NerdWallet, Inc.

NRDS

NRDSNerdWallet, Inc. US flag

NASDAQ Global Market

8.75

USD

-0.30

- -

636.65MMarket Cap

Income Statement (USD)

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

Sales/Revenue/Turnover	228	245	380	539	599	688	837
+ Sales & Services Revenue	228	245	380	539	599	688	837
- Cost of Revenue	16	21	28	40	54	64	64
+ Cost of Goods & Services	16	21	28	40	54	64	64
Gross Profit	212	224	351	499	545	624	773
+ Other Operating Income	- -	- -	- -	- -	- -	- -	- -
- Operating Expenses	184	223	372	511	542	615	708
+ Selling, General & Admin	138	172	310	434	461	532	641
+ Research & Development	46	51	62	78	80	82	67
+ Other Operating Expense	- -	- -	- -	- -	- -	- -	- -
Operating Income (Loss)	28	1	-21	-12	4	9	65
- Non-Operating (Income) Loss	- -	- -	17	8	-3	4	-3
+ Interest Expense, Net	- -	1	1	1	-3	-4	-3
+ Interest Expense	1	1	1	2	1	1	1
- Interest Income	1	- -	- -	2	4	5	3
+ Other Non-Op (Income) Loss	- -	-1	16	7	- -	8	- -
Pretax Income	28	1	-38	-20	6	5	68
- Income Tax Expense (Benefit)	4	-4	5	-10	18	-25	20
- (Income) Loss from Affiliates	- -	- -	- -	- -	- -	- -	- -
Income (Loss) from Cont Ops	24	5	-42	-10	-12	30	49
- Net Extraordinary Losses (Gains)	- -	- -	- -	- -	- -	- -	- -
+ Discontinued Operations	- -	- -	- -	- -	- -	- -	- -
+ Extraord. & Accounting Changes	- -	- -	- -	- -	- -	- -	- -
Income (Loss) Incl. MI	24	5	-42	-10	-12	30	49
- Minority Interest	- -	- -	- -	- -	- -	- -	- -
Net Income, GAAP	24	5	-42	-10	-12	30	49
- Preferred Dividends	- -	- -	- -	- -	- -	- -	- -
- Other Adjustments	- -	- -	- -	- -	- -	- -	- -
Net Income Avail to Common, GAAP	24	5	-42	-10	-12	30	49
EBIT	28	1	-21	-12	4	9	65
EBITDA	38	16	6	25	52	58	112
EBITDA Margin (%)	16.56	6.6	1.63	4.58	8.64	8.41	13.34
EBITA	28	1	-21	-12	4	9	65
Gross Margin (%)	92.95	91.32	92.49	92.61	90.99	90.76	92.39
Operating Margin (%)	12.44	0.45	-5.51	-2.28	0.6	1.37	7.79
Profit Margin (%)	10.6	2.16	-11.2	-1.89	-1.97	4.42	5.82
Sales per Employee	- -	- -	- -	- -	- -	- -	- -
Dividend per Share	- -	- -	- -	- -	- -	- -	- -
Depreciation Expense	9	15	27	37	48	48	46
Basic Weighted Avg Shares	57	57	52	71	77	76	74
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 Weighted Avg Shares	57	57	52	71	77	79	76
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

Balance Sheet (USD)

