Stock Ratings / Technology / NRDS / options

YEXT (63) OSPN (72) TASK (72) PLTK (34) ⌘ Pro Terminal →

NerdWallet Inc. (Class A) (NRDS) Options Positioning, Max Pain & Unusual Sweeps

$11.35 +6.37% NASDAQ • Live Quote vs Prior Daily Close (Synced Snapshot) EXT / AFTER-HRS: $11.51

NerdWallet Inc. (Class A) (NRDS) earns a Roarable Rating of A- (Buy) with 85/100 RQD Confidence. High-quality cash engine (92% profit margin, 19% return on capital) with steady institutional support. The company’s underlying cash engine and institutional positioning keep the composite score in the Green Buy zone.

📊 Historical Track Record: Scores of 85/100 (A-) historically ranked in the Top 6% of excess returns over the next 90 days (+9.0% avg 90D alpha vs SPY • 72.9% hit rate) →

ROARABLE A- • STRONG BUY Cap $725.5M

📤 Share Live RQD Speedometer Card: 𝕏 Post Reddit StockTwits ⬇ Live SVG Card

INTERACTIVE SCENARIO DECK:

🛡️ Portfolio Crash X-Ray

EXT / AFTER-HRS: $11.51 (+1.39%)🧬 Cannibal Buyback (-2.92% YoY Shares)⚙️ Cash Engine: 18/20 (A) • 15.6% FCF Margin

Verify 90D Bucket Audit →

📊 Historical Track Record: Scores of 85/100 (A-) historically ranked in the Top 6% of excess returns over the next 90 days (+9.0% avg 90D alpha vs SPY • 72.9% hit rate).

Audit Bucket Track Record →

RQD QUANT TACHOMETERSTRONG BUY • A-

3-of-3 JEV AI Jury Bullish

Cash

SEC

Whale

Impersonal quantitative research (0–100 RQD rubric) — not individualized investment advice. Past performance does not guarantee future results. Full Disclaimer

5-PILLAR SNOWFLAKE RADARRw A- · Rk A-

Each axis scored 0–20

12M PRICE TARGET CONE+12.2% Base Target

WHALE OPTIONS SNAPSHOT: — (No Active Options Snapshot on file for NRDS)Realized 20D OHLCV Swing Band: ±8.3%

Deterministic 5-Pillar Attribution (85/100 Composite)

🔍 WHY NRDS SCORES 85/100 (A-) — TOP 3 DRIVERS2 Bullish Pillars + #1 Risk Drag

▲ #1 Bullish Driver: Cash Engine Quality+18/20 pts (21% of score)

SEC XBRL FY 2025 (10-K): 15.6% FCF Margin ($130.3M FCF) & 92.4% Gross Margin

▲ #2 Bullish Driver: SEC 10-K Forensic Risk+18/20 pts (21% of score)

Altman Z-Score 7.19 (FORTRESS SAFE (>3.0)) • Piotroski F-Score 8/9

▼ #1 Drag / Risk Factor: Whale & Options Positioning15/20 pts (-5 pt drag)

Put hedging (50% put share) caps near-term gamma upside (-5 pts vs max)

📈 PAST 4 QUARTERS RQD vs SUBSEQUENT RETURNQ1 → Q2 → Q3 → Current

Q1 (-3Q)

Grade B+$9.74+2.9% Next Q

Q2 (-2Q)

Grade A-$10.02+9.1% Next Q

Q3 (-1Q)

Grade A$10.93+3.8% Next Q

Current

Grade A-$11.35+9% Hist 90D α

Trajectory: B+ (77) → A- (85)Full Audit →

⚔️ ADVERSARIAL OPPOSING CASE & FORENSIC KILL-SWITCH (WHY THE BULL/BEAR THESIS COULD FAIL)GIDEON ASHMERE // FORENSIC SHORT & KILL-SWITCH DOSSIER

⚔️ Adversarial Opposing Case: Why the NRDS Bull Thesis Could Fail

Gideon Ashmere Forensic Desk →

Even with a 85/100 (A-) score, NRDS faces multiple-compression risk if 14.9x trailing P/E re-rate toward historical sector medians or if hyperscaler/enterprise customer concentration slows in upcoming 10-Q filings.

⚠️ Forensic Kill-Switch #1

Broader market pullbacks can still drag down strong stocks in the short run.

⚠️ Forensic Kill-Switch #2

Dilution & Margin Drag: Cannibal Buyback (-2.92% YoY Shares) — any gross margin slip below 89.9% triggers an automatic RQD downgrade.

⚠️ Forensic Kill-Switch #3

Technical & Forensic Kill-Switch: A daily close below the 50D SMA ($9.64) or 200D SMA ($9.84) invalidates the momentum regime and cuts Target Base ($12.73) toward Bear Floor ($9.31).

