What is the 13F Pro Quality Score for NRDS?

13F Pro ranks NERDWALLET, INC. (NRDS) on the 13F Pro Quality Score, a 0–100 composite of 32 fundamental signals including return on invested capital, free cash flow consistency, balance-sheet strength, earnings quality, growth durability, and valuation discipline. The score refreshes after each 10-K and 10-Q filing on SEC EDGAR. View NRDS's current score at https://13fpro.ai/company/NRDS (free sign-up required for the full ranking).

Where does 13F Pro source NRDS data?

All NERDWALLET, INC. fundamentals and ownership data come directly from SEC EDGAR. NERDWALLET, INC. files with the SEC under CIK 1625278. 13F Pro ingests XBRL financial facts from 10-K and 10-Q filings, Form 13F-HR institutional holdings, and Form 4 insider transactions, with no third-party rewrites or estimates.

What sector is NRDS in?

NERDWALLET, INC. (NRDS) is classified in the Technology sector. 13F Pro publishes sector-level fund flow analysis and quality leaders at https://13fpro.ai/research/sector/technology.

What drives NRDS's revenue?

Per NERDWALLET, INC.'s latest 10-Q filed with the SEC on 2026-08-06, the biggest revenue drivers are: Consumer ($175.2M, +8% YoY); SMB ($22.1M, -11% YoY). Figures are extracted from the filing text and machine-verified against the document. Full breakdown at https://13fpro.ai/company/NRDS.

What are NRDS's largest expenses?

NERDWALLET, INC.'s latest 10-Q reports these as the largest expense items: Sales and marketing ($145.4M, +14% YoY); General and administrative ($14.0M, +1% YoY); Research and development ($17.5M, -2% YoY). Sourced directly from SEC EDGAR filing text for Q2 FY2026 (quarter ended June 30, 2026).

How often is NRDS research updated on 13F Pro?

NRDS's fundamentals refresh within hours of each new 10-K or 10-Q filing on SEC EDGAR. Institutional ownership updates after each quarterly 13F filing window. Insider transactions update after each Form 4 filing. The 13F Pro Quality Score recalculates after every fundamentals refresh.

NERDWALLET, INC.(NRDS)Stock Analysis

AI analysis on 2,800+ stocks →Deep AI analysis on 2,800+ stocks →

Technology →Nasdaqsmall

Institutional-grade research for retail investors

SEC EDGAR: CIK 1625278 NRDS stock profile & AI dashboard →

13F Pro Quality Score

63.4/100

Rank #634 of 2,962 stocksTOP 25%

View Technology peers →

Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Nov 14, 2026.

Revenue Growth

78.5/100

Profitability

60.4/100

Balance Sheet

92.5/100

Earnings Quality

76.2/100

Free Cash Flow

71.5/100

Institutional Flow

4.6/100

Revenue Scale

47.4/100

Dilution Risk

30.2/100

Email me the moment this company reports earnings

AI Research Report

Two-page plain-English analysis: business, thesis, and three scenarios for the next two years. Refreshed every quarter.

Upgrade to Pro

Pro: 5 reports/month · Pro+: unlimitedOpinion, not investment advice. Do your own research.

Why NRDS Scores 63/100

exact factor attribution · 2026-09-11

NRDS's composite is driven by revenue growth and capital efficiency, held back by institutional flow. Bars show each factor's exact push vs. a median company, using the same weights the ranking engine applies.

Revenue growth

+5.7 pts

79th pct

Capital efficiency

+4.3 pts

93th pct

Free cash flow

+3.2 pts

72th pct

Earnings quality

+2.6 pts

76th pct

Profitability

+1.6 pts

60th pct

Earnings growth

-0.3 pts

45th pct

Scale

-0.4 pts

47th pct

Shareholder dilution

-1.0 pts

30th pct

Institutional flow

-2.3 pts

5th pct

Latest change (2026-08-10): 67 → 66 · ↓ Revenue growth 75→65

Factor percentiles are cross-sectional ranks across the ~2,800-stock scored universe, computed from SEC EDGAR filings. Not investment advice.

