-4.80%
7.37%
-2.79%
-2.39%
-6.73%
-5.62%
-49.54%
AI Spotlight on NRDS
Company Description
NerdWallet, Inc.operates a digital platform that provides consumer-driven advice about personal finance by connecting individuals and small and mid-sized businesses with financial products providers.The company's platform offers guidance to consumers through educational content, tools and calculators, and product marketplaces, as well as NerdWallet app for various financial products, including credit cards, mortgages, insurance, SMB products, personal loans, banking, investing, and student loans.
It serves customers in the United States, the United Kingdom, and Canada.The company was founded in 2009 and is based in San Francisco, California.
Market Data
| Last Price | 14.28 |
| Change Percentage | -4.80% |
| Open | 15.03 |
| Previous Close | 15 |
| Market Cap ( Millions) | 1049 |
| Volume | 308125 |
| Year High | 17.3 |
| Year Low | 10.1 |
| M A 50 | 13.8 |
| M A 200 | 13.47 |
Financial Ratios
| FCF Yield | 6.82% |
| Dividend Yield | 0.00% |
| ROE | -2.90% |
| Debt / Equity | 0.87% |
| Net Debt / EBIDTA | -115.80% |
| Price To Book | 3.3 |
| Price Earnings Ratio | -101.36 |
| Price To FCF | 14.66 |
| Price To sales | 1.58 |
| EV / EBITDA | 15.81 |
News
- Jan -29 - NerdWallet Announces Conference Call to Review 2024 Fourth Quarter and Full-Year Financial Results
- Jan -07 - NerdWallet: Moving In The Right Direction
- Jan -02 - NerdWallet Announces Winners of Its 2025 Best-Of Awards
- Nov -08 - NerdWallet: Insurance Category Is Driving Hyper-Growth
- Oct -30 - NerdWallet, Inc. (NRDS) Q3 2024 Earnings Call Transcript
- Oct -29 - NerdWallet, Inc. (NRDS) Reports Break-Even Earnings for Q3
- Oct -29 - NerdWallet Reports Third Quarter 2024 Results
- Oct -29 - NerdWallet Is A High-Quality Business At An Inflection Point
- Oct -16 - Atomic Partners with Nerdwallet
- Oct -10 - NerdWallet Announces Conference Call to Review 2024 Third Quarter Financial Results
- Oct -08 - NerdWallet: New Buybacks And Restructuring Plan Can Help Turn This Ship Around
- Sep -09 - NerdWallet Announces New $50 Million Share Repurchase Program
- Aug -07 - NerdWallet Q2 Earnings: Stock's Momentum Hit By Recurring EPS Misses
- Aug -06 - NerdWallet: Time To Get Nerdy
- Jul -31 - NerdWallet Inc (NRDS) Q2 2024 Earnings Call Transcript
- Jul -10 - Education Loan Finance (ELFI) Wins Best Student Loan Refinancing for Parents in NerdWallet's 2024 Best-Of Awards
- Jun -28 - NerdWallet: Don't Miss Out On This Secular Growth Opportunity
- Jun -06 - NerdWallet: Growth Story Remains Intact
- May -20 - Flying is cheaper in 2024. But not for some destinations
- May -07 - 40-Time Top Ranked Janiczek Wealth Management Just Earned 2024 Top Financial Advisor Accolades From Barron's, Forbes, NerdWallet, and USA Todayi
Business Breakdown
Expected Mid-Term Growth
Segment n°1 -> Credit Cards
Expected Growth : 8 %
What the company do ?
Credit Cards from NerdWallet, Inc. offer a range of rewards, cashback, and low-interest credit cards from top issuers, with expert reviews and comparisons.
Why we expect these perspectives ?
NerdWallet's Credit Cards segment growth is driven by increasing online financial literacy, rising demand for cashback and rewards, and strategic partnerships with major banks. Additionally, the company's user-friendly platform and personalized recommendations have contributed to its 8% growth rate.
Segment n°2 -> Emerging Verticals
Expected Growth : 12 %
What the company do ?
Emerging Verticals from NerdWallet, Inc. refers to innovative financial technology and services in areas like cryptocurrency, fintech, and digital payments.
Why we expect these perspectives ?
Emerging verticals from NerdWallet, Inc. with 12% growth driven by increasing demand for personalized finance, expansion into new markets, and strategic partnerships. Additionally, growing adoption of digital payment systems, rising fintech investments, and government initiatives promoting financial inclusion also contribute to this growth.
Segment n°3 -> Loans
Expected Growth : 9 %
What the company do ?
NerdWallet's Loans provide personalized loan offers from multiple lenders, allowing users to compare rates and terms to find the best fit for their financial needs.
