vs
Side-by-side financial comparison of CSW INDUSTRIALS, INC. (CSW) and NERDWALLET, INC. (NRDS). Click either name above to swap in a different company.
CSW INDUSTRIALS, INC. is the larger business by last-quarter revenue ($233.0M vs $225.4M, roughly 1.0× NERDWALLET, INC.). NERDWALLET, INC. runs the higher net margin — 6.2% vs 4.4%, a 1.8% gap on every dollar of revenue. On growth, NERDWALLET, INC. posted the faster year-over-year revenue change (22.6% vs 20.3%). NERDWALLET, INC. produced more free cash flow last quarter ($38.6M vs $22.7M). Over the past eight quarters, NERDWALLET, INC.'s revenue compounded faster (18.0% CAGR vs 5.1%).
NerdWallet is an American personal finance company, founded in 2009 by Tim Chen and Jacob Gibson. It has a website and app that earns money by promoting financial products to its users.
CSW vs NRDS — Head-to-Head
Income Statement — Q3 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $233.0M | $225.4M |
| Net Profit | $10.3M | $14.0M |
| Gross Margin | 39.7% | 94.0% |
| Operating Margin | 7.4% | 8.6% |
| Net Margin | 4.4% | 6.2% |
| Revenue YoY | 20.3% | 22.6% |
| Net Profit YoY | -61.9% | -63.7% |
| EPS (diluted) | $0.62 | $0.19 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $233.0M | $225.4M | ||
| Q3 25 | $277.0M | $215.1M | ||
| Q2 25 | $263.6M | $186.9M | ||
| Q1 25 | $230.5M | $209.2M | ||
| Q4 24 | $193.6M | $183.8M | ||
| Q3 24 | $227.9M | $191.3M | ||
| Q2 24 | $226.2M | $150.6M | ||
| Q1 24 | $210.9M | $161.9M |
| Q4 25 | $10.3M | $14.0M | ||
| Q3 25 | $40.7M | $26.3M | ||
| Q2 25 | $40.9M | $8.2M | ||
| Q1 25 | $35.1M | $200.0K | ||
| Q4 24 | $26.9M | $38.6M | ||
| Q3 24 | $36.1M | $100.0K | ||
| Q2 24 | $38.6M | $-9.4M | ||
| Q1 24 | $31.8M | $1.1M |
| Q4 25 | 39.7% | 94.0% | ||
| Q3 25 | 43.0% | 92.9% | ||
| Q2 25 | 43.8% | 91.1% | ||
| Q1 25 | 44.2% | 91.3% | ||
| Q4 24 | 41.4% | 90.9% | ||
| Q3 24 | 45.6% | 90.7% | ||
| Q2 24 | 47.5% | 90.1% | ||
| Q1 24 | 44.4% | 91.2% |
| Q4 25 | 7.4% | 8.6% | ||
| Q3 25 | 20.5% | 16.0% | ||
| Q2 25 | 20.8% | 5.7% | ||
| Q1 25 | 19.5% | 0.3% | ||
| Q4 24 | 15.3% | 4.7% | ||
| Q3 24 | 22.6% | 3.5% | ||
| Q2 24 | 24.3% | -6.4% | ||
| Q1 24 | 21.0% | 2.3% |
| Q4 25 | 4.4% | 6.2% | ||
| Q3 25 | 14.7% | 12.2% | ||
| Q2 25 | 15.5% | 4.4% | ||
| Q1 25 | 15.2% | 0.1% | ||
| Q4 24 | 13.9% | 21.0% | ||
| Q3 24 | 15.8% | 0.1% | ||
| Q2 24 | 17.1% | -6.2% | ||
| Q1 24 | 15.1% | 0.7% |
| Q4 25 | $0.62 | $0.19 | ||
| Q3 25 | $2.41 | $0.34 | ||
| Q2 25 | $2.43 | $0.11 | ||
| Q1 25 | $2.05 | $0.00 | ||
| Q4 24 | $1.60 | $0.49 | ||
| Q3 24 | $2.26 | $0.00 | ||
| Q2 24 | $2.47 | $-0.12 | ||
| Q1 24 | $2.03 | $0.01 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $40.2M | $98.3M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $1.1B | $374.5M |
| Total Assets | $2.3B | $461.1M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $40.2M | $98.3M | ||
