NRDS
9/9 ScoreNerdWallet, Inc.
Analysis Date: February 2, 2026
NerdWallet, Inc. operates a digital platform that provides consumer-driven advice about personal finance by connecting individuals and small and mid-sized businesses with financial products providers. The company's platform offers guidance to consumers through educational content, tools and calculators, and product marketplaces, as well as NerdWallet app for various financial products, including credit cards, mortgages, insurance, SMB products, personal loans, banking, investing, and student loans. It serves customers in the United States, the United Kingdom, and Canada. The company was founded in 2009 and is based in San Francisco, California.
Buffettology Criteria
All 9 of 9 criteria passed
High ROE
Return on Equity > 12%
Value: 19.2%
High ROIC
Return on Invested Capital > 9%
Value: 13.0%
Cash Machine
FCF / Assets > 5%
Value: 16.3%
Fair Valuation
Earnings Yield > 3.5%
Value: 9.5%
Share Buybacks
Share Count is Dropping
Value: -0.3%
Defensible Moat
Gross Profit Margin > 40%
Value: 91.6%
Simple Business
Not in a speculative sector (e.g., Biotech)
Value: Financial Services
Conservative Debt
Debt to Equity < 1.5
Value: 0.00x
Consistent Growth
5-Year Growth is Positive
Value: 8.1%
Analysis Summary
This looks like a promising business. The consistent growth, robust returns on capital, and a rock-solid balance sheet, all coupled with a strong moat in financial services, are certainly attractive qualities. I'm particularly pleased to see a near-zero debt level, which offers a significant margin of safety in an unpredictable world.
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