NRDS
NerdWallet, Inc.
NasdaqGMUSDEQUITY
Communication Services
DELAYED
Sell
-29/100
Last price
8.86
▲ 0.03 (0.34%)
MARKET · —
Price
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Interval
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Tool
1D
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Open
—
Prev close
8.83
Day high
8.92
Day low
8.78
Volume
460.62K
Market cap
$566.36M
P/E (TTM)
9.84
52W range
7.33 – 16.24
Trailing performance
Returnvs SPY
1W
+3.75%
+1.8%
1M
-10.32%
-11.5%
3M
-6.44%
-11.0%
6M
-15.46%
-33.6%
YTD
-34.61%
-48.9%
1Y
-19.67%
-36.1%
3Y
-0.34%
-82.6%
5Y
—
—
Price return only. Dividends are not reinvested, so total return on a dividend payer will be higher than shown.
Unusual options activity
Nothing crossed the thresholds in the expiries we scanned.
That is the normal state — most contracts trade well inside their existing open interest.
That is the normal state — most contracts trade well inside their existing open interest.
Contracts trading at or above their open interest, ranked by notional and where the print landed.
Free account
5 more panels on NRDS open with an account.
Options chains and analytics, valuation ratios, insider filings, analyst targets and ownership. No card, no trial, nothing to cancel.
Insider net activity
Net shares
-3.81M
Net selling
Buy transactions
5
115.90K shares
Sell transactions
2
3.92M shares
Net transactions
+7
Buys less sells
Sell : buy shares
33.9 : 1
Heavily one-sided
Insider-held shares
3.73M
Total on file
Insider transactions
| Date | Insider | Action | Shares | Value | Held |
|---|---|---|---|---|---|
| Jun 30, 26 | TOPLINE CAPITAL PARTNERS, LP Beneficial Owner of more than 10% of a Class of Security |
SELL | 1.96M | $17.86M | Indirect |
| Jun 30, 26 | TOPLINE CAPITAL MANAGEMENT, LLC Beneficial Owner of more than 10% of a Class of Security |
SELL | 1.96M | $17.86M | Indirect |
| May 22, 26 | CHIA TERESA P. Director |
STOCK | 39.47K | $0 | Direct |
| May 21, 26 | MCBRIDE KENNETH THOMAS Director |
STOCK | 19.49K | $0 | Direct |
| May 21, 26 | LAUBE LYNNE MARIE Director |
STOCK | 19.49K | $0 | Direct |
| May 21, 26 | LING ANTHONY Director |
STOCK | 19.49K | $0 | Direct |
| May 20, 26 | LING ANTHONY Director |
STOCK | 17.95K | $0 | Direct |
| Mar 18, 26 | TATUM NICHOLAS Officer |
STOCK | 28.52K | $0 | Direct |
| Mar 18, 26 | LEE JUN HYUNG Chief Financial Officer |
STOCK | 128.33K | $0 | Direct |
| Mar 17, 26 | YOUNT SAMUEL Officer |
SELL | 71.99K | $742.77K | Indirect |
| Mar 12, 26 | YOUNT SAMUEL Officer |
SELL | 3.01K | $31.95K | Indirect |
| Mar 5, 26 | TATUM NICHOLAS Officer |
SELL | 11.04K | $126.45K | Direct |
| Mar 4, 26 | TATUM NICHOLAS Officer |
STOCK | 595 | $0 | Direct |
| Dec 3, 25 | TATUM NICHOLAS Officer |
SELL | 596 | $9.49K | Direct |
What this is, and what it is not
These are SEC Form 4 filings — officers, directors and 10% owners reporting their own trades in the company's stock. Filing is due within two business days of the transaction, so this lags reality by days, and the provider adds its own lag on top.
A sale is not automatically bearish. Executives sell on scheduled 10b5-1 plans, to cover tax on vesting equity, and to diversify. Purchases with cash are generally the more informative signal, and they are far rarer.
This does not include congressional or senate trading. That comes from STOCK Act disclosures filed with the Senate eFD system and the House Clerk, which this data source does not carry.
Officer and director trades in their own stock, straight from Form 4 filings.
