================================================================================ INTRINSIC VALUE (DCF) CALCULATION BREAKDOWN — NASDAQ:NRDS ================================================================================ Target Fair Value: USD 44.66 Current Stock Price: USD 9.09 Market Assessment: 79.6% Undervalued / +391.3% Upside Potential -------------------------------------------------------------------------------- 1. MARKET METRICS RECONCILIATION -------------------------------------------------------------------------------- * Undervaluation Formula: (Fair Value - Current Price) / Fair Value (44.66 - 9.09) / 44.66 = 0.7964 -> 79.6% * Upside Potential Formula: (Fair Value - Current Price) / Current Price (44.66 - 9.09) / 9.09 = 3.9126 -> +391.3% -------------------------------------------------------------------------------- 2. DISCOUNT RATE / COST OF EQUITY (CAPM) -------------------------------------------------------------------------------- * Formula: Risk-Free Rate + (Beta * Equity Risk Premium) * Inputs: Risk-Free Rate = 4.25% Beta = 1.10 ERP = 5.00% * Calculation: 4.25% + (1.10 * 5.00%) = 4.25% + 5.50% = 9.75% (Rounded to 9.8%) -------------------------------------------------------------------------------- 3. 10-YEAR CASH FLOW FORECAST ARCHITECTURE -------------------------------------------------------------------------------- * Base Year Free Cash Flow (FCF0): USD 122.80M (USD 1.8663 per share) * Shares Outstanding: 65.80m (Market Cap 598.11M / Price 9.09) * FCF Margin: 14.5% * Growth Rate Fading Schedule: - Year 1: +15.61% FCF USD 141.97M - Years 2-10: Linear reduction from +15.61% down to +2.50% - Year 10: +2.50% FCF USD 290.01M - Year 11+: +2.50% (Terminal Perpetual Growth Rate) -------------------------------------------------------------------------------- 4. MATHEMATICAL STEPS TO INTRINSIC VALUE -------------------------------------------------------------------------------- * Step A: Present Value of Discrete Cash Flows (Years 1 to 10) PV_Cash_Flows = Sum [ FCF_t / (1 + 0.0975)^t ] for t = 1 to 10 PV_Cash_Flows = USD 1.32B * Step B: Terminal Value (Gordon Growth Model at Year 10) TV_10 = [ FCF_10 * (1 + 0.0250) ] / (0.0975 - 0.0250) TV_10 = [ 290.01M * 1.0250 ] / 0.0725 = USD 4.10B * Step C: Discount the Terminal Value to Present Day PV_TV = 4.10B / (1 + 0.0975)^10 = 4.10B / 2.5354 PV_TV = USD 1.62B * Step D: Equity Value and Fair Value per Share Equity Value = 1.32B + 1.62B = USD 2.94B Fair Value = 2.94B / 65.80m = USD 44.66 -------------------------------------------------------------------------------- 5. FUTURE P/E MULTIPLE BLENDED BENCHMARK -------------------------------------------------------------------------------- * Formula: Sum of (Multiple * Re-normalized Weight) * Inputs: Forward Multiple: 10.6x @ 45% Weight Peer Median (n=31): 20.2x @ 35% Weight Current Multiple: 9.8x @ 20% Weight * Calculation: (10.6 * 0.45) + (20.2 * 0.35) + (9.8 * 0.20) = 4.782 + 7.077 + 1.952 = 13.811x (Rounded to 13.8x) -------------------------------------------------------------------------------- 6. SENSITIVITY OF THE FAIR VALUE -------------------------------------------------------------------------------- * Growth +12.6% -> 39.68 | +15.6% -> 44.66 | +18.6% -> 50.19 * Discount 8.75% -> 52.34 | 9.75% -> 44.66 | 10.75% -> 38.85 ================================================================================

Top Community Narratives

NerdWallet

J_Tyrader

Community Contributor

5/8/26 — NerdWallet: trading 80% below a 9.8%-discounted fair value, with the cash flow to defend it

View narrative

US$44.66

77.6% 저평가

Top Analyst Narratives

16.7% undervalued

AnalystConsensusTarget

2mo ago

Digital Finance And AI Will Unlock New Opportunities

AI Search Shift Will Erode Traffic And Squeeze Margins Over Time

33.3% undervalued

AnalystHighTarget

1mo ago

AI Traffic Catalysts And Below Prime Expansion Will Support Stronger NerdWallet Prospects

