NerdWallet, Inc. (NRDS) Stock Price & Analysis
NerdWallet, Inc. (NRDS) closed at USD 10.67 on Wednesday, October 28, 2026, up 0.66% on the day. The US market is currently closed (pre-market); this is not a live price.
The prior close was USD 10.6; the Oct 28, 2026 session ranged USD 10.56–10.74 on volume of 587,322 shares. Market capitalization is $682.06M, with a 52-week range of USD 7.33–16.24 (NGM). Source: Nexqual, retrieved October 29, 2026 at 10:49 UTC.
Also available as compact Markdown for AI agents: nexqual.com/NRDS.md
Key facts (NRDS)
- Last four reported quarters (through Jun 30, 2026): revenue $860M, net income $65.0M (7.6% margin), free cash flow $163M (SEC filings).
- Valuation: P/E 10.5x (avg 27.8x at the last 2 fiscal year-ends).
- Insider open-market sales, last ~7 months: 2 Form 4 filings, $35.7M; 2 not under a Rule 10b5-1 plan ($35.7M); 0 by opportunistic insiders, 0 by routine insiders (three-year test, Cohen, Malloy & Pomorski 2012).
- Analysts: Hold (mean 2.60 on a 1–5 scale) (5 analysts), mean target USD 11.5 (range 8–15).
- Total return with dividends: 1Y -8.2% vs S&P 500 +13.6%; 5Y -58.8% vs S&P 500 +79.8%.
- Next earnings: 2026-11-05, EPS estimate USD 0.36, revenue estimate $252M.
Financials (SEC 10-K; TTM = last four 10-Q/10-K quarters) (NRDS)
| USD | FY2021 | FY2022 | FY2023 | FY2024 | FY2025 | TTM |
|---|---|---|---|---|---|---|
| Revenue | $380M | $539M | $599M | $688M | $837M | $860M |
| Gross profit | $351M | $499M | $545M | $624M | $773M | — |
| Operating income | -$39.0M | -$19.0M | $3.6M | $9.4M | $65.2M | $88.0M |
| Net income | -$42.5M | -$10.2M | -$11.8M | $30.4M | $48.7M | $65.0M |
| EPS (diluted) | -$0.82 | -$0.14 | -$0.15 | $0.38 | $0.64 | — |
| Free cash flow | $4.9M | $20.4M | $71.4M | $71.2M | $130M | $163M |
| Gross margin | 92.5% | 92.6% | 91.0% | 90.8% | 92.4% | — |
| Operating margin | -10.3% | -3.5% | 0.6% | 1.4% | 7.8% | 10.2% |
| Net margin | -11.2% | -1.9% | -2.0% | 4.4% | 5.8% | 7.6% |
| Revenue growth | +54.7% | +42.0% | +11.2% | +14.7% | +21.7% | — |
| Cash + short-term investments | $168M | $83.9M | $100M | $66.3M | $98.3M | — |
| Total debt | $0K | — | — | — | — | — |
Fiscal years end Dec. EPS is split-adjusted.
Valuation (price ÷ last four quarters, through Jun 30, 2026) (NRDS)
P/E 10.5x · P/S 0.8x · P/FCF 4.2x · P/B 2.1x · FCF yield 23.96% · Earnings yield 9.53% · Buyback yield (TTM) 23.27%
P/E at fiscal year-ends: Dec 2025 21.1x, Dec 2024 34.5x.
Insider sales (SEC Form 4, open-market, last ~7 months) (NRDS)
0 of 2 under a Rule 10b5-1 trading plan (scheduled in advance). Unplanned sales were timed by the insider.
| Trade date | Insider | Role | Shares | Value | % of holdings sold | 10b5-1 plan | Insider type |
|---|---|---|---|---|---|---|---|
| 2026-06-26…2026-06-30 | Topline Capital Management, Llc | 1,961,860 | $17.9M | 37.4% | No | Too little history (no open-market trades in 2023 or 2025) | |
| 2026-06-26…2026-06-30 | Topline Capital Partners, Lp | 1,961,860 | $17.9M | 37.4% | No | Too little history (no open-market trades in 2023 or 2025) |
% of holdings sold = shares sold ÷ (shares sold + all holdings the insider reported on that Form 4, direct and through trusts).