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 Current Assets	108	129	243	189	198	197	245
+ Cash, Cash Equivalents & STI	68	85	170	86	102	68	101
+ Cash & Cash Equivalents	68	83	168	84	100	66	98
+ ST Investments	- -	2	2	2	2	2	2
+ Accounts & Notes Receiv	37	39	61	93	81	112	132
+ Accounts Receivable, Net	36	37	58	87	76	102	111
+ Notes Receivable, Net	- -	- -	- -	- -	- -	- -	- -
+ Loans Receivable, Net	- -	- -	- -	- -	- -	3	7
+ Other Receivable, Net	1	1	3	6	6	7	13
+ Inventories	- -	- -	- -	- -	- -	- -	- -
+ Raw Materials	- -	- -	- -	- -	- -	- -	- -
+ Work In Process	- -	- -	- -	- -	- -	- -	- -
+ Finished Goods	- -	- -	- -	- -	- -	- -	- -
+ Inventory Adjustments	- -	- -	- -	- -	- -	- -	- -
+ Other Inventory	- -	- -	- -	- -	- -	- -	- -
+ Other ST Assets	3	5	12	10	15	16	13
+ Misc ST Assets	- -	- -	- -	- -	- -	- -	- -
+ Prepaid Expenses	- -	- -	- -	- -	- -	- -	- -
+ ST Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ ST Assets Held-for-Sale	- -	- -	- -	- -	- -	- -	- -
+ ST Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
Total Noncurrent Assets	37	126	121	236	220	241	216
+ Property, Plant & Equip, Net	34	42	49	60	60	48	39
+ Property, Plant & Equip	52	73	96	128	136	138	112
- Accumulated Depreciation	18	32	47	67	76	90	74
+ LT Investments & Receivables	- -	- -	- -	- -	- -	- -	- -
+ LT Investments	- -	- -	- -	- -	- -	- -	- -
+ LT Receivables	- -	- -	- -	- -	- -	- -	- -
+ Other LT Assets	3	84	72	176	160	193	178
+ Total Intangible Assets	- -	79	71	175	158	146	145
+ Goodwill	- -	44	44	111	112	112	124
+ Other Intangible Assets	- -	36	28	64	47	33	22
+ LT Deferred Tax Assets	- -	- -	- -	- -	- -	- -	- -
+ LT Derivative & Hedging Assets	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Assets	2	5	1	1	2	47	32
Total Assets	145	255	364	426	419	438	461
+ Payables & Accruals	4	8	7	5	4	17	9
+ Accounts Payable	2	5	3	4	2	9	5
+ Accrued Taxes	- -	1	2	- -	- -	3	- -
+ Interest & Dividends Payable	- -	- -	- -	- -	- -	- -	- -
+ Other Payables & Accruals	2	1	2	1	2	5	3
+ ST Debt	12	7	2	3	3	5	9
+ ST Borrowings	5	- -	- -	- -	- -	2	7
+ ST Finance Leases	7	7	2	3	3	2	2
+ Other ST Liabilities	10	8	56	64	30	38	53
+ Deferred Revenue	10	8	22	26	25	34	47
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Misc ST Liabilities	- -	- -	34	38	4	5	6
Total Current Liabilities	27	24	66	72	37	60	71
+ LT Debt	37	38	13	10	6	4	6
+ LT Borrowings	31	30	- -	- -	- -	- -	- -
+ LT Finance Leases	7	7	13	10	6	4	6
+ Other LT Liabilities	72	111	28	2	8	9	10
+ Accrued Liabilities	- -	2	2	1	1	- -	- -
+ Pension Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Deferred Revenue	- -	- -	- -	- -	- -	- -	- -
+ Deferred Tax Liabilities	- -	- -	- -	- -	- -	- -	- -
+ Derivatives & Hedging	- -	- -	- -	- -	- -	- -	- -
+ Misc LT Liabilities	72	109	26	1	8	9	10
Total Noncurrent Liabilities	110	148	41	12	14	13	16
Total Liabilities	137	172	106	84	52	73	87
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -
+ Share Capital & APIC	30	100	332	427	484	531	562
+ Common Stock	- -	- -	- -	- -	- -	- -	- -
+ Additional Paid in Capital	30	100	332	427	484	531	562
- Treasury Stock	2	- -	- -	- -	- -	- -	- -
+ Retained Earnings	-20	-18	-74	-85	-116	-166	-188
+ Other Equity	- -	1	- -	-1	- -	- -	- -
Equity Before Minority Interest	8	83	258	342	367	364	374
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -
Total Equity	8	83	258	342	367	364	374
Total Liabilities & Equity	145	255	364	426	419	438	461
Shares Outstanding	65	67	67	75	77	74	71
Number of Employees	- -	- -	- -	- -	- -	- -	- -
Capital Leases - Total	14	15	15	13	10	6	8
Net Debt	-32	-53	-168	-84	-100	-64	-91
Net Debt to Equity	-398.75	-64.21	-65.14	-24.55	-27.36	-17.52	-24.41
Tangible Common Equity Ratio	5.34	1.88	63.61	66.45	80.13	74.85	72.6
Current Ratio	4.01	5.39	3.69	2.61	5.32	3.27	3.45
Cash Conversion Cycle	- -	-7.08	-9.45	17.79	31.56	16.7	5.54