View all narratives

NerdWallet, Inc. 경쟁사

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NYSE:OPFI

US$584.5m

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NasdaqGS:TREE

US$444.2m

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NasdaqGS:WRLD

US$849.2m

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NYSE:FINV

US$1.1b

가격 이력 및 성과

NerdWallet 주가의 최고가, 최저가 및 변동 요약
과거 주가
현재 주가	US$10.00
52주 최고가	US$16.24
52주 최저가	US$7.33
베타	1.23
1개월 변동	6.61%
3개월 변동	28.70%
1년 변동	-3.29%
3년 변동	14.29%
5년 변동	n/a
IPO 이후 변동	-64.66%

최근 뉴스 및 업데이트

내러티브 업데이트 • Aug 08

NRDS: Lower Earnings Conviction Will Drive A Harsher Market Reassessment

NerdWallet's updated narrative reflects a trimmed analyst price target to $8 from $9, with analysts pointing to adjustments in fair value assumptions, a slightly higher discount rate, and refined views on revenue growth, profit margins, and future P/E expectations. Analyst Commentary Recent research commentary on NerdWallet highlights a more cautious tone from several firms, with a series of reduced price targets reinforcing the idea that analysts see a less generous valuation framework than before.

새로운 내러티브 • Aug 05

5/8/26 — NerdWallet: trading 80% below a 9.8%-discounted fair value, with the cash flow to defend it

NerdWallet trades below the value implied by discounting its own free cash flow. On a two- stage model running 10 years of +15.6% growth fading to a 2.5% terminal rate, discounted at 9.8%, the shares are worth USD 44.66 against a market price of USD 9.09 — a 80% discount, or +391% to fair value.

내러티브 업데이트 • Jul 10

NRDS: Reset Earnings Outlook And Buybacks Will Support Future Upside Potential

NerdWallet’s analyst price target has been reset from $19 to $15, as analysts update their fair value assumptions and P/E expectations in light of revised revenue growth and profit margin outlooks. Analyst Commentary Recent Street research on NerdWallet shows analysts revisiting their price targets and assumptions as they absorb updated revenue and margin expectations.

Recent updates

내러티브 업데이트 • Aug 08

NRDS: Lower Earnings Conviction Will Drive A Harsher Market Reassessment

새로운 내러티브 • Aug 05

5/8/26 — NerdWallet: trading 80% below a 9.8%-discounted fair value, with the cash flow to defend it

내러티브 업데이트 • Jul 10

NRDS: Reset Earnings Outlook And Buybacks Will Support Future Upside Potential

분석 기사 • Jul 03

Does NerdWallet (NASDAQ:NRDS) Deserve A Spot On Your Watchlist?

Investors are often guided by the idea of discovering 'the next big thing', even if that means buying 'story stocks...

Seeking Alpha • Jun 29

NerdWallet: Priced For A Melt That Isn't Happening

Summary NerdWallet is rated a Strong Buy with a $12 price target, reflecting 43% upside and a conservative valuation floor. NRDS is successfully pivoting from SEO-dependent referrals to higher-margin, vertically integrated transactions, driving revenue and free cash flow growth despite declining traffic. The company trades at just 3.5x 2025 EBITDA and an 18% free cash flow yield, well below peers, with robust buybacks providing downside support. Risks include AI-driven search erosion outpacing the pivot, margin sustainability, and decelerating revenue growth, but current valuation already prices in severe pessimism. Read the full article on Seeking Alpha

내러티브 업데이트 • Jun 26

NRDS: Execution Risks And Buybacks Will Shape Future Market Reassessment

NerdWallet's updated analyst price target moves from $13 to $9, as analysts factor in more cautious assumptions for fair value, revenue growth, profit margins, and future P/E multiples, which are reflected in recent target cuts from several research firms. Analyst Commentary Recent Street research on NerdWallet points to a more cautious tone, with several bearish analysts trimming price targets by US$2 to US$3.

내러티브 업데이트 • Jun 11

NRDS: Performance Marketing Efficiency Will Drive Future Earnings Visibility And Profitability

Narrative Update on NerdWallet NerdWallet's analyst-derived fair value estimate has been revised from $12.83 to $12.00, as analysts factor in a lower future P/E assumption and recent cuts to Street price targets following concerns around earnings expectations, marketing efficiency, and liquidity. Analyst Commentary Recent Street research has tilted cautious on NerdWallet, with multiple price target cuts and at least one downgrade tied to concerns about earnings expectations, marketing returns, and liquidity.