NRDS Stock Analysis & AI Quality Score

Data updated 2026-09-11

AI stock analysis and institutional research for NERDWALLET, INC. (NRDS), a Technology sector company. 13F Pro's AI-powered ranking engine scores NRDS at 63.4/100 on a 32-signal composite quality model, placing it at rank #634 of 2,962 stocks — the top 25% of the AI-ranked universe. NRDS scores in the top quartile across balance sheet strength (92.5), revenue growth (78.5), earnings quality (76.2). Areas of concern include institutional flow (4.6), which score below median versus the broader universe. Shareholder dilution risk is elevated at 30.2/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), NERDWALLET, INC. reports quarterly revenue of $197.3M, net income of $4.3M, free cash flow of $41.1M. Top institutional holders of NRDS by reported 13-F value include Topline Capital Management, BlackRock, ARROWSTREET CAPITAL, LIMITED PARTNERSHIP, based on the most recent SEC filings. NRDS trades on the Nasdaq exchange and files with the SEC under CIK 1625278. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate NRDS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for NERDWALLET, INC. directly from SEC EDGAR. NERDWALLET, INC.'s 13F Pro composite quality score has ranged between 25 and 68 since 2022, currently 63.4 — an improving long-term trajectory across 63 quarterly and live scoring snapshots.

✦

Fun facts about NERDWALLET, INC.

Quirks, history, and lore behind NRDS — the kind of stuff that makes a stock memorable.

1
The Basics
U.S. fintech company · small-cap · listed on Nasdaq · headquartered in San Francisco.
2
The Numbers
Annual revenue in the few hundred million dollar range, with a business model built on referral fees from financial product providers rather than charging consumers directly.
3
The History
Founded around 2009 by two graduates who were frustrated by the complexity of student loans and credit cards — so they built a site to demystify it all.
4
The Secret
It doesn't actually sell financial products — it sells eyeballs and intent, matching consumers to credit cards, loans, and insurance and collecting a fee when they sign up.
5
The Lore
Its brand mascot is a little green cartoon character, and its marketing tagline has long promised to help people make all the right money moves.
6
The Giveaway
The name literally combines "nerd" and "wallet" — because only a true finance geek would comparison-shop seventeen credit cards before choosing one.

▶ Think you know your stocks? Play the Daily Ticker

What's Driving NRDS's Business? Latest 10-Q Breakdown

✓ 31/31 datapoints verified

AI-extracted from NERDWALLET, INC.'s 10-Q filed 2026-08-06 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.

NerdWallet grew Q2 revenue 6% YoY to $197.3M, but operating income fell 35% to $7.0M as performance marketing spend surged 30%.

Biggest Revenue Drivers

Consumer$175.2M+8% YoY

Growth from deposit accounts as partners expanded budgets and personal loans as marketplace offerings broadened, partially offset by lower consumer credit cards due to organic search traffic pressure

SMB$22.1M-11% YoY

Continued pressures in organic search traffic, partially offset by increases in business loan originations

Biggest Revenue Drivers

Total revenue: $197.3M+6% YoY

Consumer$175.2M+8% YoY

Growth from deposit accounts as partners expanded budgets and personal loans as marketplace offerings broadened, partially offset by lower consumer credit cards due to organic search traffic pressure

SMB$22.1M-11% YoY

Continued pressures in organic search traffic, partially offset by increases in business loan originations

Largest Expense Items

Sales and marketing$145.4M+14% YoY

Performance marketing expense increased $26.6M, partially offset by a $9.2M decrease in other marketing due to lower brand marketing expenses

General and administrative$14.0M+1% YoY

Modest increase in expenses

Research and development$17.5M-2% YoY

Slight decrease in expense

Cost of revenue$13.4M-19% YoY

Decrease in amortization expense related to capitalized software development costs

Margins: Operating margin declined to 4% from 6% YoY as sales and marketing expense grew faster than revenue; non-GAAP operating income fell 41% to $12.2M and adjusted EBITDA fell 31% to $23.1M.

