{"schema_version":"secwatch.filing_event.v1","accession":"0001625278-23-000117","form_type":"8-K","ticker":"NRDS","cik":"0001625278","company_name":"NERDWALLET, INC.","filed_at":"2023-10-26T23:59:59+00:00","discovered_at":"2026-05-14T18:03:29.827874+00:00","generated_at":"2026-06-09T08:35:16.899514+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.65,"calibrated_materiality_score":0.65,"confidence":"high","headline":"NerdWallet Q3 revenue $152.8M (+7% YoY), above guidance; GAAP EPS -$0.01, adj. EBITDA $26.7M","bullets":["Revenue $152.8M, up 7% YoY and above the high-end of prior guidance.","GAAP net loss of $0.5M ($0.01 diluted loss) vs. net income of $0.7M a year ago.","Adjusted EBITDA of $26.7M; Monthly Unique Users 24M (+22% YoY).","Loans revenue $32.9M (+16% YoY) driven by personal loans; Credit cards $54.0M (-6% YoY) on cautious partner spending.","Other verticals revenue $65.9M (+16% YoY) led by banking and SMB; insurance down."],"urls":{"canonical":"https://secwatch.observer/filing/0001625278-23-000117","json":"https://secwatch.observer/filing/0001625278-23-000117.json","markdown":"https://secwatch.observer/filing/0001625278-23-000117.md","text":"https://secwatch.observer/filing/0001625278-23-000117.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1625278/000162527823000117/0001625278-23-000117-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1625278/000162527823000117/nrds-20231026.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-09T08:35:16.899514+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":"431c920a9eab13a279b1a78af98512df92b8ae6f","claim":"NERDWALLET, INC. reported third quarter ended September 30, 2023 results: revenue $152.8 million, net income $0.5 million, EPS $0.01 loss per diluted share.","evidence_excerpt":"the press release is attached hereto as Exhibit 99.1 and incorporated herein by reference. --- EX-99.1 (EX-99.1) --- NERDWALLET REPORTS THIRD QUARTER 2023 RESULTS Revenue of $152.8 million, Up 7% Year-Over-Year FINANCIAL HIGHLIGHTS • Revenue of $152.8 million • GAAP net loss of $0.5 million and $0.01 loss per diluted share • Adjusted EBITDA of $26.7 million SAN","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1625278/000162527823000117/0001625278-23-000117-index.htm","confidence":0.95,"family_label":"Earnings Releases","details":[{"label":"Period","value":"third quarter ended September 30, 2023"},{"label":"Revenue","value":"$152.8 million"},{"label":"Net income","value":"$0.5 million"},{"label":"EPS","value":"$0.01 loss 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"}