NerdWallet, Inc. Financial Ratios — 6OI Stock

Profitability (USD)

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	11.69	-24.98	-3.4	-3.33	8.32	13.19
Return on Assets (%)	- -	2.65	-13.73	-2.58	-2.8	7.1	10.84
Return on Capital (%)	- -	- -	- -	- -	-3.64	- -	12.89
Return on Invested Capital (%)	- -	- -	- -	- -	-1.85	- -	12.15
Gross Margin (%)	92.95	91.32	92.49	92.61	90.99	90.76	92.39
EBITDA Margin (%)	16.56	6.93	-3.13	3.34	8.64	8.41	13.34
Operating Margin (%)	12.44	0.45	-5.51	-2.28	0.6	1.37	7.79
Incremental Operating Margin (%)	- -	- -	- -	5.4	26.28	6.58	37.45
Pretax Margin (%)	12.22	0.37	-9.93	-3.71	1.05	0.73	8.15
Profit Margin (%)	10.6	2.16	-11.2	-1.89	-1.97	4.42	5.82
Net Income to Common Margin (%)	10.6	2.16	-11.2	-1.89	-1.97	4.42	5.82
Effective Tax Rate (%)	13.26	- -	- -	- -	287.3	- -	28.59
Dvd Payout Ratio (%)	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	11.69	-24.98	-3.4	-3.33	8.32	13.19

Credit (USD)

Credit Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	49	45	15	13	10	9	15
ST Debt	12	7	2	3	3	5	9
LT Debt	37	38	13	10	6	4	6
Total Debt/EBITDA	1.31	2.65	-1.27	0.71	0.19	0.15	0.13
Net Debt/EBITDA	-0.84	-3.12	14.1	-4.66	-1.94	-1.1	-0.82
Total Debt/EBIT	1.74	23.74	-0.39	-0.67	2.67	0.95	0.23
Net Debt/EBIT	-1.12	-27.95	4.3	4.42	-27.89	-6.79	-1.4
EBITDA to Interest Expense	34.36	15.45	-9.15	7.2	64.75	82.57	186
EBITDA-CapEx/Interest Expense	33.73	14.27	-10.92	5.36	63.88	81.71	183.83
EBIT to Interest Expense	25.82	1	-16.08	-4.92	4.5	13.43	108.67
Interest Expense	1	1	1	3	1	1	1
Common Equity/Total Assets	5.53	32.41	70.75	80.27	87.65	83.23	81.22
Long-Term Debt/Equity (%)	466.25	45.59	4.93	2.81	1.69	1.13	1.63
Long-Term Debt/Capital (%)	64.98	29.5	4.66	2.71	1.65	1.1	1.57
Long-Term Debt/Total Assets (%)	25.8	14.77	3.49	2.26	1.48	0.94	1.32
Total Debt/Equity (%)	617.5	54.53	5.86	3.72	2.62	2.44	3.98
Total Debt/Capital (%)	86.06	35.29	5.54	3.58	2.55	2.39	3.83
Total Debt/Total Assets (%)	34.16	17.67	4.15	2.98	2.29	2.03	3.23
Net Debt to Equity	-398.75	-64.21	-65.14	-24.55	-27.36	-17.52	-24.41
Net Debt/Capital (%)	312.75	-119.59	-159.96	-31.02	-36.36	-20.8	-31.4
EBITDA	38	17	-12	18	52	58	112
EBITDA-CapEx	37	16	-14	13	51	57	110
Operating Income (Loss)	28	1	-21	-12	4	9	65

