---
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"
generated_at: "2026-06-22T14:11:06.834806+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# NerdWallet Q3 revenue $142.6M (+45% YoY), GAAP net income $0.7M, Q4 rev guidance $138-141M

## Summary
- 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.

## SEC filing metadata
- 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
- event_type: earnings
- sentiment: positive
- materiality_score: 0.75
- calibrated_materiality_score: 0.75
- confidence: high
- sec_items: 2.02, 7.01, 9.01
- 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

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001625278-22-000169
- JSON: https://secwatch.observer/filing/0001625278-22-000169.json
- Plain text: https://secwatch.observer/filing/0001625278-22-000169.txt

## Key facts
- Earnings Releases
  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.
  - Period: third quarter ended September 30, 2022
  - Revenue: $142.6 million
  - Net income: $0.7 million
  - EPS: $0.01 net income per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1625278/000162527822000169/0001625278-22-000169-index.htm

This AI-assisted summary is a reading aid. Review the linked SEC EDGAR filing before relying on any specific claim.