NerdWallet, Inc. (NRDS) - Stock Analysis
Last updated: Jan 14, 2026
Research Idea
Research content for general circulation. Not individualized advice. Methodology & Disclosures
NerdWallet (NRDS) presents strong Q3 earnings beat, robust revenue and margin expansion, solid liquidity, share repurchases, and recent strong price momentum breaking resistance, making it a compelling near-term growth opportunity tempered by sector regulatory risks.
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AI Analyst Overview
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Valuation Metrics
Fundamental Analysis
Key Financial Insights: ⢠Improving margins ⢠Zero debt ⢠High SG&A NRDS has materially improved margins and strong liquidity with zero debt and healthy FCF, but high SG&A, large intangibles/negative retained earnings and only moderate ROE limit upside.
Price Behavior
Key Price Behavior Insights: ⢠Gradual downtrend ⢠Support testing ⢠Resistance holding Support Level: $13.00â$13.30 Resistance Level: $15.50â$16.00 NRDS has trended down over the last month from ~$15.90â$16.00 to about $13.14, breaching prior supports and suggesting continued bearish momentum unless it reclaims $14 or falls below $13.
Sentiment & News
Key News Insights: ⢠Revenue diversification ⢠Next Door acquisition ⢠LLM traffic adoption NerdWallet reported 12.4% Y/Y Q3 revenue growth to $215.1M driven by diversification into insurance/loans, the Next Door Lending acquisition, a $50M buyback boost, and LLM-driven traffic adoption, signaling greater resilience vs. peers.
AI Summary
NRDS is transitioning from a search-dependent media business into a conversion-driven, cash-generative marketplace, so the investment thesis now hinges on unit economics, conversion rates, and capital allocation rather than raw traffic. Actionable watch: require sequential growth in LLM-driven referral revenue share and a clear decline in SG&A intensity (or rising ROE) to validate upside; failure to scale LLMs or worsening partner/search economics would materially impair the thesis.
Description
NerdWallet, Inc. operates an online platform that provides personal finance information and connects consumers and small-to-mid-sized businesses with financial product providers. Its website and mobile app combine educational content, calculators and comparison marketplaces to help users evaluate a range of retail financial products, including lending, banking, insurance and investment offerings. The company, founded in 2009, serves customers in the United States, the United Kingdom and Canada and is headquartered in San Francisco, California.
Idea History
| Date | Close | Ticker | Company | Summary | Status | P/L |
|---|---|---|---|---|---|---|
| Nov 25 | Dec 2 | NRDS | NerdWallet, Inc. | NerdWallet (NRDS) presents strong Q3 earnings beat, robust revenue and margin expansion, solid liquidity, share repurchases, and recent strong price momentum breaking resistance, making it a compelling near-term growth opportunity tempered by sector regulatory risks. | Closed | +8.6% |