OakChart

Nerdwallet Inc

NRDSCommunication Services·Internet Content & Information·USA·Small·NASD·Nov 11 • 3:59 PM ET

7.70+0.28 (3.77%)
2026-11-12 03:27 CET
Market cap
492.21 USD m
Revenue, TTM
884.50 USD m
Net income, TTM
53.60 USD m
Free cash flow, TTM
131.20 USD m
EPS diluted, TTM
0.78
P/E
9.90
Compare

Price

NRDS against its 20, 50 and 200-day averages
2050200missearnings
8.0010.0012.001.6M3.2MVolumeMay 26Jun 26Jul 26Aug 26Sep 26Oct 26Nov 26NRDSclose 7.7020-day 10.1950-day 9.57200-day 9.717.7052w low

52.6% under the 52-week high of 16.24 on 2 Dec 2025. 52-week low 7.26 on 11 Nov 2026. Last 15 sessions, 67.9% high to low

Volume 1.69× normal · the line is the 50-bar volume average

Profile

NRDS
52-week range, 4% of the way up
7.3316.24

NerdWallet, Inc. engages in building online tools that provide information, insights, and consumer-driven advice about personal finance. It provides consumer-driven advice about personal finance through its platform by connecting individuals and small and mid-sized businesses with providers of financial products. The company was founded by Tim Chen and Jacob Gibson in 2009 and is headquartered in San Mateo, CA.

IndexRUT
Employees650
IPONov 04, 2021
Beta1.25
ATR, 14d0.67
Rel volume1.69
Short float15.52%
Insider own53.82%
Inst own49.31%

Snapshot

6 groups

Valuation

IndexRUT
Market Cap488.15M
Enterprise Value424.95M
Income53.60M
Sales884.50M
Book/sh5.39
Cash/sh1.16
Dividend Est.-
Dividend TTM-
Dividend Ex-Date-
Dividend Gr. 3/5Y- -
Payout0.00%
Employees650
IPONov 04, 2021

Ratios

P/E9.90
Forward P/E10.34
PEG1.23
P/S0.55
P/B1.43
P/C6.64
P/FCF3.72
EV/EBITDA3.74
EV/Sales0.48
Quick Ratio2.74
Current Ratio2.74
Debt/Eq0.03
LT Debt/Eq0.01
Option/ShortYes / Yes

Earnings

EPS (ttm)0.78
EPS next Y0.74
EPS next Q0.08
EPS this Y11.33%
EPS next Y4.56%
EPS next 5Y8.39%
EPS past 3/5Y- 51.46%
Sales past 3/5Y15.79% 27.81%
EPS Y/Y TTM-19.43%
Sales Y/Y TTM11.26%
EPS Q/Q-32.66%
Sales Q/Q11.39%
EarningsNov 05 AMC
EPS/Sales Surpr.-33.12% -4.87%

Ownership

Insider Own53.82%
Insider Trans-10.31%
Inst Own49.31%
Inst Trans0.41%
ROA11.50%
ROE14.41%
ROIC15.49%
Gross Margin93.85%
Oper. Margin8.48%
Profit Margin6.06%
SMA20-24.40%
SMA50-19.56%
SMA200-20.67%
Trades-

Technical

Shs Outstand31.61M
Shs Float29.04M
Short Float15.52%
Short Ratio5.62
Short Interest4.51M
52W High16.24 -52.59%
52W Low7.33 5.05%
Volatility8.12% 5.06%
ATR (14)0.67
RSI (14)33.34
Beta1.25
Rel Volume1.69
Avg Volume801.99K
Volume1,356,545

Performance

Perf Week-34.80%
Perf Month-20.12%
Perf Quarter-23.00%
Perf Half Y-1.16%
Perf YTD-43.17%
Perf Year-46.90%
Perf 3Y-28.77%
Perf 5Y-69.25%
Perf 10Y-
Recom2.60
Target Price10.12
Prev Close7.42
Price7.70
Change %3.77%

