{"schema_version":"secwatch.filing_event.v1","accession":"0001625278-26-000012","form_type":"8-K","ticker":"NRDS","cik":"0001625278","company_name":"NERDWALLET, INC.","filed_at":"2026-02-25T23:59:59+00:00","discovered_at":"2026-05-14T18:02:35.673119+00:00","generated_at":"2026-05-16T00:19:29.353876+00:00","sec_items":["2.02","7.01","9.01"],"event_type":"earnings","sentiment":"neutral","materiality_score":0.75,"calibrated_materiality_score":0.75,"confidence":"high","headline":"NerdWallet Q4 revenue $225.4M (+23% YoY); GAAP net income $14.0M, down 64%","bullets":["Q4 revenue $225.4M (+23% YoY); full-year 2025 revenue $836.6M (+22% YoY).","GAAP net income $14.0M ($0.19 diluted EPS) vs $38.6M ($0.51) in Q4 2024.","Adjusted EBITDA $36.7M in Q4, $145.0M for full year 2025.","Loans revenue $42.3M (+141% YoY); Emerging Verticals $52.9M (+57%); Credit Cards $26.5M (-24%); SMB $22.5M (-12%).","CEO cites organic search headwinds offset by strength in performance marketing, direct, and non-search channels."],"urls":{"canonical":"https://secwatch.observer/filing/0001625278-26-000012","json":"https://secwatch.observer/filing/0001625278-26-000012.json","markdown":"https://secwatch.observer/filing/0001625278-26-000012.md","text":"https://secwatch.observer/filing/0001625278-26-000012.txt","edgar_index":"https://www.sec.gov/Archives/edgar/data/1625278/000162527826000012/0001625278-26-000012-index.htm","edgar_primary_document":"https://www.sec.gov/Archives/edgar/data/1625278/000162527826000012/nrds-20260225.htm"},"model":{"generated_by":"deepseek-v4-flash:cloud@v2","generated_at":"2026-05-16T00:19:29.353876+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"}