Why we expect these perspectives ?
NerdWallet's 9% loan growth driven by increasing online lending demand, strategic partnerships, and expansion into new markets. Additionally, rising consumer credit scores, low interest rates, and growing fintech adoption contribute to the growth. Furthermore, NerdWallet's user-friendly platform, competitive rates, and personalized loan recommendations enhance customer experience, driving business expansion.
Segment n°4 -> Small and Mid-sized Businesses
Expected Growth : 11 %
What the company do ?
Small and Mid-sized Businesses from NerdWallet, Inc. refers to companies with 500 employees or less, requiring tailored financial solutions and resources to operate efficiently.
Why we expect these perspectives ?
Small and Mid-sized Businesses from NerdWallet, Inc. with 11% growth driven by increasing adoption of digital payment solutions, rising demand for financial management tools, and growing need for business loan and credit options. Additionally, expansion into new markets, strategic partnerships, and innovative product offerings contribute to this growth.
Nerdwallet, Inc. Products
| Product Range | What is it ? |
|---|---|
| NerdWallet Investing | A platform that provides investment tracking, analysis, and advice to help users make informed investment decisions. |
| NerdWallet Credit Cards | A credit card comparison tool that helps users find and apply for credit cards that best fit their needs. |
| NerdWallet Mortgages | A mortgage comparison tool that helps users find and compare mortgage rates, lenders, and loan options. |
| NerdWallet Personal Loans | A personal loan comparison tool that helps users find and compare loan options from various lenders. |
| NerdWallet Banking | A banking comparison tool that helps users find and compare high-yield savings accounts, CDs, and other banking products. |
| NerdWallet Insurance | An insurance comparison tool that helps users find and compare insurance quotes from various providers. |
| NerdWallet Retirement | A retirement planning tool that helps users plan, invest, and optimize their retirement savings. |
NerdWallet, Inc.'s Porter Forces
Threat Of Substitutes
NerdWallet's financial tools and resources are highly specialized, making it difficult for substitutes to emerge. However, the rise of fintech companies and digital banking platforms poses a moderate threat.
Bargaining Power Of Customers
NerdWallet's customers have limited bargaining power due to the company's strong brand reputation and lack of direct competition. Customers are also highly fragmented, reducing their bargaining power.
Bargaining Power Of Suppliers
NerdWallet's suppliers, primarily financial institutions and data providers, have limited bargaining power due to the company's strong market position and ability to negotiate favorable terms.
Threat Of New Entrants
The fintech industry is rapidly evolving, and new entrants with innovative products and services pose a significant threat to NerdWallet's market share.
Intensity Of Rivalry
The personal finance and fintech industries are highly competitive, with numerous established players and new entrants vying for market share, resulting in a high level of rivalry.
Strength
Capital Structure
| Value | |
|---|---|
| Debt Weight | 2.55% |
| Debt Cost | 3.95% |
| Equity Weight | 97.45% |
| Equity Cost | 11.14% |
| WACC | 10.96% |
| Leverage | 2.62% |
NerdWallet, Inc. : Quality Control
NerdWallet, Inc. passed 7 out of 9 key points:
Historical Valuation
Price/Earnings Ratio
Margin Valuation
Peers Valuation
Competitors
| Company | Rational |
|---|---|
| NICK | Nicholas Financial, Inc. operates as a consumer finance company in the United States. The company engages in acquiring and servicing automobile finance installment contracts for the purchase of new and … |
| WRLD | World Acceptance Corporation, together with its subsidiaries, engages in small-loan consumer finance business. The company offers short-term small installment loans, medium-term larger installment loans, related credit insurance, and ancillary products … |
| PMTS | CPI Card Group Inc., together with its subsidiaries, engages in the design, production, data personalization, packaging, and fulfillment of financial payment cards. It operates through Debit and Credit, and Prepaid … |
| LC | LendingClub Corporation, operates as a bank holding company for LendingClub Bank, National Association that provides range of financial products and services through a technology-driven platform in the United States. The … |
| ATLC | Atlanticus Holdings Corporation provides credit and related financial services and products to customers the United States. It operates in two segments, Credit as a Service, and Auto Finance. The Credit … |
Peers Metrics
DCF BETA
Expected Cash-Flows
Scoring Insights
Peers Group Analysis
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Atlanticus
A-Score
1-Year Total Return ->
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LendingClub
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1-Year Total Return ->
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CPI Card Group
A-Score
1-Year Total Return ->
4
World Acceptance
A-Score
1-Year Total Return ->
5
Nicholas Financial
A-Score
1-Year Total Return ->
6
