ratio (TTM) | Revenue Growth 1Y | Net Margin | Return on Equity (ROE) | FCF Yield | Debt / Equity |
|---|---|---|---|---|---|---|---|---|
 TREE | 541.35M | 39.07 | 3.62 | 24.12% | 15.02% | 85.96% | 1.52 | |
 BFIN | 149.53M | 12.00 | 36.36 | 4.52% | 3.19% | 1.48% | 0.25 | |
 QNST | 750.24M | 13.06 | 161.83 | 78.27% | 5.53% | 23.85% | 0.04 | |
 EVO | 909.28M | 2.56 | -7.94 | -4.98% | -26.3% | -23.71% | 0.55 | |
 SOFI | 22.84B | 17.91 | 45.92 | 28.78% | 10.09% | 5.87% | 0.17 | |
 UPST | 3.1B | 32.43 | 72.07 | 58.87% | 4.25% | 6.59% | 2.32 | |
 LC | 2.21B | 19.21 | 16.70 | 14.97% | 10.17% | 9.47% | 0.01 | |
 DAVE | 4.23B | 314.44 | 23.24 | 47.49% | 40.81% | 84.53% | 0.21 |
Compare NRDS vs Peers
NerdWallet, Inc. (NRDS) vs competitors — business, growth, and fundamentals comparison against the closest industry rivals.
NRDS Income Statement
NerdWallet, Inc. (NRDS) annual income statement — 10-year revenue, gross profit & net income history
10Y historyFree accessUpdated daily
| Metric | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|
Net Interest Income | 0 | -900K | -1.3M | -1M | 2.8M | 4.1M | 2.6M | 2M |
NII Growth % | - | - | -44.44% | 23.08% | 380% | 46.43% | -36.59% | -137.18% |
Net Interest Margin % | 0% | -0.35% | -0.36% | -0.23% | 0.67% | 0.94% | 0.56% | 0.46% |
Interest Income | 1.1M | 200K | 0 | 1.5M | 3.6M | 4.8M | 3.2M | 3.4M |
Interest Expense | 1.1M | 1.1M | 1.3M | 2.5M | 800K | 700K | 600K | 300K |
Loan Loss Provision | 15M | 20.2M | 27.2M | 37.3M | 53.2M | 62.8M | 63.1M | 58.8M |
Non-Interest Income | 227.2M | 245.1M | 379.6M | 537.4M | 595.8M | 682.8M | 833.4M | 846.2M |
Non-Interest Income % | 99.52% | 99.92% | 100% | 99.72% | 99.4% | 99.3% | 99.62% | 99.6% |
Total Revenue | 228.3M▲ 0% | 245.3M▲ 7.4% | 379.6M▲ 54.7% | 538.9M▲ 42.0% | 599.4M▲ 11.2% | 687.6M▲ 14.7% | 836.6M▲ 21.7% | 849.6M▲ 0% |
Revenue Growth % | - | 7.45% | 54.75% | 41.97% | 11.23% | 14.71% | 21.67% | 65.39% |
Non-Interest Expense | 183.8M | 222.1M | 390.1M | 518.1M | 541.8M | 614.7M | 703.3M | 698.8M |
Efficiency Ratio | 80.51% | 90.54% | 102.77% | 96.14% | 90.39% | 89.4% | 84.07% | 82.25% |
Operating Income | 28.4M▲ 0% | 1.9M▼ 93.3% | -39M▼ 2152.6% | -19M▲ 51.3% | 3.6M▲ 118.9% | 9.4M▲ 161.1% | 69.6M▲ 640.4% | 91.7M▲ 0% |
Operating Margin % | 12.44% | 0.77% | -10.27% | -3.53% | 0.6% | 1.37% | 8.32% | 10.79% |
Operating Income Growth % | - | -93.31% | -2152.63% | 51.28% | 118.95% | 161.11% | 640.43% | - |
Pretax Income | 27.9M▲ 0% | 900K▼ 96.8% | -37.7M▼ 4288.9% | -20M▲ 46.9% | 6.3M▲ 131.5% | 5M▼ 20.6% | 68.2M▲ 1264.0% | 94.9M▲ 0% |
Pretax Margin % | 12.22% | 0.37% | -9.93% | -3.71% | 1.05% | 0.73% | 8.15% | 11.17% |
Income Tax | 3.7M | -4.4M | 4.8M | -9.8M | 18.1M | -25.4M | 19.5M | 26M |
Effective Tax Rate % | 13.26% | -488.89% | -12.73% | 49% | 287.3% | -508% | 28.59% | 27.4% |