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	2.51	3.56	2.58	1.19	2.75	1.14	1.42
Current Ratio	4.01	5.39	3.69	2.61	5.32	3.27	3.45
Quick Ratio	3.9	5.17	3.5	2.47	4.92	3	3.27
CFO/Avg Current Liab	- -	0.61	0.16	0.36	1.31	1.47	2.01
Common Equity/Total Assets	5.53	32.41	70.75	80.27	87.65	83.23	81.22
Long-Term Debt/Equity (%)	466.25	45.59	4.93	2.81	1.69	1.13	1.63
Long-Term Debt/Capital (%)	64.98	29.5	4.66	2.71	1.65	1.1	1.57
Long-Term Debt/Total Assets (%)	25.8	14.77	3.49	2.26	1.48	0.94	1.32
Total Debt/Equity (%)	617.5	54.53	5.86	3.72	2.62	2.44	3.98
Total Debt/Capital (%)	86.06	35.29	5.54	3.58	2.55	2.39	3.83
Total Debt/Total Assets (%)	34.16	17.67	4.15	2.98	2.29	2.03	3.23
CFO/Total Liabilities	22.99	8.93	6.76	29.76	139.46	97.82	151.96
CFO/CapEx	44.86	11.85	3.13	5.43	103	119.67	101.23
Altman's Z-Score	- -	- -	6.97	7.08	15.97	10.11	10

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	6.68	8	7.45	7.38	7.74	7.85
Days Sales Outstanding	- -	54.61	45.63	48.97	49.48	47.16	46.51
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover Days	- -	- -	- -	- -	- -	- -	- -
Cash Conversion Cycle	- -	- -	- -	- -	- -	- -	- -
Inventory to Cash Days	- -	- -	- -	- -	- -	- -	- -
Inventories	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	984	700	1,164	964	988
- Cash & Cash Equivalents	68	83	168	84	100	66	98
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	49	45	15	13	10	9	15
Enterprise Value	- -	- -	829	627	1,071	904	903
Total Capital	57	128	273	354	377	373	389
Total Debt/Capital (%)	86.06	35.29	5.54	3.58	2.55	2.39	3.83
Total Debt / EV	- -	- -	0.02	0.02	0.01	0.01	0.02
EV/Sales	- -	- -	2.18	1.16	1.79	1.32	1.08
EV/EBITDA	- -	- -	- -	34.83	20.67	15.65	8.09
EV/EBIT	- -	- -	- -	- -	297.41	96.22	13.84
EV/Cash Flow to Firm	- -	- -	- -	- -	15.16	- -	6.84
EV/Free Cash Flow to Firm	- -	- -	- -	- -	15.32	- -	6.91
Diluted Market Cap	- -	- -	764	658	1,160	1,027	1,052
Diluted Enterprise Value	- -	- -	610	585	1,067	967	967
EV per Share	- -	- -	12.43	8.35	13.92	12.21	12.66
TTM Sales	228	245	380	539	599	688	837
TTM EBITDA	38	17	-12	18	52	58	112
TTM Operating Income	28	1	-21	-12	4	9	65
TTM Cash Flow to Firm	32	- -	- -	- -	71	- -	132
TTM Free Cash Flow to Firm	32	- -	- -	- -	70	- -	131

Multiples (USD)

