US · NRDS
NerdWallet, Inc.
- Sector
- Financial Services · Financial - Credit Services
- Headquarters
- San Francisco, CA 94105
- Website
- nerdwallet.com
Price · as of 2025-12-31
$11.01
Market cap 806.14M
Valuation summary
Four models, one snapshot. Upside is target ÷ current − 1.
| Valuation method | Value, $ | Upside, % |
|---|---|---|
| Artificial Intelligence(AI) | $47.84 | +334.51% |
| Intrinsic Value(DCF) | $62.14 | +464.4% |
| Graham-Dodd Method(GD) | $6.66 | -39.55% |
| Graham Formula(GF) | $18.87 | +71.4% |
Valuation history
Annual price (USD per share) overlaid with each model's fair value. Y-axis is log scale.
| Year | Price | AI | DCF | Graham-Dodd | Graham Formula |
|---|---|---|---|---|---|
| 2011 | |||||
| 2012 | |||||
| 2013 | |||||
| 2014 | |||||
| 2015 | |||||
| 2016 | |||||
| 2017 | |||||
| 2018 | |||||
| 2019 | |||||
| 2020 | $0.99 | $1.22 | |||
| 2021 | $10.25 | $57.12 | $2,040.89 | $0.02 | $0.00 |
| 2022 | $19.11 | $39.95 | $593.90 | $2.54 | $0.00 |
| 2023 | $15.94 | $35.02 | $96.42 | $2.56 | $0.00 |
| 2024 | $9.40 | $47.83 | $19.23 | $5.28 | $8.86 |
| 2025 | $11.08 | $47.84 | $38.28 | $6.66 | $18.87 |
AI valuation
Our deep-learning model estimates NerdWallet, Inc.'s (NRDS) per-share fair value from quarterly fundamentals, sector trend, and historical valuation patterns.
- AI fair value
- $47.84
- Current price
- $11.01
- AI upside
- +334.51%
Methodology and confidence bands appear in the dedicated valuation theory section. The AI score is an estimate, not a recommendation.
Intrinsic value (DCF)
Open DCF calculatorThree textbook valuation models, recomputed daily from the latest financial statements. The DCF uses our Chepakovich model. Graham-Dodd and Graham Formula are conservative reference points.
DCF
$62.14
+464.4% upside
Graham-Dodd
$6.66
-39.55% upside
Graham Formula
$18.87
+71.4% upside
Peer comparison
Same-industry comparables, ranked by market cap.
| Basic Info | Model Valuation | Core Valuation | Profitability | Leverage & Liquidity | Growth | Cash Flow | Dividends | Enterprise Value | Risk | ||||||||||||||||||||||||||||
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
| Ticker | Company Name | Price | Market Cap | AI Upside | DCF Upside | GD Upside | GF Upside | P/E | P/B | P/S | EV/EBITDA | PEG | P/TBV | Gross Margin | Operating Margin | Net Margin | ROE | ROIC | ROA | Debt/Equity | Interest Coverage | Current Ratio | Quick Ratio | Net Debt/EBITDA | EPS Growth | Sales Growth | FCF Growth | FCF Yield | Op Cash Flow Ratio | Cash ROIC | Dividend Yield | Dividend Payout | Shareholder Yield | EV/EBIT | EV/FCF | EV/Sales | Altman Z-Score |
| NRDS | NerdWallet, Inc. | $11.01 | 806.14M | +335% | +464% | -40% | +71% | 16.90 | 2.20 | 0.98 | 6.25 | 26.37 | 3.59 | 92.39% | 8.32% | 5.82% | 13.19% | 17.11% | 10.84% | 0.00 | 116.00 | 3.45 | 2.95 | -0.85 | 6410.00% | 2167.00% | 8301.00% | 15.83% | 1.86 | 44.87% | 0.00% | 0.00% | 13.50% | 10.42 | 5.56 | 0.87 | 7.90 |
| AMSF | AMERISAFE, Inc. | $32.53 | 617.77M | +93% | -16% | +3% | -19% | 13.53 | 0.56 | 2.01 | 9.79 | — | 0.56 | 46.43% | 18.55% | 14.86% | 6.79% | 7.89% | 6.83% | 0.00 | — | — | — | -1.05 | -1453.00% | 263.00% | -6179.00% | 1.40% | — | 1.49% | 7.62% | 103.10% | 10.42% | 9.79 | 64.58 | 1.82 | 3.07 |
