---
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"
generated_at: "2026-05-16T23:43:14.953736+00:00"
event_type: "earnings"
sentiment: "positive"
materiality_score: 0.75
calibrated_materiality_score: 0.75
confidence: "high"
source: SEC EDGAR
---

# NerdWallet Q3 revenue $215.1M (+12% YoY); GAAP EPS $0.34, non-GAAP op income $41.3M

## Summary
- 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.

## SEC filing metadata
- 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
- 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/1625278/000162527825000129/0001625278-25-000129-index.htm
- EDGAR primary document: https://www.sec.gov/Archives/edgar/data/1625278/000162527825000129/nrds-20251106.htm

## Machine-readable alternates
- HTML: https://secwatch.observer/filing/0001625278-25-000129
- JSON: https://secwatch.observer/filing/0001625278-25-000129.json
- Plain text: https://secwatch.observer/filing/0001625278-25-000129.txt

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