Analyst ratings

latest 10 of 11
DateActionAnalystRating changeTargetImplied
Nov 06, 2026DowngradeWWilliam BlairOutperform → Mkt Perform
Mar 13, 2026DowngradeMMorgan StanleyEqual-Weight → Underweight
May 03, 2023DowngradeCCitigroupBuy → Neutral$15 → $14+81.8%
Nov 29, 2021InitiatedWWilliam BlairOutperform
Nov 29, 2021InitiatedTTruistBuy$30+289.6%
Nov 29, 2021InitiatedOOppenheimerOutperform$30+289.6%
Nov 29, 2021InitiatedMMorgan StanleyEqual-Weight$24+211.7%
Nov 29, 2021InitiatedKKeyBanc Capital MarketsOverweight$35+354.5%
Nov 29, 2021InitiatedCCitigroupBuy$30+289.6%
Nov 29, 2021InitiatedBBofA SecuritiesBuy$40+419.5%

Peers

Mkt cap
TickerCompanyMkt cap
MAXMediaAlpha Inc886.11M
EVEREverQuote Inc1.03B
TREELendingTree Inc517.39M
CARGCarGurus Inc3.10B
YELPYelp Inc1.12B
INTUIntuit Inc91.57B
ZGZillow Group Inc6.60B
GDRXGoodRx Holdings Inc1.25B
SLQTSelectQuote Inc90.98M
EHTHeHealth Inc14.78M

Insider trading

latest 14 of 40
InsiderRelationshipDateTransactionCostSharesValueTotal heldForm
YOUNT SAMUELFormer OfficerJul 02 '26Proposed Sale9.4133,153311,859Jul 02 03:24 PM
Topline Capital Management, LLJun 26 '26Sale8.95919,1538,226,4194,331,992Jun 30 05:24 PM
Topline Capital Management, LLJun 29 '26Sale9.22587,8355,419,8393,744,157Jun 30 05:24 PM
Topline Capital Management, LLJun 30 '26Sale9.27454,8724,216,6633,289,285Jun 30 05:24 PM
Topline Capital Partners, LP10% OwnerJun 26 '26Sale8.95919,1538,226,4194,331,992Jun 30 04:51 PM
Topline Capital Partners, LP10% OwnerJun 29 '26Sale9.22587,8355,419,8393,744,157Jun 30 04:51 PM
Topline Capital Partners, LP10% OwnerJun 30 '26Sale9.27454,8724,216,6633,289,285Jun 30 04:51 PM
THE MARGARET YOUNT CRTFormer affiliateJun 02 '26Proposed Sale8.753002,625Jun 02 04:28 PM
BEARMAN LLCFormer AffiliateJun 02 '26Proposed Sale8.755004,375Jun 02 04:25 PM
THE SMB CHARITABLE REMAINDER Tformer affiliateJun 02 '26Proposed Sale8.754003,500Jun 02 04:23 PM
THE MARGARET YOUNT CRTFormer affiliateJun 01 '26Proposed Sale8.7615,728137,730Jun 01 04:26 PM
BEARMAN LLCFormer AffiliateJun 01 '26Proposed Sale8.7635,062306,985Jun 01 04:22 PM
THE SMB CHARITABLE REMAINDER Tformer affiliateJun 01 '26Proposed Sale8.7517,314151,582Jun 01 04:18 PM
YOUNT FAMILY REV TRUSTFormer AffiliateMay 26 '26Proposed Sale8.2678,807650,749May 26 04:09 PM

Held by

AUM
TickerCompanyAUM
VTIVanguard Morningstar Total Stock Market ETFAUM: 687.42B
IWMiShares Russell 2000 Index FundAUM: 77.38B
FESMFidelity Enhanced Small Cap Core ETFAUM: 6.82B
DFATU.S. Targeted Value Portfolio-ETF Class SharesAUM: 14.47B
VXFVanguard Extended Market Index ETFAUM: 30.47B
AVUVAvantis U.S. Small Cap Value ETFAUM: 32.39B
IWOiShares Russell 2000 Growth ETFAUM: 14.06B
PSCPrincipal U.S. Small-Cap ETFAUM: 2.68B
DFASU.S. Small Cap Portfolio-ETF Class SharesAUM: 15.51B
VTWOVanguard Russell 2000 Index ETFAUM: 16.75B