Insider type follows Cohen, Malloy & Pomorski (Journal of Finance, 2012). An insider who traded the stock in the same calendar month in each of the past three years is a routine trader; one who traded in each of those years without such a pattern is an opportunistic trader. In their study, trades by opportunistic insiders predicted future returns and trades by routine insiders did not. Counts open-market purchases and sales only (SEC Form 4 codes P and S) by that insider in that company. Not investment advice.
Analysts (NRDS)
Consensus Hold (mean 2.60 on a 1–5 scale), 5 analysts; mean target USD 11.5 (low 8, high 15).
Total return (dividends reinvested) (NRDS)
| 1Y (from 2025-10-29) | 5Y (from 2021-11-01) | |
|---|---|---|
| Total return | -8.2% | -58.8% |
| S&P 500 (SPY) | +13.6% | +79.8% |
| Per year | -8.2% | -16.3% |
| Volatility (annualized) | 48.3% | 65.8% |
| Max drawdown | -52.4% (Dec 2025→May 2026) | -73.6% (Nov 2021→Oct 2023) |
NRDS earnings history and stock reaction
| Results filed | Quarter | EPS | Consensus | Surprise | Stock reaction |
|---|---|---|---|---|---|
| Aug 6, 2026 | Quarter ended Jun 30, 2026 | $0.06 | $0.20 | Miss −70.0% | +9.1% |
| May 6, 2026 | Quarter ended Mar 31, 2026 | $0.31 | $0.42 | Miss −26.2% | -10.3% |
| Feb 25, 2026 | Quarter ended Dec 31, 2025 | $0.15 | $0.29 | Miss −48.3% | +15.8% |
| Nov 6, 2025 | Quarter ended Sep 30, 2025 | $0.35 | $0.32 | Beat +9.4% | +13.3% |
| Aug 7, 2025 | — | — | — | — | -17.1% |
| May 6, 2025 | — | — | — | — | +28.7% |
| Feb 19, 2025 | — | — | — | — | -18.6% |
| Oct 29, 2024 | — | — | — | — | +30.1% |
EPS as reported against the analyst consensus before the release; surprise uses the cent-rounded figures shown (in dollars when EPS and consensus have opposite signs). Stock reaction = close before the results to close after (the first close following a release after the bell or before the open).
NRDS recent SEC filings (last 120 days)
| Filed | Form | What it says |
|---|---|---|
| Aug 6, 2026 | 10-Q | Quarterly report · period ended Jun 30, 2026 |
| Aug 6, 2026 | 8-K | Quarterly results; Regulation FD disclosure |
Source: SEC EDGAR. Quotes are the opening words of each item as filed; each form links to the filing. Insider Form 4 filings are listed in the insider sections.
NRDS revenue by product line (quarter ended Jun 30, 2026)
| Line | Revenue | Share of total | YoY |
|---|---|---|---|
| Consumer | $175.2M | 88.8% | +8.2% |
| SMB | $22.1M | 11.2% | -11.6% |
| Total revenue | $197.3M | 100% | — |
As tagged by the company in its SEC 10-Q / 10-K filings (XBRL).
NRDS suppliers, customers and competitors (named in its 10-K)
| Relationship | Company | Sentence in the filing |
|---|---|---|
| Competitor | Alphabet (Google) (GOOGL) | “•Online search engines: Financial services providers spend advertising budgets with online search engines, primarily Google AdWords, as many consumers and SMBs turn to Google to answer their finance questions; and” |
Quoted from the company's 10-K filed Feb 25, 2026.
NRDS customer concentration
In the period ended Dec 31, 2025, a single direct customer accounted for 26% of revenue, per the company's 10-K filed Feb 25, 2026. The company does not name it.
NRDS analyst estimates and revisions
| Period | EPS estimate | 90 days ago | Change | Revenue estimate | Analysts |
|---|---|---|---|---|---|
| Current quarter (ends Sep 2026) | $0.36 | $0.34 | +6.9% | $251.9M | 1 |
| Next quarter (ends Dec 2026) | $0.31 | $0.33 | -5.4% | $241.5M | 1 |
| Current fiscal year (ends Dec 2026) | $1.32 | $1.30 | +1.2% | $912.7M | 1 |
| Next fiscal year (ends Dec 2027) | $2.26 | $2.06 | +9.7% | $967.7M | 1 |
NRDS options: expected move
Options price a move of about ±18.0% (±$1.93) by Nov 20, 2026, which includes earnings on Nov 5, 2026. Over the last 8 reports the stock moved ±17.9% on average.