Insider holders
| Name | Relation | Shares held | Latest |
|---|---|---|---|
CERAN JENNIFER |
Director | 54.24K | Stock Award(Grant) |
LAUBE LYNNE MARIE |
Director | 79.63K | Stock Award(Grant) |
LEE JUN HYUNG |
Chief Financial Officer | 415.96K | Stock Award(Grant) |
LING ANTHONY |
Director | 55.44K | Stock Award(Grant) |
MCBRIDE KENNETH THOMAS |
Director | 90.53K | Stock Award(Grant) |
STCLAIR LAUREN |
Chief Financial Officer | 313.10K | Sale |
TATUM NICHOLAS |
Officer | 75.72K | Stock Award(Grant) |
TOPLINE CAPITAL MANAGEMENT, LLC |
Beneficial Owner of more than 10% of a Class of Security | — | Sale |
TOPLINE CAPITAL PARTNERS, LP |
Beneficial Owner of more than 10% of a Class of Security | — | Sale |
YOUNT SAMUEL |
Officer | — | Sale |
Fundamentals
Market cap$566.36M
Enterprise value$516.56M
Revenue (TTM)$860.00M
Gross profit$804.10M
EBITDA$104.70M
Net income$65.00M
EPS (TTM)$0.90
Free cash flow$113.51M
Total cash$62.00M
Total debt$12.20M
Book value / share$5.10
Shares outstanding32.24M
Float27.32M
Short % of float18.58%
Dividend yield0.00%
Beta (5Y)1.25
Valuation & profitability ratios
Trailing P/E9.84
Forward P/E3.93
PEG ratio—
Price / sales—
Price / book1.74
EV / revenue0.60
EV / EBITDA4.93
Gross margin93.50%
Operating margin3.50%
Profit margin7.56%
Return on equity18.16%
Return on assets12.46%
Debt / equity3.75
Current ratio2.62
Fourteen ratios including P/E, PEG, EV/EBITDA, margins and return on equity.
Financial statements
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Total revenue | $836.60M | $687.60M | $599.40M | $538.90M | +21.7% |
| Operating revenue | $836.60M | $687.60M | $599.40M | $538.90M | +21.7% |
| Cost of revenue | $63.70M | $63.50M | $54.00M | $39.80M | +0.3% |
| Gross profit | $772.90M | $624.10M | $545.40M | $499.10M | +23.8% |
| Research & development | $66.70M | $82.50M | $80.50M | $77.60M | -19.2% |
| Selling, general & admin | $641.00M | $532.20M | $461.30M | $433.80M | +20.4% |
| Total operating expense | $707.70M | $614.70M | $541.80M | $511.40M | +15.1% |
| Operating income | $65.20M | $9.40M | $3.60M | -$12.30M | +593.6% |
| Net interest income | $2.60M | $4.10M | $2.80M | -$1.00M | -36.6% |
| Pre-tax income | $68.20M | $5.00M | $6.30M | -$20.00M | +1,264.0% |
| Tax provision | $19.50M | -$25.40M | $18.10M | -$9.80M | +176.8% |
| Net income | $48.70M | $30.40M | -$11.80M | -$10.20M | +60.2% |
| Net income to common | $48.70M | $30.40M | -$11.80M | -$10.20M | +60.2% |
| Basic EPS | 0.66 | 0.40 | -0.15 | -0.14 | +65.0% |
| Diluted EPS | 0.64 | 0.38 | -0.15 | -0.14 | +68.4% |
| EBIT | $68.80M | $5.70M | $7.10M | -$17.50M | +1,107.0% |
| EBITDA | $115.20M | $54.10M | $55.30M | $19.50M | +112.9% |
| Basic shares | 74.30M | 76.50M | 76.70M | 70.60M | -2.9% |
| Diluted shares | 75.90M | 78.90M | 76.70M | 70.60M | -3.8% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Cash & equivalents | $98.30M | $66.30M | $100.40M | $83.90M | +48.3% |
| Cash & short-term investments | $100.60M | $68.50M | $102.50M | $85.90M | +46.9% |
| Accounts receivable | $111.00M | $102.20M | $75.50M | $87.00M | +8.6% |
| Total current assets | $244.70M | $196.70M | $198.40M | $189.20M | +24.4% |
| Property, plant & equipment | $38.90M | $48.30M | $59.80M | $60.40M | -19.5% |
| Goodwill & intangibles | $145.00M | $145.70M | $158.40M | $175.30M | -0.5% |
| Total assets | $461.10M | $437.60M | $418.60M | $425.70M | +5.4% |
