NerdWallet, Inc.

NasdaqGM:NRDS Stock Report

Market Cap: US$901.6m

NerdWallet Valuation

Is NRDS undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

3/6

Valuation Score 3/6

  • Below Future Cash Flow Value

  • Significantly Below Future Cash Flow Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Future Cash Flow Value

What is the Fair Price of NRDS when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

Ultimate guide to DCF valuation for stock investing

Learn how to determine fair value like the best investors in the world.

Below Future Cash Flow Value: Insufficient data to calculate NRDS's future cash flow value for valuation analysis.

Significantly Below Future Cash Flow Value: Insufficient data to calculate NRDS's future cash flow value for valuation analysis.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for NRDS?

Key metric: As NRDS is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for NRDS. This is calculated by dividing NRDS's market cap by their current earnings.
What is NRDS's PE Ratio?
PE Ratio12x
EarningsUS$73.30m
Market CapUS$901.64m

Price to Earnings Ratio vs Peers

How does NRDS's PE Ratio compare to its peers?

The above table shows the PE ratio for NRDS vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average35.5x
ATLC Atlanticus Holdings
7.4x36.71%US$765.4m
OPFI OppFi
68x37.30%US$839.4m
TREE LendingTree
54.7x33.75%US$799.9m
EZPW EZCORP
11.9x11.41%US$1.3b
NRDS NerdWallet
12x13.92%US$901.6m

Price-To-Earnings vs Peers: NRDS is good value based on its Price-To-Earnings Ratio (12x) compared to the peer average (35.5x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does NRDS's PE Ratio compare vs other companies in the US Consumer Finance Industry?

5 CompaniesPrice / EarningsEstimated GrowthMarket Cap
LX LexinFintech Holdings
1.8x9.05%US$484.60m
JFIN Jiayin Group
1.5xn/aUS$371.99m
YRD Yiren Digital
1.9xn/aUS$361.18m
XYF X Financial
0.8xn/aUS$219.91m
NRDS 12.0xIndustry Avg. 8.5xNo. of Companies8PE0816243240+
5 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: NRDS is expensive based on its Price-To-Earnings Ratio (12x) compared to the US Consumer Finance industry average (8.5x).

Price to Earnings Ratio vs Fair Ratio

What is NRDS's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

NRDS PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio12x
Fair PE Ratio16.2x

Price-To-Earnings vs Fair Ratio: NRDS is good value based on its Price-To-Earnings Ratio (12x) compared to the estimated Fair Price-To-Earnings Ratio (16.2x).

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst NRDS forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
CurrentUS$12.06
US$16.17
+34.05%
13.08%US$19.00US$13.00n/a6
Jan ’27US$13.55
US$16.17
+19.31%
13.08%US$19.00US$13.00n/a6
Dec ’26US$15.41
US$16.17
+4.91%
13.08%US$19.00US$13.00n/a6
Nov ’26US$11.67
US$14.50
+24.25%
11.78%US$17.00US$12.00n/a6
Oct ’26US$10.77
US$14.50
+34.63%
11.78%US$17.00US$12.00n/a6
Sep ’26US$10.34
US$14.50
+40.23%
11.78%US$17.00US$12.00n/a6
Aug ’26US$10.54
US$15.33
+45.48%
15.37%US$19.00US$12.00n/a6
Jul ’26US$11.15
US$15.33
+37.52%
15.37%US$19.00US$12.00n/a6
Jun ’26US$10.54
US$15.33
+45.48%
15.37%US$19.00US$12.00n/a6
May ’26US$9.03
US$16.00
+77.19%
20.09%US$19.00US$11.00n/a6
Apr ’26US$9.33
US$16.50
+76.85%
15.55%US$19.00US$12.00n/a6
Mar ’26US$10.20
US$16.50
+61.76%
15.55%US$19.00US$12.00n/a6
Feb ’26US$14.28
US$17.00
+19.05%
11.76%US$20.00US$14.00n/a6
Jan ’26US$13.30
US$17.00
+27.82%
11.76%US$20.00US$14.00US$13.556
Dec ’25US$14.00
US$17.00
+21.43%
11.76%US$20.00US$14.00US$15.416
Nov ’25US$14.51
US$17.00
+17.16%
11.76%US$20.00US$14.00US$11.676
Oct ’25US$12.41
US$16.33
+31.61%
8.41%US$18.00US$14.00US$10.776
Sep ’25US$12.93
US$16.33
+26.32%
8.41%US$18.00US$14.00US$10.346
Aug ’25US$11.44
US$16.83
+47.14%
9.95%US$19.00US$14.00US$10.546
Jul ’25US$14.58
US$18.33
+25.74%
12.86%US$22.00US$15.00US$11.156
Jun ’25US$13.95
US$18.33
+31.42%
12.86%US$22.00US$15.00US$10.546
May ’25US$13.16
US$18.33
+39.31%
12.86%US$22.00US$15.00US$9.036
Apr ’25US$14.41
US$18.33
+27.23%
12.86%US$22.00US$15.00US$9.336
Mar ’25US$16.91
US$18.00
+6.45%
16.04%US$22.00US$13.00US$10.206
Feb ’25US$15.61
US$15.50
-0.70%
20.99%US$20.00US$10.00US$14.286
Jan ’25US$14.72
US$14.67
-0.36%
24.79%US$20.00US$10.00US$13.306
US$16.17
Fair Value
25.4% undervalued intrinsic discount
6
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price and analysts are within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/01/30 00:36
End of Day Share Price 2026/01/30 00:00
Earnings2025/09/30
Annual Earnings2024/12/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

NerdWallet, Inc. is covered by 9 analysts. 6 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Ross SandlerBarclays
Nathaniel SchindlerBofA Global Research
Peter ChristiansenCitigroup Inc