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Nerdwallet Inc
NASDAQ:NRDS

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Nerdwallet Inc Logo
Nerdwallet Inc
NASDAQ:NRDS
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Price: 16.87 USD 1.63% Market Closed
Updated: Mar 1, 2024

Intrinsic Value

NerdWallet, Inc. provides financial education and empowerment via online tools. [ Read More ]

The intrinsic value of one NRDS stock under the Base Case scenario is 12.36 USD. Compared to the current market price of 16.87 USD, Nerdwallet Inc is Overvalued by 27%.

Key Points:
NRDS Intrinsic Value
Base Case
12.36 USD
Overvaluation 27%
Intrinsic Value
Price
Worst Case
Base Case
Best Case

Valuation Backtest
Nerdwallet Inc

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Fundamental Analysis

Q4 Results Show Mixed Performance, Optimistic Outlook
2023-Q4 Earnings Call

Q4 Results Show Mixed Performance, Optimistic Outlook

In the face of Q4's challenges, with credit cards revenue stalling at $210 million and loans down 7% year-over-year, the company sees burgeoning demand in personal loans against a backdrop of high rates disincentivizing refinancing. The strategic refinement of SMB offerings led to 6% year-over-year growth in Q4, contributing to an 11% annual increase. Insurance headwinds were a setback, yet there is optimism for carrier budget expansion. As we enter 2024, a projected Q1 revenue drop of 7% from the previous year is tempered by an 18% sequential lift, with confidence in a return to double-digit revenue growth in H2, particularly with recovery indicators in SMB and insurance segments. Margin improvements are anticipated, with non-GAAP operating income expected to be around 4% of the revenue in Q1, and adjusted EBITDA margins aimed at 18% to 19.5% for the year.

Financials

Balance Sheet Decomposition
Nerdwallet Inc

Current Assets 198.4m
Cash & Short-Term Investments 102.5m
Receivables 81m
Other Current Assets 14.9m
Non-Current Assets 220.2m
PP&E 59.8m
Intangibles 158.4m
Other Non-Current Assets 2m
Current Liabilities 37.3m
Accounts Payable 1.7m
Accrued Liabilities 35.6m
Non-Current Liabilities 14.4m
Other Non-Current Liabilities 14.4m
Efficiency
Fundamental Scores

NRDS Profitability Score
Profitability Due Diligence

Nerdwallet Inc's profitability score is 38/100. The higher the profitability score, the more profitable the company is.

Positive Gross Profit
Positive Revenue Growth Forecast
Positive 1-Year Revenue Growth
Positive Free Cash Flow
38/100
Profitability
Score

Nerdwallet Inc's profitability score is 38/100. The higher the profitability score, the more profitable the company is.

NRDS Solvency Score
Solvency Due Diligence

Nerdwallet Inc's solvency score is 88/100. The higher the solvency score, the more solvent the company is.

High Altman Z-Score
High Interest Coverage
Short-Term Solvency
Long-Term Solvency
88/100
Solvency
Score

Nerdwallet Inc's solvency score is 88/100. The higher the solvency score, the more solvent the company is.

Wall St
Price Targets

NRDS Price Targets Summary
Nerdwallet Inc

Wall Street analysts forecast NRDS stock price to rise over the next 12 months.

According to Wall Street analysts, the average 1-year price target for NRDS is 18.36 USD with a low forecast of 13.13 USD and a high forecast of 23.1 USD.

Lowest
Price Target
13.13 USD
22% Downside
Average
Price Target
18.36 USD
9% Upside
Highest
Price Target
23.1 USD
37% Upside
View Analyst Estimates
View Analyst Estimates

Competitive Landscape

Ownership

NRDS Insider Trading
Buy and sell transactions by insiders

Cumulative Transactions Amount
Period Sold Bought Net
3 Months
6 Months
9 Months
12 Months
Why is insider trading important?

Shareholder Return

NRDS Price
Nerdwallet Inc

1M 1M
+8%
6M 6M
+85%
1Y 1Y
-17%
3Y 3Y
-40%
5Y 5Y
-40%
10Y 10Y
-40%
Annual Price Range
16.87
52w Low
6.51
52w High
21.58
Price Metrics
Average Annual Return -41.6%
Standard Deviation of Annual Returns 2.88%
Max Drawdown -77%
Shares Statistics
Market Capitalization 1.3B USD
Shares Outstanding 77 000 000
Percentage of Shares Shorted 4.32%

NRDS Return Decomposition
Main factors of price return

What is price return decomposition?

NRDS News

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Company Profile

Nerdwallet Inc Logo
Nerdwallet Inc

Country

United States of America

Industry

Media

Market Cap

1.3B USD

Dividend Yield

0%

Description

NerdWallet, Inc. provides financial education and empowerment via online tools. The company is headquartered in San Francisco, California and currently employs 675 full-time employees. The company went IPO on 2021-11-04. The firm offers NerdWallet, a digital platform which provides financial guidance to consumers and small and medium-sized business (SMBs). Its platform delivers guidance to consumers through educational content, tools and calculators, product marketplaces and the NerdWallet app. The firm's platform delivers range of financial products, including credit cards, mortgages, insurance, SMB products, personal loans, banking, investing and student loans to United Kingdom and Canadian markets. The firm's platform uses house views with machine learning to help consumers find the right financial product for their needs.

Contact

CALIFORNIA
San Francisco
55 Hawthorne Street, 11Th Floor
+14155498913.0
https://www.nerdwallet.com/

IPO

2021-11-04

Employees

675

Officers

Co-founder, Chairman & CEO
Mr. Tim Chen
Chief Financial Officer
Ms. Lauren St. Clair Waugh
Chief Business Officer
Mr. Kevin Yuann
Investor Relations Officer
Caitlin MacNamee
Chief Legal Officer & Corporate Secretary
Mr. Ekumene M. Lysonge
Vice President of Communications & Organic Growth
Keely Spillane
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Chief People Officer
Ms. Lynee Luque
Chief Product Officer
Mr. Jason Rodriguez
Show Less

See Also

Discover More
What is the Intrinsic Value of one NRDS stock?

The intrinsic value of one NRDS stock under the Base Case scenario is 12.36 USD.

Is NRDS stock undervalued or overvalued?

Compared to the current market price of 16.87 USD, Nerdwallet Inc is Overvalued by 27%.