NerdWallet, Inc. (NRDS)
NASDAQ: NRDS · Real-Time Price · USD
7.89
-3.54 (-30.97%)
At close: Nov 6, 2026, 4:00 PM EST
8.04
+0.15 (1.86%)
After-hours: Nov 6, 2026, 7:58 PM EST
NerdWallet Cash Flow Statement
Financials in millions USD. Fiscal year is January - December.
Millions USD. Fiscal year is Jan - Dec.
Operating Activities
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
Net Income | 14.9 | 4.3 | 20.4 | 14 | 26.3 | 8.2 | 0.2 | 38.6 | 0.1 | -9.4 | 1.1 | -2.3 | -0.5 | -10.7 | 1.7 | 8.9 | 0.7 | -9.3 | -10.5 | -7.9 |
Depreciation & Amortization | 4.2 | 4 | 4 | 3.6 | 4 | 3.8 | 3.8 | 3.9 | 3.9 | 3.9 | 3.9 | 4.2 | 4.8 | 5.2 | 5.1 | 5.3 | 5.1 | 2.2 | 2.3 | 2.7 |
Other Amortization | 5.8 | 5.3 | 5.7 | 5.9 | 7.6 | 8.9 | 8.8 | 7.5 | 9 | 8.3 | 8 | 8 | 7.3 | 7 | 6.6 | 6.1 | 5.7 | 5.4 | 4.9 | 4.5 |
Stock-Based Compensation | 10.3 | 6.9 | 7 | 7 | 6.7 | 8.2 | 6.7 | 8.5 | 10.2 | 10.3 | 8.7 | 9.5 | 9.4 | 11.3 | 8.6 | 9.1 | 9.1 | 9.7 | 6.5 | 7.1 |
Other Operating Activities | 4.2 | 3.3 | 6 | 5.1 | 15.9 | -2 | 1 | -37.1 | 0.6 | 0.6 | 0.6 | 2.3 | 0.6 | 0.3 | 2 | 1.5 | -9.7 | 2.1 | 4.1 | 8.4 |
Change in Accounts Receivable | -9.3 | -0.4 | -1.6 | 11.2 | -24.4 | 22.5 | -18.7 | 0.3 | -8.9 | 0.1 | -18.5 | 9.1 | 8 | 5.4 | -11.8 | - | 0.6 | -4.1 | -15.2 | -1.5 |
Change in Accounts Payable | 6.9 | 6.3 | -2.1 | -8.4 | 1.9 | -12.4 | 15.3 | -3.7 | 2.3 | -5.4 | 13.4 | -9.4 | 9.5 | -10.5 | 8.6 | -1.6 | -6 | 0.7 | 1.3 | -0.5 |
Change in Other Net Operating Assets | -5.8 | 11.5 | -3.7 | 0.5 | 10.5 | -19.7 | 9.6 | -8.1 | 11.8 | 1.8 | 5.5 | 8.2 | -3 | -18 | -4.4 | -9.2 | 13.8 | -22.7 | 8.2 | -4.1 |
Operating Cash Flow | 31.2 | 41.2 | 35.7 | 38.9 | 48.5 | 17.5 | 26.7 | 9.9 | 29 | 10.2 | 22.7 | 29.6 | 36.1 | -10 | 16.4 | 20.1 | 19.3 | -16 | 1.6 | 8.7 |
Operating Cash Flow Growth (YoY) | -35.67% | 135.43% | 33.71% | 292.93% | 67.24% | 71.57% | 17.62% | -66.55% | -19.67% | - | 38.41% | 47.26% | 87.05% | - | 925.00% | 131.03% | 16.27% | - | - | - |
Investing Activities
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
Capital Expenditures | -0.2 | -0.1 | -0.4 | -0.3 | -0.1 | -0.7 | -0.2 | -0.2 | -0.1 | -0.3 | - | -0.2 | -0.1 | -0.1 | -0.3 | -0.3 | -1.4 | -1 | -1.9 | -1.6 |
