7 years of historical data (2019–2025) · Financial Services · Financial - Credit Services
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
NerdWallet, Inc. trades at 17.0x earnings, 39% below its 5-year average of 27.6x, sitting at the 0th percentile of its historical range. Compared to the Financial Services sector median P/E of 13.8x, the stock trades at a premium of 23%. On a free-cash-flow basis, the stock trades at 2.6x P/FCF, 84% below the 5-year average of 16.4x.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Market Cap | $344M | $1.0B | $1.0B | $1.1B | $678M | $1.0B | — | — |
| Enterprise Value | $246M | $930M | $992M | $1.0B | $607M | $890M | — | — |
| P/E Ratio → | 16.95 | 21.17 | 34.10 | — | — | — | — | — |
| P/S Ratio | 0.41 | 1.23 | 1.53 | 1.88 | 1.26 | 2.75 | — | — |
| P/B Ratio | 2.20 | 2.75 | 2.88 | 3.08 | 1.98 | 4.05 | — | — |
| P/FCF | 2.64 | 7.89 | 14.74 | 26.50 | — | — | — | — |
| P/OCF | 2.61 | 7.81 | 14.62 | 15.66 | 27.11 | 144.85 | — | — |
P/E links to full P/E history page with 30-year chart
Enterprise-value multiples — capital-structure-neutral measures of total business value
NerdWallet, Inc.'s enterprise value stands at 3.8x EBITDA, 82% below its 5-year average of 21.3x. The Financial Services sector median is 11.1x, placing the stock at a 66% discount on an enterprise-value basis.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| EV / Revenue | — | 1.11 | 1.44 | 1.73 | 1.13 | 2.35 | — | — |
| EV / EBITDA | 3.77 | 14.27 | 17.16 | 20.04 | 33.70 | — | — | — |
| EV / EBIT | 3.77 | — | 174.03 | 146.23 | — | — | — | — |
| EV / FCF | — | 7.14 | 13.93 | 24.37 | — | — | — | — |
Margins and return-on-capital ratios measuring operating efficiency
NerdWallet, Inc. earns an operating margin of 7.8%, below the Financial Services sector average of 21.9%. Operating margins have expanded from 0.6% to 7.8% over the past 3 years, signaling improving operational efficiency. ROE of 13.2% is modest. ROIC of 13.1% represents solid returns on invested capital versus a sector median of 5.4%.
Full margin charts and quarterly trend are on the Earnings History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Gross Margin | 92.4% | 92.4% | 90.8% | 91.0% | 92.6% | 92.5% | 91.3% | 92.9% |
| Operating Margin | 7.8% | 7.8% | 1.4% | 0.6% | -3.5% | -10.3% | 0.8% | 12.4% |
| Net Profit Margin | 5.8% | 5.8% | 4.4% | -2.0% | -1.9% | -11.2% | 2.2% | 10.6% |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| ROE | 13.2% | 13.2% | 8.3% | -3.3% | -3.4% | -25.0% | 11.7% | 302.5% |
| ROA | 10.8% | 10.8% | 7.1% | -2.8% | -2.6% | -13.7% | 2.7% | 16.7% |
| ROIC | 13.1% | 13.1% | 1.9% | 0.7% | -4.5% | -14.6% | 1.5% | 37.1% |
| ROCE | 17.0% | 17.0% | 2.5% | 1.0% | -5.8% | -14.7% | 1.1% | 24.1% |
Solvency and debt-coverage ratios — lower is generally safer
The company holds a net cash position — cash of $98M exceeds total debt of $0, providing substantial financial flexibility for buybacks, acquisitions, or weathering downturns.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Debt / Equity | — | — | 0.02 | 0.03 | 0.04 | 0.06 | 0.55 | 6.17 |
| Debt / EBITDA | — | — | 0.15 | 0.19 | 0.71 | — | 2.65 | 1.31 |
| Net Debt / Equity | — | -0.26 | -0.16 | -0.25 | -0.21 | -0.59 | -0.46 | -2.27 |
| Net Debt / EBITDA | -1.51 | -1.51 | -0.99 | -1.75 | -3.96 | — | -2.25 | -0.48 |
| Debt / FCF | — | -0.75 | -0.81 | -2.13 | — | — | — | -1.10 |
| Interest Coverage | — | — | 13.43 | 4.50 | -7.60 | -30.00 | 1.73 | 25.82 |
Net cash position: cash ($98M) exceeds total debt ($0)
Short-term solvency ratios and asset-utilisation metrics
NerdWallet, Inc.'s current ratio of 3.45x is well above the 1.0 safety threshold, indicating strong short-term liquidity with ample room to cover current liabilities. The current ratio has declined from 5.32x to 3.45x over the past 3 years.
