NRDS - NERDWALLET, INC.

📈 Is growth accelerating? 7 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Revenue Growth YoY (%)	5.6% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-54%)	6.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-48%)	22.6% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+89%)	12.4% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: At sector avg	24.1% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+101%)	29.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+143%)	37.5% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+212%)	25.2% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+110%)	5.1% Fair ↑ Fair Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-58%)	-4.5% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-138%)	-5.8% Weak ↓ Weak Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-149%)	7.2% Fair ↓ Fair Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Below avg (-40%)	14.5% Good ↓ Good Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+20%)	31.4% Excellent ↓ Excellent Declining Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+161%)	42.7% Excellent → Excellent Stable Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+256%)	44.8% Excellent ↑ Excellent Improving Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+273%)	36.7% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+206%)	43.4% Excellent Excellent Year-over-year change in total revenue Optimal: > 10% vs Sector: Above avg (+262%)	—	—	—	—	—	—	—
EPS Growth YoY (%)	-36.4% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	-60.8% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	—	N/M	N/M	N/M	100.0% Excellent ↑ Excellent Improving Year-over-year change in earnings per share Optimal: > 10%	14.3% Fair Fair Year-over-year change in earnings per share Optimal: > 10%	-50.0% Weak Weak Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	0.0% Caution Caution Year-over-year change in earnings per share Optimal: > 10%	N/M	N/M	N/M	50.0% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	40.7% Excellent Excellent Year-over-year change in earnings per share Optimal: > 10%	—	—	—	—	—	—	—
Net Income Growth YoY (%)	10100.0% Excellent ↑ Excellent Improving Year-over-year change in net income	10100.0% Excellent ↑ Excellent Improving Year-over-year change in net income	-63.7% Weak ↑ Weak Improving Year-over-year change in net income	-81.8% Weak → Weak Stable Year-over-year change in net income	-81.8% Weak ↓ Weak Declining Year-over-year change in net income	-81.8% Weak ↓ Weak Declining Year-over-year change in net income	N/M	-35.3% Weak → Weak Stable Year-over-year change in net income	-35.3% Weak Weak Year-over-year change in net income	-35.3% Weak Weak Year-over-year change in net income	N/M	N/M	N/M	N/M	N/M	18.6% Good → Good Stable Year-over-year change in net income	18.6% Good Good Year-over-year change in net income	18.6% Good Good Year-over-year change in net income	—	—	—	—	—	—	—
FCF Growth YoY (%)	—	44.9% Excellent Excellent Year-over-year change in free cash flow	—	—	—	21.5% Good Good Year-over-year change in free cash flow	—	—	—	38.4% Excellent Excellent Year-over-year change in free cash flow	—	—	—	N/M	—	—	—	94.3% Excellent Excellent Year-over-year change in free cash flow	—	—	—	—	—	—	—
Revenue CAGR 3Y (%)	11.2% Good ↓ Good Declining Compound annual revenue growth over 3 years	9.4% Fair ↓ Fair Declining Compound annual revenue growth over 3 years	16.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	14.7% Good ↓ Good Declining Compound annual revenue growth over 3 years	14.3% Good ↓ Good Declining Compound annual revenue growth over 3 years	17.5% Excellent ↓ Excellent Declining Compound annual revenue growth over 3 years	22.7% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	24.8% Excellent ↑ Excellent Improving Compound annual revenue growth over 3 years	18.0% Excellent Excellent Compound annual revenue growth over 3 years	21.6% Excellent Excellent Compound annual revenue growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
Revenue CAGR 5Y (%)	16.6% Excellent Excellent Compound annual revenue growth over 5 years	19.8% Excellent Excellent Compound annual revenue growth over 5 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—
EPS CAGR 3Y (%)	—	146.6% Excellent ↑ Excellent Improving Compound annual EPS growth over 3 years	12.6% Good Good Compound annual EPS growth over 3 years	227.1% Excellent Excellent Compound annual EPS growth over 3 years	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—