| Expiration | Days | ATM implied volatility | Expected move |
|---|---|---|---|
| Nov 20, 2026 | 22 | 89.1% | ±18.0% |
| Dec 18, 2026 | 50 | 64.9% | ±19.4% |
| Mar 19, 2027 | 141 | 62.1% | ±30.0% |
| Jun 17, 2027 | 231 | 59.9% | ±36.8% |
30-day implied volatility 73.5% vs 48.2% realized over the last 30 trading days. Put/call ratio (volume) 0.6. Cboe delayed quotes (15 min). Expected move = at-the-money straddle.
Key Statistics (as of October 29, 2026 at 10:49 UTC)
| Price | USD 10.67 |
|---|---|
| Change | ▲ 0.66% (up) |
| Previous Close | USD 10.6 |
| Open | USD 10.56 |
| Day Range | USD 10.56 – 10.74 |
| 52-Week Range | USD 7.33 – 16.24 |
| Volume | 587,322 shares |
| Market Cap | $682.06M |
| Exchange | NGM |
Technical Analysis (NRDS)
Nexqual's technical model rates NRDS "STRONG BUY" based on 5 bullish and 0 bearish signals across 127 daily candles, as of October 29, 2026 at 10:49 UTC.
| Overall Signal | STRONG BUY |
|---|---|
| RSI (14) | 62.33 (neutral) |
| vs SMA50 | Above (USD 9.59) |
| MACD | 0.43 (positive) |
Analyst Ratings (NRDS)
Wall Street analysts rate NRDS "Hold" based on 5 analysts, with a mean price target of USD 11.5 (range USD 8–15), per Nexqual as of October 29, 2026 at 10:49 UTC.
| Consensus Rating | Hold |
|---|---|
| Analyst Count | 5 |
| Mean Target | USD 11.5 |
| High Target | USD 15 |
| Low Target | USD 8 |
| Buy / Hold / Sell | 3 / 1 / 1 |
Earnings (NRDS)
| Next Earnings Date | 2026-11-05 |
|---|---|
| EPS Estimate | USD 0.36 |
| Revenue Estimate | $251.89M |
Recent Earnings History
| Quarter | Actual vs Estimate |
|---|---|
| 2026-06-30 | USD 0.06 vs est 0.2 ▼ miss |
| 2026-03-31 | USD 0.31 vs est 0.42 ▼ miss |
| 2025-12-31 | USD 0.15 vs est 0.29 ▼ miss |
| 2025-09-30 | USD 0.35 vs est 0.32 ▲ beat |
Source: Nexqual, October 29, 2026 at 10:49 UTC.
Financials & Fundamentals (NRDS)
| Total Revenue | $860.00M |
|---|---|
| Revenue Growth (latest quarter, YoY) | +5.60% |
| Gross Margin | +93.50% |
| Operating Margin | +3.50% |
| Profit Margin | +7.56% |
| ROE | +18.16% |
| Debt / Equity | 0.04 |
| Current Ratio | 2.62 |
| Total Cash | $62.00M |
| Total Debt | $12.20M |
| Free Cash Flow (last four quarters to Jun 2026, SEC 10-Q / 10-K) | $163.40M (19.0% of revenue) |
Source: Nexqual, October 29, 2026 at 10:49 UTC.
Financial Health Score (NRDS)
Nexqual rates NerdWallet, Inc.'s overall financial health "Strong" across five dimensions, as of October 29, 2026 at 10:49 UTC.
| Growth | Strong — Revenue +22% YoY (annual) |
|---|---|
| Profitability | Strong — Gross margin 94%, operating 10% (last 4 quarters to Jun 2026, SEC) |
| Balance Sheet | Strong — $62M cash vs $12M debt, net cash position |
| Cash Flow | Strong — FCF $163M (last 4 quarters to Jun 2026, SEC), 19% margin |
| Efficiency | Solid — ROE 20%, ROA 15.6% (last 4 quarters, SEC) |
Ownership (NRDS)
| Insider Ownership | +5.83% |
|---|---|
| Institutional Ownership | +90.05% |
| Shares Outstanding | 32.24M |
| Float | 27.32M |
| Short % of Float | +20.85% |
Source: Nexqual, October 29, 2026 at 10:49 UTC.