| Total current liabilities | $70.90M | $60.10M | $37.30M | $72.40M | +18.0% |
| Current debt | $6.90M | $2.50M | — | — | +176.0% |
| Total debt | $14.90M | $8.90M | $9.60M | $12.70M | +67.4% |
| Total liabilities | $86.60M | $73.40M | $51.70M | $84.00M | +18.0% |
| Retained earnings | -$188.10M | -$166.50M | -$116.50M | -$84.70M | -13.0% |
| Shareholder equity | $374.50M | $364.20M | $366.90M | $341.70M | +2.8% |
| Working capital | $173.80M | $136.60M | $161.10M | $116.80M | +27.2% |
| Net tangible assets | $229.50M | $218.50M | $208.50M | $166.40M | +5.0% |
| Shares issued | 71.29M | 74.09M | 76.94M | 75.10M | -3.8% |
| Line item | 2025 | 2024 | 2023 | 2022 | YoY |
|---|---|---|---|---|---|
| Net income | $48.70M | $30.40M | -$11.80M | -$10.20M | +60.2% |
| Depreciation & amortisation | $46.40M | $48.40M | $48.20M | $37.00M | -4.1% |
| Stock-based compensation | $28.60M | $37.70M | $38.80M | $34.40M | -24.1% |
| Change in working capital | -$12.10M | -$9.40M | $5.70M | -$22.70M | -28.7% |
| Operating cash flow | $131.60M | $71.80M | $72.10M | $25.00M | +83.3% |
| Capital expenditure | -$18.20M | -$21.30M | -$29.50M | -$32.20M | +14.6% |
| Investing cash flow | -$33.30M | -$29.70M | -$29.50M | -$100.30M | -12.1% |
| Share buybacks | -$70.20M | -$80.10M | -$20.00M | $0 | +12.4% |
| Financing cash flow | -$66.10M | -$76.50M | -$26.20M | -$8.40M | +13.6% |
| Free cash flow | $113.40M | $50.50M | $42.60M | -$7.20M | +124.6% |
| End cash position | $98.30M | $66.30M | $100.40M | $83.90M | +48.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Total revenue | $197.30M | $222.20M | $225.40M | $215.10M | $186.90M | -11.2% |
| Operating revenue | $197.30M | $222.20M | $225.40M | $215.10M | $186.90M | -11.2% |
| Cost of revenue | $13.40M | $13.60M | $13.60M | $15.30M | $16.60M | -1.5% |
| Gross profit | $183.90M | $208.60M | $211.80M | $199.80M | $170.30M | -11.8% |
| Research & development | $17.50M | $16.80M | $16.30M | $15.70M | $17.90M | +4.2% |
| Selling, general & admin | $159.40M | $164.60M | $176.10M | $149.70M | $141.70M | -3.2% |
| Total operating expense | $176.90M | $181.40M | $192.40M | $165.40M | $159.60M | -2.5% |
| Operating income | $7.00M | $27.20M | $19.40M | $34.40M | $10.70M | -74.3% |
| Net interest income | $300.00K | $700.00K | $600.00K | $800.00K | $600.00K | -57.1% |
| Pre-tax income | $7.30M | $28.00M | $19.90M | $35.50M | $11.50M | -73.9% |
| Tax provision | $3.00M | $7.60M | $5.90M | $9.20M | $3.30M | -60.5% |
| Net income | $4.30M | $20.40M | $14.00M | $26.30M | $8.20M | -78.9% |
| Net income to common | $4.30M | $20.40M | $14.00M | $26.30M | $8.20M | -78.9% |
| Basic EPS | 0.07 | 0.30 | 0.19 | 0.35 | 0.11 | -76.7% |
| Diluted EPS | 0.07 | 0.29 | 0.19 | 0.34 | 0.11 | -75.9% |
| EBIT | $7.40M | $28.20M | $20.00M | $35.70M | $11.70M | -73.8% |
| EBITDA | $16.70M | $37.90M | $29.50M | $47.30M | $24.40M | -55.9% |
| Basic shares | 65.10M | 68.20M | 72.30M | 75.70M | 74.80M | -4.5% |
| Diluted shares | 65.80M | 69.50M | 74.10M | 76.90M | 76.60M | -5.3% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Cash & equivalents | $62.00M | $56.30M | $98.30M | $120.60M | $105.30M | +10.1% |
| Cash & short-term investments | $62.00M | $56.30M | $100.60M | $120.60M | $105.30M | +10.1% |
| Accounts receivable | $113.60M | $113.10M | $111.00M | $121.90M | $97.80M | +0.4% |
| Total current assets | $201.30M | $206.40M | $244.70M | $275.10M | $238.70M | -2.5% |