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Current Ratio | 3.45 | 3.45 | 3.27 | 5.32 | 2.61 | 3.69 | 5.39 | 4.01 |
| Quick Ratio | 3.45 | 3.45 | 3.27 | 5.32 | 2.61 | 3.69 | 5.39 | 4.01 |
| Cash Ratio | 1.39 | 1.39 | 1.10 | 2.69 | 1.16 | 2.55 | 3.48 | 2.51 |
| Asset Turnover | — | 1.81 | 1.57 | 1.43 | 1.27 | 1.04 | 0.96 | 1.58 |
| Inventory Turnover | — | — | — | — | — | — | — | — |
| Days Sales Outstanding | — | — | — | — | — | — | — | — |
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
NerdWallet, Inc. returns 0.6% to shareholders annually primarily through share buybacks. The earnings yield of 5.9% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Full dividend history and growth charts are on the Dividend History page
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Dividend Yield | — | — | — | — | — | — | — | — |
| Payout Ratio | — | — | — | — | — | — | — | — |
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 5.9% | 4.7% | 2.9% | — | — | — | — | — |
| FCF Yield | 37.9% | 12.7% | 6.8% | 3.8% | — | — | — | — |
| Buyback Yield | 0.6% | 0.2% | 7.6% | 1.8% | 0.0% | 1.2% | — | — |
| Total Shareholder Yield | 0.6% | 0.2% | 7.6% | 1.8% | 0.0% | 1.2% | — | — |
| Shares Outstanding | — | $76M | $79M | $77M | $71M | $67M | $66M | $66M |
Compare NRDS with 8 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
| NRDSYou | $344M | 17.0 | 3.8 | 2.6 | 92.4% | 7.8% | 13.2% | 13.1% | — |
| KKRS | $16B | 3.3 | 1.0 | 2.4 | 80.2% | 74.2% | 27.6% | 28.7% | — |
| CGABL | $6B | 6.4 | 3.3 | 6.3 | 50.1% | 25.2% | 15.2% | 15.3% | — |
| UPST | $3B | 60.5 | 47.3 | — | — | 4.1% | 7.5% | 2.2% | — |
| AGM | $1B | 9.5 | — | 18.4 | — | — | 11.4% | — | — |
| YRD | $673M | 0.7 | 0.5 | 3.3 | 84.8% | 28.4% | 18.0% | 14.0% | 0.0 |
| PT | $48M | -0.2 | — | — | 63.5% | -40.1% | — | — | — |
| SNTG | $5M | -2.7 | — | — | 92.5% | -1615.2% | -17.9% | -11.3% | — |
| FOA | $232 | 16.4 | 350.7 | — | 13.9% | 2.2% | 5.3% | 0.1% | 351.3 |
| Financial Services Median | — | 13.8 | 11.1 | 11.2 | 60.2% | 21.9% | 9.1% | 5.4% | 4.1 |
Peers based on L4 peer group classification. Compare multiple stocks →
Includes 30+ ratios · 7 years · Updated daily
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Start ComparisonNerdWallet, Inc.'s current P/E ratio is 17.0x. The historical average is 27.6x.
NerdWallet, Inc.'s current EV/EBITDA is 3.8x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 21.3x.
NerdWallet, Inc.'s return on equity (ROE) is 13.2%. The historical average is 43.4%.
Based on historical data, NerdWallet, Inc. is trading at a P/E of 17.0x. Compare with industry peers and growth rates for a complete picture.
NerdWallet, Inc. has 92.4% gross margin and 7.8% operating margin.