Net Income | 24.2M▲ 0% | 5.3M▼ 78.1% | -42.5M▼ 901.9% | -10.2M▲ 76.0% | -11.8M▼ 15.7% | 30.4M▲ 357.6% | 48.7M▲ 60.2% | 68.9M▲ 0% |
Net Margin % | 10.6% | 2.16% | -11.2% | -1.89% | -1.97% | 4.42% | 5.82% | 8.11% |
Net Income Growth % | - | -78.1% | -901.89% | 76% | -15.69% | 357.63% | 60.2% | 133.56% |
Net Income (Continuing) | 24.2M | 5.3M | -42.5M | -10.2M | -11.8M | 30.4M | 48.7M | 68.9M |
EPS (Diluted) | 0.37▲ 0% | 0.08▼ 78.2% | -0.63▼ 882.6% | -0.14▲ 77.8% | -0.15▼ 7.1% | 0.39▲ 360.0% | 0.64▲ 64.1% | 0.99▲ 0% |
EPS Growth % | - | -78.24% | -882.61% | 77.78% | -7.14% | 360% | 64.1% | 136.1% |
EPS (Basic) | 0.37 | 0.08 | -0.63 | -0.14 | -0.15 | 0.40 | 0.66 | - |
Diluted Shares Outstanding | 65.83M | 65.83M | 67.07M | 70.6M | 76.7M | 78.9M | 75.9M | 69.5M |
NRDS Balance Sheet
NerdWallet, Inc. (NRDS) balance sheet — assets, liabilities & shareholders' equity
| Metric | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|
Cash & Short Term Investments | 67.6M | 85.4M | 169.8M | 85.9M | 102.5M | 68.5M | 98.3M | 382.8M |
Cash & Due from Banks | 67.6M | 83.4M | 167.8M | 83.9M | 100.4M | 66.3M | 98.3M | 56.3M |
Short Term Investments | 0 | 2M | 2M | 2M | 2.1M | 2.2M | 0 | 0 |
Total Investments | 0 | 2M | 2M | 2M | 2.1M | 2.2M | 0 | 0 |
Investments Growth % | - | - | 0% | 0% | 5% | 4.76% | -100% | -95.45% |
Long-Term Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Accounts Receivables | 36.1M | 37.3M | 57.6M | 87M | 75.5M | 109M | 111M | 113.1M |
Goodwill & Intangibles | 300K | 79.4M | 71.4M | 175.3M | 158.4M | 145.7M | 145M | 159.1M |
Goodwill | 300K | 43.8M | 43.8M | 111.2M | 111.5M | 112.4M | 123.5M | 136.3M |
Intangible Assets | 0 | 35.6M | 27.6M | 64.1M | 46.9M | 33.3M | 21.5M | 22.8M |
PP&E (Net) | 34.1M | 41.7M | 48.8M | 60.4M | 59.8M | 48.3M | 38.9M | 37.4M |
Other Assets | 0 | 600K | 1.1M | 800K | 2M | 1.3M | 3.1M | 5.1M |
Total Current Assets | 107.9M | 129.4M | 242.8M | 189.2M | 198.4M | 196.7M | 244.7M | 206.4M |
Total Non-Current Assets | 36.7M | 125.8M | 121.3M | 236.5M | 220.2M | 240.9M | 216.4M | 225.6M |
Total Assets | 144.6M▲ 0% | 255.2M▲ 76.5% | 364.1M▲ 42.7% | 425.7M▲ 16.9% | 418.6M▼ 1.7% | 437.6M▲ 4.5% | 461.1M▲ 5.4% | 432M▲ 0% |
Asset Growth % | - | 76.49% | 42.67% | 16.92% | -1.67% | 4.54% | 5.37% | 25.46% |
Return on Assets (ROA) | 16.74% | 2.65% | -13.73% | -2.58% | -2.8% | 7.1% | 10.84% | 14.8% |
Accounts Payable | 1.8M | 5.4M | 3.2M | 3.6M | 1.7M | 8.9M | 5.4M | 6.6M |
Total Debt | 49.4M | 45.1M | 15.1M | 12.7M | 9.6M | 8.9M | 0 | 0 |
Net Debt | -18.2M | -38.3M | -152.7M | -71.2M | -90.8M | -57.4M | -98.3M | -56.3M |
Long-Term Debt | 30.7M | 30.3M | 0 | 0 | 0 | 0 | 0 | 0 |
Short-Term Debt | 5M | 0 | 0 | 0 | 0 | 2.5M | 0 | 0 |
Other Liabilities | 72.4M | 109.3M | 26.2M | 800K | 7.5M | 9M | 15.7M | 15.5M |
