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NerdWallet reported Q3 revenue of $240 million, up 11% year-over-year and below $244 to $260 million guidance, as auto insurance revenue declined $17 million. Full-year NGOI guidance is $85 to $91 million.
NerdWallet reported third-quarter revenue of $239.6 million, up 11% year-over-year, GAAP net income of $14.9 million, diluted income per share of $0.23, and adjusted EBITDA of $39.8 million.
NerdWallet reported revenue increased $24.5 million, or 11%, for the three months ended September 30, 2026, while income from operations fell $15.0 million, or 44%, as sales and marketing expenses rose $37.9 million, or 28%.
Useful current figures from the complete screener profile.
* Q4 derived as the full year minus Q1 to Q3.
TL;DR. Revenue increased 11%, consumer revenue increased 12%, SMB revenue increased 6%, and trailing-12-month adjusted free cash flow rose 51%; management expects revenue growth in 2027. However, revenue missed guidance, auto-insurance revenue declined, GAAP and non-GAAP profitability declined, sales and marketing expense rose 28%, Q4 revenue is guided down 13% at the midpoint, cash and cash equivalents fell 39%, Q1 2027 faces a difficult comparison, and investments create a $15 million-$20 million full-year non-GAAP operating income headwind.
AI-generated from the earnings call and 8-K · may contain errors · not investment advice
Blended from price, momentum, positioning, fundamentals & volatility · daily-close · not investment advice. Market backdrop is context, not part of the score.
Still-open targets the latest release did not restate under the same label.
Guidance from company 8-Ks · delivered figures from as-reported statements · no analyst estimates involved.
Illustrative technical + ownership context — a signal mix, not investment advice.
| Metric | Latest | Period | YoY |
|---|---|---|---|
| Adjusted EBITDA non-GAAP | $68.3M | Six Months Ended June 30 | — |
GAAP → non-GAAP reconciliationGAAP Net Income 24.7M
+19M Depreciation and amortization
+13.9M Stock-based compensation
+0M Acquisition-related retention
+1.1M Acquisition-related expenses
+0M Loss on disposal of assets
+0.1M Restructuring
-1M Interest income, net
-0.1M Other gains, net
+10.6M Income tax provision
= Adjusted EBITDA 68.3M
|
|||
| Adjusted EBITDA margin non-GAAP | 12% | the three months ended June 30, 2026 filing | — |
| Adjusted free cash flow non-GAAP | $141.2M | Twelve Months Ended June 30 | — |
GAAP → non-GAAP reconciliationGAAP Net cash provided by operating activities 164.3M
-16.2M Capitalized software development costs
-0.9M Purchases of property and equipment
-6M Net borrowing (repayment) on warehouse line of credit
= Adjusted free cash flow 141.2M
|
|||
| Non-GAAP Operating Income non-GAAP | $45.9M | Six Months Ended June 30 | — |
GAAP → non-GAAP reconciliationGAAP Income from Operations 34.2M
+19M Depreciation and amortization
+0M Acquisition-related retention
+1.1M Acquisition-related expenses
+0M Loss on disposal of assets
+0.1M Restructuring
-8.5M Capitalized internally developed software costs
= Non-GAAP Operating Income 45.9M
|
|||
| Non-GAAP operating income margin non-GAAP | 6% | the three months ended June 30, 2026 filing | — |
Figures exactly as the company stated them in writing · click a metric with a to chart its history · period links open the stating document · "filing" marks figures stated in the 10-K/10-Q · YoY needs an exactly comparable prior-year period
| Company | Mkt cap | YTD | Rev growth Y/Y | P/E | Short % shares |
|---|---|---|---|---|---|
|
NRDS
this stock
Nerdwallet, Inc.
|
$472.94M | -44.9% | +21.7% | 9.6 | 7.1% |
|
GOOGL
Alphabet Inc.
|
$3.64T | -5.5% | +15.1% | 15.4 | 0.7% |
|
META
Meta Platforms, Inc.
|
$1.64T | -2.8% | +47.1% | 21.9 | 3.0% |
|
SPOT
Spotify Technology S.A.
|
$125.91B | +5.5% | — | — | 1.5% |
|
NBIS
Nebius Group N.V.
|
$33.94B | +38.4% | +479.0% | — | 17.4% |
Peers by industry group · P/E from as-reported trailing EPS · short % is of shares outstanding
NerdWallet reported revenue increased $24.5 million, or 11%, for the three months ended September 30, 2026, while income from operations fell $15.0 million, or 44%, as sales and marketing expenses rose $37.9 million, or 28%.
View| 5D | 20D | 120D | MTD | YTD | |
|---|---|---|---|---|---|
| NRDS | -5.5% | -25.6% | -9.6% | -33.3% | -44.9% |
| SPY | +2.6% | -1.2% | +0.5% | -0.2% | +10.6% |
| vs SPY | -8.0% | -24.4% | -10.1% | -33.1% | -55.6% |
Dividends per share over the trailing 365 days by ex-date · buyback figures as last reported in SEC filings ("spent" derived as authorized − remaining; when several programs run concurrently, authorized is their combined total per the newest filing) · components shown separately — trailing-year buyback spend isn't tracked, so no combined shareholder yield is derived.