Watch Items from the Filing

SMB revenue declined 11% YoY to $22.1M, continuing a multi-quarter organic search traffic pressure trend also affecting consumer credit cards (-$8.6M).
Performance marketing expense rose $26.6M (30%) YoY to $116.1M, now 80% of sales and marketing spend, outpacing revenue growth.
Company repurchased $23.0M of stock in Q2 (8.7M shares/$89.2M YTD) and increased the buyback authorization by $100M in February 2026; $67.0M remains authorized.
Acquired College Finance Company (student loan marketplace) for $17.2M cash in February 2026, adding $12.9M of goodwill; contribution to revenue was not material.
Effective tax rate spiked to 41.2% in Q2 2026 from 28.9% in Q2 2025, contributing to a 48% YoY decline in net income to $4.3M.

AI-extracted and verified against SEC EDGAR filing text. Not investment advice.

Read the full 10-Q on SEC EDGAR →Share on X

Revenue

Q2 2026

$197.3M

Net Income

Q2 2026

$4.3M

Free Cash Flow

Q2 2026

$41.1M

ROIC

Q2 2026

8.6%

Period

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

Export Financial Table · Pro

Revenue

+21.7% YoY

$836.6MFY 2025

FY22 $538.9MFY23 $599.4MFY24 $687.6MFY25 $836.6M

Net Income

+60.2% YoY

$48.7MFY 2025

FY22 $-10.2MFY23 $-11.8MFY24 $30.4MFY25 $48.7M

Operating Income

+593.6% YoY

$65.2MFY 2025

FY22 $-19.0MFY23 $3.6MFY24 $9.4MFY25 $65.2M

EPS (Diluted)

+68.4% YoY

$0.64FY 2025

FY22 $-0.14FY23 $-0.15FY24 $0.38FY25 $0.64

Total Assets

+5.4% YoY

$461.1MFY 2025

FY22 $425.7MFY23 $418.6MFY24 $437.6MFY25 $461.1M

Total Debt

—FY 2025

FY22 —FY23 —FY24 —FY25 —

Op. Cash Flow

+83.3% YoY

$131.6MFY 2025

FY22 $25.0MFY23 $72.1MFY24 $71.8MFY25 $131.6M

Free Cash Flow

+83.0% YoY

$130.3MFY 2025

FY22 $20.4MFY23 $71.4MFY24 $71.2MFY25 $130.3M

Metric	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Revenue	$836.6M +21.7%	$687.6M +14.7%	$599.4M +11.2%	$538.9M +42.0%	$379.6M +54.7%	$245.3M
Net Income	$48.7M +60.2%	$30.4M +357.6%	$-11.8M -15.7%	$-10.2M +76.0%	$-42.5M -901.9%	$5.3M
Operating Income	$65.2M +593.6%	$9.4M +161.1%	$3.6M +118.9%	$-19.0M +51.3%	$-39.0M -2152.6%	$1.9M
EPS (Diluted)	$0.64 +68.4%	$0.38 +353.3%	$-0.15 -7.1%	$-0.14 +82.9%	$-0.82 -1011.1%	$0.09
Total Assets	$461.1M +5.4%	$437.6M +4.5%	$418.6M -1.7%	$425.7M +16.9%	$364.1M +42.7%	$255.2M
Total Debt	—	—	—	—	$0.00 -100.0%	$30.2M
Operating Cash Flow	$131.6M +83.3%	$71.8M -0.4%	$72.1M +188.4%	$25.0M +247.2%	$7.2M -53.2%	$15.4M
Free Cash Flow	$130.3M +83.0%	$71.2M -0.3%	$71.4M +250.0%	$20.4M +316.3%	$4.9M -65.2%	$14.1M

Get alerted when NRDS's score changes

Free account: watchlist tracking, the daily AI brief, and the AI screener.

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Available Research

13F Pro tracks comprehensive data for NERDWALLET, INC. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)

XBRL financial facts (revenue, EPS, margins)

Insider transactions (Form 4)

Institutional 13F holdings

Quality rankings (32 signals)

AI analyst debates & daily meetings

Historical financial trends

Peer comparison & sector analysis

Top Institutional Holders of NRDS

Topline Capital Management, LLC
$30.4M3,289,285 sh
BlackRock, Inc.
$23.9M2,579,569 sh
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP
$16.4M1,770,333 sh
DIMENSIONAL FUND ADVISORS LP
$13.3M1,433,877 sh
VANGUARD CAPITAL MANAGEMENT LLC
$12.7M1,370,062 sh
Quinn Opportunity Partners LLC
$9.7M1,052,114 sh
JACOBS LEVY EQUITY MANAGEMENT, INC
$9.6M1,034,562 sh
STATE STREET CORP
$8.6M926,571 sh
GEODE CAPITAL MANAGEMENT, LLC
$7.9M851,676 sh
D. E. Shaw & Co., Inc.
$7.5M813,807 sh