| Q3 25 | $31.5M | $120.6M | ||
| Q2 25 | $38.0M | $105.3M | ||
| Q1 25 | $225.8M | $92.2M | ||
| Q4 24 | $213.8M | $66.3M | ||
| Q3 24 | $273.2M | $71.7M | ||
| Q2 24 | $18.9M | $113.8M | ||
| Q1 24 | $22.2M | $110.9M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | $800.1M | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | $166.0M | — |
| Q4 25 | $1.1B | $374.5M | ||
| Q3 25 | $1.1B | $402.4M | ||
| Q2 25 | $1.1B | $390.0M | ||
| Q1 25 | $1.1B | $371.6M | ||
| Q4 24 | $1.0B | $364.2M | ||
| Q3 24 | $1.0B | $322.4M | ||
| Q2 24 | $650.2M | $379.4M | ||
| Q1 24 | $615.7M | $378.7M |
| Q4 25 | $2.3B | $461.1M | ||
| Q3 25 | $1.5B | $492.8M | ||
| Q2 25 | $1.5B | $476.0M | ||
| Q1 25 | $1.4B | $475.0M | ||
| Q4 24 | $1.4B | $437.6M | ||
| Q3 24 | $1.4B | $402.4M | ||
| Q2 24 | $1.1B | $446.2M | ||
| Q1 24 | $1.0B | $446.1M |
| Q4 25 | — | — | ||
| Q3 25 | — | — | ||
| Q2 25 | — | — | ||
| Q1 25 | 0.75× | — | ||
| Q4 24 | — | — | ||
| Q3 24 | — | — | ||
| Q2 24 | — | — | ||
| Q1 24 | 0.27× | — |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $28.9M | $38.9M |
| Free Cash FlowOCF − Capex | $22.7M | $38.6M |
| FCF MarginFCF / Revenue | 9.8% | 17.1% |
| Capex IntensityCapex / Revenue | 2.6% | 0.1% |
| Cash ConversionOCF / Net Profit | 2.81× | 2.78× |
| TTM Free Cash FlowTrailing 4 quarters | $162.0M | $130.3M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $28.9M | $38.9M | ||
| Q3 25 | $61.8M | $48.5M | ||
| Q2 25 | $60.6M | $17.5M | ||
| Q1 25 | $27.3M | $26.7M | ||
| Q4 24 | $11.6M | $9.9M | ||
| Q3 24 | $66.8M | $29.0M | ||
| Q2 24 | $62.7M | $10.2M | ||
| Q1 24 | $22.4M | $22.7M |
| Q4 25 | $22.7M | $38.6M | ||
| Q3 25 | $58.7M | $48.4M | ||
| Q2 25 | $57.7M | $16.8M | ||
| Q1 25 | $22.8M | $26.5M | ||
| Q4 24 | $8.5M | $9.7M | ||
| Q3 24 | $61.3M | $28.9M | ||
| Q2 24 | $59.6M | $9.9M | ||
| Q1 24 | $17.5M | — |
| Q4 25 | 9.8% | 17.1% | ||
| Q3 25 | 21.2% | 22.5% | ||
| Q2 25 | 21.9% | 9.0% | ||
| Q1 25 | 9.9% | 12.7% | ||
| Q4 24 | 4.4% | 5.3% | ||
| Q3 24 | 26.9% | 15.1% | ||
| Q2 24 | 26.3% | 6.6% | ||
| Q1 24 | 8.3% | — |
| Q4 25 | 2.6% | 0.1% | ||
| Q3 25 | 1.1% | 0.0% | ||
| Q2 25 | 1.1% | 0.4% | ||
| Q1 25 | 2.0% | 0.1% | ||
| Q4 24 | 1.6% | 0.1% | ||
| Q3 24 | 2.4% | 0.1% | ||
| Q2 24 | 1.4% | 0.2% | ||
| Q1 24 | 2.3% | 0.0% |
| Q4 25 | 2.81× | 2.78× | ||
| Q3 25 | 1.52× | 1.84× | ||
| Q2 25 | 1.48× | 2.13× | ||
| Q1 25 | 0.78× | 133.50× | ||
| Q4 24 | 0.43× | 0.26× | ||
| Q3 24 | 1.85× | 290.00× | ||
| Q2 24 | 1.62× | — | ||
| Q1 24 | 0.71× | 20.64× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
CSW
| Contractor Solutions Segment | $166.3M | 71% |
| Specialized Reliability Solutions Segment | $38.2M | 16% |
| Engineered Building Solutions Segment | $28.5M | 12% |
NRDS
| Insurance | $81.2M | 36% |
| Emerging Verticals | $52.9M | 23% |
| Loans | $42.3M | 19% |
| Credit Card | $26.5M | 12% |
| SMB Products | $22.5M | 10% |
