{"schema_version":"secwatch.filing_event.v1","accession":"0001625278-24-000140","form_type":"8-K","ticker":"NRDS","cik":"0001625278","company_name":"NERDWALLET, INC.","filed_at":"2024-07-31T23:59:59+00:00","discovered_at":"2026-05-14T18:03:13.854042+00:00","generated_at":"2026-05-31T14:24:24.608858+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 Q2 revenue $150.6M up 5% YoY but misses non-GAAP operating income guidance","bullets":["Revenue $150.6M, up 5% YoY; GAAP net loss $9.4M ($0.12 loss per diluted share).","Adjusted EBITDA $14.3M; non-GAAP operating loss $2.7M (missed guidance due to organic search headwinds).","Credit cards revenue down 10% YoY to $46.1M; loans down 6% to $21.7M; emerging verticals up 25% to $56.7M.","Average monthly unique users 23M, up 7% YoY."],"urls":{"canonical":"https://secwatch.observer/filing/0001625278-24-000140","json":"https://secwatch.observer/filing/0001625278-24-000140.json","markdown":"https://secwatch.observer/filing/0001625278-24-000140.md","text":"https://secwatch.observer/filing/0001625278-24-000140.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1625278/000162527824000140/0001625278-24-000140-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1625278/000162527824000140/nrds-20240731.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-31T14:24:24.608858+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":[],"license":"Source filings: public domain (SEC EDGAR). Summaries (headline + bullets): CC-BY-4.0; attribute https://secwatch.observer"}