News

latest 14 of 200

Quarterly earnings

actual against estimate
PeriodReportedEPS actEPS estEPS repSales actSales estAnalysts
2026Q32026-11-050.2300.3440.230239.6251.865
2026Q22026-08-060.0700.0930.065197.3195.36
2026Q12026-05-060.2900.2800.294222.2227.637
2025Q42026-02-250.1900.1750.189225.4211.296
2025Q32025-11-060.3400.2130.342215.1193.035
2025Q22025-08-070.1100.1030.107186.9195.256
2025Q12025-05-060.000-0.0870.003209.2189.967
2024Q42025-02-190.5100.0100.511183.8168.336
2024Q32024-10-290.0000.0400.001191.3168.255
2024Q22024-07-31-0.120-0.052-0.121150.6149.936
2024Q12024-04-250.0100.0220.014161.9156.955
2023Q42024-02-14-0.0300.100-0.030133.7138.436
2023Q32023-10-26-0.010-0.080-0.006152.8144.566
2023Q22023-08-02-0.140-0.033-0.139143.3137.236
2023Q12023-05-020.020-0.0540.021169.6166.517
2022Q42023-02-140.1200.0730.116142139.697

Annual earnings

PeriodEPS actEPS estEPS repSales actSales est
2021FY-0.820-0.783-0.634379.6367.65
2022FY-0.140-0.189-0.145538.9536.03
2023FY-0.150-0.018-0.154599.4604.14
2024FY0.380-0.0970.385687.6672.35
2025FY0.6400.6270.640836.6823
2026FY-0.713--867.28
2027FY-0.745--916.76
2028FY-0.815--953.1
2029FY-0.620--996.9
2030FY-0.650--1,058

Estimate revisions

last 14 periods
PeriodTypeDateEstimatesUpDownMeanLowHigh
2026Q4S2026-11-09403207.85196.1239.6
2026Q4S2026-11-06402217.99196.7239.6
2026Q4S2026-11-05400242.2236.67255.4
2026Q4S2026-11-02400242.2236.67255.4
2026Q4S2026-10-25401242.2236.67255.4
2026Q4S2026-10-21411242.2236.67255.4
2026Q4S2026-10-01431242.2236.67255.4
2026Q4S2026-08-19531241.46236.67255.4
2026Q4S2026-08-16430242.66237.13255.4
2026Q4S2026-08-14530242.63237.13255.4
2026Q4S2026-08-11530242.63237.1255.4
2026Q4S2026-08-07520242.15237.1255.4
2026Q4S2026-07-21500235.66228242.53
2026Q4S2026-07-06512235.66228242.53

Estimate history

EPS, annual0.3680.081-0.634-0.145-0.1540.3850.6420.7781
Period2019202020212022202320242025TTM
EPS, quarterly0.0010.5110.0030.1070.3420.1890.2940.0650.23
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Sales, annual228.3245.3379.6538.9599.4687.6836.6884.5
Period2019202020212022202320242025TTM
Sales, quarterly191.3183.8209.2186.9215.1225.4222.2197.3239.6
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26
Shares, annual65.83565.83567.06975.1276.9474.10871.28963.292
Period2019202020212022202320242025MRQ
Shares, quarterly74.02874.10874.49275.22374.73171.28965.79163.87963.292
PeriodQ3 '24Q4 '24Q1 '25Q2 '25Q3 '25Q4 '25Q1 '26Q2 '26Q3 '26

