NerdWallet, Inc. (NRDS) Financial Ratios
7 years of historical data (2019–2025) · Financial Services · Financial - Credit Services
EV/EBITDA
↓
4.41
↓-78% vs avg
5yr avg: 19.73
30Y Low8.0·High33.7
P/FCF
↓
4.68
↓-71% vs avg
5yr avg: 16.38
30Y Low7.9·High26.5
P/B Ratio
↓
1.70
↓-42% vs avg
5yr avg: 2.95
30Y Low2.0·High4.0
ROE
↑
13.2%
↓+746% vs avg
5yr avg: -2.0%
30Y Low-25%·High303%
Debt/EBITDA
↓
N/A
—
5yr avg: 0.35
30Y Low0.2·High2.7
Percentile shows where the current value sits in 30-year historical distribution. Sparklines show 5-year trend.
NRDS Valuation Multiples
Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow
NerdWallet, Inc. trades at 13.1x earnings, 53% below its 5-year average of 27.6x, sitting at the 0th percentile of its historical range. This is roughly in line with the Financial Services sector median P/E of 13.6x. On a free-cash-flow basis, the stock trades at 4.7x P/FCF, 71% 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 | $610M | $1.0B | $1.0B | $1.1B | $678M | $1.0B | — | — |
| Enterprise Value | $512M | $930M | $992M | $1.0B | $607M | $890M | — | — |
| P/E Ratio → | 13.09 | 21.17 | 34.10 | — | — | — | — | — |
| P/S Ratio | 0.73 | 1.23 | 1.53 | 1.88 | 1.26 | 2.75 | — | — |
| P/B Ratio | 1.70 | 2.75 | 2.88 | 3.08 | 1.98 | 4.05 | — | — |
| P/FCF | 4.68 | 7.89 | 14.74 | 26.50 | — | — | — | — |
| P/OCF | 4.64 | 7.81 | 14.62 | 15.66 | 27.11 | 144.85 | — | — |
P/E links to full P/E history page with 30-year chart
NRDS EV Ratios
Enterprise-value multiples — capital-structure-neutral measures of total business value
NerdWallet, Inc.'s enterprise value stands at 4.4x EBITDA, 78% below its 5-year average of 19.7x. The Financial Services sector median is 11.4x, placing the stock at a 61% 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 | 4.41 | 8.02 | 17.16 | 20.04 | 33.70 | — | — | — |
| EV / EBIT | 7.35 | 13.36 | 174.03 | 146.23 | — | — | — | — |
| EV / FCF | — | 7.14 | 13.93 | 24.37 | — | — | — | — |
NRDS Profitability
Margins and return-on-capital ratios measuring operating efficiency
NerdWallet, Inc. earns an operating margin of 8.3%, below the Financial Services sector average of 20.3%. Operating margins have expanded from 0.6% to 8.3% over the past 3 years, signaling improving operational efficiency. ROE of 13.2% is modest. ROIC of 14.0% represents solid returns on invested capital versus a sector median of 5.5%.
Margins
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 | 8.3% | 8.3% | 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% |
Return on Capital
| 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 | 14.0% | 14.0% | 1.9% | 0.7% | -4.5% | -14.6% | 1.5% | 37.1% |
| ROCE | 18.1% | 18.1% | 2.5% | 1.0% | -5.8% | -14.7% | 1.1% | 24.1% |
NRDS Leverage & Debt
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. Interest coverage of 116.0x signals virtually no risk of debt distress — earnings comfortably cover interest obligations.
| 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 | -0.85 | -0.85 | -0.99 | -1.75 | -3.96 | — | -2.25 | -0.48 |
| Debt / FCF | — | -0.75 | -0.81 | -2.13 | — | — | — | -1.10 |
| Interest Coverage | 116.00 | 116.00 | 8.14 | 8.88 | -7.00 | -28.00 | 1.82 | 26.36 |
Net cash position: cash ($98M) exceeds total debt ($0)
NRDS Liquidity & Efficiency
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 | — | — | — | — | — | — | — | — |
NRDS Shareholder Yields
Earnings, FCF, buyback, and dividend yields — total returns to shareholders
NerdWallet, Inc. returns 11.5% to shareholders annually primarily through share buybacks. The earnings yield of 7.6% (inverse of P/E) provides a useful comparison to bond yields when assessing the stock's relative attractiveness to fixed income.
