NerdWallet Inc-A 2026年季度报告

Washington, D.C. 20549FORM 10-Q (Mark One) QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended March31, 2026 OR TRANSITION REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the transition period from to Commission file number 001-40994 45-4180440 Securities registered pursuant to Section 12(b) of the Act: Indicate by check mark whether the registrant (1)has filed all reports required to be filed by Section13 or 15(d) of the Securities ExchangeAct of 1934 during the preceding 12 months (or for such shorter period that the registrant was required to file such reports), and (2)has beensubject to such filing requirements for the past 90 days. Yes☒No☐ Indicate by check mark whether the registrant has submitted electronically every Interactive Data File required to be submitted pursuant toRule405 of RegulationS-T (§232.405 of this chapter) during the preceding 12 months (or for such shorter period that the registrant wasrequired to submit such files). Yes☒No☐ Indicate by check mark whether the registrant is a large accelerated filer, an accelerated filer, a non-accelerated filer, a smaller reportingcompany, or an emerging growth company. See the definitions of “large accelerated filer,” “accelerated filer,” “smaller reporting company”and “emerging growth company” in Rule12b-2 of the Exchange Act. (Check one): Non-accelerated filer If an emerging growth company, indicate by check mark if the registrant has elected not to use the extended transition period for complyingwith any new or revised financial accounting standards provided pursuant to Section13(a) of the Exchange Act.☐ Indicate by check mark whether the registrant is a shell company (as defined in Rule12b-2 of the Act). Yes☐No☒ The registrant had outstanding 34,113,131 shares of ClassA common stock and 31,685,652 shares of ClassB common stock as of May1,2026. Index to Form10-Q PART IFinancial InformationItem 1.Financial Statements3Condensed Consolidated Balance Sheets3Condensed Consolidated Statements of Operations4Condensed Consolidated Statements of Comprehensive Income5Condensed Consolidated Statements of Stockholders’ Equity6Condensed Consolidated Statements of Cash Flows7Notes to Condensed Consolidated Financial Statements8Item 2.Management’s Discussion and Analysis of Financial Condition and Results of Operations15Item 3.Quantitative and Qualitative Disclosures About Market Risk24Item 4.Controls and Procedures24 PART IIOther InformationItem 1.Legal Proceedings25Item 1A.Risk Factors25Item 2.Unregistered Sales of Equity Securities and Use of Proceeds25Item 3.Defaults Upon Senior Securities25Item 4.Mine Safety Disclosures25Item 5.Other Information26Item 6.Exhibits27 28 Signatures Special Note Regarding Forward-Looking Statements This Quarterly Report on Form10-Q contains forward-looking statements about us and our industry that involve significant risksand uncertainties. Except for statements of historical facts, all statements contained in this Quarterly Report on Form10-Q areforward-looking.These statements often contain words such as“anticipate,”“believe,”“contemplate,”“continue,”“could,”“estimate,” “expect,” “intend,” “may,” “plan,” “potential,” “predict,” “project,” “should,” “target,” “will” or “would” or similar terms,including their negatives. These forward-looking statements include, but are not limited to, statements regarding: •the impact of macroeconomic developments, including inflation, interest rates, credit market conditions and general economicuncertainty, on our business, operating results, financial condition, and stock price;•our expectations regarding future financial and operational performance, including total revenue, cost of revenue, non‑GAAPoperating income (loss) and adjusted EBITDA;•our ability to grow traffic, engagement, and monetization on our platform;•expected returns on marketing investments and brand campaigns;•consumer and SMB demand for products and services offered through our platform;•our ability to increase user registrations, improve repeat usage rates, and convert users into matches with financial servicespartners;•expansion within existing and new verticals, including new products, services, and features that are competitive, compliantwith applicable regulations, and responsive to market needs;•changing geographic operations;•maintaining and expanding relationships with existing financial services partners and identifying new ones;•developing scalable technology and data capabilities to provide personalized guidance and enhance user engagement;•strengthening brand awareness, credibility, and consumer and SMB trust;•producing high quality, engaging consumer and SMB content and tools;•adapting to evolving consumer and SMB financial interests and behaviors;•competing effectively in existing and new markets;•maintaining the security, reliability, and availability of our platform;•protecting an