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Upturn AI SWOT - About
NRDS 
Nerdwallet Inc (NRDS)
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Upturn Advisory Summary
04/01/2025: NRDS (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
AI Based Fundamental Rating
Below Average Performance
These Stocks/ETFs, based on Upturn Advisory, often underperform the market, warranting careful consideration before investing.
Analysis of Past Performance
Type Stock | Historic Profit -44.55% | Avg. Invested days 31 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  2.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 04/01/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 668.45M USD | Price to earnings Ratio 23.82 | 1Y Target Price 16.5 |
Price to earnings Ratio 23.82 | 1Y Target Price 16.5 | ||
Volume (30-day avg) 851769 | Beta 1.4 | 52 Weeks Range 8.75 - 16.45 | Updated Date 04/1/2025 |
52 Weeks Range 8.75 - 16.45 | Updated Date 04/1/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) 0.38 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin 4.42% | Operating Margin (TTM) 6.15% |
Management Effectiveness
Return on Assets (TTM) 2.89% | Return on Equity (TTM) 8.32% |
Valuation
Trailing PE 23.82 | Forward PE 26.6 | Enterprise Value 611075888 | Price to Sales(TTM) 0.97 |
Enterprise Value 611075888 | Price to Sales(TTM) 0.97 | ||
Enterprise Value to Revenue 0.89 | Enterprise Value to EBITDA 11.3 | Shares Outstanding 42422200 | Shares Floating 30444239 |
Shares Outstanding 42422200 | Shares Floating 30444239 | ||
Percent Insiders 7.1 | Percent Institutions 81.87 |
Analyst Ratings
Rating 4.29 | Target Price 17 | Buy 1 | Strong Buy 4 |
Buy 1 | Strong Buy 4 | ||
Hold 2 | Sell - | Strong Sell - | |
Strong Sell - |
Upturn AI SWOT
Nerdwallet Inc
Company Overview
History and Background
NerdWallet, Inc. was founded in 2009 to provide consumers with clarity on complex financial decisions. Initially focused on credit cards, it has expanded to cover various financial products and services.
Core Business Areas
- Credit Cards: Provides comparisons and reviews of credit cards, helping users find the best options for their needs.
- Banking: Offers resources and tools related to checking accounts, savings accounts, and certificates of deposit (CDs).
- Loans: Facilitates comparison of personal loans, mortgages, student loans, and auto loans.
- Investing: Provides information and resources for investing, including brokerage accounts and retirement planning.
- Insurance: Offers guides and comparison tools for insurance products such as auto, home, and life insurance.
Leadership and Structure
The leadership team includes Tim Chen (Co-Founder & CEO). The company has a functional organizational structure with departments focused on engineering, product development, marketing, and finance.
Top Products and Market Share
Key Offerings
- Credit Card Comparison: Allows users to compare different credit cards based on rewards, interest rates, and fees. It is estimated NerdWallet has significant traffic but no specific market share figure is publicly available. Competitors include Credit Karma (INTU), Bankrate, and Experian.
- Mortgage Rate Comparison: Enables users to compare mortgage rates from different lenders. The mortgage comparison market is fragmented. Competitors include Zillow (ZG), LendingTree (TREE), and Rocket Companies (RKT).
- Personal Loan Comparison: Provides tools to compare rates from multiple lenders. Personal loan comparison is increasingly competitive with players like LendingClub (LC) and Upstart (UPST).
Market Dynamics
Industry Overview
The financial services comparison industry is growing, driven by increased consumer demand for transparency and personalized advice. Fintech advancements are disrupting traditional financial institutions.
Positioning
NerdWallet positions itself as a trusted, unbiased source of financial information, leveraging user-generated content and educational resources. It's a pure-play comparison platform differentiating from companies like Intuit and Zillow, which have broader financial and real estate platforms, respectively.
Total Addressable Market (TAM)
The estimated total addressable market for financial comparison platforms is substantial, estimated in the billions of dollars annually. NerdWallet is positioned to capture a portion of this TAM by expanding its product offerings and user base.
Upturn SWOT Analysis
Strengths
- Strong brand reputation for unbiased advice
- Large user base and website traffic
- Diversified product offerings across financial services
- Focus on organic growth and content marketing
Weaknesses
- Reliance on affiliate marketing revenue
- Competition from larger, well-funded players
- Vulnerability to changes in search engine algorithms
- Limited international presence
Opportunities
- Expansion into new financial product categories
- Increased personalization and data-driven recommendations
- Partnerships with financial institutions
- Growing demand for financial literacy
Threats
- Increased regulatory scrutiny of financial advertising
- Changes in consumer behavior and adoption of new technologies
- Data security breaches
- Economic downturn affecting consumer spending
Competitors and Market Share
Key Competitors
- INTU
- TREE
- LC
- UPST
- ZG
- GOOG
- META
- ALLY
Competitive Landscape
NerdWalletu2019s advantage lies in its strong brand and unbiased approach. Disadvantages include reliance on traffic, requiring SEO expertise and ad spending, plus their smaller size and scope compared to broader offerings from Intuit, Zillow, Google or Meta
Major Acquisitions
On the Barrelhead
- Year: 2020
- Acquisition Price (USD millions): 14.7
- Strategic Rationale: To expand NerdWallet's personal finance content and expertise, specifically in topics around money management.
Growth Trajectory and Initiatives
Historical Growth: Growth trajectory will depend on specific financial results. However they have grown steadily since going public.
Future Projections: Future projections depend on analyst estimates.
Recent Initiatives: Recent initiatives include expansion of its credit card and banking offerings, as well as investments in data science and personalization.
Summary
NerdWallet is a reputable platform providing financial guidance to consumers. Its strengths include a strong brand and diversified product offerings. However, it faces competition from larger companies and is reliant on traffic. To sustain growth, NerdWallet must capitalize on opportunities in new markets and personalized recommendations, while mitigating threats from regulatory changes and economic uncertainty.
Similar Companies
- INTU
- TREE
- LC
- UPST
- ALLY
- GOOG
- META
Sources and Disclaimers
Data Sources:
- Company Filings
- Industry Reports
- Analyst Estimates
Disclaimers:
This analysis is based on publicly available information and should not be considered financial advice. Market share estimates are approximate.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Nerdwallet Inc
Exchange NASDAQ | Headquaters San Francisco, CA, United States | ||
IPO Launch date 2021-11-04 | Co-founder, Chairman & CEO Mr. Tim Chen | ||
Sector Communication Services | Industry Internet Content & Information | Full time employees 650 | Website https://www.nerdwallet.com |
Full time employees 650 | Website https://www.nerdwallet.com | ||
NerdWallet, Inc. operates a digital platform that provides financial guidance to consumers and small and mid-sized businesses (SMB) in the United States, the United Kingdom, Australia, and Canada. The company's NerdWallet app delivers various financial products, such as credit cards, mortgages, insurance, SMB products, personal loans, banking, investing, and student loans. It also provides guidance to consumers through educational content, tools and calculators, and product marketplaces. NerdWallet, Inc. was founded in 2009 and is based in San Francisco, California.
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