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Verdict
Quantitative factor alignment verified for current market regime.
Quant Score
Rank
#1093
Positioning
Market Dominance
Services
Business Services
$818M
Tim Chen
NerdWallet, Inc. operates a digital platform that provides consumer-driven advice about personal finance. The company's platform offers guidance to consumers through educational content, tools and calculators. It serves customers in the United States, the United Kingdom, and Canada.
Headcount
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X-AXIS: EV/EBITDA (LOWER = CHEAPER) | Y-AXIS: ROE (HIGHER = ELITE) | RED CIRCLE = NRDS ANALYSIS TARGET
| Stock | Rating | Score▼ | Quality | Value | Momentum | P/E | EV/EBITDA | ROE | ROA | Gross Mgn | Op Mgn | Net Mgn | Rev Growth | Div Yield | D/E | Mkt Cap | AUDIT |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
$YALA Yalla Group Ltd | 75 | 89 | 99 | 80 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$GRVY GRAVITY Co., Ltd. | 75 | 82 | 96 | 71 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$ISSC INNOVATIVE SOLUTIONS & SUPPORT INC | 73 | 81 | 88 | 94 | 25.0x | 14.1x | 17.1% | 10.3% | 35.5% | 14.6% | 10.1% | 105.2% | 0.0% | 41.0x | $244M | VS | |
$AER AerCap Holdings N.V. | 72 | 60 | 87 | 84 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$HCSG HEALTHCARE SERVICES GROUP INC | 72 | 74 | 88 | 88 | 7.1x | 6.1x | 28.9% | 20.8% | 20.8% | 9.9% | 9.3% | 8.5% | 0.0% | 1.0x | $1.2B | VS | |
$LQDT LIQUIDITY SERVICES INC | 72 | 90 | 88 | 68 | 24.9x | 14.3x | 14.1% | 8.3% | 45.7% | 8.5% | 6.2% | 28.1% | 0.0% | 0.0x | $736M | VS | |
$TRTNpA Triton International Ltd | 71 | 70 | 89 | 70 | - | 1.7x | 0.0% | - | 97.4% | 58.0% | 37.4% | - | 8.8% | 264.0x | $2.5B | VS | |
$EDU New Oriental Education & Technology Group Inc. | 71 | 83 | 52 | 77 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$NTES NetEase, Inc. | 71 | 88 | 93 | 68 | - | - | - | - | - | - | - | - | - | - | $0 | VS | |
$UTI UNIVERSAL TECHNICAL INSTITUTE INC | 70 | 86 | 86 | 72 | 43.2x | 16.0x | 15.3% | 5.8% | 100.0% | 6.9% | 5.2% | 15.1% | 0.0% | 24.0x | $1.8B | VS | |
$NRDS NERDWALLET, INC. | 57 | 80 | 79 | 57 | 21.2x | 14.1x | 8.6% | 7.1% | 91.5% | 6.4% | 4.2% | 42.8% | 0.0% | 22.0x | $818M | ||
| SECTOR BENCH | - | - | - | - | - | 23.7x | 11.7x | 5.7% | 2.4% | 64.6% | 4.5% | 2.8% | 8.6% | 0.0% | 0.3x | - | REF |
NERDWALLET, INC. (NRDS) receives a "Hold" rating with a composite score of 56.5/100. It ranks #1093 out of 7,333 stocks in our coverage universe and carries a 3-star rating. Ratings are driven by a 6-factor quantitative model measuring quality, value, momentum, investment, stability, and short interest.
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770
HQ Base
Pending Verification
In-line with peers — no strong momentum signal
Trading at a discount to fundamentals — favorable entry valuation
High profitability & efficiency — strong quality floor supports entry
Average volatility — neutral timing signal
Aggressive spending — empire-building risk, dilutive growth
Mid-range overall rating
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Relative valuation derived from Services sector benchmarks. Model weights: EV/EBITDA (40%), P/B (35%), P/S (25%). Re-calculated daily.