Cash Acquisitions | -5.1 | -0.3 | -15.8 | -8.1 | - | -5 | - | -0.3 | - | - | - | - | - | - | - | 1.4 | -69.5 | - | - | - |
Sale (Purchase) of Intangibles | -2.9 | -3.6 | -3.8 | -4.5 | -4.3 | -3.7 | -4.4 | -4.8 | -5.1 | -5.4 | -5.4 | -9.2 | -4.7 | -7.6 | -7.3 | -7.1 | -7.5 | -6.4 | -6.6 | -5.1 |
Investment in Securities | - | - | 0.3 | - | -2 | - | - | - | - | - | -8.1 | - | - | - | - | - | - | - | - | - |
Investing Cash Flow | -8.2 | -4 | -19.7 | -12.9 | -6.4 | -9.4 | -4.6 | -5.3 | -5.2 | -5.7 | -13.5 | -9.4 | -4.8 | -7.7 | -7.6 | -6 | -78.4 | -7.4 | -8.5 | -6.7 |
Financing Activities
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
Short-Term Debt Issued | - | - | 8 | - | - | - | 4.3 | - | - | - | - | - | - | - | 7.5 | - | - | - | - | - |
Total Debt Issued | - | -8 | 8 | 1.1 | -5.4 | 4.4 | 4.3 | - | - | - | - | - | - | - | 7.5 | - | 70 | - | - | - |
Short-Term Debt Repaid | - | - | - | - | - | - | - | - | - | - | - | - | - | - | -7.5 | - | - | - | - | - |
Total Debt Repaid | -1.5 | -1.7 | - | - | - | - | - | -2 | - | - | - | - | - | - | -7.5 | -70 | - | - | - | -28.5 |
Net Debt Issued (Repaid) | -1.5 | -9.7 | 8 | 1.1 | -5.4 | 4.4 | 4.3 | -2 | - | - | - | - | - | - | - | -70 | 70 | - | - | -28.5 |
Issuance of Common Stock | 1 | 1.6 | 0.3 | 1.5 | 0.4 | 1.3 | - | 2.5 | 3.1 | 0.4 | 1.7 | 2.2 | 0.3 | 2.3 | 8.4 | 2.8 | 1.9 | 6.8 | 0.7 | 143.9 |
Repurchase of Common Stock | -11 | -23.4 | -66.2 | -51 | -21.6 | -0.6 | -0.5 | -10.7 | -69 | -2.1 | -0.4 | -8.3 | -11 | -1.5 | -0.3 | -0.5 | -0.1 | - | - | - |
Other Financing Activities | - | - | - | - | - | - | - | - | - | - | - | -0.3 | -1.1 | -16.9 | - | -1 | - | -19 | - | -1 |
Financing Cash Flow | -11.5 | -31.5 | -57.9 | -48.4 | -26.6 | 5.1 | 3.8 | -10.2 | -65.9 | -1.7 | 1.3 | -6.4 | -11.8 | -16.1 | 8.1 | -68.7 | 71.8 | -12.2 | 0.7 | 114.4 |
Net Cash Flow
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
Foreign Exchange Rate Adjustments | - | - | -0.1 | 0.1 | -0.2 | -0.1 | - | 0.2 | - | 0.1 | - | - | - | 0.1 | - | 0.1 | -0.1 | -0.2 | - | -0.1 |
Net Cash Flow | 11.5 | 5.7 | -42 | -22.3 | 15.3 | 13.1 | 25.9 | -5.4 | -42.1 | 2.9 | 10.5 | 13.8 | 19.5 | -33.7 | 16.9 | -54.5 | 12.6 | -35.8 | -6.2 | 116.3 |
Free Cash Flow
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
