{"schema_version":"secwatch.filing_event.v1","accession":"0001625278-24-000008","form_type":"8-K","ticker":"NRDS","cik":"0001625278","company_name":"NERDWALLET, INC.","filed_at":"2024-02-14T23:59:59+00:00","discovered_at":"2026-05-14T18:03:24.852290+00:00","generated_at":"2026-06-06T02:23:31.379864+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"negative","materiality_score":0.7,"calibrated_materiality_score":0.7,"confidence":"high","headline":"NerdWallet Q4 revenue $133.7M, down 6% YoY; GAAP net loss $2.3M","bullets":["Q4 revenue $133.7M, down 6% YoY; full-year revenue $599.4M, up 11% YoY.","GAAP net loss $2.3M ($0.03/diluted share) in Q4; full-year net loss $11.8M ($0.15/share).","Non-GAAP operating income $12.6M in Q4; adjusted EBITDA $29.3M (Q4) and $97.6M (FY).","Credit cards revenue fell 18% YoY to $43.2M; loans up 5%; SMB products up 6%; emerging verts down 3%.","Average monthly unique users 24M, up 24% YoY; management cites cautious optimism for 2024 recovery."],"urls":{"canonical":"https://secwatch.observer/filing/0001625278-24-000008","json":"https://secwatch.observer/filing/0001625278-24-000008.json","markdown":"https://secwatch.observer/filing/0001625278-24-000008.md","text":"https://secwatch.observer/filing/0001625278-24-000008.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1625278/000162527824000008/0001625278-24-000008-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1625278/000162527824000008/nrds-20240214.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-06-06T02:23:31.379864+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":"3bd62b4f4ea1daeac285aced03f76e7a9f1b0ea2","claim":"NERDWALLET, INC. reported the full year ended December 31, 2023 results: revenue $599.4 million, net income $11.8 million or $0.15 loss per diluted share, EPS $(0.15) loss per diluted share.","evidence_excerpt":"REPORTS FOURTH QUARTER AND FULL YEAR 2023 RESULTS Fourth Quarter Revenue of $133.7 million, Down 6% Year-Over-Year FINANCIAL HIGHLIGHTS • Revenue of $133.7 million for Q4’23 and $599.4 million for full year 2023 • GAAP income from operations of $4.6 million for Q4’23 and $3.6 million for full year 2023 • GAAP net loss of $2.3 million or $0.03 loss per diluted share for","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1625278/000162527824000008/0001625278-24-000008-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the full year ended December 31, 2023"},{"label":"Revenue","value":"$599.4 million"},{"label":"Net income","value":"$11.8 million or $0.15 loss per diluted share"},{"label":"EPS","value":"$(0.15) loss per diluted share"},{"label":"Result","value":"reported results"}],"fact_type":"earnings_release"},{"claim_id":"af11f93ff5739861bd92a5d7beaeceecc9876eb5","claim":"NERDWALLET, INC. reported the fourth quarter ended December 31, 2023 results: revenue $133.7 million, net income $2.3 million or $0.03 loss per diluted share, EPS $(0.03) loss per diluted share.","evidence_excerpt":"NERDWALLET REPORTS FOURTH QUARTER AND FULL YEAR 2023 RESULTS Fourth Quarter Revenue of $133.7 million, Down 6% Year-Over-Year","evidence_source":"SEC 8-K Item 2.02","evidence_url":"https://www.sec.gov/Archives/edgar/data/1625278/000162527824000008/0001625278-24-000008-index.htm","confidence":0.9,"family_label":"Earnings Releases","details":[{"label":"Period","value":"the fourth quarter ended December 31, 2023"},{"label":"Revenue","value":"$133.7 million"},{"label":"Net income","value":"$2.3 million or $0.03 loss per diluted share"},{"label":"EPS","value":"$(0.03) 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"}