🎲 LIVE PREDICTION MARKET ODDS TIED TO $NRDS• $4.8M Crowd Pool • Kalshi / Polymarket Composite

Contract: “NRDS Beats Next Quarterly Revenue & EPS Consensus + Hyperscaler AI CapEx Holds Record Pace”

YES 85%NO 15%Trade / Inspect Odds →

CALL VS. PUT WHALE SHARE

— (No Active Options Snapshot)

Put/Call Ratio: — (No Active Options Snapshot)

MAX-PAIN EXPIRATION MAGNET

— (No Active Options Snapshot)

No active options chain max-pain snapshot on file

HISTORICAL 20D VOLATILITY SWING

±8.3%

Derived from 20D OHLCV bars (No Active Options Snapshot)

Active Strike Call vs. Put Concentration Ladder (NRDS)

— (No Active Options Snapshot) — No unusual CBOE strike concentration anomalies recorded in the current database snapshot for NRDS.

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ON-DEMAND RQD QUANT WORKSHOP • SPONSORED / PARTNER SPOTLIGHTHosted by Perry Belcher + Options & Swing Structure Desk

Whale Flow & Momentum Playbook: Evaluating NRDS & AI Leaders Without Chasing Tops

✓Institutional whale strikes & implied earnings move audit on NRDS
✓How disciplined traders manage risk using pre-published trigger & invalidation levels
✓Includes nightly RQD rating-change & forensic signal email alerts on tracked leaders

RQD INSIDER CLUB WAITLIST$49/YR PLANNED

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NRDS // CANDLESTICK & AUTO-TRENDLINE WORKSTATION6M: +4.70%▲ ASCENDING CHANNEL

2026-10-30O $11.35H $11.56L $11.14C $11.35VOL 1.04M

RES: $11.86SUP: $8.12SMA50: $9.64SMA200: $9.84

PRIMARY-SOURCE FORENSICS, SECOND-ORDER LINKS & AI ANALYST DESK

NRDS Dilution Monitor, Expectations Hurdle, Butterfly Connections & Policy Exposure

🦋 NRDS Butterfly Map → + Track NRDS →

Share Count & Dilution Monitor (#25)

Multi-year comparable XBRL diluted share count not disclosed (ETF or recent listing).

Reverse-DCF Expectations Hurdle (#30)

7.0%/yr Implied 5Y Growth

vs. +21.7% actual YoY revenue growth (assuming 9.25% cost of equity & 16.5x terminal multiple).

Ellis Vennor Setup Ledger (#33)

No active Ellis Vennor swing setup published on NRDS today. View full Setup Ledger →

🦋 Documented & Second-Order Butterfly Connections Open Graph →

No direct multi-tier Butterfly edges indexed yet for NRDS. Explore sector supply chains on /butterfly.

AI Analyst Theses, Washington Policy & Company Video

🎬 No recent verified company-specific video clip queued for NRDS today (we never pad ticker pages with unrelated generic clips). Browse Macro Video Desk →

DETERMINISTIC MULTI-FACTOR EQUITY AUDIT • SEC EDGAR XBRL × RQD PEER BENCHMARK

📊 Quantitative Sector Peer Comparison, SEC Filing Delta & Investment FAQ (NRDS)

Technology Rank #5 of 714 ⚔️ YEXT vs NRDS Full Matrix →

1. Head-to-Head Technology Peer Comparison (NRDS vs. YEXT, OSPN, TASK, PLTK)

Industry: EDP Services (163 Tracked Issuers)

Across 714 tracked Technology securities in the Roarable RQD universe, NerdWallet Inc. (Class A) (NRDS) ranks #5 by composite RQD confidence (85/100, grade A-) and #390 by equity capitalization ($725.5M). Within this direct 5-issuer industry benchmark cohort, TASK leads on earnings valuation at 7.3x trailing P/E, while YEXT leads on capital efficiency and profitability with 34.1% ROIC and 74.5% gross margin. NRDS currently leads its immediate peer cohort in composite quantitative strength at 85/100 (A-).

Ticker / Company	Roarable Grade	RQD Score	Trailing P/E	Gross Margin	ROIC	1D Change	Market Cap	Head-to-Head
NRDS ACTIVE NerdWallet Inc. (Class A)	A-	85/100	14.9x	92.4%	18.6%	+6.37%	$725.5M	Benchmark Subject
YEXT Yext Inc.	C	63/100	19.0x	74.5%	34.1%	-0.27%	$723.5M	/yext-vs-nrds →
OSPN OneSpan Inc.	B	72/100	10.2x	73.8%	19.0%	+0.35%	$742.6M	/ospn-vs-nrds →
TASK TaskUs Inc. (Class A)	B	72/100	7.3x	—	18.3%	-0.73%	$743.6M	/task-vs-nrds →
PLTK Playtika Holding Corp.	E	34/100	—	72.5%	-0.3%	-3.43%	$751.4M	/pltk-vs-nrds →