Cash Flow Statement (USD)

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

+ Net Income	24	5	-42	-10	-12	30	49
+ Depreciation & Amortization	9	15	27	37	48	48	46
+ Non-Cash Items	14	8	46	21	30	2	49
+ Stock-Based Compensation	5	6	18	34	39	38	29
+ Deferred Income Taxes	1	-5	4	-13	- -	-46	16
+ Asset Impairment Charge	1	- -	1	- -	- -	- -	- -
+ Other Non-Cash Adj	7	6	23	-1	-8	11	4
+ Chg in Non-Cash Work Cap	-16	-13	-24	-23	6	-9	-12
+ (Inc) Dec in Accts Receiv	-13	1	-20	-19	11	-25	-14
+ (Inc) Dec in Inventories	- -	- -	- -	- -	- -	- -	- -
+ (Inc) Dec in Prepaid Assets	-1	-5	-10	-1	-4	-2	-2
+ Inc (Dec) in Accts Payable	5	-2	14	- -	-4	19	6
+ Inc (Dec) in Other	-8	-7	-8	-4	4	-2	-2
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Operating Activities	31	15	7	25	72	72	132
+ Change in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp in Fixed & Intang	- -	- -	- -	- -	- -	- -	- -
+ Disp of Fixed Prod Assets	- -	- -	- -	- -	- -	- -	- -
+ Disp of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Acq of Fixed & Intang	-1	-1	-2	-5	-1	-1	-1
+ Acq of Fixed Prod Assets	-1	-1	-2	-5	-1	-1	-1
+ Acq of Intangible Assets	- -	- -	- -	- -	- -	- -	- -
+ Cash (Repurchase) of Equity	-2	53	127	- -	-20	-80	-70
+ Increase in Capital Stock	- -	54	140	- -	- -	- -	- -
+ Decrease in Capital Stock	-2	-1	-13	- -	-20	-80	-70
+ Net Change in LT Investment	- -	- -	- -	- -	- -	-8	-2
+ Dec in LT Investment	- -	- -	- -	- -	- -	- -	- -
+ Inc in LT Investment	- -	- -	- -	- -	- -	-8	-2
+ Net Cash From Acq & Div	- -	-37	- -	-68	- -	- -	-13
+ Cash from Divestitures	- -	- -	- -	- -	- -	- -	- -
+ Cash for Acq of Subs	- -	-37	- -	-68	- -	- -	-13
+ Cash for JVs	- -	- -	- -	- -	- -	- -	- -
+ Other Investing Activities	-14	-17	-21	-28	-29	-21	-17
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Investing Activities	-15	-55	-23	-100	-30	-30	-33
+ Dividends Paid	- -	- -	- -	- -	- -	- -	- -
+ Net Cash From Debt	- -	-10	-28	- -	- -	-2	4
+ Cash From Debt	- -	10	- -	140	15	- -	4
+ Repayments of Debt	- -	-20	-28	-140	-15	-2	- -
+ Other Financing Activities	1	13	2	-8	-6	6	- -
+ Net Cash From Disc Ops	- -	- -	- -	- -	- -	- -	- -
Cash from Financing Activities	-1	56	100	-8	-26	-76	-66
Effect of Foreign Exchange Rates	- -	- -	- -	- -	- -	- -	- -
Net Changes in Cash	15	16	84	-84	16	-34	32
EBITDA	38	16	6	25	52	58	112
EBITDA Margin (%)	16.56	6.6	1.63	4.58	8.64	8.41	13.34
Free Cash Flow	31	14	5	20	71	71	130
Net Cash Paid for Acquisitions	- -	37	- -	68	- -	- -	13
Free Cash Flow to Firm	32	- -	- -	- -	70	- -	131
Free Cash Flow to Equity	- -	4	-24	20	71	69	135
Free Cash Flow per Basic Share	0.54	0.25	0.09	0.29	0.93	0.93	1.75
Price/Free Cash Flow	- -	- -	84.84	22.9	15.51	14.49	7.74
Cash Flow to Net Income	1.3	2.91	-0.17	-2.45	-6.11	2.36	2.7
Capital Expenditures	-1	-1	-2	-5	-1	-1	-1