내러티브 업데이트 • May 28

NRDS: Performance Marketing Investments Will Support Future Earnings Visibility Despite Execution Concerns

Analysts have trimmed NerdWallet's implied fair value by about $2.50 per share to $12.83 as they factor in softer revenue growth and profit margin assumptions, which are partly offset by a slightly higher future P/E multiple. Analyst Commentary Recent Street research on NerdWallet clusters around lower price targets and a more cautious stance on execution, particularly around marketing efficiency, earnings visibility, and balance sheet flexibility.

내러티브 업데이트 • Mar 11

NRDS: Performance Marketing And Buybacks Will Support Future Earnings Visibility

Analysts have trimmed their average price target on NerdWallet to $15 from about $16, reflecting lower assumed future P/E multiples and slightly softer profit margin expectations, even as they highlight recent revenue and EBITDA outperformance supported by stronger contributions from Loans, Insurance and Banking. Analyst Commentary Bullish Takeaways Bullish analysts point to Q4 revenue and EBITDA that came in ahead of Street estimates, with revenue about 7% above expectations and EBITDA roughly US$1m higher, as evidence that NerdWallet is executing well against current forecasts.

내러티브 업데이트 • Feb 24

NRDS: Expanded Buybacks Will Support Future Earnings Visibility

Analysts have kept their $16.17 price target for NerdWallet broadly unchanged, citing only small adjustments to their discount rate, long-term revenue growth, profit margin, and future P/E assumptions as the reasons for this stable view. What's in the News On September 16, 2025, NerdWallet announced a change in its equity buyback plan terms, increasing its share repurchase authority by US$50 million to a total authorization of US$125 million (Key Developments).

내러티브 업데이트 • Feb 09

NRDS: Paid Marketing And Buybacks Will Support Future Earnings Visibility

Narrative Update Analysts have lifted their price target on NerdWallet to US$18 from US$16. They cite higher expected 2025 and 2026 EBITDA driven by stronger paid marketing performance and a broader product set that is helping deepen consumer relationships and support earnings visibility.

내러티브 업데이트 • Jan 25

NRDS: Paid Marketing Profit And Buybacks Will Support Future Earnings Visibility

Analysts have lifted their 12 month price target for NerdWallet to US$18 from US$16, pointing to higher 2025 and 2026 EBITDA assumptions tied to stronger variable marketing profit, a broader product suite that is resonating with sub prime consumers, and efforts to build more recurring user relationships that they believe could support the valuation multiple. Analyst Commentary Analysts are updating their views on NerdWallet around higher EBITDA assumptions and how effectively the company can turn its content reach and product breadth into more stable, recurring user activity.

내러티브 업데이트 • Jan 10

NRDS: Paid Marketing And Buybacks Will Support Future Earnings Visibility

Analysts have raised their price target on NerdWallet by $2 to $18, citing higher expected 2025 and 2026 EBITDA from improved paid marketing effectiveness across a broader product set and a focus on more vertically integrated, recurring customer relationships. Analyst Commentary Bullish analysts are tying their higher price target to updated 2025 and 2026 EBITDA expectations and what they see as improving execution on NerdWallet's paid marketing and product expansion efforts.

내러티브 업데이트 • Dec 25

NRDS: Expanded Sub Prime Marketing And Buybacks Will Drive Future Earnings Visibility

Analysts have raised their price target on NerdWallet to $18 from $16. They cite higher projected 2025 and 2026 EBITDA driven by stronger variable marketing profits from an expanded product suite and deeper, recurring consumer relationships that support improved earnings visibility and valuation multiples.

내러티브 업데이트 • Dec 10

NRDS: Expanded Sub Prime Focus And Buybacks Will Shape Future Earnings Visibility

Analysts have raised their price target on NerdWallet to $18 from $16, citing higher expected 2025 and 2026 EBITDA driven by improved paid marketing efficiency, a broader product suite focused on sub prime consumers, and growing recurring customer relationships that support stronger earnings visibility and valuation multiples. Analyst Commentary Recent research updates highlight a constructive view on NerdWallet's medium term earnings power, driven by improved marketing efficiency and a more diversified product mix aimed at sub prime consumers.

내러티브 업데이트 • Nov 26

NRDS: Recurring Relationships And Expanded Offerings Will Balance Risks Ahead

NerdWallet's analyst price target has been increased from $15.83 to $16.17. Analysts cite improved marketing effectiveness, greater product suite depth, and stronger recurring consumer relationships as factors driving higher earnings visibility and justifying the upward revision.