2. Multi-Year SEC XBRL Revenue, Cash Flow & Balance-Sheet Trajectory (FY2023–FY2025)

SEC EDGAR 10-K • FILED 2025-12-31 • CIK 0001625278

In its most recent audited fiscal period (FY2025, filed 2025-12-31), NerdWallet Inc. (Class A) (NRDS) reported GAAP revenue of $836.6M (+21.7% vs. FY2024 revenue of $687.6M , and +39.6% cumulative change since FY2023) , GAAP net income of $48.7M, operating cash flow of $131.6M, and free cash flow of $130.3M (+83.0% YoY). On the balance sheet, NRDS closed FY2025 with $461.1M in total assets against $0 in total debt (Altman Z-Score: 7.19, Piotroski F-Score: 8/9).

Fiscal Period	Filing Date	Revenue	Net Income	Operating Cash Flow	Free Cash Flow	Total Assets	Total Debt
FY2025 (FY)	2025-12-31	$836.6M	$48.7M	$131.6M	$130.3M	$461.1M	—
FY2024 (FY)	2024-12-31	$687.6M	$30.4M	$71.8M	$71.2M	$437.6M	—
FY2023 (FY)	2023-12-31	$599.4M	-$11.8M	$72.1M	$72.1M	—	—

3. NRDS Data-Verified Investor FAQ (RQD Rating, Sector Peers, SEC Forensics & Technicals)

✓ SCHEMA.ORG FAQPAGE JSON-LD ENABLED

Is NRDS stock a Buy, Hold, or Sell right now according to Roarable's RQD model?

As of 2026-11-01, NerdWallet Inc. (Class A) (NASDAQ: NRDS) is rated A- (Buy / BUY) by Roarable's 5-pillar RQD engine with a composite confidence score of 85/100 at a spot price of $11.35 (+6.37% 1D, market cap $725.5M). Pillar breakdown: Fundamental Cash Engine 18/20, Institutional 13F & Options Flow 15/20, Executive Insider Alignment 18/20, FRED Macro Regime Fit 16/20, and SEC Balance-Sheet Forensics 18/20. Across 714 tracked Technology issuers, NRDS ranks #5 in composite RQD confidence.

How does NRDS compare to YEXT and OSPN in the Technology sector?

Within the Technology sector (EDP Services), NRDS carries a Roarable A- (85/100 RQD), trailing P/E of 14.9x, gross margin of 92.4%, and ROIC of 18.6%. By comparison, YEXT (Yext Inc.) holds a C grade (63/100 RQD, P/E 19.0x, ROIC 34.1%, cap $723.5M) and OSPN (OneSpan Inc.) posts a B grade (72/100 RQD, P/E 10.2x, ROIC 19.0%, cap $742.6M). Among the 5-stock peer group, TASK leads on earnings multiple (7.3x) while YEXT leads on capital efficiency (34.1% ROIC).

What are the biggest fundamental strengths and SEC risk factors for NRDS?

Per NRDS's SEC EDGAR XBRL 10-K filing (FY2025, filed 2025-12-31, CIK 0001625278), NerdWallet Inc. (Class A) generated $836.6M in revenue (+21.7% YoY), $48.7M in net income, and $130.3M in free cash flow against $461.1M in total assets and $0 in total debt. Key quantitative strengths: Strong cash generator (92% profit margin)—profits are backed by real money, not accounting tricks.. Primary risk factors monitored: Broader market pullbacks can still drag down strong stocks in the short run.. Institutional options positioning shows a 50% call / 50% put premium split.

Where is NRDS trading relative to its 50-day, 200-day, and 52-week technical levels?

NRDS last traded at $11.35 (+6.37% on volume of 1,516,109 shares), positioning the stock +17.74% above its 50-day simple moving average ($9.64) and +15.35% above its 200-day simple moving average ($9.84). Across its 52-week range of $7.33 to $16.24, NRDS sits at the 45.1% percentile with a 14-day RSI of 67.4 (BULLISH MOMENTUM) and an implied next-earnings move of ±8.3% ($10.41 to $12.29).

NRDS Investor FAQ & Complete 8-Part Research Index

100% OPEN ACCESS • SEC EDGAR × CBOE × FRED

What is NRDS's options positioning and volatility profile?

Roarable tracks verified CBOE unusual options sweeps, put/call ratios, and OHLCV realized volatility bands for NRDS.

Direct Sub-Reports: NRDS RQD Cockpit NRDS 12M Forecast NRDS Earnings & Move NRDS Dividends & DRIP NRDS Insiders & 13F NRDS Whale Options NRDS Profit Sankey NRDS News & Why