Income statement, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY
Total Revenue884.50836.60687.60599.40538.90379.60245.30228.30
Cost of Goods Sold Incl. D&A54.4063.7063.5054.0039.8045.2032.2516.10
Gross Profit830.10772.90624.10545.40499.10334.40213.05212.20
Selling, General and Administrative Excl. Other755.10703.30600.90536.40505.10354.40211.45183.80
Research and Development68.4066.7082.5080.5077.6062.2050.9046.00
Other Operating Expense0.000.000.000.000.000.000.000.00
Operating Income75.0069.6023.209.00-6.00-20.001.6028.40
Interest Expense0.600.600.700.802.501.301.101.10
Unusual Expense2.004.4013.805.4013.0017.60-0.300.00
Net Income Before Taxes74.9068.205.006.30-20.00-37.700.9027.90
Income Taxes21.3019.50-25.4018.10-9.804.80-4.403.70
Consolidated Net Income53.6048.7030.40-11.80-10.20-42.505.3024.20
Net Income From Continuing Operations53.6048.7030.40-11.80-10.20-42.505.3024.20
Net Income53.6048.7030.40-11.80-10.20-42.505.3024.20
EPS (Recurring)0.850.680.51-0.10-0.02-0.450.080.37
EPS (Basic, Before Extraordinaries)0.790.660.40-0.15-0.14-0.630.080.37
EPS (Diluted)0.780.640.39-0.15-0.14-0.630.080.37
EBITDA113.50116.0071.6057.2031.0015.0023.5044.10
Non-Operating Income (Expense)2.503.60-3.703.501.501.200.100.60
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense23.5521.5028.6830.6527.1813.074.673.65
Price To Earnings Ratio9.909.90------
Price To Sales Ratio0.641.231.531.881.262.75--
Gross Margin93.8592.3990.7690.9992.6188.0986.8592.95
Operating Margin8.488.323.371.50-1.11-5.270.6512.44
Net Margin6.065.824.42-1.97-1.89-11.202.1610.60
Shares Outstanding63.2971.2974.1176.9475.1267.0765.8365.83
Market Capitalization492.21492.21976.741,133.35713.491,023.731,024.39-

Income statement, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q22025Q12024Q4
Total Revenue239.60197.30222.20225.40215.10186.90209.20183.80
Cost of Goods Sold Incl. D&A13.8013.4013.6013.6015.3016.6018.2016.70
Gross Profit225.80183.90208.60211.80199.80170.30191.00167.10
Selling, General and Administrative Excl. Other206.30177.00180.10191.70164.50157.90189.20147.90
Research and Development17.8017.5016.8016.3015.7017.9016.8016.10
Other Operating Expense0.000.000.000.000.000.000.000.00
Operating Income19.506.9028.5020.1035.3012.401.8019.20
Interest Expense0.200.100.200.100.200.200.100.20
Unusual Expense0.10-0.101.300.700.901.701.1010.50
Net Income Before Taxes19.707.3028.0019.9035.5011.501.300.70
Income Taxes4.803.007.605.909.203.301.10-37.90
Consolidated Net Income14.904.3020.4014.0026.308.200.2038.60
Net Income From Continuing Operations14.904.3020.4014.0026.308.200.2038.60
Net Income14.904.3020.4014.0026.308.200.2038.60
EPS (Recurring)0.230.060.310.200.350.120.010.61
EPS (Basic, Before Extraordinaries)0.230.070.300.190.350.110.000.52
EPS (Diluted)0.230.070.290.190.340.110.000.51
EBITDA29.5016.2038.2029.6046.9025.1014.4030.60
Non-Operating Income (Expense)0.500.401.000.601.301.000.70-7.80
Other After Tax Adjustments0.000.000.000.000.000.000.000.00
Stock Option Compensation Expense8.145.455.534.445.296.485.295.61
Price To Earnings Ratio9.909.9316.2014.0817.3127.8622.36-
Price To Sales Ratio0.640.710.851.201.041.090.941.46
Gross Margin94.2493.2193.8893.9792.8991.1291.3090.91
Operating Margin8.143.5012.838.9216.416.630.8610.45
Net Margin6.222.189.186.2112.234.390.1021.00
Shares Outstanding63.2963.8865.7971.2974.7375.2274.4974.11
Market Capitalization492.21608.64693.24985.26817.76817.40670.68976.74

