---
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"
generated_at: "2026-06-19T13:54:36.503409+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# NerdWallet Q4 revenue $142M (+43% YoY), beats guidance; Q1 outlook $165-170M

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1625278/000162527823000010/0001625278-23-000010-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1625278/000162527823000010/nrds-20230214.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001625278-23-000010
- JSON: https://secwatch.observer/filing/0001625278-23-000010.json
- Plain text: https://secwatch.observer/filing/0001625278-23-000010.txt

## Key facts
- Earnings Releases
  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.
  - Period: the fourth quarter ended December 31, 2022
  - Revenue: $142.0 million
  - Net income: $8.9 million
  - EPS: $0.12 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1625278/000162527823000010/0001625278-23-000010-index.htm
- Earnings Releases
  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.
  - Period: the full year ended December 31, 2022
  - Revenue: $538.9 million
  - Net income: GAAP net loss of $10.2 million
  - EPS: $0.14 per diluted share
  - Result: reported results
  source text: 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_url: https://www.sec.gov/Archives/edgar/data/1625278/000162527823000010/0001625278-23-000010-index.htm

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