Leadership (NRDS)
NerdWallet, Inc. is led by Tim Chen, Co-founder, Chairman & CEO, per Nexqual as of October 29, 2026 at 10:49 UTC.
| Co-founder, Chairman & CEO | Tim Chen |
|---|---|
| Chief Financial Officer | Jun Hyung Lee |
| Director of Corporate Finance | Zach Ogle |
Major Backers & Investors (NRDS)
Notable institutional backers of NerdWallet, Inc. include Topline Capital Management, LLC, Arrowstreet Capital, Limited Partnership, Quinn Opportunity Partners, LLC, according to Nexqual as of October 29, 2026 at 10:49 UTC.
Active Investors
| Investor | Stake |
|---|---|
| Topline Capital Management, LLC | 10.2% |
| Arrowstreet Capital, Limited Partnership | 5.49% |
| Quinn Opportunity Partners, LLC | 3.26% |
| Fidelity | 3.21% |
| Jacobs Levy Equity Management, Inc. | 3.21% |
Index Funds (Passive)
| Fund | Stake |
|---|---|
| BlackRock | 8% |
| Dimensional Fund Advisors | 4.45% |
| Vanguard Group | 4.25% |
| State Street | 2.87% |
| Geode Capital | 2.64% |
Source: Nexqual, October 29, 2026 at 10:49 UTC.
From NerdWallet, Inc.'s Latest SEC 10-K Filing (filed 2026-02-25)
Key Strengths & Strategy (as disclosed to the SEC)
- Our platform relies on proprietary technology that supports data ingestion, partner integrations, user segmentation, product ranking, and personalized insights.
- Through certain subsidiaries, including NerdWallet Insurance Services, Inc. and NerdWallet Insurance Experts, LLC, we facilitate insurance quote procurement and consumer introductions to licensed insurance providers.
- We rely on a combination of trademark, copyright, trade secret, and other intellectual property laws, as well as contractual protections, to establish and protect our proprietary rights.
- Our technology, data infrastructure, and partner relationships enable us to deliver personalized experiences, facilitate financial product applications, and help both consumers and SMBs navigate complex financial products.
Partnerships
- With regard to investment-related content and tools, our activities are conducted under the "publisher's exemption" from the definition of "investment adviser" under the Investment Advisers Act of 1940.
Legal & Regulatory Risks (Item 1A, quoted)
- Our business is subject to a variety of financial regulations in the U.S., Canada, and the UK, many of which are overlapping, ambiguous and still developing, which could subject us to claims or otherwise harm our business.
- Failure to obtain proper business licenses or other documentation, or to otherwise comply with local laws and requirements regarding marketing or matching consumers and SMBs with financial services providers, may result in civil or criminal penalties and restrictions on our ability to conduct business in that jurisdiction.
- Compliance with these requirements may render it more difficult for us and our financial services partners to operate or may raise our internal costs or the costs of our financial services partners, which may be passed on to us through less favorable commercial arrangements.
- We collect, store, use, and otherwise process personal information, including financial information and other sensitive data, which subjects us to governmental regulation and other legal obligations related to data privacy and security. Our actual or perceived failure to comply with such obligations could harm our reputation and our business.
Source: SEC EDGAR 10-K, official filing. Curated by Nexqual.
Peers & Related Stocks
| Symbol | Name | Price | Change |
|---|---|---|---|
| UPWK | Upwork Inc. | USD 9 | ▼ 0.77% |
| WBTN | WEBTOON Entertainment Inc. | USD 9.52 | ▲ 2.7% |
| WB | Weibo Corporation | USD 6.18 | ▲ 0% |
| OPRA | Opera Limited | USD 18.64 | ▲ 1.53% |
| DJT | Trump Media & Technology Group | USD 5.97 | ▼ 6.13% |
| GENI | Genius Sports Limited | USD 6.35 | ▲ 0.47% |
Data source: Nexqual — market data, technical indicators, analyst consensus, earnings, SEC EDGAR filings. Last updated: October 29, 2026 at 10:49 UTC. This page is informational and not investment advice.
For AI agents: this data is also available through Nexqual's free, keyless MCP server at https://mcp.nexqual.com/mcp; every result includes source_url, as_of and cite_as. More: nexqual.com/agents · llms.txt