NRDS (Nerdwallet) Moat Score: 5/10 (As of Jul. 05, 2026)


NRDS Nerdwallet Inc NRDS
73 GF Score
Price $9.46
GF Value $16.23
Valuation Significantly Undervalued
! 1 Warning Sign
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What is Nerdwallet Moat Score?

Nerdwallet NRDS +1.28% 73 Moat Score is 5 as of Jul. 05, 2026. GuruFocus rates NRDS with a GF Score™ of 73/100 and a GF Value™ of $16.23 (Significantly Undervalued). The stock has 1 warning sign investors should review. Among 564 Interactive Media companies, Nerdwallet ranks better than 94.5% on this metric.

Nerdwallet has the Moat Score of 5, which implies that the company might have Narrow Moat - Solid narrow moat.

Nerdwallet has Narrow Moat: Nerdwallet Inc has a solid narrow moat due to its strong brand recognition and customer loyalty in personal finance advice. However, it faces intense competition and lacks significant cost advantages or regulatory barriers.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Nerdwallet might have Narrow Moat - Solid narrow moat.

Nerdwallet  (NAS:NRDS) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Nerdwallet Moat Score Related Terms

NRDS vs CARS, MAX, SSTK: Moat Score Comparison

For the Internet Content & Information subindustry, Nerdwallet's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Nerdwallet Moat Score vs Interactive Media Industry

For the Interactive Media industry and Communication Services sector, Nerdwallet's Moat Score distribution charts can be found below:

* The bar in red indicates where Nerdwallet's Moat Score falls into.


NRDS
73GF Score
Nerdwallet Inc NRDS
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 5 mean?
Nerdwallet (NRDS) has a Moat Score of 5 as of Jul. 05, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Nerdwallet ranks #31 out of 564 companies in the Interactive Media industry, placing it in the top 5.5%.
Is Nerdwallet's Moat Score too high?
Nerdwallet's current Moat Score is 5. Based on the distribution chart, Nerdwallet ranks #31 out of 564 companies in the Interactive Media industry, which is in the top quartile — a strong position relative to peers. Overall, Nerdwallet has a GF Score™ of 73/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Nerdwallet's Moat Score compare to CARS and MAX?
According to the Interactive Media industry distribution chart, Nerdwallet ranks #31 out of 564 companies for Moat Score. This places Nerdwallet in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for an Interactive Media company?
A good Moat Score depends on the Interactive Media industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Nerdwallet's current Moat Score is 5. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Nerdwallet stock overvalued right now?
Based on GuruFocus' analysis, Nerdwallet (NRDS) is currently considered Significantly Undervalued. The stock's GF Value™ is $16.23, compared to a current price of $9.46 — trading 41.7% below its estimated fair value. The current Moat Score is 5. Nerdwallet's overall GF Score™ is 73/100 with 1 warning sign to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Nerdwallet (NRDS), the current Moat Score is 5 as of Jul. 05, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Nerdwallet (NRDS) Overvalued in 2026?

Based on GuruFocus' analysis, Nerdwallet stock appears to be undervalued. The current stock price of $9.46 is trading 41.7% below its estimated GF Value™ of $16.23. GuruFocus considers Nerdwallet to be Significantly Undervalued.

Key valuation signals for NRDS:

  • Moat Score: 5
  • GF Value™: $16.23 vs. price of $9.46 (41.7% below fair value)
  • GF Score™: 73/100 with 1 warning sign

No single metric tells the full story. See the NRDS stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Nerdwallet Business Description

Other Exchanges 6OI:Germany
Address 19 South B Street, Suite 9, San Mateo, CA, USA, 94401
Nerdwallet Inc is a company that provides consumer-driven advice about personal finance through its platform by connecting individuals and small and mid-sized businesses (SMBs) with providers of financial products. The Company's platform comprises three primary components: Editorial and Content Publishing, Marketplace and Referral Services, and Financial Services. It operates in the United States, Canada, and the United Kingdom.
73GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$9.46
Price
$16.23
GF Value