{"schema_version":"secwatch.filing_event.v1","accession":"0001625278-22-000169","form_type":"8-K","ticker":"NRDS","cik":"0001625278","company_name":"NERDWALLET, INC.","filed_at":"2022-11-02T23:59:59+00:00","discovered_at":"2026-05-14T18:03:51.481436+00:00","generated_at":"2026-06-22T14:11:06.834806+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"positive","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"NerdWallet Q3 revenue $142.6M (+45% YoY), GAAP net income $0.7M, Q4 rev guidance $138-141M","bullets":["Revenue $142.6M, up 45% YoY; GAAP net income $0.7M vs. loss of $7.8M in Q3 2021.","Credit cards revenue $57.4M (+59%), Loans $28.4M (-12% due to mortgage headwinds), Other verticals $56.8M (+87% from SMB/banking).","Adjusted EBITDA $14.5M, down 31% YoY but up 15% QoQ; Q4 guidance: rev $138-141M, EBITDA $26-28M.","Monthly Unique Users 19M (+11% YoY); growth driven by banking, travel, SMB; mortgage/investing declined.","2022 annual Adjusted EBITDA margin expected ~12%, up ~5pp YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001625278-22-000169","json":"https://secwatch.observer/filing/0001625278-22-000169.json","markdown":"https://secwatch.observer/filing/0001625278-22-000169.md","text":"https://secwatch.observer/filing/0001625278-22-000169.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1625278/000162527822000169/0001625278-22-000169-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1625278/000162527822000169/nrds-20221102.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-22T14:11:06.834806+00:00"},"review":{"review_status":"machine_generated","human_reviewed":false,"corrected":false,"correction_note":null,"correction_timestamp":null,"superseded_by":null,"related_filings":[]},"source_grounded_claims":[{"claim_id":"6bd7fb92fc49f5e597011d1e93ae25889d7cfe79","claim":"NERDWALLET, INC. reported third quarter ended September 30, 2022 results: revenue $142.6 million, net income $0.7 million, EPS $0.01 net income per diluted share.","evidence_excerpt":"NERDWALLET REPORTS THIRD QUARTER 2022 RESULTS Revenue of $142.6 million, Up 45% Year-Over-Year FINANCIAL HIGHLIGHTS • Revenue of $142.6 million • GAAP net income of $0.7 million and $0.01 net income per diluted share","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1625278/000162527822000169/0001625278-22-000169-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter ended September 30, 2022"},{"label":"Revenue","value":"$142.6 million"},{"label":"Net income","value":"$0.7 million"},{"label":"EPS","value":"$0.01 net income per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"}],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}