| Property, plant & equipment | $35.40M | $37.40M | $38.90M | $40.30M | $43.00M | -5.3% |
| Goodwill & intangibles | $155.40M | $159.10M | $145.00M | $140.50M | $144.40M | -2.3% |
| Total assets | $418.00M | $432.00M | $461.10M | $492.80M | $476.00M | -3.2% |
| Total current liabilities | $76.90M | $80.30M | $70.90M | $74.40M | $69.30M | -4.2% |
| Current debt | — | — | $6.90M | — | — | — |
| Total debt | — | — | $14.90M | — | — | — |
| Total liabilities | $92.20M | $95.80M | $86.60M | $90.40M | $86.00M | -3.8% |
| Retained earnings | -$252.60M | -$233.90M | -$188.10M | -$151.00M | -$158.10M | -8.0% |
| Shareholder equity | $325.80M | $336.20M | $374.50M | $402.40M | $390.00M | -3.1% |
| Working capital | $124.40M | $126.10M | $173.80M | $200.70M | $169.40M | -1.3% |
| Net tangible assets | $170.40M | $177.10M | $229.50M | $261.90M | $245.60M | -3.8% |
| Shares issued | 63.88M | 65.79M | 71.29M | 74.73M | 75.22M | -2.9% |
| Line item | 2026-06-30 | 2026-03-31 | 2025-12-31 | 2025-09-30 | 2025-06-30 | YoY |
|---|---|---|---|---|---|---|
| Net income | $4.30M | $20.40M | $14.00M | $26.30M | $8.20M | -78.9% |
| Depreciation & amortisation | $9.30M | $9.70M | $9.50M | $11.60M | $12.70M | -4.1% |
| Stock-based compensation | $6.90M | $7.00M | $7.00M | $6.70M | $8.20M | -1.4% |
| Change in working capital | $17.40M | -$7.40M | $3.30M | -$12.00M | -$9.60M | +335.1% |
| Operating cash flow | $41.20M | $35.70M | $38.90M | $48.50M | $17.50M | +15.4% |
| Capital expenditure | -$3.70M | -$4.20M | -$4.80M | -$4.40M | -$4.40M | +11.9% |
| Investing cash flow | -$4.00M | -$19.70M | -$12.90M | -$6.40M | -$9.40M | +79.7% |
| Share buybacks | -$22.80M | -$66.00M | -$50.70M | -$19.20M | -$300.00K | +65.5% |
| Financing cash flow | -$31.50M | -$57.90M | -$48.40M | -$26.60M | $5.10M | +45.6% |
| Free cash flow | $37.50M | $31.50M | $34.10M | $44.10M | $13.10M | +19.0% |
| End cash position | $62.00M | $56.30M | $98.30M | $120.60M | $105.30M | +10.1% |
Options analytics
Put / call volume
0.17
Call-heavy session
Put / call open interest
—
Positioning, not flow
Max pain
7.50
-15.3% from spot
ATM implied vol
25.0%
Nearest strike to spot
Skew (10% OTM)
0.0%
Calls bid over puts
Call volume
12
Contracts, this expiry
Put volume
2
Contracts, this expiry
Heaviest call OI
7.50
0 contracts
Heaviest put OI
7.50
0 contracts
Max pain is the strike at which the largest dollar value of open contracts expires worthless. It describes current positioning; it is not a forecast and it moves as open interest changes.
Put/call ratios, max pain, implied volatility skew and where open interest is concentrated.
Earnings
Reported vs expected · EPS
| Quarter | Est. | Actual | Surprise |
|---|---|---|---|
| Jun 2026 | 0.20 | 0.06 | -67.8% |
| Mar 2026 | 0.42 | 0.31 | -25.2% |
| Dec 2025 | 0.29 | 0.15 | -48.7% |
| Sep 2025 | 0.32 | 0.35 | +10.6% |
Forward consensus
| Period | EPS | Analysts | Revenue | Growth |
|---|---|---|---|---|
| Current quarter | 0.36 | 1 | $251.89M | +17.1% |
| Next quarter | 0.31 | 1 | $241.45M | +7.1% |
| Current year | 1.32 | 1 | $912.74M | +9.1% |
| Next year | 2.26 | 1 | $967.69M | +6.0% |
Analyst targets & ownership
Mean target$11.50
High target$15.00
Low target$8.00
Implied upside29.80%
Analyst count4
ConsensusBUY
Strong buy / Buy0 / 3
Hold1
Sell / Strong sell1 / 0
Held by insiders5.83%
Held by institutions89.45%
Institutions holding210
Price targets, consensus spread, insider and institutional ownership.
