NASDAQ$NRDS

NerdWallet Inc · Q3 2025 earnings

Q3 2025 earnings · · After market close · Investor relations

Briefing

NerdWallet reported Q3 2025, net income of $1.1M, diluted EPS of $0.34.

For Q3 2025, NerdWallet reported net income of $1.1M, diluted EPS was $0.34. The filing discusses segment trends, liquidity, and management outlook for upcoming periods.

  • Net income $1.1M.
  • Diluted EPS $0.34.
  • NerdWallet highlights operating priorities and capital allocation.

Headline financials

Total Revenue

$215M

Previous: $191M+12.4%
EPS (adj)

$0.34

Previous: $0.00
Capital Expenditures

-$1M

Previous: -$400K-150.0%
Free Cash Flow

$25.3M

Previous: -$300K+8533.3%
Net Income

$26.3M

Previous: $100K+26200.0%
Operating Income

$34.4M

Previous: $6.6M+421.2%
Gross Profit

$200M

Previous: $174M+15.1%

Revenue & EPS history

NerdWallet · Revenue · Quarterly

$215M

Q3 2025+12.4%vs Q3 2024
Beat estimate in 10 of 14 quarters(71%)
ActualEstimate

Revenue by segment

NerdWallet · $86.9M total across 2 segments · Q3 2023

  • Credit cards
    $54M-5.9%
  • Loans
    $32.9M+15.8%

Forward guidance

The release discusses NerdWallet's outlook, capital allocation, and key risks for upcoming quarters, including guidance ranges or operating priorities where disclosed.

Tailwinds

  • NerdWallet cites demand and execution supporting the near-term outlook.
  • Liquidity and balance-sheet capacity support operations and shareholder returns.

Headwinds

  • Macro, input costs, and FX may pressure margins quarter to quarter.
  • Segment mix and one-time items can affect comparability versus prior periods.

Historical earnings impact

How earnings announcements have historically affected this stock's price.

Avg. return before/after earnings

Based on 20 quarterly earnings reports · overlaid with Q3 2025

Historical avgQ3 2025

+6.0%

Avg return

Earnings day

+4.1%

Avg return

5 days after

+4.8%

Avg return

30 days after

55%

12 / 22 earnings

Positive

+43.5%

Q3 2023

Best reaction

-28.6%

Q1 2023

Worst reaction

Earnings price reactions
QuarterReport dateReaction (Day 0)+5 days+30 days
Q1 2026+2.8%-22.8%-26.8%
Q4 2025+7.5%+11.2%-3.1%
Q3 2025-2.0%+1.5%+26.7%
Q1 2025+29.2%+40.1%+31.8%
Q4 2024-18.6%-25.0%-34.8%
Q3 2024+30.1%+25.3%+22.9%
Q2 2024-27.8%-31.8%-18.4%
Q1 2024-6.3%-8.6%-0.2%
Q4 2023+4.1%+8.0%-2.4%
Q3 2023+43.5%+65.6%+70.7%
Q2 2023-8.1%-10.1%-13.9%
Q1 2023-28.6%-33.6%-29.5%
Q4 2022+27.3%+24.0%+18.9%
Q3 2021+27.7%+26.0%+20.1%
Q3 2022+27.7%+26.0%+20.1%
Q2 2021+11.2%+12.9%+10.7%
Q2 2022+6.3%+9.3%+9.9%
Q1 2022-1.0%-20.8%+17.3%
Q1 2021-1.0%-20.8%+17.3%
Q4 2019-2.2%+3.3%-23.7%
Q4 2020-2.2%+3.3%-23.7%
Q4 2021+13.1%+6.3%+16.8%
Q3 2020
Q2 2020
Q1 2020

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