내러티브 업데이트 • Nov 11

NRDS: Projected Revenue Uplift And Buyback Plan Will Balance Risks And Rewards

NerdWallet's analyst price target has been raised from $14.50 to $15.83 because analysts note improvements in projected revenue growth and profit margins, which offset a slightly higher discount rate and a lower forward P/E valuation. What's in the News NerdWallet has issued earnings guidance for the fourth quarter of 2025, projecting revenue between $207 million and $215 million.

내러티브 업데이트 • Aug 08

Digital Finance And AI Will Unlock New Opportunities

NerdWallet’s target price was revised downward, primarily due to a material decrease in consensus revenue growth forecasts and a concurrent rise in future P/E, resulting in a new fair value estimate of $14.50 per share. What's in the News NerdWallet raised its full-year 2025 GAAP operating income guidance to $38 million–$48 million.

새로운 내러티브 • May 15

Insurance And Next Door Lending Will Strengthen Consumer Loyalty

Strength in NerdWallet's Insurance segment and vertical integration could boost revenue growth, net margins, and earnings through market expansion and deeper consumer relationships.

Seeking Alpha • Jan 07

NerdWallet: Moving In The Right Direction

Summary Significant growth in NerdWallet's insurance business and diversified revenue mix are key strengths, with emerging verticals now nearly 50% of quarterly revenue. NerdWallet recently acquired mortgage brokerage, Next Door Lending, which aims to boost revenue by 1-2% in Q4, enhancing vertical integration. Despite a decline in MUUs and traffic, NerdWallet's financials remain strong with no long-term debt and a new stock repurchase plan is a positive for shareholders. Read the full article on Seeking Alpha

Seeking Alpha • Nov 08

NerdWallet: Insurance Category Is Driving Hyper-Growth

Summary Shares of NerdWallet have soared after the company posted much better than expected Q3 results. Revenue growth accelerated sharply to 25% y/y, driven by an uptick in consumers shopping around for new insurance plans. Still, we have to watch out for softer traffic trends, which the company expects to get worse heading into Q4. I continue to find an attractive risk-reward profile in NerdWallet, especially with the stock trading at just ~9x adjusted EBITDA. Read the full article on Seeking Alpha

Seeking Alpha • Oct 29

NerdWallet Is A High-Quality Business At An Inflection Point

Summary NerdWallet, a founder-led business, is at an inflection point with revenue growth and profit margins expected to rise significantly. Despite traffic declines in 3Q, NerdWallet is gaining market share and traffic significantly recovered so far in October. Long-term street estimates are far too low, and the company is starting to significantly buyback stock. I estimate the business will generate over $5/share of FCF in 2030 and could be worth $100 by then, giving the stock significant upside potential. Read the full article on Seeking Alpha

Seeking Alpha • Oct 08

NerdWallet: Not Looking To Add To My Position, Downgrade To Hold

Summary NerdWallet's Q2 2024 revenue increased by 5% YoY, but credit card and loans revenue has declined and Nerdwallet also missed EPS by $0.07. NRDS announced the company is letting go of 15% of their staff in an attempt to cut costs. I believe in its long-term vision of the Nerdwallet but slowing MUU growth and impactful macro conditions to the company give me pause. Read the full article on Seeking Alpha

Seeking Alpha • Aug 06

NerdWallet: Time To Get Nerdy

Summary NerdWallet, Inc. shares dropped 31.5% after Q2 results, driven by restructuring and a decline in monthly unique users. Despite mixed financial performance, the company's revenue grew 5.1% and most profitability metrics improved year over year. Management's cost-cutting measures and strong Q3 guidance make NerdWallet a potential value buy with no debt and ample cash reserves. Read the full article on Seeking Alpha

Seeking Alpha • Jun 28

NerdWallet: Don't Miss Out On This Secular Growth Opportunity

Summary NerdWallet Inc.'s stock has surged by over 40% year-over-year but remains below its IPO price. The company's vertically integrated model will likely sustain its secular growth trajectory. Strong support from NerdWallet's Fundera and Barrelhead acquisitions has bolstered the firm's growth multiplier. Aggressive investing in Research & Development and marketing could result in market share expansion. We believe the stock is grossly undervalued, Wall Street analysts concur. Read the full article on Seeking Alpha

Seeking Alpha • Jun 06

NerdWallet: Growth Story Remains Intact

Summary NerdWallet stock has fallen in recent months as revenue declined 5% in the current quarter amongst a difficult macroeconomic environment. Despite this decline, the company did well managing marketing spend as operating income was higher compared to Q1 2023. NerdWallet's monthly unique users hit a record of 29 million, which is a 25% increase year-over-year. Read the full article on Seeking Alpha