Fund	Value	Shares
Topline Capital Management, LLC	$30.4M	3,289,285
BlackRock, Inc.	$23.9M	2,579,569
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP	$16.4M	1,770,333
DIMENSIONAL FUND ADVISORS LP	$13.3M	1,433,877
VANGUARD CAPITAL MANAGEMENT LLC	$12.7M	1,370,062
Quinn Opportunity Partners LLC	$9.7M	1,052,114
JACOBS LEVY EQUITY MANAGEMENT, INC	$9.6M	1,034,562
STATE STREET CORP	$8.6M	926,571
GEODE CAPITAL MANAGEMENT, LLC	$7.9M	851,676
D. E. Shaw & Co., Inc.	$7.5M	813,807

Companies Similar to NRDS

Ranked by quality-profile closeness and shared hedge-fund ownership — not just sector membership.

TASK

TaskUs, Inc.

AI score

Similar quality profile · 2 shared holders

Quinn Opportunity Partners LLC Rangeley Capital, LLC

CARG

CarGurus, Inc.

AI score

Similar quality profile · 7 shared holders

JACOBS LEVY EQUITY MANAGEMENT, INC OP Asset Management Ltd CAXTON ASSOCIATES LLP

EVER

EverQuote, Inc.

AI score

Similar quality profile · 6 shared holders

OP Asset Management Ltd JACOBS LEVY EQUITY MANAGEMENT, INC WINMILL & CO. INC

INNOVATIVE SOLUTIONS & SUPPORT INC

AI score

Similar quality profile · 1 shared holders

Topline Capital Management, LLC

PEGA

PEGASYSTEMS INC

AI score

Similar quality profile · 9 shared holders

JACOBS LEVY EQUITY MANAGEMENT, INC OP Asset Management Ltd SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC

IBEX

IBEX Ltd

AI score

Similar quality profile · 3 shared holders

SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC MARTINGALE ASSET MANAGEMENT L P MEEDER ASSET MANAGEMENT INC

DOCN

DigitalOcean Holdings, Inc.

AI score

Similar quality profile · 4 shared holders

JACOBS LEVY EQUITY MANAGEMENT, INC Weiss Asset Management LP JUPITER ASSET MANAGEMENT LTD

DoubleVerify Holdings, Inc.

AI score

Similar quality profile · 6 shared holders

Topline Capital Management, LLC SUSQUEHANNA FUNDAMENTAL INVESTMENTS, LLC CAXTON ASSOCIATES LLP

Similarity is computed from the 8 composite sub-scores and latest-quarter 13F conviction holdings (index-style filers excluded). Refreshed monthly.

More Technology Companies

View all Technology →

AGILENT TECHNOLOGIES, INC.

AAOI

APPLIED OPTOELECTRONICS, INC.

AAPL

Apple Inc.

ABNB

Airbnb, Inc.

ACCL

Acco Group Holdings Ltd

ACCS

ACCESS Newswire Inc.

ACFN

ACORN ENERGY, INC.

ACIW

ACI WORLDWIDE, INC.

Put NRDS on your watchlist

Track score changes the day NERDWALLET, INC. files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

View Pricing

Free tier includes 13F data, economic indicators, and market overview. Pro starts at $6.67/mo (billed annually).

Passwordless sign-in · Payments by Stripe · Auth by Clerk

Popular Research

AAPL

Apple

MSFT

Microsoft

NVDA

NVIDIA

GOOG

Alphabet

AMZN

Amazon

Is NRDS a good stock to buy?

13F Pro's AI-powered analysis of NERDWALLET, INC. (NRDS) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Technology sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for NRDS are available on the NRDS stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing. NRDS is classified as a small company.

Which hedge funds own NRDS?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling NRDS. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of NERDWALLET, INC.'s investment landscape.