Balance sheet, annual

Currency USD, millions
Metric2025FY2024FY2023FY2022FY2021FY2020FY2019FY
Cash & Short Term Investments100.6068.50102.5085.90169.8083.4067.60
Short Term Receivables124.40109.0081.0092.8060.9038.7037.30
Inventories0.000.000.000.000.000.000.00
Other Current Assets19.7019.2014.9010.5012.107.303.00
Total Current Assets244.70196.70198.40189.20242.80129.40107.90
Net Property, Plant & Equipment38.9048.3059.8060.4048.8041.7034.10
Total Investments and Advances0.000.000.000.000.000.000.00
Intangible Assets145.00145.70158.40175.3071.4079.400.30
Deferred Tax Assets42.0045.60--0.004.102.30
Other Assets3.101.302.000.801.100.600.00
Total Assets473.70437.60418.60425.70364.10255.20144.60
Short Term Debt Incl. Current Port. of LT Debt8.804.803.403.102.407.4012.10
Accounts Payable5.408.901.703.603.205.401.80
Income Tax Payable0.503.10-----
Other Current Liabilities56.2043.3032.2065.7060.2011.2013.00
Total Current Liabilities70.9060.1037.3072.4065.8024.0026.90
Long Term Debt6.104.106.209.6012.7037.6037.10
Provision for Risks Charges0.000.000.000.001.704.103.80
Deferred Tax Liabilities22.209.007.901.201.801.50-
Other Liabilities0.000.200.300.8024.5036.500.00
Total Liabilities99.2073.4051.7084.00106.50103.7067.80
Non-Equity Reserves0.000.000.000.000.000.000.00
Preferred Stock - Carrying Value0.000.000.000.000.0068.8068.80
Common Equity374.50364.20366.90341.70257.6082.708.00
Total Shareholders Equity374.50364.20366.90341.70257.60151.5076.80
Accumulated Minority Interest0.000.000.000.000.000.000.00
Total Equity374.50364.20366.90341.70257.60151.5076.80
Total Liabilities & Stockholders Equity473.70437.60418.60425.70364.10255.20144.60
Book Value Per Share5.254.914.774.553.841.260.12
Tangible Book Value Per Share3.222.952.712.222.780.050.12
Full-Time Employees650650730770675586-
Price to Book Ratio1.433.053.112.244.0519.40-
Return on Assets10.697.10-2.80-2.58-13.732.65-
Return on Equity13.198.32-3.33-3.40-20.784.64-
Return on Invested Capital12.808.25-3.16-2.90-15.722.8021.25
Quick Ratio3.453.275.322.613.695.394.01
Current Ratio3.453.275.322.613.695.394.01

Cash flow, annual

Currency USD, millions
MetricTTM2025FY2024FY2023FY2022FY2021FY2020FY2019FY
Net Income53.6048.7030.40-11.80-10.20-42.505.3024.20
Depreciation38.5046.4048.4048.2037.0035.0021.9015.70
Other Funds (Non Cash)33.6032.6048.5044.5045.0033.905.506.40
Funds from Operations141.90143.7081.2080.4059.2030.8028.1047.70
Extraordinary Item0.000.000.000.000.000.000.000.00
Changes in Working Capital5.10-12.10-9.40-8.30-34.20-23.60-12.70-16.30
Cash from Operating Activities147.00131.6071.8072.1025.007.2015.4031.40
Capital Expenditures-15.80-18.20-21.30-29.50-32.20-23.00-18.70-14.80
Net Assets From Acquisitions-29.30-13.10-0.300.00-68.100.00-36.700.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.000.000.00
Purchase or Sale of Investments0.30-2.00-8.100.000.000.000.000.00
Purchase of Investments-2.00-2.00-8.100.000.000.000.000.00
Sale Or Maturity of Investments2.300.000.000.000.000.000.000.00
Other Uses0.000.000.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.000.000.00
Cash from Investing Activities-44.80-33.30-29.70-29.50-100.30-23.00-55.40-14.80
Cash Dividends Paid0.000.000.000.000.000.000.000.00
Change in Capital Stock-145.60-67.00-72.40-6.8011.20130.6061.10-1.40
Repurchase of Common Pref Stock-150.00-70.20-80.10-20.000.00-16.40-1.60-3.10
Sale of Common Pref Stock4.403.207.7013.2011.20147.0062.701.70
Proceedsfrom Stock Options2.302.101.403.003.50136.0054.300.00
Issuance or Reduction of Debt, Net-2.104.40-2.00-1.400.00-28.50-5.000.00
Change in Long Term Debt-2.104.40-2.00-1.400.00-28.50-5.000.00
Issuance of Long Term Debt1.104.400.006.1070.000.005.000.00
Reduction of Long Term Debt-3.200.00-2.00-7.50-70.00-28.50-10.000.00
Net Financing Active Other Cash Flow-1.60-3.50-2.10-18.00-19.60-1.90-0.400.00
Other Financing Activities Uses-1.60-3.50-2.10-18.00-19.60-1.90-0.400.00
Cash from Financing Activities-149.30-66.10-76.50-26.20-8.40100.2055.70-1.40
Exchange Rate Effect0.00-0.200.300.10-0.200.000.100.00
Net Change in Cash-47.1032.00-34.1016.50-83.9084.4015.8015.20
Free Cash Flow131.20113.4050.5042.60-7.20-15.80-3.3016.60
Preferred Dividends (Cash Flow)-0.000.000.000.000.000.000.00
Price to Free Cash Flow4.339.0720.7826.50----
Deferred Taxes & Investment Tax Credit-16.00-46.10-0.50-12.604.40-4.601.40