Valuation Multiples API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	156.02	32.26	16.25	14.42	8.08
EV/EBIT	- -	- -	- -	- -	297.41	96.22	13.84
Enterprise Value	- -	- -	829	627	1,071	904	903
Low Price	- -	- -	13.96	7.32	6.5	10.41	7.56
EV/Sales	- -	- -	2.18	1.16	1.79	1.32	1.08
EV/EBITDA	- -	- -	- -	34.83	20.67	15.65	8.09
Price/Earnings	- -	- -	- -	- -	- -	32.75	21.15
Price/Earnings Average	- -	- -	- -	- -	- -	35.13	17.51
Price/Earnings High	- -	- -	- -	- -	- -	42.86	25.83
Price/Earnings Low	- -	- -	- -	- -	- -	26.19	11.53
Price/Book Value	- -	- -	3.82	2.05	3.17	2.65	2.64
Price/Book Value Average	- -	- -	4.75	2.42	2.43	2.84	2.18
Price/Book Value High	- -	- -	7.19	3.5	4.64	3.46	3.22
Price/Book Value Low	- -	- -	3.61	1.61	1.36	2.12	1.44
Price/Tangible Book Value	- -	- -	5.28	4.21	5.58	4.41	4.31
Price/Tangible Book Value Average	- -	- -	6.57	4.97	4.28	4.73	3.56
Price/Tangible Book Value High	- -	- -	9.94	7.18	8.16	5.77	5.26
Price/Tangible Book Value Low	- -	- -	5	3.3	2.4	3.53	2.35
Price/Sales	- -	- -	2.01	1.22	1.94	1.45	1.23
Price/Sales Average	- -	- -	2.5	1.44	1.49	1.55	1.02
Price/Sales High	- -	- -	3.79	2.08	2.83	1.89	1.5
Price/Sales Low	- -	- -	1.91	0.96	0.83	1.16	0.67
Price/Cash Flow	- -	- -	106.18	26.33	16.09	13.86	7.83
Price/Cash Flow Average	- -	- -	132.03	31.12	12.35	14.87	6.48
Price/Cash Flow High	- -	- -	199.82	44.94	23.51	18.14	9.56
Price/Cash Flow Low	- -	- -	100.48	20.67	6.91	11.09	4.27
Price/Free Cash Flow Average	- -	- -	194	38.13	12.47	15.47	6.68
Price/Free Cash Flow High	- -	- -	293.62	55.08	23.74	18.87	9.86
Price/Free Cash Flow Low	- -	- -	147.64	25.33	6.98	11.53	4.4
EV/Sales Average	- -	- -	2.82	1.4	1.34	1.42	0.88
EV/Sales High	- -	- -	4.47	2.08	2.68	1.75	1.34
EV/Sales Low	- -	- -	2.05	0.88	0.68	1.03	0.54
EV/EBITDA Average	- -	- -	- -	41.91	15.45	16.86	6.56
EV/EBITDA High	- -	- -	- -	62.33	31.04	20.8	10.05
EV/EBITDA Low	- -	- -	- -	26.47	7.86	12.31	4.06
EV/EBIT Average	- -	- -	- -	- -	222.34	103.68	11.23
EV/EBIT High	- -	- -	- -	- -	446.61	127.88	17.19
EV/EBIT Low	- -	- -	- -	- -	113.05	75.69	6.95
Last Price	- -	- -	14.75	9.32	15.12	13.01	13.86
High Price	- -	- -	27.76	15.91	22.1	17.03	16.93
Enterprise Value Average	- -	- -	1,069	754	800	975	732
Enterprise Value High	- -	- -	1,697	1,122	1,608	1,202	1,121
Enterprise Value Low	- -	- -	776	476	407	711	453

Per Share Data Items (USD)

Per-Share Data API ChatGPT

	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Shares Outstanding	65	67	67	75	77	74	71
Diluted Weighted Avg Shares	57	57	52	71	77	79	76
Basic Weighted Avg Shares	57	57	52	71	77	77	74
Revenue per Share	4.03	4.33	7.32	7.63	7.81	8.99	11.26
EBITDA per Share	0.67	0.3	-0.23	0.25	0.68	0.76	1.5
Operating Income per Share	0.5	0.02	-0.4	-0.17	0.05	0.12	0.88
Basic EPS, GAAP	0.43	0.09	-0.82	-0.14	-0.15	0.4	0.66
Basic EPS from Cont Ops	0.43	0.09	-0.82	-0.14	-0.15	0.4	0.66
Diluted EPS, GAAP	0.43	0.09	-0.82	-0.14	-0.15	0.39	0.64
Diluted EPS from Cont Ops	0.43	0.09	-0.82	-0.14	-0.15	0.39	0.64
Dividend per Share	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	0.55	0.27	0.14	0.35	0.94	0.94	1.77
Free Cash Flow per Basic Share	0.54	0.25	0.09	0.29	0.93	0.93	1.75
Cash & Equivalents per Share	1.04	1.28	2.55	1.14	1.33	0.92	1.41
Book Value per Share	0.12	1.24	3.86	4.55	4.77	4.92	5.25
Tangible Book Value per Share	0.12	0.05	2.79	2.22	2.71	2.95	3.22