💰 Are margins durable? 5 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Operating Margin (%) (%)	3.5% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-82%)	12.2% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	8.6% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-57%)	16.0% Fair ↑ Fair Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-20%)	5.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-71%)	0.3% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-98%)	4.7% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-76%)	3.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	-6.4% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-132%)	2.3% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-89%)	3.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-83%)	2.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-87%)	-2.9% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-115%)	-0.5% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-102%)	5.6% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-72%)	-6.2% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-131%)	-7.2% Weak ↓ Weak Declining Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-136%)	-7.0% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-135%)	-9.4% Weak ↑ Weak Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-147%)	6.4% Caution ↑ Caution Improving Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-68%)	-24.8% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-224%)	-14.7% Weak Weak Operating income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-173%)	—	—	—
Effective Tax Rate (%) (%)	41.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	27.1% Caution → Caution Stable Actual taxes paid relative to pre-tax income Optimal: 15-25%	29.6% Caution ↓ Caution Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	25.9% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	28.7% Caution ↑ Caution Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	84.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-5414.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	98.7% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-13.3% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	77.1% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	143.4% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	110.6% Weak ↓ Weak Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-197.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	1800.0% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-17.1% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	107.6% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	-2.2% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	-12.9% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	2.5% Excellent ↓ Excellent Declining Actual taxes paid relative to pre-tax income Optimal: 15-25%	234.5% Weak ↑ Weak Improving Actual taxes paid relative to pre-tax income Optimal: 15-25%	36.2% Weak Weak Actual taxes paid relative to pre-tax income Optimal: 15-25%	5.1% Excellent Excellent Actual taxes paid relative to pre-tax income Optimal: 15-25%	—	—	—
Profit Margin (%) (%)	10.3% Fair ↑ Fair Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-31%)	9.2% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-39%)	6.2% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-59%)	0.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-99%)	0.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-99%)	0.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-99%)	21.0% Excellent ↑ Excellent Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Above avg (+40%)	0.6% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-96%)	0.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-95%)	0.7% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-95%)	-1.7% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-111%)	1.1% Weak ↓ Weak Declining Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	1.2% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-92%)	1.0% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-93%)	6.3% Caution ↑ Caution Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-58%)	-7.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-149%)	-8.4% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-156%)	-8.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-154%)	-7.9% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-153%)	-13.1% Weak ↑ Weak Improving Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-187%)	-14.1% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-194%)	-14.3% Weak Weak Net income as a percentage of revenue Optimal: > 15% vs Sector: Below avg (-196%)	—	—	—
FCF Margin (%) (%)	20.8% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	15.9% Good ↓ Good Declining Free cash flow as a percentage of revenue Optimal: > 10%	17.1% Good → Good Stable Free cash flow as a percentage of revenue Optimal: > 10%	22.5% Excellent ↑ Excellent Improving Free cash flow as a percentage of revenue Optimal: > 10%	—	12.7% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	5.3% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	—	—	14.0% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	22.0% Excellent Excellent Free cash flow as a percentage of revenue Optimal: > 10%	—	—	9.5% Caution Caution Free cash flow as a percentage of revenue Optimal: > 10%	13.9% Fair Fair Free cash flow as a percentage of revenue Optimal: > 10%	—	—	-0.2% Weak ↓ Weak Declining Free cash flow as a percentage of revenue Optimal: > 10%	7.1% Caution ↑ Caution Improving Free cash flow as a percentage of revenue Optimal: > 10%	16.5% Good ↑ Good Improving Free cash flow as a percentage of revenue Optimal: > 10%	-16.0% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	-4.2% Weak Weak Free cash flow as a percentage of revenue Optimal: > 10%	—	—	—
FCF / Net Income (x)	2.01x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	1.73x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	2.76x Excellent ↓ Excellent Declining Free cash flow relative to reported net income Optimal: > 1x	242.00x Excellent ↑ Excellent Improving Free cash flow relative to reported net income Optimal: > 1x	—	132.50x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	0.25x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	20.64x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	-12.78x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	9.47x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	2.22x Excellent Excellent Free cash flow relative to reported net income Optimal: > 1x	—	—	0.03x Weak ↑ Weak Improving Free cash flow relative to reported net income Optimal: > 1x	-0.90x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	-1.26x Weak ↓ Weak Declining Free cash flow relative to reported net income Optimal: > 1x	1.14x Fair Fair Free cash flow relative to reported net income Optimal: > 1x	0.29x Weak Weak Free cash flow relative to reported net income Optimal: > 1x	—	—	—