Total Current Liabilities | 26.9M | 24M | 65.8M | 72.4M | 37.3M | 60.1M | 70.9M | 80.3M |
Total Non-Current Liabilities | 109.7M | 148.5M | 40.7M | 11.6M | 14.4M | 13.3M | 15.7M | 15.5M |
Total Liabilities | 136.6M | 172.5M | 106.5M | 84M | 51.7M | 73.4M | 86.6M | 95.8M |
Total Equity | 8M▲ 0% | 82.7M▲ 933.8% | 257.6M▲ 211.5% | 341.7M▲ 32.6% | 366.9M▲ 7.4% | 364.2M▼ 0.7% | 374.5M▲ 2.8% | 336.2M▲ 0% |
Equity Growth % | - | 933.75% | 211.49% | 32.65% | 7.37% | -0.74% | 2.83% | 20.91% |
Equity / Assets (Capital Ratio) | 5.53% | 32.41% | 70.75% | 80.27% | 87.65% | 83.23% | 81.22% | 77.82% |
Return on Equity (ROE) | 302.5% | 11.69% | -24.98% | -3.4% | -3.33% | 8.32% | 13.19% | 18.34% |
Book Value per Share | 0.12 | 1.26 | 3.84 | 4.84 | 4.78 | 4.62 | 4.93 | 4.84 |
Tangible BV per Share | 0.12 | 0.05 | 2.78 | 2.36 | 2.72 | 2.77 | 3.02 | 2.55 |
Common Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Additional Paid-in Capital | 29.8M | 99.8M | 331.6M | 427.3M | 483.7M | 530.9M | 0 | 0 |
Retained Earnings | -20.2M | -17.7M | -74.5M | -84.7M | -116.5M | -166.5M | -188.1M | -233.9M |
Accumulated OCI | 0 | 600K | 500K | -900K | -300K | -200K | 100K | -100K |
Treasury Stock | -1.6M | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Preferred Stock | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
NRDS Cash Flow Statement
NerdWallet, Inc. (NRDS) cash flow — operating, investing & free cash flow history
| Metric | Dec'19 | Dec'20 | Dec'21 | Dec'22 | Dec'23 | Dec'24 | Dec'25 | TTM |
|---|---|---|---|---|---|---|---|---|
Cash from Operations | 31.4M | 15.4M | 7.2M | 25M | 72.1M | 71.8M | 131.6M | 140.6M |
Operating CF Growth % | - | -50.96% | -53.25% | 247.22% | 188.4% | -0.42% | 83.29% | 465.45% |
Net Income | 24.2M | 5.3M | -42.5M | -10.2M | -11.8M | 30.4M | 48.7M | 68.9M |
Depreciation & Amortization | 9.4M | 15.1M | 27.1M | 37M | 48.2M | 48.4M | 46.4M | 43.5M |
Deferred Taxes | 1.4M | -4.6M | 4.4M | -12.6M | -500K | -46.1M | 16M | 21.7M |
Other Non-Cash Items | 7.7M | 5.9M | 23.9M | -900K | 2.6M | 10.8M | 4M | 10.3M |
Working Capital Changes | -16.3M | -12.7M | -23.6M | -22.7M | -5.2M | -9.4M | -12.1M | -25.7M |
Cash from Investing | -14.8M | -55.4M | -23M | -100.3M | -29.5M | -29.7M | -33.3M | -48.4M |
Purchase of Investments | 0 | 0 | 0 | 0 | 0 | -8.1M | -2M | -4M |
Sale/Maturity of Investments | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 2.3M |
Net Investment Activity | 0 | 0 | 0 | 0 | 0 | -8.1M | -2M | -1.7M |
Acquisitions | 0 | -36.7M | 0 | -68.1M | 0 | -300K | 0 | -28.9M |
Other Investing | 0 | 0 | -20.7M | -27.6M | -28.8M | -20.7M | -30M | -12.5M |
Cash from Financing | -1.4M | 55.7M | 100.2M | -8.4M | -26.2M | -76.5M | -66.1M | -127.8M |
Dividends Paid | 0 | 0 | 0 | 0 | 0 | 0 | 0 | 0 |
Share Repurchases | -2.3M | -1.2M | -12.9M | 0 | -20M | -80.1M | -70.2M | -134.9M |