Projection based on user-defined inputs. Re-calculated daily against current market data.
Reverse DCF Framework — Mauboussin Methodology
Institutional-grade Reverse DCF analysis. This model identifies the growth hurdles embedded in current market prices. When implied growth is significantly lower than historical or projected rates, a margin of safety may exist. Re-audited daily.
No analyst ratings for NRDS.
View All Ratings| Factor | Global | Sector | Tilt |
|---|---|---|---|
| PROFITABILITY | 80 | 94 | -14DRAG |
| MOMENTUM | 57 | 60 | -3NEUTRAL |
| VALUATION | 79 | 89 | -10DRAG |
| INVESTMENT | 31 | 35 | -4NEUTRAL |
| STABILITY | 51 | 52 | -1NEUTRAL |
| SHORT INT | 22 | 8 | +14ALPHA |
Global = full universe. Sector = relative to industry peers. Positive tilt indicates idiosyncratic strength.
ROE proxy 8.6% (sector 5.7%)
GM 92% vs sector 65%, OM 6% vs sector 5%
Capital turnover N/A, R&D intensity 8.2%
Rev growth 43%, 5yr history
Interest coverage 172.0x, Net debt/EBITDA -3.5x
Composite assessment of profitability, capital efficiency, and financial strength. Top-tier entities demonstrate sustainable cash flow generation and elite competitive moats.
Profit generated per dollar of shareholder equity
Efficiency of asset utilization
Pricing power and cost efficiency
Core business profitability
Bottom-line profitability
The Quality factor evaluates the persistence and magnitude of realized cash flows. Companies with scores >70 exhibit superior pricing power and structural financial resilience through diverse economic regimes.
Our uncertainty rating tracks the predictability of future cash flows and potential for permanent capital loss. Moderate visibility with standard industry cyclicality.
We rate NERDWALLET, INC. (NRDS) as a Hold with a composite score of 56.5/100 at a current price of $9.56. The stock presents a mixed quantitative picture — neither compelling enough to warrant new accumulation nor weak enough to justify selling.
NERDWALLET, INC. holds a top-quartile position (#0 of 50) within the Services sector, based on our composite quantitative scoring across quality, value, momentum, and stability factors. The composite score of 56.5/100 places it at rank #1093 in our full universe.
Narrow
Medium
Standard
Undervalued
Gross margins of 92% signal strong pricing power.
Value factor score of 79 suggests attractive pricing.
Stable competitive position in a defensive sector.
Vulnerability to macroeconomic shocks and interest rate volatility.
NERDWALLET, INC. represents a hold based on multi-factor quantitative performance.
Our model assigns NERDWALLET, INC. a Hold rating, with a composite score of 56.5/100 and 3 out of 5 stars. Ranked #1093 of 7,333 stocks, NRDS presents a mixed quantitative picture — neither compelling enough to initiate new positions nor weak enough to warrant selling. Investors already holding may consider maintaining their position while monitoring for changes in the factor profile.
NRDS earns a quality score of 80/100, indicating above-average business quality. The company reports a return on equity of 8.6% (sector avg: 5.7%), gross margins of 91.5% (sector avg: 64.6%), net margins of 4.2% (sector avg: 2.8%). Companies in this tier generally demonstrate consistent profitability and efficient capital deployment, though they may face some competitive pressure.
NRDS carries a solid value score of 79/100, pointing to an attractively priced stock relative to peers. Key valuation metrics include a P/E ratio of 21.19x, an EV/EBITDA of 14.07x, a P/B ratio of 1.83x. This score suggests reasonable compensation for the risks involved, with potential upside if the market recognizes the stock's underlying worth.
NERDWALLET, INC.'s investment score of 31/100 suggests limited reinvestment activity. Key growth metrics include revenue growth of 42.8% vs. a sector average of 8.6% and a return on assets of 7.1% (sector: 2.4%). While this can be positive for mature, cash-generative businesses returning capital to shareholders, it may also signal a lack of growth opportunities or management conservatism.