Seeking Alpha • Apr 07

NerdWallet: Mismatch Between Valuations And Growth Prospects

Summary NerdWallet's goal is to register a 15% operating profit margin by 2026 and a yearly +15-20% top-line expansion for the long term. NRDS' current mid-teens P/E multiple is attractive, as I expect the company to achieve a long-term bottom line growth rate that exceeds a mid-teens percentage. The company's recently released long term financial targets aren't fully reflected in the stock's valuations, which translates into a Buy rating for NerdWallet. Read the full article on Seeking Alpha

분석 기사 • Feb 13

NerdWallet, Inc.'s (NASDAQ:NRDS) Business Is Yet to Catch Up With Its Share Price

When close to half the companies in the Consumer Finance industry in the United States have price-to-sales ratios (or...

Seeking Alpha • Jan 19

NerdWallet: Growth To Continue In 2024

Summary In the quarter, NerdWallet's monthly unique users increased by 22% as the company is growing market share in the US. NerdWallet's revenues grew by over 7% year-over-year as the company is getting closer to GAAP profitability. NerdWallet launched a new credit card in the quarter, NerdUp which could open many more possibilities for the company. Read the full article on Seeking Alpha

분석 기사 • Oct 28

NerdWallet, Inc. (NASDAQ:NRDS) Investors Are Less Pessimistic Than Expected

NerdWallet, Inc.'s ( NASDAQ:NRDS ) price-to-sales (or "P/S") ratio of 1.2x may not look like an appealing investment...

Seeking Alpha • Sep 05

NerdWallet: Challenging Times

Summary NerdWallet stock has fallen by -39% in 2022 year-to-date, as its revenue growth slowed as a result of weak mortgage demand. Putting short-term challenges aside, I have a positive view of NRDS' cost levers and revenue growth drivers. NRDS shares are rated as a Hold, as I think that its near-term outlook will remain challenging, notwithstanding the company's long-term profitability and growth potential. Elevator Pitch I assign a Hold investment rating to NerdWallet, Inc.'s (NRDS) stock. NerdWallet refers to itself as "a personal finance website and app" which helps "consumers in the U.S., UK and Canada" with "life's financial decisions" in the company's press releases. I have a Hold rating for NerdWallet's stock. I am of the view that the near-term prospects for NRDS won't be good, as the company will struggle to generate strong revenue growth (as it did in the past) in tough times like these. On the flip side, NerdWallet is well-positioned for robust growth and improved profitability in the long term, if one looks past short-term challenges. A Hold rating for NRDS is fair, taking into account the company's outlook for both the short-term and long-term. NerdWallet's Poor Share Price Performance NerdWallet's shares were first listed on Nasdaq on November 4, 2021, and NRDS's last done stock price of $9.76 as of September 2, 2022 is -46% lower than its $18.00 IPO price. Year-to-date in 2022, NerdWallet's stock has dropped by -39% in contrast with a more modest -18% pullback for the S&P 500 in the same period. The weak stock price performance for NerdWallet this year thus far is easily understood, when one looks at the company's recent financial results. According to data taken from S&P Capital IQ, NerdWallet's revenue growth on a YoY basis has moderated from +95% for Q2 2021 and +43% for Q1 2022 to +37% in Q2 2022. With the slowdown in its top line expansion, the consensus forward next twelve months' Enterprise Value-to-Revenue valuation multiple for NRDS has compressed from 2.46 times as of January 3, 2022 to 1.09 times as of September 2, 2022 according to S&P Capital IQ. NRDS saw the company's segment revenue for the loans business decrease by -26% YoY and -30% QoQ to $24.0 million in the second quarter of 2022, as indicated in its Q2 2022 financial results media release. This was the key factor contributing to the moderation in its overall top line growth for the recent quarter as discussed earlier. NerdWallet explained at its Q2 2022 results briefing on August 7, 2022 that "mortgages" were the weak spot for the company and its loans business segments considering that "rising interest rates have driven lower consumer demand consistently throughout the year." Considering the current market environment, it is reasonable to assume that NRDS' financial performance will be muted in the short term. This is validated by consensus sell-side financial projections (source: S&P Capital IQ) pointing to a slowdown in NerdWallet's full-year top line growth from +37% in FY 2022 to +19% for FY 2023. For the rest of the article, I discuss about NerdWallet's expense levers and top line growth opportunities. Cost Levers It is encouraging that NerdWallet has managed the company's costs well. Although it is almost inevitable that revenue growth for NRDS will slow in a challenging market environment, the company is still confident in its ability to improve operating profitability. At the company's Q2 2022 earnings call, NRDS has guided for a "year-over-year increase in our 2022 annual adjusted EBITDA margin" and it also reiterated its "commitment to improve full year margins" for "the longer term." The Wall Street analysts believe that NerdWallet can achieve its management guidance in relation to profitability. As per consensus data sourced from S&P Capital IQ, the EBITDA margin for NRDS is forecasted to increase from 7.1% in fiscal 2021 to 8.9% in fiscal 2022, before rising further to 9.4% and 11.9% for FY 2023 and FY 2024, respectively. NerdWallet's most recent quarterly financial performance gives investors' confidence that the company can deliver on its operating profit margin goals. The company's cost levers lie in the area of sales and marketing. NerdWallet's sales and marketing expenses increased by just +8% YoY in Q2 2022, as compared with its top line expansion of +37% YoY in the recent quarter. Specifically, NRDS has the flexibility to reduce brand marketing and performance marketing costs in the near term assuming the economic environment takes a turn for the worse. In the medium term, NerdWallet should be a beneficiary of positive operating leverage, as the company's spending on editors doesn't need to grow in lockstep with revenue. Revenue Growth Drivers In its November 2021 IPO prospectus, NerdWallet cites research from eMarketer which estimates that "financial services digital advertising spend" for the US and the world were $23 billion and $73 billion, respectively. In comparison, the trailing twelve months' revenue for NRDS was $452 million, which represents 2.0% and 0.6% of its domestic and global addressable markets, respectively. There are a number of growth drivers in place for NerdWallet to grab a larger market share. The first growth driver is greater monetization.