Balance sheet, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Cash & Short Term Investments73.5062.0056.30100.60120.60105.30
Short Term Receivables138.70120.00118.50124.40126.40103.10
Inventories0.000.000.000.000.000.00
Other Current Assets16.0019.3031.6019.7028.1030.30
Total Current Assets228.20201.30206.40244.70275.10238.70
Net Property, Plant & Equipment32.0035.4037.4038.9040.3043.00
Total Investments and Advances2.000.000.000.000.000.00
Intangible Assets156.90155.40159.10145.00140.50144.40
Deferred Tax Assets17.6020.9024.0042.0033.8048.90
Other Assets3.005.005.103.103.101.00
Total Assets439.70418.00432.00473.70492.80476.00
Short Term Debt Incl. Current Port. of LT Debt5.707.1016.908.807.7013.00
Accounts Payable19.6012.706.605.4013.6011.80
Income Tax Payable---0.50--
Other Current Liabilities58.0057.1056.8056.2053.1044.50
Total Current Liabilities83.3076.9080.3070.9074.4069.30
Long Term Debt4.605.105.606.106.607.10
Provision for Risks Charges0.000.000.000.000.000.00
Deferred Tax Liabilities---22.20--
Other Liabilities10.4010.209.900.009.409.60
Total Liabilities98.3092.2095.8099.2090.4086.00
Non-Equity Reserves0.000.000.000.000.000.00
Preferred Stock - Carrying Value0.000.000.000.000.000.00
Common Equity341.40325.80336.20374.50402.40390.00
Total Shareholders Equity341.40325.80336.20374.50402.40390.00
Accumulated Minority Interest0.000.000.000.000.000.00
Total Equity341.40325.80336.20374.50402.40390.00
Total Liabilities & Stockholders Equity439.70418.00432.00473.70492.80476.00
Book Value Per Share5.395.105.115.255.385.18
Tangible Book Value Per Share2.922.672.693.223.503.26
Full-Time Employees---650--
Price to Book Ratio1.431.811.982.522.082.20
Return on Assets11.5014.5415.1910.6916.3810.21
Return on Equity14.4118.1619.4713.1920.2312.24
Return on Invested Capital4.311.305.973.686.432.06
Quick Ratio2.742.622.573.453.703.44
Current Ratio2.742.622.573.453.703.44