Dividends
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 | — | — | — | — | — | — | — | — |
Total Shareholder Return Metrics
| Metric | TTM | FY 2025 | FY 2024 | FY 2023 | FY 2022 | FY 2021 | FY 2020 | FY 2019 |
|---|---|---|---|---|---|---|---|---|
| Earnings Yield | 7.6% | 4.7% | 2.9% | — | — | — | — | — |
| FCF Yield | 21.4% | 12.7% | 6.8% | 3.8% | — | — | — | — |
| Buyback Yield | 11.5% | — | — | — | — | — | — | — |
| Total Shareholder Yield | 11.5% | — | — | — | — | — | — | — |
| Shares Outstanding | — | $76M | $79M | $77M | $71M | $67M | $66M | $66M |
Peer Comparison
Compare NRDS with 10 similar companies in its peer group
| Company | Market Cap | P/E | EV/EBITDA | P/FCF | Gross Margin | Op Margin | ROE | ROIC | Debt/EBITDA |
|---|---|---|---|---|---|---|---|---|---|
 NRDSYou | $610M | 13.1 | 4.4 | 4.7 | 92.4% | 8.3% | 13.2% | 14.0% | — |
 TREE | $541M | 3.6 | 8.6 | 8.9 | 94.3% | 7.3% | 76.5% | 9.0% | 4.2 |
 BFIN | $150M | 36.4 | 13.4 | 27.3 | 66.2% | 6.8% | 2.6% | 1.9% | 7.5 |
 QNST | $750M | 161.8 | 21.5 | 9.0 | 10.1% | 0.6% | 2.0% | 2.8% | 0.3 |
 EVO | $909M | -8.0 | — | — | 8.3% | -17.9% | -11.3% | -10.5% | — |
 SOFI | $23B | 45.9 | 26.0 | — | 75.1% | 11.0% | 5.7% | 3.6% | 2.4 |
 UPST | $3B | 72.1 | 54.3 | — | 95.2% | 5.1% | 7.5% | 1.7% | 23.4 |
 LC | $2B | 16.7 | 3.3 | — | 64.7% | 25.0% | 9.5% | 17.3% | 0.0 |
 DAVE | $4B | 23.2 | 87.7 | 14.6 | 79.8% | 8.0% | 73.1% | 11.1% | 1.6 |
 MQ | $2B | -129.3 | — | 10.2 | 11.2% | -4.7% | -1.5% | — | — |
 V | $628B | 32.1 | 25.1 | 29.1 | 80.4% | 60.0% | 52.1% | 29.2% | 1.0 |
| Financial Services Median | — | 13.6 | 11.4 | 11.1 | 64.1% | 20.3% | 9.0% | 5.5% | 4.3 |
Peer selection based on competitive and market overlap. Compare multiple stocks →
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Includes 30+ ratios · 7 years · Updated daily
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NRDS — Frequently Asked Questions
Quick answers to the most common questions about buying NRDS stock.
What is NerdWallet, Inc.'s P/E ratio?
NerdWallet, Inc.'s current P/E ratio is 13.1x. The historical average is 27.6x.
What is NerdWallet, Inc.'s EV/EBITDA?
NerdWallet, Inc.'s current EV/EBITDA is 4.4x. This enterprise value multiple compares the company's total value (equity + debt - cash) to its EBITDA. The historical average is 19.7x.
What is NerdWallet, Inc.'s ROE?
NerdWallet, Inc.'s return on equity (ROE) is 13.2%. The historical average is 43.4%.
Is NRDS stock overvalued?
Based on historical data, NerdWallet, Inc. is trading at a P/E of 13.1x. Compare with industry peers and growth rates for a complete picture.
What are NerdWallet, Inc.'s profit margins?
NerdWallet, Inc. has 92.4% gross margin and 8.3% operating margin.