Filing Flows › Nerdwallet (NRDS) › Q3 2026
Nerdwallet (NRDS) Q3 2026 earnings results (third quarter 2026)
10-Q filed Nov 5, 2026
Nerdwallet (NRDS) reported revenue of $240M for the third quarter 2026 (Q3 2026), +11% from a year earlier and +21% from the quarter before. Operating margin was 8.1%, net earnings $14.9M (6.2% of revenue).
Nerdwallet, Q3 2026: revenue $240M (+11% year over year), operating margin 8.1%, net earnings $14.9M, operating cash flow $31.2M. The chart follows the revenue to costs, profit and cash.
| Q3 2026 | Amount | Q/Q | Y/Y |
|---|---|---|---|
| Revenue | $240M | +21% | +11% |
| Operating profit | $19.4M | +177% | -44% |
| Net earnings | $14.9M | +247% | -43% |
| Operating cash flow | $31.2M | -24% | -36% |
| Free cash flow | $31.0M | -25% | -36% |
What changed
Revenue was $239.6M in Q3 2026, up 11% year over year and up 21% from the previous quarter. Consumer was the largest line at 90% of revenue. Consumer added $23.0M year over year (up 12%), 94% of the total change.
Operating profit was $19.4M, a 8.1% margin (down 7.9 points year over year). Operating profit fell $15.0M even though revenue rose $24.5M versus Q3 2025, so costs grew faster than sales. Total costs grew 22% against revenue growth of 11%. The fastest-growing cost line was Sales & marketing (+28%). Net earnings were $14.9M, down 43% year over year. The effective tax rate was 24.4%.
Operating cash flow was $31.2M (down 36% year over year), 209% of net earnings. Non-cash charges added back $10.0M of depreciation and amortization and $10.3M of share-based compensation. Working capital and other items used $4.0M. Capital expenditures of $200K left free cash flow of $31.0M.
Questions
What was Nerdwallet's revenue in the third quarter 2026?
Nerdwallet (NRDS) reported revenue of $240M for the third quarter 2026 (Q3 2026), +11% from a year earlier and +21% from the quarter before.
Was Nerdwallet profitable in the third quarter 2026?
Operating profit was $19.4M (8.1% of revenue) and net earnings $14.9M.
Source: Nerdwallet 10-Q on SEC EDGAR.