NRDS demonstrates moderate momentum with a score of 57/100, suggesting a neutral price trend without strong directional conviction. Revenue growth stands at 42.8% year-over-year, while a beta of 1.29 reflects its sensitivity to broader market moves. Moderate momentum may indicate the stock is consolidating or transitioning between trends, warranting close monitoring of upcoming catalysts.
With a stability score of 51/100, NRDS exhibits average financial resilience. Key stability metrics include a beta of 1.29 and a debt-to-equity ratio of 22.00x (sector avg: 0.3x). While the balance sheet is not a major concern, the stock is subject to typical market volatility and may experience sharper drawdowns during risk-off episodes.
NERDWALLET, INC.'s short interest score of 22/100 reveals significant bearish positioning, suggesting institutional investors are actively betting against the stock. Specific risk factors include above-average market sensitivity (beta: 1.29), elevated leverage (D/E: 22.00x), small-cap liquidity risk. At $818M (small-cap), NRDS carries meaningful risk and is best suited for investors with high risk tolerance who have thoroughly evaluated the bear thesis.
NERDWALLET, INC. is a small-cap company in the Services sector, ranked #0 of 50 in its sector (100th percentile) and #1093 of 7,333 overall (85th percentile). Key comparisons include ROE of 8.6% exceeding the 5.7% sector median and operating margins of 6.4% above the 4.5% sector average. This top-quartile standing reflects exceptional competitive strength relative to Services peers.
While NRDS currently exhibits a HOLD profile, superior opportunities exist within the SERVICES sector. Our model identifies several "Strong Buy" candidates with higher quality scores and more attractive valuations among direct industry competitors.
View Top Services Alpha →Quant Factor Profile
Key factor gap
Quality (80) vs Short Int. (22) — closing this gap could shift the rating.
EV/EBITDA 20% ABOVE SECTOR MEDIAN
ROE 51% ABOVE SECTOR MEDIAN (FAVORABLE)
Gross Margin 42% ABOVE SECTOR MEDIAN (FAVORABLE)
A combination of the words "boom" and "recession" can help explain why Americans feel so sour about a growing economy.
Can NRDS sustain 15% y/y revenue growth and rising EBITDA guidance as it heads toward Q4 results? Let us find out.
NerdWallet, Inc. (Nasdaq: NRDS) announced an additional $50 million authorization for its share repurchase program, bringing the total authorization to $125 million for Class A common stock. Repurchases will be made at management's discretion based on market conditions and other factors, with no time limit. This move is typically seen as a signal of confidence in the company's valuation and a way to return value to shareholders.
Top Wall Street analysts changed their outlook on these top names. For a complete view of all analyst rating changes, including upgrades and downgrades, please see our analyst ratings page. UBS raised the price target for Urban Outfitters, Inc. (NASDAQ: URBN) from $21 to $41. UBS analyst Jay Sole upgraded the stock from Sell to Neutral. Urban Outfitters shares gained 2.2% to close at $42.53 on Friday. See how other analysts view this stock. Goldman Sachs boosted United Therapeutics Corporation (NASDAQ: UTHR) price target from $213 to $215. Goldman Sachs analyst Chris Shibutani upgraded the stock from Sell to Neutral. United Therapeutics shares rose 0.3% to close at $212.34 on Friday. See how other analysts view this stock. Deutsche Bank boosted the price target for Mohawk Industries, Inc. (NYSE: MHK) from $98 to $152. Deutsche Bank analyst Joe Ahlersmeyer upgraded the stock from Hold to Buy. Mohawk Industries shares ...
Financial guidance platform NerdWallet (NASDAQ:NRDS) will be reporting results this Wednesday after market close. Here’s what investors should know.
Above 50MA
37.18%
Net New Highs
+51081