Free Cash Flow | 31 | 41.1 | 35.3 | 38.6 | 48.4 | 16.8 | 26.5 | 9.7 | 28.9 | 9.9 | 22.7 | 29.4 | 36 | -10.1 | 16.1 | 19.8 | 17.9 | -17 | -0.3 | 7.1 |
Free Cash Flow Growth (YoY) | -35.95% | 144.64% | 33.21% | 297.94% | 67.47% | 69.70% | 16.74% | -67.01% | -19.72% | - | 40.99% | 48.48% | 101.12% | - | - | 178.87% | 9.82% | - | - | - |
Free Cash Flow Margin | 12.94% | 20.83% | 15.89% | 17.13% | 22.50% | 8.99% | 12.67% | 5.28% | 15.11% | 6.57% | 14.02% | 21.99% | 23.56% | -7.05% | 9.49% | 13.94% | 12.55% | -13.58% | -0.23% | 7.14% |
Free Cash Flow Per Share | 0.48 | 0.63 | 0.51 | 0.52 | 0.63 | 0.22 | 0.35 | 0.13 | 0.36 | 0.13 | 0.28 | 0.38 | 0.47 | -0.13 | 0.20 | 0.26 | 0.24 | -0.25 | -0.00 | 0.12 |
Levered Free Cash Flow | 21.66 | 33.95 | 25.43 | 29.56 | 24.58 | 13.76 | 20.18 | 7.11 | 33.49 | 7.88 | 16.49 | 20.43 | 34.98 | -28.15 | 4.88 | 10.23 | 9.04 | -6.93 | -5.98 | 3.9 |
Unlevered Free Cash Flow | 21.79 | 34.01 | 25.55 | 29.63 | 24.7 | 13.89 | 20.24 | 7.24 | 33.55 | 8 | 16.61 | 20.55 | 35.1 | -28.03 | 5 | 10.98 | 9.6 | -6.8 | -5.85 | 4.03 |
Additional Metrics
Fiscal Quarter | Q3 2026 | Q2 2026 | Q1 2026 | Q4 2025 | Q3 2025 | Q2 2025 | Q1 2025 | Q4 2024 | Q3 2024 | Q2 2024 | Q1 2024 | Q4 2023 | Q3 2023 | Q2 2023 | Q1 2023 | Q4 2022 | Q3 2022 | Q2 2022 | Q1 2022 | Q4 2021 |
|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|---|
Period Ending | Sep '26 Sep 30, 2026 | Jun '26 Jun 30, 2026 | Mar '26 Mar 31, 2026 | Dec '25 Dec 31, 2025 | Sep '25 Sep 30, 2025 | Jun '25 Jun 30, 2025 | Mar '25 Mar 31, 2025 | Dec '24 Dec 31, 2024 | Sep '24 Sep 30, 2024 | Jun '24 Jun 30, 2024 | Mar '24 Mar 31, 2024 | Dec '23 Dec 31, 2023 | Sep '23 Sep 30, 2023 | Jun '23 Jun 30, 2023 | Mar '23 Mar 31, 2023 | Dec '22 Dec 31, 2022 | Sep '22 Sep 30, 2022 | Jun '22 Jun 30, 2022 | Mar '22 Mar 31, 2022 | Dec '21 Dec 31, 2021 |
Cash Interest Paid | - | - | 0.3 | 0.1 | - | 0.1 | 0.1 | - | 0.1 | 0.1 | 0.1 | - | 0.1 | 0.2 | - | 1.1 | 0.7 | - | 0.1 | 0.9 |
Cash Income Tax Paid | 0.8 | - | -5.9 | 0.6 | 0.1 | 11.5 | 2.9 | 5.8 | 2.9 | 7.1 | 0.2 | 1.8 | 3.4 | 8 | 0.3 | 0.9 | 1.1 | 1.8 | 0.2 | - |
Change in Working Capital | -8.2 | 17.4 | -7.4 | 3.3 | -12 | -9.6 | 6.2 | -11.5 | 5.2 | -3.5 | 0.4 | 7.9 | 14.5 | -23.1 | -7.6 | -10.8 | 8.4 | -26.1 | -5.7 | -6.1 |