🎯 Is capital allocation efficient? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Return on Invested Capital (%)	1.3% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	5.9% Caution ↑ Caution Improving Return earned on debt + equity capital invested Optimal: > 10%	3.6% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	6.3% Caution ↓ Caution Declining Return earned on debt + equity capital invested Optimal: > 10%	2.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	0.0% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	131.7% Excellent ↑ Excellent Improving Return earned on debt + equity capital invested Optimal: > 10%	0.0% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-2.9% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	0.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-0.5% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-0.1% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	-3.4% Weak ↓ Weak Declining Return earned on debt + equity capital invested Optimal: > 10%	3.8% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	2.7% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	0.2% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-3.5% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-4.0% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-3.6% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-16.0% Weak ↑ Weak Improving Return earned on debt + equity capital invested Optimal: > 10%	-26.6% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	-20.4% Weak Weak Return earned on debt + equity capital invested Optimal: > 10%	—	—	—
Return on Capital (%) (%)	1.7% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	6.3% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	4.2% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	7.0% Caution ↑ Caution Improving Operating profit relative to total assets Optimal: > 10%	2.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	0.1% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	2.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	1.6% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.2% Weak ↓ Weak Declining Operating profit relative to total assets Optimal: > 10%	0.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	1.0% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-1.0% Weak → Weak Stable Operating profit relative to total assets Optimal: > 10%	-0.2% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	—	-1.8% Weak ↑ Weak Improving Operating profit relative to total assets Optimal: > 10%	-2.6% Weak Weak Operating profit relative to total assets Optimal: > 10%	-2.4% Weak Weak Operating profit relative to total assets Optimal: > 10%	—	—	—	—	—	—	—
Return on Common Equity (%) (%)	6.3% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-66%)	6.1% Caution ↑ Caution Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-67%)	3.7% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-80%)	0.0% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-100%)	0.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-100%)	0.1% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-100%)	10.6% Fair ↑ Fair Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-43%)	0.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-98%)	0.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-98%)	0.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-98%)	-0.6% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-103%)	0.5% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	0.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	0.5% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-97%)	2.6% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-86%)	-3.3% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-118%)	-4.0% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-122%)	-4.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-122%)	-3.1% Weak ↑ Weak Improving Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-117%)	-24.4% Weak ↓ Weak Declining Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-232%)	-23.7% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-228%)	-21.0% Weak Weak Profit generated per dollar of shareholder equity Optimal: > 15% vs Sector: Below avg (-213%)	—	—	—

⚖️ Is the balance sheet risky? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Debt to Equity (x)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	0.22x Excellent Excellent Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-51%)	—	—	—	—	—	—	0.37x Good Good Total debt relative to shareholder equity Optimal: < 0.6x vs Sector: Below avg (-19%)	—	—
Interest Coverage (x)	—	90.67x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	194.00x Excellent Excellent Operating income divided by interest expense Optimal: > 5x	—	—	7.00x Good Good Operating income divided by interest expense Optimal: > 5x	—	—	—	18.50x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	—	20.00x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	-21.00x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-4.00x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	7.18x Good ↑ Good Improving Operating income divided by interest expense Optimal: > 5x	-9.78x Weak ↑ Weak Improving Operating income divided by interest expense Optimal: > 5x	-45.00x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-45.50x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	-47.00x Weak ↓ Weak Declining Operating income divided by interest expense Optimal: > 5x	15.75x Excellent ↑ Excellent Improving Operating income divided by interest expense Optimal: > 5x	-56.75x Weak Weak Operating income divided by interest expense Optimal: > 5x	-44.00x Weak Weak Operating income divided by interest expense Optimal: > 5x	—	—	—
Net Debt (USD)	$-62.00M	$-56.30M	$-98.30M	$-120.60M	$-105.30M	$-92.20M	$-66.30M	$-71.70M	$-113.80M	$-110.90M	—	$-86.60M	$-67.10M	$-100.80M	—	$-68.40M	$-125.80M	$-161.60M	—	—	—	—	$-53.20M	—	—
Debt / EBITDA (x)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	-7.95x Excellent Excellent Debt relative to earnings before interest, taxes, depreciation Optimal: < 2x	—	—	—	—	—	—	—	—	—

📊 What does each share earn? 6 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Revenue per Share (USD)	$3.03	$3.26	—	$2.84	$2.50	$2.82	—	$2.47	$1.93	$2.10	—	$1.97	$1.87	$2.24	—	$1.94	$1.86	$1.93	—	$1.98	$1.86	$1.86	—	—	—
Basic EPS, GAAP (USD)	$0.07	$0.30	$0.20	$0.35	$0.11	$0.00	$0.51	$0.00	$-0.12	$0.01	$-0.03	$-0.01	$-0.14	$0.02	$0.14	$0.01	$-0.14	$-0.16	$-0.12	$-0.16	$-0.28	$-0.27	—	—	—
Free Cash Flow per Share (USD)	$0.63	$0.52	—	$0.64	—	$0.36	—	—	—	$0.29	—	—	—	$0.21	—	—	—	$-0.00	—	$0.33	$-0.30	$-0.08	—	—	—
Book Value per Share (USD)	$5.10	$5.11	$5.25	$5.38	$5.18	$4.99	$4.91	$4.36	$4.84	$4.87	—	$4.73	$4.71	$4.72	—	$4.29	$3.84	$3.80	—	$1.06	$1.11	$1.27	$1.69	—	—
Tangible Book Value per Share (USD)	$2.97	$3.04	$3.52	$3.84	$3.64	$3.48	$3.40	$2.84	$3.42	$3.44	—	$3.28	$3.27	$3.26	—	$2.80	$3.21	$3.15	—	$1.06	$1.11	$1.27	$0.80	—	—
Basic Weighted Avg Shares (shares)	65.10M	68.20M	—	75.70M	74.80M	74.20M	—	77.40M	77.90M	77.20M	—	77.50M	76.80M	75.80M	—	73.40M	67.40M	66.90M	—	49.80M	49.30M	48.50M	—	—	—

