NRDS NERDWALLET, INC.

MIXED Impact: 6/10 8-K
Horizon days Filed Feb 25, 2026 Processed 3mo ago SEC 0001625278-26-000012
8-K Item 2.02: Earnings release
Final — all horizons settled through T+60d
NRDS ▼ -20.54% at T+60d
NEUTRAL call ✗ call lost -20.54% · α vs SPY -27.49% · entry $10.32 → $8.20
Last close $8.50 (close Jun 12) · -17.64% from $10.32 entry
Entry anchored
Feb 24, 03:59 PM ET
via Databento tick
T+1d
+7.27%
call +7.27% · α +7.81%
$11.07
settled 4mo ago
T+5d
+8.24%
call +8.24% · α +9.34%
$11.17
settled 3mo ago
T+20d
-0.87%
call -0.87% · α +4.36%
$10.23
settled 3mo ago
T+60d
-20.54%
call -20.54% · α -27.49%
$8.20
settled 26d ago

Price Chart

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Executive Summary

NerdWallet reported strong Q4 and full-year 2025 results with revenue of $225.4 million (up 23% YoY) and full-year revenue of $836.6 million (up 22% YoY). The company also announced a $100 million increase to its share repurchase program, bringing the total authorization to $225 million. Despite revenue growth, net income declined significantly year-over-year due to organic search headwinds affecting credit card and SMB products.

Key Financial Metrics

Revenue
$225.4M
+23.0% YoY
EPS
$0.19
Guidance
$224-$232 million
maintained
Free Cash Flow
$117.8M

Actionable Insight

The stock may react positively to the strong revenue growth and share buyback announcement, but traders should monitor the sustainability of growth in loans and emerging verticals while watching for continued pressure in credit cards and SMB segments. The significant decline in net income despite revenue growth warrants caution.

Key Facts

  • Q4 revenue: $225.4 million, up 23% year-over-year
  • Full-year 2025 revenue: $836.6 million, up 22% year-over-year
  • Q4 GAAP net income: $14.0 million, down 64% year-over-year
  • Loans revenue grew 141% year-over-year, emerging verticals up 57%
  • Credit cards revenue down 24% year-over-year, SMB products down 12%
  • Company increased share repurchase authorization by $100 million to $225 million total
  • Guidance for Q1 2026: revenue expected $224-$232 million (9% YoY growth at midpoint)

Financial Impact

Revenue growth of 22-23% YoY with significant segment divergence - strong growth in loans (141%) and emerging verticals (57%) offset by declines in credit cards (24%) and SMB (12%)

revenuenet incomeepsoperating income

Segment Breakdown

SegmentRevenueGrowth
Insurance$81.2M+13.0%
Credit cards$26.5M-24.0%
SMB products$22.5M-12.0%
Loans$42.3M+141.0%
Emerging verticals$52.9M+57.0%

Risk Factors

  • Continued headwinds in organic search traffic affecting core credit card and SMB products
  • Declining net income despite revenue growth suggests margin pressures
  • Over-reliance on personal loans and banking segments for growth

Market Snapshot

Exchange
Nasdaq

Documents Analyzed

This report is based on 5 SEC documents filed with EDGAR.

DocumentAccession Number
8-K Filing (Primary)0001625278-26-000012
Document: nrds-20260225.htm0001625278-26-000012
Document: 0001625278-26-000012-index-headers.html0001625278-26-000012
Document: 0001625278-26-000012-index.html0001625278-26-000012
Document: 0001625278-26-000012.txt0001625278-26-000012
2 reports for NRDS
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Type Now
Jun 11, 2026
3d ago
Institutional Cluster
NEUTRAL ★ 3/10
$8.31 awaiting T+60awaiting T+60—$8.50 (+2.35%)
Feb 25, 2026
15w ago
8-K
MIXED ★ 6/10
$10.32 $8.20▼ −20.54%▼ −27.49%$8.50 (−17.64%)
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