NerdWallet Cash Flow Statement

Financials in millions USD. Fiscal year is January - December.

Millions USD. Fiscal year is Jan - Dec.

Fiscal Year	TTM	FY 2024	FY 2023	FY 2022	FY 2021	FY 2020
Period Ending	Sep '25 Sep 30, 2025	Dec '24 Dec 31, 2024	Dec '23 Dec 31, 2023	Dec '22 Dec 31, 2022	Dec '21 Dec 31, 2021	Dec '20 Dec 31, 2020
Net Income	73.3	30.4	-11.8	-10.2	-42.5	5.3
Depreciation & Amortization	15.5	15.6	19.3	14.9	10.4	2.6
Other Amortization	32.8	32.8	28.9	22.1	16.7	12.5
Stock-Based Compensation	30.1	37.7	38.8	34.4	17.9	6.4
Other Operating Activities	-22.2	-35.3	5.2	-2	28.3	1.3
Change in Accounts Receivable	-20.3	-27	10.7	-18.7	-20.2	1
Change in Accounts Payable	1.1	6.6	-1.8	-5.6	-2.2	3.6
Change in Other Net Operating Assets	-7.7	11	-17.2	-9.9	-1.2	-17.3
Operating Cash Flow	102.6	71.8	72.1	25	7.2	15.4
Operating Cash Flow Growth	12.13%	-0.42%	188.40%	247.22%	-53.25%	-50.95%
Capital Expenditures	-1.2	-0.6	-0.7	-4.6	-2.3	-1.3
Cash Acquisitions	-5.3	-0.3	-	-68.1	-	-36.7
Sale (Purchase) of Intangibles	-17.2	-20.7	-28.8	-27.6	-20.7	-17.4
Investment in Securities	-2	-8.1	-	-	-	-
Investing Cash Flow	-25.7	-29.7	-29.5	-100.3	-23	-55.4
Short-Term Debt Issued	-	-	7.5	70	-	-
Long-Term Debt Issued	-	-	-	-	-	5
Total Debt Issued	3.3	-	7.5	70	-	5
Short-Term Debt Repaid	-	-2	-7.5	-70	-	-
Long-Term Debt Repaid	-	-	-	-	-28.5	-10
Total Debt Repaid	-2	-2	-7.5	-70	-28.5	-10
Net Debt Issued (Repaid)	1.3	-2	-	-	-28.5	-5
Issuance of Common Stock	4.2	7.7	13.2	12.2	151	62.7
Repurchase of Common Stock	-33.4	-82.2	-21.1	-0.6	-14.8	-1.6
Other Financing Activities	-	-	-18.3	-20	-5.4	-0.4
Financing Cash Flow	-27.9	-76.5	-26.2	-8.4	100.2	55.7
Foreign Exchange Rate Adjustments	-0.1	0.3	0.1	-0.2	-	0.1
Net Cash Flow	48.9	-34.1	16.5	-83.9	84.4	15.8
Free Cash Flow	101.4	71.2	71.4	20.4	4.9	14.1
Free Cash Flow Growth	11.55%	-0.28%	250.00%	316.33%	-65.25%	-54.07%
Free Cash Flow Margin	12.75%	10.36%	11.91%	3.79%	1.29%	5.75%
Free Cash Flow Per Share	1.30	0.90	0.93	0.29	0.09	0.25
Cash Interest Paid	0.2	0.3	0.3	1.9	2.5	1.4
Cash Income Tax Paid	20.3	16	13.5	4	0.3	1.2
Levered Free Cash Flow	65.63	64.96	32.13	7.74	25.93	1.84
Unlevered Free Cash Flow	66.06	65.4	32.63	9.3	26.74	2.53
Change in Working Capital	-26.9	-9.4	-8.3	-34.2	-23.6	-12.7

Updated Sep 30, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.

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