🏦 How resilient is the balance sheet? 3 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Working Capital (USD)	$124.40M	$126.10M	$173.80M	$200.70M	$169.40M	$151.50M	$136.60M	$127.20M	$176.10M	$170.40M	—	$149.80M	$146.20M	$138.80M	—	$161.90M	$152.40M	$176.10M	—	—	—	—	$105.40M	—	—
LT Debt (USD)	—	—	—	—	—	—	—	—	—	—	—	—	—	—	—	$70.00M	—	—	—	—	—	—	$30.20M	—	—
Total Equity (USD)	$325.80M	$336.20M	$374.50M	$402.40M	$390.00M	$371.60M	$364.20M	$322.40M	$379.40M	$378.70M	$366.90M	$364.20M	$365.00M	$361.80M	$341.70M	$318.60M	$263.50M	$255.40M	$257.60M	$52.80M	$54.50M	$61.50M	$82.70M	$8.00M	$-20.20M

📋 What is driving earnings? 4 metrics

Metric	Q2 FY2026 Jun 30, 2026 10-Q ↗	Q1 FY2026 Mar 31, 2026 10-Q ↗	Q4 FY2025 Dec 31, 2025 10-K ↗	Q3 FY2025 Sep 30, 2025 10-Q ↗	Q2 FY2025 Jun 30, 2025 10-Q ↗	Q1 FY2025 Mar 31, 2025 10-Q ↗	Q4 FY2024 Dec 31, 2024 10-K ↗	Q3 FY2024 Sep 30, 2024 10-Q ↗	Q2 FY2024 Jun 30, 2024 10-Q ↗	Q1 FY2024 Mar 31, 2024 10-Q ↗	Q4 FY2023 Dec 31, 2023 10-K ↗	Q3 FY2023 Sep 30, 2023 10-Q ↗	Q2 FY2023 Jun 30, 2023 10-Q ↗	Q1 FY2023 Mar 31, 2023 10-Q ↗	Q4 FY2022 Dec 31, 2022 10-K ↗	Q3 FY2022 Sep 30, 2022 10-Q ↗	Q2 FY2022 Jun 30, 2022 10-Q ↗	Q1 FY2022 Mar 31, 2022 10-Q ↗	Q4 FY2021 Dec 31, 2021 10-K ↗	Q3 FY2021 Sep 30, 2021 10-Q ↗	Q2 FY2021 Jun 30, 2021 10-Q ↗	Q1 FY2021 Mar 31, 2021 10-Q ↗	Q4 FY2020 Dec 31, 2020 10-K ↗	Q4 FY2019 Dec 31, 2019 10-K ↗	Q4 FY2018 Dec 31, 2018 10-K ↗
Sales/Revenue/Turnover (USD)	$197.30M	$222.20M	$225.40M	$215.10M	$186.90M	$209.20M	$183.80M	$191.30M	$150.60M	$161.90M	$133.70M	$152.80M	$143.30M	$169.60M	$142.00M	$142.60M	$125.20M	$129.10M	$99.50M	$98.50M	$91.60M	$90.00M	—	—	—
Depreciation Expense (USD)	$9.30M	$9.70M	$9.50M	$11.60M	$12.70M	$12.60M	$11.40M	—	—	$11.90M	$12.20M	—	—	$11.70M	$11.40M	—	—	$7.20M	$7.20M	$7.10M	$6.60M	$6.20M	—	—	—
Net Income, GAAP (USD)	$20.40M	$20.40M	$14.00M	$200.00K	$200.00K	$200.00K	$38.60M	$1.10M	$1.10M	$1.10M	$-2.30M	$1.70M	$1.70M	$1.70M	$8.90M	$-10.50M	$-10.50M	$-10.50M	$-7.90M	$-12.90M	$-12.90M	$-12.90M	—	—	—
Operating Cash Flow (USD)	$41.20M	$35.70M	$38.90M	$48.50M	—	$26.70M	$9.90M	—	—	$22.70M	$29.60M	—	—	$16.40M	$20.10M	—	—	$1.60M	$8.70M	$16.60M	$-14.50M	$-3.60M	—	—	—

NERDWALLET, INC.

Analytical Summary

25-Year Financial Trajectory

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