Stock Issued | 0 | 54.3M | 140M | 0 | 0 | 0 | 3.2M | 1.8M |
Net Stock Activity | -2.3M | 53.1M | 127.1M | 0 | -20M | -80.1M | -67M | -133.1M |
Debt Issuance (Net) | 0 | -1000K | -1000K | 0 | -1000K | -1000K | 1000K | 2M |
Other Financing | 900K | 7.6M | 3.7M | -8.4M | -4.8M | 5.6M | -3.5M | -2.8M |
Net Change in Cash | 15.2M▲ 0% | 15.8M▲ 3.9% | 84.4M▲ 434.2% | -83.9M▼ 199.4% | 16.5M▲ 119.7% | -34.1M▼ 306.7% | 32M▲ 193.8% | -35.9M▲ 0% |
Exchange Rate Effect | 0 | 100K | 0 | -200K | 100K | 300K | -200K | -300K |
Cash at Beginning | 52.4M | 67.6M | 83.4M | 167.8M | 83.9M | 100.4M | 66.3M | 98.3M |
Cash at End | 67.6M | 83.4M | 167.8M | 83.9M | 100.4M | 66.3M | 98.3M | 56.3M |
Interest Paid | 1.5M | 1.4M | 2.5M | 1.9M | 300K | 300K | 0 | 100K |
Income Taxes Paid | 1.5M | 1.2M | 300K | 4M | 13.5M | 16M | 0 | 12.2M |
Free Cash Flow | 16.6M▲ 0% | -3.3M▼ 119.9% | -15.8M▼ 378.8% | -7.2M▲ 54.4% | 42.6M▲ 691.7% | 71.2M▲ 67.1% | 130.3M▲ 83.0% | 130.9M▲ 0% |
FCF Growth % | - | -119.88% | -378.79% | 54.43% | 691.67% | 67.14% | 83.01% | 136.71% |
NRDS Banking Ratios
NerdWallet, Inc. (NRDS) financial ratios — P/E, ROE, debt and 30+ core market and balance-sheet ratios
| Metric | 2020 | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|---|
Return on Equity (ROE) | 11.69% | -24.98% | -3.4% | -3.33% | 8.32% | 13.19% | 18.34% |
Return on Assets (ROA) | 2.65% | -13.73% | -2.58% | -2.8% | 7.1% | 10.84% | 14.8% |
Net Interest Margin | -0.35% | -0.36% | -0.23% | 0.67% | 0.94% | 0.56% | 0.46% |
Efficiency Ratio | 90.54% | 102.77% | 96.14% | 90.39% | 89.4% | 84.07% | 82.25% |
Equity / Assets | 32.41% | 70.75% | 80.27% | 87.65% | 83.23% | 81.22% | 77.82% |
Book Value / Share | 1.26 | 3.84 | 4.84 | 4.78 | 4.62 | 4.93 | 4.84 |
NII Growth | - | -44.44% | 23.08% | 380% | 46.43% | -36.59% | -42.86% |
Dividend Payout | - | - | - | - | - | - | 0% |
Related:NRDS Dividend History·NRDS Revenue History·NRDS Price History·NRDS P/E History·NRDS Financial Ratios·NRDS Institutional Holders
NRDS SEC Filings & Documents
NerdWallet, Inc. (NRDS) SEC filings — annual & quarterly reports (10-K, 10-Q)
NRDS Frequently Asked Questions
NerdWallet, Inc. (NRDS) stock FAQ — growth, dividends, profitability & financials explained
Growth & Financials
NerdWallet, Inc. (NRDS) grew revenue by 21.7% over the past year. This is strong growth.
Yes, NerdWallet, Inc. (NRDS) is profitable, generating $68.9M in net income for fiscal year 2025 (5.8% net margin).
Dividend & Returns
NerdWallet, Inc. (NRDS) has a return on equity (ROE) of 13.2%. This is reasonable for most industries.
Industry Metrics
NerdWallet, Inc. (NRDS) has a net interest margin (NIM) of 0.6%. NIM has been under pressure due to interest rate environment.
NerdWallet, Inc. (NRDS) has an efficiency ratio of 84.1%. This is higher than peers, suggesting room for cost optimization.