| ATLC | Atlanticus Holdings Corpo… | $52.31 | 792.05M | +256% | +398% | -14% | +371% | 6.10 | 1.38 | 1.48 | 19.54 | 48.83 | 1.38 | 61.59% | 30.15% | 24.22% | 25.08% | 4.68% | 3.72% | 5.08 | 0.87 | 5.21 | 5.21 | 14.81 | 1250.00% | 2568.00% | 270.00% | 68.84% | 6.51 | 19.88% | 3.79% | 23.10% | 11.54% | 20.27 | 6.01 | 6.11 | 0.71 |
| BBDC | Barings BDC, Inc. | $8.44 | 887.54M | +223% | -59% | — | +202% | 7.66 | 0.78 | 3.63 | 11.87 | — | 0.78 | 74.00% | 85.18% | 40.96% | 10.02% | 8.03% | 4.42% | 1.23 | 2.49 | 3.62 | 2.38 | 7.14 | -673.00% | 1900.00% | 3623.00% | 17.79% | 3.54 | 6.31% | 13.88% | 106.30% | 15.61% | 10.69 | 14.11 | 9.10 | 0.41 |
| CPF | Central Pacific Financial… | $31.85 | 853.8M | -9% | +33% | +15% | +30% | 11.12 | 1.45 | 2.38 | 1.51 | 24.33 | 1.47 | 76.12% | 27.79% | 21.38% | 13.70% | -50.52% | 1.04% | 0.22 | 1.37 | 33.66 | 33.66 | 0.39 | 4569.00% | 642.00% | 2922.00% | 11.32% | 3.81 | -62.03% | 0.00% | 0.00% | 0.00% | 1.51 | 1.56 | 0.42 | 0.34 |
| HFWA | Heritage Financial Corpor… | $26.41 | 896.8M | +53% | -6% | -41% | +4% | 13.31 | 0.98 | 2.68 | 3.53 | 22.92 | 1.32 | 72.43% | 23.15% | 20.10% | 7.57% | 19.35% | 0.96% | 0.05 | 0.87 | 1.18 | 1.18 | -0.13 | 5806.00% | 592.00% | -4874.00% | 3.48% | 0.01 | 9.06% | 3.63% | 48.30% | 37.42% | 3.61 | 8.99 | 0.84 | 0.40 |
| LX | LexinFintech Holdings Ltd… | $2.89 | 492.67M | +317% | +27% | +305% | +433% | 9.29 | 0.95 | 0.72 | 8.71 | 368.26 | 1.04 | 35.39% | 16.10% | 7.75% | 10.76% | 14.26% | 4.85% | 0.49 | 253.83 | 1.86 | 0.85 | 1.99 | 252.00% | 878.00% | -6737.00% | 8.16% | 0.11 | 6.40% | 1.61% | 14.90% | 1.61% | 5.76 | 15.77 | 0.93 | 2.45 |
| MCB | Metropolitan Bank Holding… | $84.15 | 866.58M | +5% | +146% | +23% | +18% | 12.80 | 1.23 | 1.73 | 3.15 | 110.05 | 1.23 | 52.64% | 19.26% | 13.49% | 9.65% | 13.26% | 0.91% | 0.00 | 0.48 | — | — | -0.12 | 1164.00% | 710.00% | -3919.00% | 9.74% | — | 16.54% | 0.00% | 0.00% | 29.58% | 3.15 | 3.60 | 0.61 | 0.34 |
| QD | Qudian Inc. | $3.20 | 528.4M | +279% | +45% | +181% | +69% | 39.38 | 0.32 | 16.69 | -14.04 | 22.87 | 0.32 | 7.12% | -142.38% | 42.38% | 0.80% | -5.10% | 0.74% | 0.07 | — | 9.02 | 6.81 | -16.32 | 17222.00% | 7131.00% | 10140.00% | -11.87% | -0.10 | -12.19% | 0.00% | 0.00% | 14.76% | 9.71 | 6.97 | -13.82 | 3.63 |
| UVE | Universal Insurance Holdi… | $35.17 | 986.48M | +173% | -20% | +49% | +141% | 5.53 | 1.84 | 0.63 | 2.55 | 2.58 | 1.85 | 38.21% | 15.23% | 11.47% | 39.59% | 159.97% | 8.36% | 0.18 | 50.30 | 19.39 | 19.39 | -1.51 | 21443.00% | 494.00% | 19006.00% | 37.24% | 13.36 | 329.68% | 0.00% | 0.00% | 21.65% | 2.61 | 1.68 | 0.40 | 2.93 |
| WRLD | World Acceptance Corporat… | $134.88 | 679.54M | +144% | -35% | +19% | -18% | 10.00 | 2.04 | 1.59 | 8.57 | 42.42 | 2.11 | 70.04% | 28.06% | 15.89% | 20.78% | 13.06% | 8.70% | 1.20 | 3.71 | 12.55 | 12.55 | 3.13 | 2358.00% | -146.00% | -361.00% | 27.91% | 3.88 | 25.75% | 0.00% | 0.00% | 11.64% | 8.92 | 5.64 | 2.50 | 3.17 |
About NerdWallet, Inc.
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.
- CEO
- Tim Chen
- Employees
- 650
- Beta
- 1.43
Disclaimer: Information on this page is provided for educational purposes only and does not constitute investment advice. Upside computed as ($62.14 ÷ $11.01) − 1 = +464.4% (DCF, example).