Moving averages & technicals
SMA 10
8.55
+3.59% from price
SMA 20
8.90
-0.42% from price
SMA 50
9.37
-5.46% from price
SMA 100
9.04
-2.03% from price
SMA 200
10.15
-12.72% from price
EMA 12
8.76
+1.12% from price
EMA 26
8.99
-1.43% from price
EMA 50
9.17
-3.34% from price
RSI (14)
46.6
Neutral
MACD (12,26,9)
-0.23
Hist 0.03
ATR (14)
0.34
3.80% of price
Realised vol 30D
34.5%
Annualised
Bollinger upper
9.76
20, 2σ
Bollinger lower
8.03
20, 2σ
50 / 200 cross
Death
9.37 vs 10.15
Trend bias
Below 200
-12.72%
Options chain
Calls
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Puts
| Strike | Last | Bid | Ask | Vol | OI | IV |
|---|---|---|---|---|---|---|
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
| 000.00 | 0.00 | 0.00 | 0.00 | 0 | 0 | 0.0% |
Every listed expiry, both sides of the book, with volume, open interest and implied volatility.
Risk profile
Beta vs SPY
0.91
Less volatile than market
Correlation to SPY
0.25
Largely independent
Realised vol 30D
34.5%
Annualised
Market vol 1Y
13.0%
SPY, annualised
Max drawdown 1Y
-52.4%
Peak to trough
Max drawdown 5Y
-77.0%
Peak to trough
ATR 14
0.34
3.80% of price
Beta (reported)
1.25
5Y monthly, from filing
Short interest
Shares short
4.74M
Prior 4.07M
Change vs prior
+16.6%
Shorts adding
% of float
18.58%
Elevated
% of shares out
7.42%
Against total outstanding
Days to cover
7.6
Crowded exit
Float
27.32M
Freely tradeable shares
Exchanges publish short interest twice a month with a settlement lag, so this is roughly two weeks behind. Days to cover divides shares short by average daily volume — it estimates how long covering would take, not whether it will happen.
Rating changes
| Date | Firm | Action | From | To |
|---|---|---|---|---|
| May 11, 26 | Oppenheimer | MAINTAINED | Outperform | Outperform |
| May 11, 26 | Truist Securities | MAINTAINED | Buy | Buy |
| May 11, 26 | Citigroup | MAINTAINED | Neutral | Neutral |
| May 8, 26 | Keybanc | MAINTAINED | Overweight | Overweight |
| Mar 13, 26 | Morgan Stanley | DOWNGRADE | Equal-Weight | Underweight |
| Mar 4, 26 | Oppenheimer | MAINTAINED | Outperform | Outperform |
| Feb 26, 26 | Truist Securities | MAINTAINED | Buy | Buy |
| Nov 11, 25 | Oppenheimer | MAINTAINED | Outperform | Outperform |
| Nov 10, 25 | Morgan Stanley | MAINTAINED | Equal-Weight | Equal-Weight |
| Nov 10, 25 | Truist Securities | MAINTAINED | Buy | Buy |
| Nov 7, 25 | Barclays | MAINTAINED | Overweight | Overweight |
| Nov 7, 25 | Keybanc | MAINTAINED | Overweight | Overweight |
Dividends & splits
Forward rate—
Forward yield0.00%
5-year avg yield—
Payout ratio0.00%
Ex-dividend date—
Next pay date—
Last split—
Split date—
SEC filings
Periodic Financial Reports
10-Q · 2026-08-06
Corporate Changes & Voting Matters
8-K · 2026-05-21
Corporate Changes & Voting Matters
8-K · 2026-05-06
Proxy Statements
DEF 14A · 2026-04-14
Corporate Changes & Voting Matters
8-K · 2026-03-26
Periodic Financial Reports
10-K · 2026-02-25
Corporate Changes & Voting Matters
8-K · 2025-12-17
Corporate Changes & Voting Matters
8-K · 2025-11-06
Headlines
Americans are using buy now, pay later more than ever. Here's what to know if you're one of them
Associated Press · 6d ago
NerdWallet (NRDS): Buy, Sell, or Hold Post Q2 Earnings?
StockStory · 13d ago
1 Small-Cap Stock on Our Buy List and 2 We Brush Off
StockStory · 14d ago
NerdWallet, Sezzle, Tradeweb Markets, and Bread Financial Shares Are Falling, What You Need To Know
StockStory · 14d ago
Fed Rate Hike Comes as More Than One in Four Americans Say They Don’t Feel in Control of Their Day-to-Day Finances, NerdWallet’s Financial Resilience Index Finds
Business Wire · 15d ago
2 Value Stocks with Impressive Fundamentals and 1 Facing Headwinds
StockStory · 19d ago
1 Stock Under $10 to Own for Decades and 2 We Find Risky
StockStory · 20d ago
2 of Wall Street’s Favorite Stocks with Exciting Potential and 1 We Brush Off
StockStory · 21d ago
PRIVATE STRATEGY · BY QUALIFICATION
The same data. A different seat.
The research you are reading is the input layer for a discretionary options program we run for a small number of qualified investors. Minimum $1,000,000.