주주 수익률

	NRDS	US Consumer Finance	US 시장
7D	13.1%	1.1%	1.7%
1Y	-3.3%	5.7%	20.0%

수익률 대 산업: NRDS은 지난 1년 동안 5.7%의 수익을 기록한 US Consumer Finance 산업보다 저조한 성과를 냈습니다.

수익률 대 시장: NRDS은 지난 1년 동안 20%를 기록한 US 시장보다 저조한 성과를 냈습니다.

주가 변동성

Is NRDS's price volatile compared to industry and market?
NRDS volatility
NRDS Average Weekly Movement	6.1%
Consumer Finance Industry Average Movement	7.4%
Market Average Movement	7.2%
10% most volatile stocks in US Market	16.2%
10% least volatile stocks in US Market	3.1%

안정적인 주가: NRDS는 지난 3개월 동안 US 시장에 비해 주가 변동성이 크지 않았습니다.

시간에 따른 변동성: NRDS의 주간 변동성(6%)은 지난 1년 동안 안정적이었습니다.

회사 소개

설립	직원 수	CEO	웹사이트
2009	650	Tim Chen	www.nerdwallet.com

는 미국, 영국, 호주, 캐나다의 소비자와 중소기업(SMB)에 재정 관련 지침을 제공하는 디지털 플랫폼을 운영하고 있습니다. 이 회사는 편집 및 콘텐츠 게시, 소비자 및 중소기업 금융 교육, 도구, 계산기, 가이드, NerdWallet 브랜드로 출판된 리서치를 제공합니다; 사용자가 신용카드, 소비자 대출, 중소기업 대출, 보험, 모기지, 금융 서비스 및 관련 상품을 비교, 사전 자격 심사 또는 타사 제공업체와 연결할 수 있는 도구인 마켓플레이스 및 추천 서비스, 펀데라, 너드월렛 보험 서비스, 너드월렛 자문, 너드월렛 비교 등의 서비스, 보험 대행사, 대출 및 모기지 중개업체, 투자 자문 자회사에서 제공하는 중개 및 자문 서비스인 금융 서비스 등을 제공하고 있습니다. 또한 교육을 위해 학생들에게 금융 및 재융자 서비스를 제공합니다.

NerdWallet, Inc. 기초 지표 요약

NerdWallet의 순이익과 매출은 시가총액과 어떻게 비교됩니까?
NRDS 기초 통계
시가총액	US$616.86m
순이익 (TTM)	US$65.00m
매출 (TTM)	US$860.00m

9.8x

주가수익비율(P/E)

0.7x

주가매출비율(P/S)

NRDS는 고평가되어 있습니까?

공정 가치 및 평가 분석 보기

순이익 및 매출

최근 실적 보고서(TTM)의 주요 수익성 지표
NRDS 손익계산서 (TTM)
매출	US$860.00m
매출원가	US$55.90m
총이익	US$804.10m
기타 비용	US$739.10m
순이익	US$65.00m

최근 보고된 실적

Jun 30, 2026

다음 실적 발표일

해당 없음

주당순이익(EPS)	1.02
총이익률	93.50%
순이익률	7.56%
부채/자본 비율	1.6%

NRDS의 장기 실적은 어땠습니까?

