NerdWallet, Inc. — Earnings Quality Grade B
NRDS · Communication Services
Generally healthy
Screening Summary
管理层信号
Financial Trends
Revenue & Net Income ($B)
Margins (%)
18-Point Screening
Revenue Quality
DSO 48 days, change -6 days YoY
AR growth 8.6% vs revenue growth 21.7%
Revenue 21.7%, CFFO 83.3%. Cash follows revenue
Expense Quality
No material inventory
CapEx growth -14.6% vs revenue 21.7%. Normal
SG&A/Gross Profit = 82.9%, exceeds 70%
Gross margin 92.4%, change +1.6pp. Stable
Cash Flow Quality
CFFO/NI = 2.70. Profits backed by cash
FCF $0.1B, FCF/NI = 2.33
Accruals ratio = -18.0%. Low accruals
Cash $0.1B covers debt $0.0B
Balance Sheet Health
Goodwill+Intangibles $0.1B = 39% of equity
Debt/EBITDA = 0.1x. Healthy
Other assets grew 138.5% vs revenue 21.7%
No write-off data
Acquisition Risk
FCF after acquisitions positive
Goodwill+Intangibles change -0% YoY. Normal
Manipulation Score
M-Score = -3.33 (< -2.22). Unlikely manipulator
Beneish M-Score
Altman Z-Score
Generated from public financial data using forensic accounting frameworks. Not investment advice. Data: Yahoo Finance · 2026-04-25