NERDWALLET, INC.(NRDS)— Stock Profile, AI Score & Financials
Technology · Nasdaq · AI-powered stock analysis, 32-signal quality score, SEC EDGAR financials, and institutional holdings. Updated .
NERDWALLET, INC. (NRDS) stock profile, AI quality score, and SEC EDGAR financial data, a Technology sector company. 13F Pro's AI-powered ranking engine scores NRDS at 63.4/100 on a 32-signal composite quality model, placing it at rank #634 of 2,962 stocks — the top 25% of the AI-ranked universe. NRDS scores in the top quartile across balance sheet strength (92.5), revenue growth (78.5), earnings quality (76.2). Areas of concern include institutional flow (4.6), which score below median versus the broader universe. Shareholder dilution risk is elevated at 30.2/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q2 2026), NERDWALLET, INC. reports quarterly revenue of $197.3M, net income of $4.3M, free cash flow of $41.1M. Top institutional holders of NRDS by reported 13-F value include Topline Capital Management, BlackRock, ARROWSTREET CAPITAL, LIMITED PARTNERSHIP, based on the most recent SEC filings. NRDS trades on the Nasdaq exchange and files with the SEC under CIK 1625278. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate NRDS daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for NERDWALLET, INC. directly from SEC EDGAR.
AI Quality Score
63.4/100
AI Rank
#634
Revenue
$197.3M
Net Income
$4.3M
Free Cash Flow
$41.1M
NRDS key financials by period
NERDWALLET, INC. reported revenue, net income and margins by fiscal period, from SEC filings.
Period
Form
Revenue
Net income
Operating margin
FY 2025
10-K
$836.6M
$48.7M
7.8%
FY 2024
10-K
$687.6M
$30.4M
1.4%
FY 2023
10-K
$599.4M
$-11.8M
0.6%
FY 2022
10-K
$538.9M
$-10.2M
-3.5%
FY 2021
10-K
$379.6M
$-42.5M
-10.3%
FY 2020
10-K
$245.3M
$5.3M
0.8%
Institutions holding NRDS
Institutional investors reporting a position in NERDWALLET, INC. on SEC Form 13F.
AI-extracted from the 10-Q filed 2026-08-06 — Q2 FY2026 (quarter ended June 30, 2026). Every figure is machine-verified against the filing text on SEC EDGAR.
NerdWallet grew Q2 revenue 6% YoY to $197.3M, but operating income fell 35% to $7.0M as performance marketing spend surged 30%.
Biggest Revenue Drivers
Consumer$175.2M+8% YoY
Growth from deposit accounts as partners expanded budgets and personal loans as marketplace offerings broadened, partially offset by lower consumer credit cards due to organic search traffic pressure
SMB$22.1M-11% YoY
Continued pressures in organic search traffic, partially offset by increases in business loan originations
Biggest Revenue Drivers
Total revenue: $197.3M+6% YoY
Consumer$175.2M+8% YoY
Growth from deposit accounts as partners expanded budgets and personal loans as marketplace offerings broadened, partially offset by lower consumer credit cards due to organic search traffic pressure
SMB$22.1M-11% YoY
Continued pressures in organic search traffic, partially offset by increases in business loan originations
Largest Expense Items
Sales and marketing$145.4M+14% YoY
Performance marketing expense increased $26.6M, partially offset by a $9.2M decrease in other marketing due to lower brand marketing expenses
General and administrative$14.0M+1% YoY
Modest increase in expenses
Research and development$17.5M-2% YoY
Slight decrease in expense
Cost of revenue$13.4M-19% YoY
Decrease in amortization expense related to capitalized software development costs
Margins: Operating margin declined to 4% from 6% YoY as sales and marketing expense grew faster than revenue; non-GAAP operating income fell 41% to $12.2M and adjusted EBITDA fell 31% to $23.1M.
Watch Items from the Filing
SMB revenue declined 11% YoY to $22.1M, continuing a multi-quarter organic search traffic pressure trend also affecting consumer credit cards (-$8.6M).
Performance marketing expense rose $26.6M (30%) YoY to $116.1M, now 80% of sales and marketing spend, outpacing revenue growth.
Company repurchased $23.0M of stock in Q2 (8.7M shares/$89.2M YTD) and increased the buyback authorization by $100M in February 2026; $67.0M remains authorized.
Acquired College Finance Company (student loan marketplace) for $17.2M cash in February 2026, adding $12.9M of goodwill; contribution to revenue was not material.
Effective tax rate spiked to 41.2% in Q2 2026 from 28.9% in Q2 2025, contributing to a 48% YoY decline in net income to $4.3M.
AI-extracted and verified against SEC EDGAR filing text. Not investment advice.