과거 실적 및 비교 보기

기업 분석 및 재무 데이터 상태

데이터	최종 업데이트 (UTC 시간)
기업 분석	2026/08/13 07:41
종가	2026/08/13 00:00
수익	2026/06/30
연간 수익	2025/12/31

데이터 소스

당사의 기업 분석에 사용되는 데이터는 S&P Global Market Intelligence LLC에서 제공됩니다. 아래 데이터는 이 보고서를 생성하기 위해 분석 모델에서 사용됩니다. 데이터는 정규화되므로 소스가 제공된 후 지연이 발생할 수 있습니다.

패키지	데이터	기간	미국 소스 예시 ^*
기업 재무제표	10년	손익계산서 현금흐름표 대차대조표	SEC 양식 10-K SEC 양식 10-Q
분석가 컨센서스 추정치	+3년	재무 예측 분석가 목표주가	분석가 리서치 보고서 Blue Matrix
시장 가격	30년	주가 배당, 분할 및 기타 조치	ICE 시장 데이터 SEC 양식 S-1
지분 구조	10년	주요 주주 내부자 거래	SEC 양식 4 SEC 양식 13D
경영진	10년	리더십 팀 이사회	SEC 양식 10-K SEC 양식 DEF 14A
주요 개발	10년	회사 공시	SEC 양식 8-K

^* 미국 증권에 대한 예시이며, 비(非)미국 증권에는 해당 국가의 규제 서식 및 자료원을 사용합니다.

별도로 명시되지 않는 한 모든 재무 데이터는 연간 기간을 기준으로 하지만 분기별로 업데이트됩니다. 이를 TTM(최근 12개월) 또는 LTM(지난 12개월) 데이터라고 합니다. 자세히 알아보기.

분석 모델 및 스노우플레이크

이 보고서를 생성하는 데 사용된 분석 모델의 세부 정보는 당사의 GitHub 페이지에서 확인하실 수 있습니다. 또한 보고서 사용 방법에 대한 가이드와 YouTube 튜토리얼도 제공하고 있습니다.

Simply Wall St 분석 모델을 설계하고 구축한 세계적 수준의 팀에 대해 알아보세요.

산업 및 섹터 지표

산업 및 섹터 지표는 Simply Wall St가 6시간마다 계산하며, 프로세스에 대한 자세한 내용은 Github에서 확인할 수 있습니다.

분석가 소스

NerdWallet, Inc.는 9명의 분석가가 다루고 있습니다. 이 중 6명의 분석가가 우리 보고서에 입력 데이터로 사용되는 매출 또는 수익 추정치를 제출했습니다. 분석가의 제출 자료는 하루 종일 업데이트됩니다.

분석가	기관
Ross Sandler	Barclays
Nathaniel Schindler	BofA Global Research
Peter Christiansen	Citigroup Inc

NerdWallet (NRDS) 주식 개요

강점

위험 분석

Analyst Price Targets

Digital Finance And AI Will Unlock New Opportunities

AI Search Shift Will Erode Traffic And Squeeze Margins Over Time

AI Traffic Catalysts And Below Prime Expansion Will Support Stronger NerdWallet Prospects

Top Community Narratives

5/8/26 — NerdWallet: trading 80% below a 9.8%-discounted fair value, with the cash flow to defend it

Top Community Narratives

5/8/26 — NerdWallet: trading 80% below a 9.8%-discounted fair value, with the cash flow to defend it

Top Analyst Narratives

Digital Finance And AI Will Unlock New Opportunities

AI Search Shift Will Erode Traffic And Squeeze Margins Over Time

AI Traffic Catalysts And Below Prime Expansion Will Support Stronger NerdWallet Prospects

NerdWallet, Inc. 경쟁사

OppFi

LendingTree

World Acceptance

FinVolution Group

가격 이력 및 성과

최근 뉴스 및 업데이트

Nerdwallet, Inc. Provides Earnings Guidance for the Third Quarter of 2026

NRDS: Lower Earnings Conviction Will Drive A Harsher Market Reassessment

Second quarter 2026 earnings: Revenues exceed analysts expectations while EPS lags behind

5/8/26 — NerdWallet: trading 80% below a 9.8%-discounted fair value, with the cash flow to defend it

