NRDS
NerdWallet, Inc.13.98
+0.33+2.42%
Dec 16, 4:00:00 PM EST
Earnings Call Transcripts
This Quarter (Q1 '26)
No earnings call transcript available yet
Last Quarter (Q4 '25)
No earnings call transcript available
Key Stats
Market Cap
1.06BP/E (TTM)
14.87Basic EPS (TTM)
0.94Dividend Yield
0%Recent Filings
10-K
FY2025 results
NerdWallet drove FY2025 revenue to $837M, up 22% y/y, with Q4 momentum from insurance (+47% y/y to $281M), loans (+58% y/y to $133M, including NDL acquisition), and emerging verticals (+51% y/y to $189M)—yet credit cards dropped 24% y/y to $133M amid search headwinds. Operating income hit $65M (8% margin), non-GAAP operating income $96M (11% margin), and adjusted EBITDA $145M (17% margin) as sales/marketing rose 24% but R&D fell 19% post-restructuring. Cash swelled to $98M on $132M operating cash flow; repurchased $70M in shares (5.8M shares). Q4 accelerated Loans via 33% mortgage growth and 85% personal loans surge (derived). Solid liquidity, $125M revolver untapped. Search algorithm shifts threaten traffic.
8-K
Q4 revenue up 23%
NerdWallet posted Q4 revenue of $225.4 million, up 23% year-over-year, driven by 141% loans growth and 57% emerging verticals surge, yet credit cards and SMB dipped on search woes. Full-year revenue hit $836.6 million with GAAP net income of $48.7 million. Board boosted share repurchases by $100 million to $225 million total. Q1 revenue guidance: $224-232 million.
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.
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