Stocktoria
NERDWALLET, INC. NRDS
Nasdaq · XNAS · stock · Services-Computer Processing & Data Preparation · website · IPO 2021-11-04
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7/9
Piotroski F — financial health
6.63
Altman Z″ — distress risk · safe
—
Dividend payout · no dividend
Financials & ratios (annual, from 10-K)
| Metric | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|
| Financials | |||||
| Revenue | $836.6M | $687.6M | $599.4M | $538.9M | $379.6M |
| Operating income | $65.2M | $9.4M | $3.6M | -$19.0M | -$39.0M |
| Net income | $48.7M | $30.4M | -$11.8M | -$10.2M | -$42.5M |
| Operating cash flow | $131.6M | $71.8M | $72.1M | $25.0M | $7.2M |
| Free cash flow | $130.3M | $71.2M | $71.4M | $20.4M | $4.9M |
| Total assets | $461.1M | $437.6M | $418.6M | $425.7M | $364.1M |
| Total liabilities | $86.6M | $73.4M | $51.7M | $84.0M | $106.5M |
| Shareholders' equity | $374.5M | $364.2M | $366.9M | $341.7M | $257.6M |
| Ratios | |||||
| Operating margin | 7.8% | 1.4% | 0.6% | -3.5% | -10.3% |
| Net margin | 5.8% | 4.4% | -2.0% | -1.9% | -11.2% |
| FCF margin | 15.6% | 10.4% | 11.9% | 3.8% | 1.3% |
| Return on assets | 10.6% | 6.9% | -2.8% | -2.4% | -11.7% |
| Return on equity | 13.0% | 8.3% | -3.2% | -3.0% | -16.5% |
| Debt / equity | — | — | — | — | 0.00× |
| Current ratio | 3.45 | 3.27 | 5.32 | 2.61 | 3.69 |
| Revenue growth | 21.7% | 14.7% | 11.2% | 42.0% | 54.7% |
Notable holders (13F)
| Investor | Shares | Value |
|---|---|---|
| RENAISSANCE TECHNOLOGIES LLC | 1,002,275 | $10.4M |
| Point72 Asset Management, L.P. | 125,377 | $1.3M |
Why these scores methodology →
Piotroski F-score: 7/9
- Positive return on assets
- Positive operating cash flow
- Rising ROA
- Cash flow exceeds net income
- Lower long-term debt
- Rising current ratio
- No share dilution
- Rising gross margin
- Rising asset turnover
Altman Z″: 6.63 (safe)
- Working capital / assets 0.377
- Retained earnings / assets -0.408
- EBIT / assets 0.141
- Equity / liabilities 4.324
Sector peers
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Source: SEC EDGAR filings · CIK 0001625278 · as of 2025-12-31. Figures are facts from filings plus Stocktoria's own computed scores — not investment advice.