NerdWallet, Inc. to Report Q2, 2026 Results on Aug 06, 2026

NRDS: Reset Earnings Outlook And Buybacks Will Support Future Upside Potential

Recent updates

Nerdwallet, Inc. Provides Earnings Guidance for the Third Quarter of 2026

NRDS: Lower Earnings Conviction Will Drive A Harsher Market Reassessment

Second quarter 2026 earnings: Revenues exceed analysts expectations while EPS lags behind

5/8/26 — NerdWallet: trading 80% below a 9.8%-discounted fair value, with the cash flow to defend it

NerdWallet, Inc. to Report Q2, 2026 Results on Aug 06, 2026

NRDS: Reset Earnings Outlook And Buybacks Will Support Future Upside Potential

Does NerdWallet (NASDAQ:NRDS) Deserve A Spot On Your Watchlist?

NerdWallet: Priced For A Melt That Isn't Happening

NRDS: Execution Risks And Buybacks Will Shape Future Market Reassessment

NRDS: Performance Marketing Efficiency Will Drive Future Earnings Visibility And Profitability

NRDS: Performance Marketing Investments Will Support Future Earnings Visibility Despite Execution Concerns

NerdWallet Inc. Launches Consumer Financial Resilience Index

Price target decreased by 11% to US$12.83

NerdWallet, Inc. to Report Q1, 2026 Results on May 06, 2026

NerdWallet, Inc. (NasdaqGM:NRDS) completed the acquisition of College Finance Company, LLC from inspHIRE IO Corp.

NRDS: Performance Marketing And Buybacks Will Support Future Earnings Visibility

NerdWallet, Inc. Provides Earnings Guidance for the First Quarter and Full Year of 2026

NRDS: Expanded Buybacks Will Support Future Earnings Visibility

NRDS: Paid Marketing And Buybacks Will Support Future Earnings Visibility

NerdWallet, Inc. to Report Q4, 2025 Results on Feb 25, 2026

NRDS: Paid Marketing Profit And Buybacks Will Support Future Earnings Visibility

NRDS: Paid Marketing And Buybacks Will Support Future Earnings Visibility

NRDS: Expanded Sub Prime Marketing And Buybacks Will Drive Future Earnings Visibility

NRDS: Expanded Sub Prime Focus And Buybacks Will Shape Future Earnings Visibility

NRDS: Recurring Relationships And Expanded Offerings Will Balance Risks Ahead

NRDS: Projected Revenue Uplift And Buyback Plan Will Balance Risks And Rewards

NerdWallet, Inc. Provides Earnings Guidance for Fourth Quarter of 2025

NerdWallet, Inc. to Report Q3, 2025 Results on Nov 06, 2025

Digital Finance And AI Will Unlock New Opportunities

NerdWallet, Inc. Revises Earnings Guidance for the Full Year 2025

NerdWallet, Inc. to Report Q2, 2025 Results on Aug 07, 2025

NerdWallet, Inc. Announces Board and Audit Committee Changes

Insurance And Next Door Lending Will Strengthen Consumer Loyalty

NerdWallet, Inc. Provides Earnings Guidance for the Second Quarter of 2025

NerdWallet, Inc. to Report Q1, 2025 Results on May 06, 2025

NerdWallet, Inc., Annual General Meeting, May 21, 2025

Nerdwallet, Inc. Appoints Nicholas Tatum as Chief Accounting Officer and Principal Accounting Officer

NerdWallet, Inc. Provides Earnings Guidance for the First Quarter and Year Ending 2025; Provides Guidance for 2026

NerdWallet, Inc. to Report Q4, 2024 Results on Feb 19, 2025

NerdWallet: Moving In The Right Direction

NerdWallet: Insurance Category Is Driving Hyper-Growth

NerdWallet, Inc. (NasdaqGM:NRDS) acquired Next Door Lending LLC for $1 million.

NerdWallet Is A High-Quality Business At An Inflection Point

NerdWallet, Inc. to Report Q3, 2024 Results on Oct 29, 2024

NerdWallet: Not Looking To Add To My Position, Downgrade To Hold

NerdWallet, Inc. (NasdaqGM:NRDS) announces an Equity Buyback for $50 million worth of its shares.

NerdWallet: Time To Get Nerdy

NerdWallet, Inc. Provides Earnings Guidance for the Third Quarter and Full Year of 2024

NerdWallet, Inc. to Report Q2, 2024 Results on Jul 31, 2024

NerdWallet: Don't Miss Out On This Secular Growth Opportunity

NerdWallet: Growth Story Remains Intact