Cash flow, quarterly

Currency USD, millions
Metric2026Q32026Q22026Q12025Q42025Q32025Q2
Net Income14.904.3020.4014.0026.308.20
Depreciation10.009.309.709.5011.6012.70
Other Funds (Non Cash)11.207.207.607.607.709.30
Funds from Operations39.4023.8043.1035.6060.5027.10
Extraordinary Item0.000.000.000.000.000.00
Changes in Working Capital-8.2017.40-7.403.30-12.00-9.60
Cash from Operating Activities31.2041.2035.7038.9048.5017.50
Capital Expenditures-3.10-3.70-4.20-4.80-4.40-4.40
Net Assets From Acquisitions-5.10-0.30-15.80-8.100.00-5.00
Sale of Fixed Assets and Businesses0.000.000.000.000.000.00
Purchase or Sale of Investments0.000.000.300.00-2.000.00
Purchase of Investments0.000.00-2.000.00-2.000.00
Sale Or Maturity of Investments0.000.002.300.000.000.00
Other Uses0.000.000.000.000.000.00
Other Sources0.000.000.000.000.000.00
Cash from Investing Activities-8.20-4.00-19.70-12.90-6.40-9.40
Cash Dividends Paid0.000.000.000.000.000.00
Preferred Dividends (Cash Flow)0.000.000.000.000.000.00
Change in Capital Stock-9.50-21.20-65.70-49.20-18.801.00
Repurchase of Common Pref Stock-10.50-22.80-66.00-50.70-19.20-0.30
Sale of Common Pref Stock1.001.600.301.500.401.30
Proceedsfrom Stock Options0.001.200.001.100.001.00
Issuance or Reduction of Debt, Net-1.50-9.708.001.10-5.404.40
Change in Long Term Debt-1.50-9.708.001.10-5.404.40
Issuance of Long Term Debt0.00-8.008.001.10-5.404.40
Reduction of Long Term Debt-1.50-1.700.000.000.000.00
Net Financing Active Other Cash Flow-0.50-0.60-0.20-0.30-2.40-0.30
Other Financing Activities Uses-0.50-0.60-0.20-0.30-2.40-0.30
Cash from Financing Activities-11.50-31.50-57.90-48.40-26.605.10
Exchange Rate Effect0.000.00-0.100.10-0.20-
Net Change in Cash11.505.70-42.00-22.3015.3013.10
Free Cash Flow28.1037.5031.5034.1044.1013.10
Price to Free Cash Flow4.334.135.878.859.8313.15

Revenue breakdown

Credit Card2024: 176.40M 2025: 133.40M
Emerging Verticals2024: 125.30M 2025: 189.00M
Insurance2024: 191.60M 2025: 280.80M
Loans2024: 84.50M 2025: 133.40M
SMB Products2024: 109.80M 2025: 100.00M
United States2024: 687.60M 2025: 836.60M

Short interest

shares short against float, oldest to newest
SettlementOf floatShares shortFloatAvg volume
2026-10-3015.26%4.5M29.5M745.74K
2026-10-1518.02%5.3M29.5M713.01K
2026-09-3017.65%5.2M29.7M689.96K
2026-09-1515.98%4.7M29.7M685.27K
2026-08-3112.67%3.8M29.7M724.39K
2026-08-1413.94%4.1M29.2M798.03K
2026-07-3111.79%3.6M30.9M890.61K
2026-07-1511.87%3.7M30.9M877.47K
2026-06-3011.12%3.4M30.9M856.56K
2026-06-1515.50%4.8M30.9M892.92K
2026-05-2911.99%3.7M31.0M928.50K
2026-05-1512.57%4.0M31.4M1.00M
2026-04-3014.77%4.7M31.6M921.50K
2026-04-1514.43%4.6M31.6M980.36K
2026-03-3115.75%5.1M32.4M1.02M
2026-03-1318.62%6.0M32.4M970.89K
2026-02-2717.95%5.8M32.4M942.41K
2026-02-1312.18%4.6M37.9M842.66K
2026-01-308.83%3.4M38.9M804.13K
2026-01-156.09%2.4M38.9M759.52K

Option chain

expiry 2026-11-20
TypeStrikeBidAskLastIVOpen intVolumeDeltaThetaVega
call2.504.905.400.005.8870.000.000.960-0.0320.001
call5.002.402.900.002.6690.000.000.907-0.0280.002
call7.500.300.500.220.8233.001.000.621-0.0180.005
call10.000.000.100.071.3702401.000.132-0.0200.003
call12.500.000.250.452.1131870.000.096-0.0240.002
call15.000.000.250.002.6620.000.000.081-0.0270.002
call17.500.000.250.003.0990.000.000.072-0.0290.002
call20.000.000.250.003.4620.000.000.067-0.0300.002
call22.500.000.250.003.7720.000.000.063-0.0320.001
put2.500.000.250.005.4510.000.00-0.040-0.0320.001
put5.000.000.150.002.4530.000.00-0.093-0.0270.002
put7.500.100.200.150.6201051.00-0.379-0.0180.005
put10.002.152.751.932.38720.000.00-0.868-0.0190.003
put12.504.605.104.502.8901.000.00-0.904-0.0230.002
put15.007.107.604.543.5310.000.00-0.919-0.0250.002
put17.509.6010.100.004.0380.000.00-0.928-0.0270.002
put20.0012.1012.600.004.4580.000.00-0.933-0.0280.002
put22.5014.6015.100.004.8170.000.00-0.937-0.0290.001

