NerdWallet Inc

NerdWallet maintains a strong liquidity position with $98.3 million in cash and equivalents, supported by a current ratio of 3.45 and a low debt-to-equity ratio of 0.02. The company's liquidity_fpt score indicates a low risk of liquidity stress, with no immediate filing-based flags detected. Profitability metrics show a return on equity (ROE) of 13% and a return on assets (ROA) of 10.56%, both exceeding the industry median for Consumer Lending firms. The company's operating margin of 7.8% (calculated from operating income of $65.2 million on $836.6 million revenue) is in line with industry norms. Geographically, NerdWallet's revenue is concentrated in the United States, with no material international operations disclosed. The company's business model is primarily digital, with no physical branch network reported in the latest filings. The company's revenue growth outlook for the current fiscal year is positive, with a projected increase of 12% year-over-year. This follows a 15% revenue growth in the prior year, driven by expansion in its credit card and loan comparison services. The risk assessment indicates a low probability of dilution, with no near-term pressure from share issuance or convertible debt. Recent 10-Q filings show no material changes in the company's capital structure or risk profile. The company has not issued new shares in the past 12 months, and no material legal or regulatory proceedings were disclosed in the latest quarterly report.