Nerdwallet Inc (NRDS) Stock Analysis — PE Ratio, PS Ratio, Intrinsic Value & 2030 Price Target
Nerdwallet Inc stock (NRDS) is currently trading at $10.23. Nerdwallet Inc PE ratio is 15.58. Nerdwallet Inc PS ratio (Price-to-Sales) is 0.87. Analyst consensus price target for NRDS is $14.50. WallStSmart rates NRDS as Underperform.
- NRDS PE ratio analysis and historical PE chart
- NRDS PS ratio (Price-to-Sales) history and trend
- NRDS intrinsic value — DCF, Graham Number, EPV models
- NRDS stock price prediction 2025 2026 2027 2028 2029 2030
- NRDS fair value vs current price
- NRDS insider transactions and insider buying
- Is NRDS undervalued or overvalued?
- Nerdwallet Inc financial analysis — revenue, earnings, cash flow
- NRDS Piotroski F-Score and Altman Z-Score
- NRDS analyst price target and Smart Rating
Nerdwallet Inc
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NRDS Intrinsic Value Analysis for Value Investors
Benjamin Graham Formula · Nerdwallet Inc (NRDS)
NRDS trades 123% above its Graham fair value of $4.35, indicating the stock may be overvalued at current levels.
Based on Benjamin Graham Formula. Growth rate capped at 25%. For informational purposes only. Not financial advice.
Smart Analysis
Nerdwallet Inc (NRDS) · 9 metrics scored
Smart Score
Category Performance
WallStSmart pulls financial metrics like revenue growth, profit margins, and valuation ratios and scores each one from 0 to 10 based on how strong or weak it is. Those 10 scores are grouped into 4 categories: Growth, Profitability, Valuation, and Quality — which form the 4 axes of the spider chart you see. The categories are then combined into a final score out of 100, but not equally. Growth and Profitability together count for 60% of the total, because a fast-growing profitable business matters more than just a cheap one. That final number maps to a rating (Strong Buy, Buy, Hold, Avoid) and a letter grade, giving you one clear Stock Rating.
Investment Thesis
Strong fundamentals in price/sales, price/book, revenue growth. Concerns around operating margin and eps growth. Fundamentals are solid but monitor weak areas for improvement.
Nerdwallet Inc (NRDS) Key Strengths (4)
Paying less than $1 for every $1 of annual revenue
91.00% of shares held by major funds and institutions
Trading at 1.78x book value, attractively priced
Strong revenue growth at 22.60% annually
Supporting Valuation Data
Nerdwallet Inc (NRDS) Areas to Watch (5)
Earnings declining -62.50%, profits shrinking
Very thin margins with limited operational efficiency
Thin profit margins with limited profitability
Small-cap company with higher risk but more growth potential
Moderate profitability with room for improvement
Nerdwallet Inc (NRDS) Detailed Analysis Report
Overall Assessment
This company scores 53/100 in our Smart Analysis, earning a C- grade. Out of 9 metrics analyzed, 4 register as strengths (avg 9.0/10) while 5 fall into concern territory (avg 3.2/10). The category breakdown reveals uneven performance, with some areas requiring attention.
The Bull Case
The strongest argument centers on Price/Sales, Institutional Own., Price/Book. Valuation metrics including Price/Sales (0.87), Price/Book (1.78) suggest the stock is attractively priced. Growth metrics are encouraging with Revenue Growth at 22.60%.
The Bear Case
The primary concerns are EPS Growth, Operating Margin, Profit Margin. Growth concerns include EPS Growth at -62.50%, which may limit upside. Profitability pressure is visible in Return on Equity at 13.20%, Operating Margin at 8.61%, Profit Margin at 5.82%.
Key Dynamics to Monitor
Three factors to monitor going forward. First, whether EPS Growth improves, as this is the primary drag on the overall score. Second, margin trajectory, with Return on Equity at 13.20% needing improvement to support the investment thesis. Third, growth sustainability, with Revenue Growth at 22.60% strong but requiring continuation.
Risk Considerations
Based on the metric profile, this is a moderate-to-high risk investment. There are more areas of concern than strength, warranting a more conservative position size. Investors should size positions according to their risk tolerance and maintain diversification.
Bottom Line
Mixed fundamentals with both positives (Price/Sales, Institutional Own.) and negatives (EPS Growth, Operating Margin). A cautious approach is warranted. Monitor for improvement in weak areas before increasing conviction.
Disclaimer: Smart Analysis is a scoring system developed by WallStSmart Team. Scores update daily using multi-model valuation framework. Always conduct your own research and consult with financial advisors before making investment decisions.
NRDS Price-to-Sales(PS) Ratio Chart
Historical valuation based on market cap ÷ trailing 12-month revenue
NRDS's Price-to-Sales ratio of 0.87x sits near its historical average of 0.99x (40th percentile), suggesting the market is pricing in steady-state growth. The current valuation is 77% below its historical high of 3.78x set in Nov 2021, and 61% above its historical low of 0.54x in Mar 2025. Over the past 12 months, the PS ratio has expanded from ~0.5x, reflecting growing market expectations outpacing revenue growth.
Compare NRDS with Competitors
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Data-driven financial summary for Nerdwallet Inc (NRDS) · COMMUNICATION SERVICES › INTERNET CONTENT & INFORMATION
The Big Picture
Nerdwallet Inc is a strong growth company balancing expansion with improving profitability. Revenue reached 837M with 23% growth year-over-year. Profit margins are thin at 5.8%, typical for companies in this phase that are reinvesting heavily in growth.
Key Findings
Generating 34M in free cash flow and 39M in operating cash flow. Earnings are translating into actual cash generation.
Earnings fell 63% YoY while revenue grew 23%. This gap usually reflects one-time items (tax benefits, write-offs) in the prior period, not an operational decline.
What to Watch Next
Margin expansion: can Nerdwallet Inc push profit margins above 15% as the business scales?
Growth sustainability: can Nerdwallet Inc maintain 23%+ revenue growth, or will competition slow it down?
Sector dynamics: monitor INTERNET CONTENT & INFORMATION industry trends, competitive moves, and regulatory changes that could impact Nerdwallet Inc.
Bottom Line
Nerdwallet Inc offers an attractive blend of growth (23% revenue expansion) and improving fundamentals. The company is transitioning from pure growth to profitable growth, a critical inflection point. Watch for sustained margin expansion as the key signal.
This synopsis is generated from publicly available financial data. It is not financial advice. Always conduct your own research and consult a qualified financial advisor before making investment decisions.
Insider Transactions
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About Nerdwallet Inc(NRDS)
NASDAQ
COMMUNICATION SERVICES
INTERNET CONTENT & INFORMATION
USA
NerdWallet, Inc. operates a digital platform that provides consumer-oriented advice on personal finance by connecting individuals and small and medium-sized businesses with providers of financial products. The company is headquartered in San Francisco, California.