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NerdWallet

NRDS Small Cap

Communication Services · Internet Content & Information

Updated: May 22, 2026, 22:06 UTC

$8.35
+1.83% today
52W: $7.33 – $16.24
52W Low: $7.33 Position: 11.4% 52W High: $16.24

Key Metrics

P/E Ratio
8.98x
Price-to-Earnings
Forward P/E
4.06x
Forward Price/Earnings
P/S Ratio
0.65x
Price-to-Sales
EV/EBITDA
4.67x
Enterprise Value/EBITDA
Div. Yield
Annual dividend yield
Market Cap
$549.4M
Market Capitalization
Revenue Growth
6.2%
YoY Revenue Growth
Profit Margin
8.11%
Net profit margin
ROE
19.47%
Return on Equity
Beta
1.34
Market sensitivity
Short Interest
17.06%
% of float sold short
Avg. Volume
997,039
Average daily volume

Valuation Analysis

Signal
Undervalued
vs. S&P 500 avg P/E (24.7x)
Analyst Consensus
Buy
6 analysts
Avg. Price Target
$13.17
+57.68% upside
Target Range
$9.00 – $17.00

About the Company

NerdWallet, Inc. operates a digital platform that provides financial guidance to consumers and small and mid-sized businesses (SMB) in the United States, the United Kingdom, Australia, and Canada. It offers editorial and content publishing, a consumer and SMB financial education, tools, calculators, guides, and research published under the NerdWallet brand; Marketplace And Referral Services, a tool that enable users to compare, pre-qualify for, or connect with third-party providers of credit cards, consumer loans, small business loans, insurance, mortgages, financial services, and related products, as well as services including fundera, nerdwallet insurance services, nerdwallet advisory, and nerdwallet compare; and Financial Services, a brokerage and advisory services provided by insurance

Sector: Communication Services Industry: Internet Content & Information Country: United States Employees: 650 Exchange: NGM

NerdWallet Stock at a Glance

NerdWallet (NRDS) is currently trading at $8.35 with a market capitalization of $549.4M. The trailing P/E ratio stands at 8.98x, with a forward P/E of 4.06x. The 52-week range spans from $7.33 to $16.24; the current price is 48.6% below the yearly high. Year-over-year revenue growth stands at +6.2%. The net profit margin stands at 8.11%.

💰 Dividend

NerdWallet currently does not pay a dividend. The company typically reinvests its earnings into growth initiatives and product development.

📊 Analyst Rating

6 analysts rate NerdWallet (NRDS) on consensus: Buy. The average price target is $13.17, implying +57.68% from the current price. Analyst price targets range from $9.00 to $17.00.

Investment Thesis: Strengths & Weaknesses

Strengths
  • High return on equity (19.47% ROE)
  • High gross margin of 93.04% — indicates pricing power
  • Analyst consensus: Buy
  • Currently flagged as undervalued
  • Solid balance sheet with low debt (D/E 6.69)
  • Positive free cash flow
Weaknesses
  • High short interest (17.06%)

Technical Snapshot

50-Day MA
$10.06
-17% vs. price
200-Day MA
$11.48
-27.26% vs. price
Below 52W High
−48.6%
$16.24
Above 52W Low
+13.9%
$7.33

Price is below both the 50- and 200-day moving averages, with 50d below 200d — a bearish picture (death-cross alignment).

Risk Profile

Market Risk (Beta)
1.34 · Elevated
Moves more than the overall market
Short Interest
17.06% · High
% of float sold short
Debt-to-Equity
6.69 · Low
Total debt / equity

The data points to market-like volatility, elevated short interest (17.06%).

Trading Data

50-Day MA: $10.06
200-Day MA: $11.48
Volume: 1,105,996
Avg. Volume: 997,039
Short Ratio: 9.62
P/B Ratio: 1.63x
Debt/Equity: 6.69x
Free Cash Flow: $93.3M

NerdWallet (NRDS) 2026: 7,77 USD US Personal-Finance Digital-Guidance Platform at 3,78x Forward Earnings with AI-Disruption-Skepticism Discount

The Real Story

NerdWallet Inc. (NASDAQ: NRDS) is a San Francisco-headquartered digital-platform providing financial-guidance to US-and-international consumers and SMB. Lead products: editorial-and-comparison content for credit-cards, mortgages, loans, investing, insurance. Monetization: lead-generation-fees from financial-product-providers.

What Smart Money Thinks

NerdWallet has institutional base. BlackRock at approximately 8,4 percent, Vanguard at approximately 6,8 percent. Founder-CEO Tim Chen holdings approximately 12 percent. Short-interest sits at approximately 10 percent of float as of May 2026.

Explore the BMI Smart-Money Tracker →

📈 The 3 Real Bull Points

#1 3,78x forward earnings reflects extreme AI-disruption-skepticism — re-rating supports 100+ percent upside

Re-rating to 8-12x on consensus fiscal-2027 EPS approximately 2,10 USD supports 17-25 USD.

#2 Founder-CEO Tim Chen 12 percent ownership provides long-duration discipline

Founder-led discipline through cycle plus AI-disruption-narrative compression.

#3 SMB segment growth plus international expansion (UK, Australia, Canada) creates structural-tailwind

SMB-vertical-expansion plus broader-international-monetization creates structural growth.

📉 The 3 Real Bear Points

#1 Generative-AI tools (ChatGPT, Perplexity) disrupt consumer-financial-guidance comparison content

LLM-tools provide consumer-financial-guidance alternative compressing NerdWallet user-flow.

#2 Credit-card and lending-cycle weakness compresses lead-generation revenue

Higher-for-longer rates compress consumer-loan-and-credit-card-issuer marketing spending.

#3 Concentrated revenue mix on credit-card category creates structural exposure

Credit-card category concentration creates structural revenue volatility.

Valuation in Context

NerdWallet at 7,77 USD per share with approximately 65,8 million shares outstanding has a market capitalization of approximately 511 million USD. Forward-P/E 3,78x.

Re-rating to 8-12x on fiscal-2027 EPS 2,10 USD supports 17-25 USD — 119-220 percent upside. Bear-case 4-5 USD. Bull-case 30-38 USD.

🗓️ Next 3 Catalyst Dates

  1. 2026 Q3:

    Q2 2026 earnings. Watch-items: SMB segment growth, AI-disruption-impact.

  2. 2027 Q1:

    Fiscal-2026 full-year results.

  3. 2027 H2:

    Consumer-credit-cycle-recovery milestones.

💬 Daniel's Take

NerdWallet is a deep-value US personal-finance digital-guidance platform with AI-disruption-skepticism discount, founder Tim Chen 12 percent anchor and 3,78x forward earnings. Position-sizing: 0,3–0,8 percent.

Sources (3)

Disclaimer: This article is not investment advice. Investing in stocks carries risks, including total loss.

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