NerdWallet (NRDS) Stock: Buy, Sell, or Hold?

NRDS - NerdWallet, Inc. Class A Common Stock

SERVICES-COMPUTER PROCESSING & DATA PREPARATION
$8.57
-0.21 (-2.39%) ▼
5d: +4.51%
30d: -12.37%
90d: -9.5%
HOLD
LOW Confidence
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Analysis Updated: Oct 1, 2026 12:00 AM ET
Earnings: Nov 05, 2026

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Interactive Price Chart (1 Month)

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💡
Bottom Line:
📊 HOLD: NRDS shows mixed signals. Fine to hold existing positions. Not urgent to buy or sell.
See Forward Earnings Fair Value & Price Prediction →

Long-Term Wealth Forecast (2031)

Based on Analyst Consensus Growth & Historical Valuation

0% (Stagnation) 50% (Hyper Growth)
EST. PRICE IN 2031
$25.05
Based on 14.5% avg growth
INTRINSIC VALUE TODAY
$15.55
44.9% Margin of Safety

How this is calculated: We use a Growth Decay Model: starting with analyst consensus growth (adjusted above) and gradually slowing it down to a long-term terminal rate (4%) by Year 5. This provides a more realistic valuation than assuming constant hyper-growth. We then apply a 5.7x Exit PE.

In-depth Analysis How we analyze

Valuation Analysis: NRDS is currently trading at $8.57, which is considered oversold relative to its 30-day fair value range of $8.70 to $9.89. From a valuation perspective, the stock is trading at a discount (Forward PE: 3.8) compared to its historical average (5.7). Remarkably, the market is currently pricing in an annual earnings decline of 12.9% over the next few years. This aligns with recent fundamental challenges.

Technical Outlook: Technically, NRDS is in a uptrend. Immediate support is located at $8.04, while resistance sits at $9.25.

Market Sentiment: NRDS scores 75/100 on our bottoming-setup gauge — the chart has corrected and is stabilizing (RSI reset, momentum turning up), historically a favorable entry zone. In the options market, Implied Volatility is low (0th percentile), suggesting options premiums are relatively cheap. This makes it an attractive time for long options strategies if you have a directional bias. Wall Street analysts see significant upside, with an average price target of $11.80 (+37.7%). The stock is fairly positioned - fine to hold existing positions or accumulate slowly on dips, but not an urgent buy.

Quick Decision Summary

Current Position OVERSOLD
Historical Trading Range $8.70 - $9.89
Company Quality Score 70/100 (BUY)
Volume Confirmation HIGH
Confidence Score 92.3%

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All Signals

  • BULLISH: Price oversold vs 30-day range
  • BULLISH: Options cheap (IV 0th percentile)
  • BULLISH: Strong technical setup (75/100)
  • BULLISH: High volume confirmation
  • BULLISH: Trading 37.7% below Wall St target ($11.80)
  • CAUTION: Bottoming setup, but lagging the sector by 26% over 20 days — wait for relative strength

Trading Range Analysis

30-Day Trading Range $8.70 - $9.89
Current vs Trading Range OVERSOLD
Expected Move (7 Days) ±$0.64 (7.4%)

Support & Resistance Levels

Support Level $8.04
Resistance Level $9.25
Current Trend Uptrend
Technical data as of Oct 1, 2026

Fundamental Context

Forward P/E (Next Year Est.) 3.80
Wall Street Target $11.80 (+37.7%)
Revenue Growth (YoY) 5.6%
Earnings Growth (YoY) -39.7%
Profit Margin 7.6%
Valuation Discount vs History -12.9% cheaper
PE vs Historical 3.8 vs 5.7 CHEAP
Market-Implied Price Targets If current PE multiple persists
Implied Growth (YoY): -12.9% (market-implied from PE analysis)
1-Year Target $7.71 (-10%)
2-Year Target $6.94 (-19%)
3-Year Target $6.25 (-27%)
3-Yr Target (if PE normalizes) (PE: 4→6) $9.38 (+9%)
3-Year Scenarios Using analyst projected EPS growth
Bull: (PE: 20.4, Growth: 71.3%) $155.35 (+1713%)
Base: (SPY PE: 3.8, Growth: 71.3%) $28.92 (+238%)
Bear: (PE: 3.2, Growth: 71.3%) $24.59 (+187%)
📈 Valuation based on Current Earnings
RECOVERY PLAY: Stock looks expensive now (10x PE), but valuation improves significantly next year (4x PE) as earnings recover.
Trailing PE: 9.76 | Current EPS (TTM): $0.90
Bull Case $19.32 (+125%)
Analyst growth 100.0%, PE expands to 10.7
Base Case $17.56 (+105%)
Market implied 100.0%, PE stable at 9.8
Bear Case $5.97 (-30%)
Severe decline -20.0%, PE contracts to 8.3
These are projections based on PE multiples and EPS growth scenarios, not predictions. Actual results may vary significantly.
💡 Upside Surprise Potential
If earnings stabilize (0% growth), PE could expand from 3.8 to 5.7
Stabilization Target: $12.86 (+50.1%)
PE Expansion Potential: +50.1%
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Last updated: October 02, 2026 4:21 AM ET
Data refreshes hourly during market hours. Next update: 5:21 AM
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Ticker Score Recommendation Change %
Insider Activity (6 Months)
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Buys
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Sells
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Net
NEUTRAL

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Advanced NRDS Option Strategies

Professional options setups generated by AI based on today's NRDS price and gamma walls.

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