{"schema_version":"secwatch.filing_event.v1","accession":"0001625278-25-000129","form_type":"8-K","ticker":"NRDS","cik":"0001625278","company_name":"NERDWALLET, INC.","filed_at":"2025-11-06T23:59:59+00:00","discovered_at":"2026-05-14T18:02:39.964715+00:00","generated_at":"2026-05-16T23:43:14.953736+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 Q3 revenue $215.1M (+12% YoY); GAAP EPS $0.34, non-GAAP op income $41.3M","bullets":["Revenue $215.1M, up 12% YoY; GAAP net income $26.3M ($0.34 diluted EPS) vs near-zero prior year.","Non-GAAP operating income $41.3M; Adjusted EBITDA $53.6M.","Loans revenue $39.6M (+66% YoY) driven by personal and mortgage loans; emerging verticals $46.9M (+83%).","Credit cards revenue $34.1M (-25% YoY) and SMB products $23.6M (-15%) due to organic search headwinds.","Intentional underspend on brand marketing by $8M; expect to normalize in Q4."],"urls":{"canonical":"https://secwatch.observer/filing/0001625278-25-000129","json":"https://secwatch.observer/filing/0001625278-25-000129.json","markdown":"https://secwatch.observer/filing/0001625278-25-000129.md","text":"https://secwatch.observer/filing/0001625278-25-000129.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1625278/000162527825000129/0001625278-25-000129-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1625278/000162527825000129/nrds-20251106.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T23:43:14.953736+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"}