NERDWALLET, INC. financial metrics

Professional SEC-based dashboard for profitability, financial health, and growth with transparent scoring logic. Latest period: Q4 2025.

Symbol
NRDS on Nasdaq
Location
San Mateo, CA
Fiscal year end
31 December
Latest financial report
25 Feb 2026

Quick Takeaways

  • NRDS - NERDWALLET, INC. financial facts are built from SEC company filings data.
  • Latest metrics period on this page: Q4 2025.
  • Headline metric: Return On Equity 13%.

What Changed

  • Return On Equity YoY change: <span class="text-green-600">+59%</span>.
  • Most recent SEC facts end date: 31 Dec 2025.

Why This Matters

  • This gives a beginner-friendly first read before you inspect detailed formulas and metric tables.
  • Every metric card links to a deeper SEC-backed history page for verification.

Official SEC Source

Based on latest 10-Q/10-K

Facts and ratios are grounded in SEC company facts linked to the latest 10-Q/10-K cycle.

See Original Filing

Latest SEC snapshot (2025-12-31) highlights Return On Equity 13.2%, Return On Assets 9.1%, and Operating Margin 8.6%.

Financial Quality Score

Transparent 0-100 scoring model based on profitability, financial health, and growth factors.

68.8/100

Balanced Confidence high

Return On Equity

13%

Metric score 30.5/100

Return On Assets

9.1%

Metric score 88.4/100

Financial Health

Current Ratio
3.45x
Quick Ratio
3.17x
Debt to Equity
0.04x

Strengths

Return On Assets, Debt-to-equity, and Revenues YoY

Watchpoints

Return On Equity and Operating Margin

Key metrics snapshot

Return On Equity

13%

YoY: +59%

Industry median: 21% (n=103)

View history

Return On Assets

9.1%

YoY: +53%

Industry median: -10% (n=100)

View history

Operating Margin

8.6%

YoY: +470%

Industry median: -3.8% (n=72)

View history

Current Ratio

3.45x

YoY: +5.5%

Industry median: 1.09x (n=98)

View history

Quick Ratio

3.17x

YoY:

Industry median: 0.92x (n=62)

View history

Debt-to-equity

0.04x

YoY: +20%

Industry median: 0.22x (n=79)

View history

Revenues YoY

22%

YoY:

Industry median: 8.4% (n=77)

View history

NetIncomeLoss YoY

60%

YoY:

Industry median: 15% (n=94)

View history

Profitability

Metric Latest value YoY change
Return On Equity 13% +59%
Return On Assets 9.1% +53%
Operating Margin 8.6% +470%

Financial Health

Metric Latest value YoY change
Current Ratio 3.45x +5.5%
Quick Ratio 3.17x
Debt-to-equity 0.04x +20%

Growth

Metric Latest value YoY change
Revenues YoY 22%
NetIncomeLoss YoY 60%

Share Metrics

Metric Latest value YoY change
Common Stock, Shares, Outstanding 71,289,000 -3.8%
Common Stock, Value, Issued $0
Weighted Average Number of Shares Outstanding, Basic 74,300,000 -2.9%
Weighted Average Number of Shares Outstanding, Diluted 75,900,000 -3.8%

