{"schema_version":"secwatch.filing_event.v1","accession":"0001625278-23-000010","form_type":"8-K","ticker":"NRDS","cik":"0001625278","company_name":"NERDWALLET, INC.","filed_at":"2023-02-14T23:59:59+00:00","discovered_at":"2026-05-14T18:03:45.905707+00:00","generated_at":"2026-06-19T13:54:36.503409+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 Q4 revenue $142M (+43% YoY), beats guidance; Q1 outlook $165-170M","bullets":["Q4 revenue $142.0M (+43% YoY); GAAP net income $8.9M ($0.12 diluted EPS); Adj. EBITDA $31.0M.","FY2022 revenue $538.9M (+42% YoY); GAAP net loss $10.2M; Adj. EBITDA $67.1M (+148% YoY).","Credit cards rev $53.1M (+52%); loans $22.4M (-24% on mortgage headwinds); other verticals $66.5M (+90%).","Q1 2023 guide: revenue $165-170M (30% YoY growth at midpoint); Adj. EBITDA $17-19M; expects annual margin expansion.","Ended Q4 with $83.9M cash; repaid $70M credit facility draw, no outstanding debt."],"urls":{"canonical":"https://secwatch.observer/filing/0001625278-23-000010","json":"https://secwatch.observer/filing/0001625278-23-000010.json","markdown":"https://secwatch.observer/filing/0001625278-23-000010.md","text":"https://secwatch.observer/filing/0001625278-23-000010.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1625278/000162527823000010/0001625278-23-000010-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1625278/000162527823000010/nrds-20230214.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-19T13:54:36.503409+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":"2c8f58707da488929568984c24a76b0e9c5e9012","claim":"NERDWALLET, INC. reported the fourth quarter ended December 31, 2022 results: revenue $142.0 million, net income $8.9 million, EPS $0.12 per diluted share.","evidence_excerpt":"hereto as Exhibit 99.1 and incorporated herein by reference. --- EX-99.1 (EX-99.1) --- NERDWALLET REPORTS FOURTH QUARTER AND FULL YEAR 2022 RESULTS Fourth Quarter Revenue of $142.0 million, Up 43% Year-Over-Year FINANCIAL HIGHLIGHTS • Revenue of $142.0 million for Q4’22 and $538.9 million for full year 2022 • GAAP net income of $8.9 million or $0.12 per diluted","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1625278/000162527823000010/0001625278-23-000010-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter ended December 31, 2022"},{"label":"Revenue","value":"$142.0 million"},{"label":"Net income","value":"$8.9 million"},{"label":"EPS","value":"$0.12 per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"f78bf62e88faa9fc67b1140032f7e8e9a3d975d6","claim":"NERDWALLET, INC. reported the full year ended December 31, 2022 results: revenue $538.9 million, net income GAAP net loss of $10.2 million, EPS $0.14 per diluted share.","evidence_excerpt":"REPORTS FOURTH QUARTER AND FULL YEAR 2022 RESULTS Fourth Quarter Revenue of $142.0 million, Up 43% Year-Over-Year FINANCIAL HIGHLIGHTS • Revenue of $142.0 million for Q4’22 and $538.9 million for full year 2022 • GAAP net income of $8.9 million or $0.12 per diluted share for Q4’22 and GAAP net loss of $10.2 million or $0.14 per diluted share for full year 2022 •","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1625278/000162527823000010/0001625278-23-000010-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the full year ended December 31, 2022"},{"label":"Revenue","value":"$538.9 million"},{"label":"Net income","value":"GAAP net loss of $10.2 million"},{"label":"EPS","value":"$0.14 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"}