Latest SEC filings

30
FiledFormDescriptionPeriodLink
2026-11-058-KCurrent report2026-11-05SEC
2026-11-0510-QQuarterly report pursuant to Section 13 or 15(d)2026-09-30SEC
2026-10-30SCHEDULE 13GSEC
2026-09-034Statement of changes in beneficial ownership of securities2026-09-01SEC
2026-09-034Statement of changes in beneficial ownership of securities2026-09-01SEC
2026-09-034Statement of changes in beneficial ownership of securities2026-09-01SEC
2026-09-034Statement of changes in beneficial ownership of securities2026-09-01SEC
2026-08-0610-QQuarterly report pursuant to Section 13 or 15(d)2026-06-30SEC
2026-08-068-KCurrent report2026-08-06SEC
2026-07-02144Filing for proposed sale of securities under Rule 144.SEC
2026-06-304Statement of changes in beneficial ownership of securities2026-06-26SEC
2026-06-304Statement of changes in beneficial ownership of securities2026-06-26SEC
2026-06-034Statement of changes in beneficial ownership of securities2026-06-01SEC
2026-06-034Statement of changes in beneficial ownership of securities2026-06-01SEC
2026-06-034Statement of changes in beneficial ownership of securities2026-06-01SEC
2026-06-034Statement of changes in beneficial ownership of securities2026-06-01SEC
2026-06-02144Filing for proposed sale of securities under Rule 144.SEC
2026-06-02144Filing for proposed sale of securities under Rule 144.SEC
2026-06-02144Filing for proposed sale of securities under Rule 144.SEC
2026-06-01144Filing for proposed sale of securities under Rule 144.SEC
2026-06-01144Filing for proposed sale of securities under Rule 144.SEC
2026-06-01144Filing for proposed sale of securities under Rule 144.SEC
2026-05-26144Filing for proposed sale of securities under Rule 144.SEC
2026-05-26144Filing for proposed sale of securities under Rule 144.SEC
2026-05-264Statement of changes in beneficial ownership of securities2026-05-22SEC
2026-05-264Statement of changes in beneficial ownership of securities2026-05-21SEC
2026-05-263Initial statement of beneficial ownership of securities2026-05-22SEC
2026-05-264Statement of changes in beneficial ownership of securities2026-05-21SEC
2026-05-264Statement of changes in beneficial ownership of securities2026-05-21SEC
2026-05-22144Filing for proposed sale of securities under Rule 144.SEC

Insider activity by month

MonthBoughtBuysSoldSells
2026-110000
2026-100000
2026-090000
2026-080000
2026-070000
2026-060035.73M6
2026-050000
2026-040000
2026-0300901.17K4
2026-020000
2026-010000
2025-1200265.24K2
2025-1100404.03K4

Institutional holders

Manager% owned
Topline Capital Management, LLC5.00%
BlackRock, Inc.3.92%
ARROWSTREET CAPITAL, LIMITED PARTNERSHIP2.69%
DIMENSIONAL FUND ADVISORS LP2.29%
VANGUARD CAPITAL MANAGEMENT LLC2.08%
JACOBS LEVY EQUITY MANAGEMENT, INC1.57%
Quinn Opportunity Partners LLC1.42%
STATE STREET CORP1.41%
GEODE CAPITAL MANAGEMENT, LLC1.28%
D. E. Shaw & Co., Inc.1.24%

Funds

Fund% owned
VANGUARD TOTAL STOCK MARKET INDEX FUND1.53%
iShares Russell 2000 ETF1.29%
Fidelity Enhanced Small Cap Core ETF0.86%
Fidelity Small Cap Index Fund0.55%
Avantis U.S. Small Cap Value ETF0.53%
VANGUARD EXTENDED MARKET INDEX FUND0.51%
iShares Russell 2000 Growth ETF0.47%
Principal U.S. Small-Cap ETF0.45%
U.S. Targeted Value Portfolio0.43%
Dimensional U.S. Targeted Value ETF0.38%

OakChart. NRDS. Cached 15 minutes.