NRDS
NerdWallet, Inc.13.98
+0.33+2.42%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q4 '25)
No earnings call transcript available yet
Last Quarter (Q3 '25)
FY Q3 '25
Q&A reaffirms script, minor LLM/banking color
Q&A largely reaffirmed prepared remarks, adding light color on LLM traffic—primarily from Google AI overviews and ChatGPT/Gemini, driving high-intent conversions—and banking strength from consumer/partner demand despite easing rates plus funnel improvements. Management downplayed below-prime as a content shift, instead emphasizing marketplace fill-out to boost performance marketing competitiveness. Brand underspend stemmed from creative reevaluation; Q4 spend proxies last year's Q4. The session broke little new ground. Investors will eye LLM scaling and brand refresh impact amid organic search woes.
Key Stats
Market Cap
1.06BP/E (TTM)
14.87Basic EPS (TTM)
0.94Dividend Yield
0%Recent Filings
8-K
Boosts buyback to $125M
10-Q
Q3 FY2025 results
NerdWallet posted Q3 revenue of $215.1M, up 12% y/y, fueled by 83% growth in emerging verticals and 66% in loans, yet credit cards dropped 25%. Operating income soared to $34.4M from $6.6M, with margins hitting 16% as R&D costs fell 31% y/y. Cash swelled to $120.6M on $92.7M operating cash flow (FCF not disclosed in the 10-Q); $5.8M warehouse line outstanding. Closed June 2025 acquisition for $5.0M cash, booking $3.0M goodwill and customer intangibles over 3 years. EPS reconciles at $0.34 diluted. Share buybacks trimmed shares. Organic search traffic weighs on credit cards.
8-K
Q3 revenue up 12% to $215M
NerdWallet posted Q3 revenue of $215.1 million, up 12% year-over-year, with GAAP net income of $26.3 million. Loans rocketed 66% and emerging verticals soared 83%, fueled by Next Door Lending integration, yet credit cards dropped 25% from search woes. Q4 revenue guidance: $207-$215 million. Cash hit $120.6 million.
8-K
Boosts buyback to $75M
8-K
Q2 revenue up 24%
NerdWallet posted Q2 revenue of $186.9 million, up 24% year-over-year, with insurance surging 86% to $54.7 million on carrier budget hikes, while credit cards dropped 25% from search woes. GAAP net income hit $8.2 million; non-GAAP operating income reached $20.7 million. Efficiency gains shine. Q3 revenue guides $189-197 million.
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