NERDWALLET, INC. · Data processing and cloud

NRDS

Low riskNext report: Around Nov 5 (est.)

View price ↗

The short version

A profitable company with steady sales. Institutions are trimming.

Going well

Profitable
Sales up 22% last year
Brings in more cash than it spends

Money moves

No insider buying or selling in the last 30 days
Institutions cut 10% from their holdings in the quarter ending June 2026 (75 bought, 87 sold)

Facts from SEC filings, not a recommendation.

What the price means

Price as of Oct 26

$10.82-1.1% that day

Company value: $691M; Share price times all shares
Price vs profit (P/E): 12.2x; You pay about $12 for each $1 of yearly profit
Price vs sales: 0.80x; Company value is 0.80 times a year of sales
Cash vs value: 9%; Cash as a share of company value

From NRDS's last IEX trade and its SEC filings (profits and sales over the last four quarters). A starting point for research, not a verdict.

The business over time

Last 12 quarters, from SEC filings

Sales, Jun '26

$197.3M+5.6% vs a year earlier

Sep '23Tap a barJun '26

Last 12 months: $860.0M, up 12% from the 12 months before. Over 5 years, sales grew about 28% a year.

What the price assumes

Your guesses, our math

Move the sliders to your own view of NRDS. Starting points are the company's recent numbers.

Sales growth+12% a yearRecently: +12% a yearProfit margin8%Last 12 months: 7.6%P/E at the end12xToday: 12.2x. Many steady companies trade at 12x to 25xShare count change+3% a yearBelow zero means buybacks; above zero means new shares (dilution)

Sales in 5 years$1.5B

Profit in 5 years$121M

Price these guesses point to$19.65+82% vs $10.82 todayAbout +13% a year, before dividends

What today's price needs: with a 8% margin and a 12x P/E, sales could shrink about 0.6% a year for 5 years and still match today's price.

Simple math on your guesses, not a forecast or a price target. Real results depend on many things these sliders leave out.

Price

Price chart by TradingView.

Business quality

The checklist Warren Buffett-style investors use. Annual numbers for 2025.

2/6Weak

MissReturn on equity 15%+Earns a lot on the money owners have in the business.13.2%
PassDebt under half of equityNot relying on borrowed money.No debt reported
MissNet margin 10%+Keeps at least 10 cents of profit from each dollar of sales.5.8%
MissProfitable every yearSteady profits, not one good year.4 of 7 years
PassFree cash flow positiveBrings in more cash than it spends to run and grow.$130.3M
MissShare count not growingNot diluting owners. Falling means buybacks.+7.5% in 3 years

Revenue: $836.6M; +21.7% vs prior year
5-year growth: +27.8%/yr; revenue, per year
Total debt: None; 0.00x equity
Current ratio: 3.45x; short-term assets / bills due

From annual reports filed with the SEC. Not in this company's SEC data, so not scored: gross margin 40%+. A checklist is a starting point for research, not a verdict.

Latest quarter

Quarter ended Jun 30, 2026

Reported Aug 6

Revenue: $197.3M; +5.6% YoY
EPS: $0.07; vs $0.11
Op. margin: 3.5%; -2.2 pts
Gross margin: 93.2%; +2.1 pts
Free cash flow: $41.1M
Share count: -14.1%; vs a year ago

Insider rating

Last 90 days

No open-market insider buys or sells in the last 90 days.

Weekly insider trend

No trades to chart yet.

Filing buzz

Last 7 days vs normal

0/ 100

This week: 0
Normal week: 0.5
vs normal: 0.0x

SEC filings of any kind. 50 means a normal week.

Institutional ownership

Distributing-10.1%

Institutions cut 10.1% from their holdings. 75 bought, 87 sold.

Shares held by institutions27.3M

Sep '24Jun '26

Safety check

From SEC filings

Share count growthYearly rate, last 3 years

-6.2%

Cash runwayAt last year's cash burn

Cash flow positive

Debt to equityLatest balance sheet: debt compared with what owners have

No debt reported

Shares outstandingLatest reported

64M

Earnings reports

Last 12

Next reportAround Nov 5 (est.)Estimated from the same quarter last year

Results filedAug 6
Results filedMay 6
Results filedFeb 25
Results filedNov 6, 2025
Results filedAug 7, 2025

Flags and big holders

Offerings 6 months, flags 12 months, holders 90 days

No offerings, red flags or new big holders. Clean record.

Insider trades

Open-market buys and sells, last 90 days

No open-market buys or sells in 90 days. Grants and option exercises are left out.

"Owns after" is the insider's holding right after the trade. Pre-planned (10b5-1) sales are set up months ahead, a weaker signal.

Latest filings

Straight from SEC EDGAR

Shares withheld for taxesNicholas TatumChief Accounting Officer

2,990 shares at $9.78 · $29K

-4% of holdings
Now owns 69,466 shares
Filed 2 days after trade

Sep 1Form 4 ↗

Shares withheld for taxesTim Chao-ming ChenChief Executive Officer, Director, 10% owner

7,723 shares at $9.78 · $76K

-1% of holdings
Now owns 539,160 shares
Filed 2 days after trade

Sep 1Form 4 ↗

Shares withheld for taxesSam Brian MischnerChief Revenue Officer

22,643 shares at $9.78 · $221K

-9% of holdings
Now owns 228,121 shares
Filed 2 days after trade

Sep 1Form 4 ↗

Shares withheld for taxesJun Hyung LeeChief Financial Officer

13,299 shares at $9.78 · $130K

-4% of holdings
Now owns 354,783 shares
Filed 2 days after trade

Sep 1Form 4 ↗

Earnings resultsAug 6 · Form 8-K ↗Quarterly reportAug 6 · Form 10-Q ↗Planned insider saleJul 2 · Form 144 ↗

SoldTopline Capital Partners, LP10% owner

1,961,860 shares at $9.11 avg ($8.95 to $9.27) · $17.9M

-37% of holdings
Now owns 3,289,285 shares
Not a pre-planned sale
3 transactions
Filed same day

Jun 30Form 4 ↗

SoldTopline Capital Management, LLCInsider

1,961,860 shares at $9.11 avg ($8.95 to $9.27) · $17.9M

-37% of holdings
Now owns 3,289,285 shares
Not a pre-planned sale
Held by Topline Capital Partners, LP
3 transactions
Filed same day
Joint filing with 1 other

Jun 30Form 4 ↗

Insider tradeJun 3 · Form 4 ↗Insider tradeJun 3 · Form 4 ↗Insider tradeJun 3 · Form 4 ↗Insider tradeJun 3 · Form 4 ↗Planned insider saleJun 2 · Form 144 ↗Planned insider saleJun 2 · Form 144 ↗

Source: SEC EDGAR filings. For informational purposes. Not investment advice.

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