Additional Metrics

Metric Latest value YoY change
Revenue from Contract with Customer, Excluding Assessed Tax $836,600,000 +22%
Cost of Revenue $63,700,000 +0.32%
Research and Development Expense $66,700,000 -19%
Selling and Marketing Expense $584,700,000 +24%
General and Administrative Expense $56,300,000 -8.6%
Costs and Expenses $771,400,000 +14%
Operating Income (Loss) $65,200,000 +594%
Nonoperating Income (Expense) $3,000,000
Income (Loss) from Continuing Operations before Income Taxes, Noncontrolling Interest $68,200,000 +1264%
Income Tax Expense (Benefit) $19,500,000
Earnings Per Share, Basic 0.66 +65%
Earnings Per Share, Diluted 0.64 +68%
Cash and Cash Equivalents, at Carrying Value $98,300,000 +48%
Other Assets, Current $400,000 -76%
Assets, Current $244,700,000 +24%
Deferred Income Tax Assets, Net $29,400,000 -36%
Property, Plant and Equipment, Net $31,800,000 -26%
Operating Lease, Right-of-Use Asset $7,100,000 +34%
Goodwill $123,500,000 +9.9%
Other Assets, Noncurrent $3,100,000 +138%
Assets $461,100,000 +5.4%
Accounts Payable, Current $5,400,000 -39%
Liabilities, Current $70,900,000 +18%
Operating Lease, Liability, Noncurrent $6,100,000 +49%
Other Liabilities, Noncurrent $15,700,000 +18%
Liabilities $86,600,000 +18%
Accumulated Other Comprehensive Income (Loss), Net of Tax $100,000
Retained Earnings (Accumulated Deficit) $188,100,000 -13%
Stockholders' Equity Attributable to Parent $374,500,000 +2.8%
Liabilities and Equity $461,100,000 +5.4%
Common Stock, Shares Authorized 296,686,000 0%
Common Stock, Shares, Issued 71,289,000 -3.8%
Common Stock, Par or Stated Value Per Share 0.0001 0%
Cash, Cash Equivalents, Restricted Cash and Restricted Cash Equivalents $98,300,000 +48%
Deferred Tax Assets, Valuation Allowance $14,400,000 +2.1%
Deferred Tax Assets, Gross $56,400,000 -28%
Operating Lease, Liability $8,000,000 +25%
Comprehensive Income (Loss), Net of Tax, Attributable to Parent $49,000,000 +61%
Lessee, Operating Lease, Liability, to be Paid $9,000,000 +27%
Property, Plant and Equipment, Gross $105,300,000 -21%
Operating Lease, Liability, Current $1,900,000 -17%
Lessee, Operating Lease, Liability, to be Paid, Year Two $2,300,000 +64%
Lessee, Operating Lease, Liability, to be Paid, Year One $2,400,000 -7.7%
Operating Lease, Weighted Average Discount Rate, Percent 0.061 +13%
Lessee, Operating Lease, Liability, Undiscounted Excess Amount $1,000,000 +43%
Lessee, Operating Lease, Liability, to be Paid, Year Three $2,300,000 +77%
Deferred Tax Assets, Operating Loss Carryforwards $5,500,000 +72%
Preferred Stock, Shares Issued 0
Preferred Stock, Shares Authorized 5,000,000 0%
Unrecognized Tax Benefits $14,200,000 +4.4%
Lessee, Operating Lease, Liability, to be Paid, Year Four $1,500,000 +15%
Additional Paid in Capital $562,500,000 +6%
Preferred Stock, Shares Outstanding 0
Share-based Payment Arrangement, Expense $28,600,000 -21%
Preferred Stock, Par or Stated Value Per Share 0.0001 0%

How we score

This score is transparent and deterministic. We weight profitability, financial health, and growth metrics, then renormalize weights when SEC data is missing.

Metric Weight V1 threshold
ROIC205% to 20%
ROE158% to 25%
ROA102% to 10%
Operating Margin55% to 25%
Current Ratio121.0x to 2.0x
Quick Ratio80.8x to 1.5x
Debt to Equity100.3x to 2.0x (lower is better)
Revenue YoY10-10% to +20%
Net Income YoY10-10% to +20%

How Calculated (standard_v1)

Metrics are computed with a market-consensus convention designed for cross-portal comparability.

  • TTM Operating Income / TTM Revenues
  • Current Assets / Current Liabilities (latest instant quarter)
  • (Current Assets - Inventory) / Current Liabilities; fallback: (Cash+Short-Term Investments + Accounts Receivable) / Current Liabilities
  • Total Debt / Stockholders Equity (latest instant quarter; shared unit; freshest series)
  • TTM Net Income / Average Equity (current quarter + same quarter previous year) / 2
  • TTM Net Income / Average Assets (current quarter + same quarter previous year) / 2
  • TTM NOPAT / Average Invested Capital, where NOPAT=Operating Income*(1-tax rate), Invested Capital=Equity+Total Debt-Cash & ST Investments
  • TTM Revenues YoY
  • TTM Net Income YoY