vs
Side-by-side financial comparison of NERDWALLET, INC. (NRDS) and ONESPAWORLD HOLDINGS Ltd (OSW). Click either name above to swap in a different company.
ONESPAWORLD HOLDINGS Ltd is the larger business by last-quarter revenue ($242.1M vs $225.4M, roughly 1.1× NERDWALLET, INC.). NERDWALLET, INC. runs the higher net margin — 6.2% vs 5.0%, a 1.2% gap on every dollar of revenue. On growth, NERDWALLET, INC. posted the faster year-over-year revenue change (22.6% vs 11.5%). NERDWALLET, INC. produced more free cash flow last quarter ($38.6M vs $14.9M). Over the past eight quarters, NERDWALLET, INC.'s revenue compounded faster (18.0% CAGR vs 7.1%).
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.
NRDS vs OSW — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $225.4M | $242.1M |
| Net Profit | $14.0M | $12.1M |
| Gross Margin | 94.0% | — |
| Operating Margin | 8.6% | 6.8% |
| Net Margin | 6.2% | 5.0% |
| Revenue YoY | 22.6% | 11.5% |
| Net Profit YoY | -63.7% | -16.2% |
| EPS (diluted) | $0.19 | $0.12 |
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 | $225.4M | $242.1M | ||
| Q3 25 | $215.1M | $258.5M | ||
| Q2 25 | $186.9M | $240.7M | ||
| Q1 25 | $209.2M | $219.6M | ||
| Q4 24 | $183.8M | $217.2M | ||
| Q3 24 | $191.3M | $241.7M | ||
| Q2 24 | $150.6M | $224.9M | ||
| Q1 24 | $161.9M | $211.2M |
| Q4 25 | $14.0M | $12.1M | ||
| Q3 25 | $26.3M | $24.3M | ||
| Q2 25 | $8.2M | $19.9M | ||
| Q1 25 | $200.0K | $15.3M | ||
| Q4 24 | $38.6M | $14.4M | ||
| Q3 24 | $100.0K | $21.6M | ||
| Q2 24 | $-9.4M | $15.8M | ||
| Q1 24 | $1.1M | $21.2M |
| Q4 25 | 94.0% | — | ||
| Q3 25 | 92.9% | — | ||
| Q2 25 | 91.1% | — | ||
| Q1 25 | 91.3% | — | ||
| Q4 24 | 90.9% | — | ||
| Q3 24 | 90.7% | — | ||
| Q2 24 | 90.1% | — | ||
| Q1 24 | 91.2% | — |
| Q4 25 | 8.6% | 6.8% | ||
| Q3 25 | 16.0% | 10.2% | ||
| Q2 25 | 5.7% | 9.2% | ||
| Q1 25 | 0.3% | 7.7% | ||
| Q4 24 | 4.7% | 7.9% | ||
| Q3 24 | 3.5% | 10.3% | ||
| Q2 24 | -6.4% | 8.4% | ||
| Q1 24 | 2.3% | 8.0% |
| Q4 25 | 6.2% | 5.0% | ||
| Q3 25 | 12.2% | 9.4% | ||
| Q2 25 | 4.4% | 8.3% | ||
| Q1 25 | 0.1% | 7.0% | ||
| Q4 24 | 21.0% | 6.6% | ||
| Q3 24 | 0.1% | 8.9% | ||
| Q2 24 | -6.2% | 7.0% | ||
| Q1 24 | 0.7% | 10.0% |
| Q4 25 | $0.19 | $0.12 | ||
| Q3 25 | $0.34 | $0.23 | ||
| Q2 25 | $0.11 | $0.19 | ||
| Q1 25 | $0.00 | $0.15 | ||
| Q4 24 | $0.49 | $0.13 | ||
| Q3 24 | $0.00 | $0.20 | ||
| Q2 24 | $-0.12 | $0.15 | ||
| Q1 24 | $0.01 | $0.21 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $98.3M | $16.3M |
| Total DebtLower is stronger | — | $84.0M |
| Stockholders' EquityBook value | $374.5M | $542.6M |
| Total Assets | $461.1M | $707.1M |
| Debt / EquityLower = less leverage | — | 0.15× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $98.3M | $16.3M | ||
| Q3 25 | $120.6M | $29.6M | ||
| Q2 25 | $105.3M | $35.0M | ||
| Q1 25 | $92.2M | $22.6M | ||
| Q4 24 | $66.3M | $57.4M | ||
| Q3 24 | $71.7M | $48.8M | ||
| Q2 24 | $113.8M | $62.5M | ||
| Q1 24 | $110.9M | $65.4M |
| Q4 25 | — | $84.0M | ||
| Q3 25 | — | $85.2M | ||
| Q2 25 | — | $96.2M | ||
| Q1 25 | — | $97.4M | ||
| Q4 24 | — | $98.6M | ||
| Q3 24 | — | $98.7M | ||
| Q2 24 | — | $123.8M | ||
| Q1 24 | — | $138.6M |
| Q4 25 | $374.5M | $542.6M | ||
| Q3 25 | $402.4M | $552.8M | ||
| Q2 25 | $390.0M | $548.3M | ||
| Q1 25 | $371.6M | $530.6M | ||
| Q4 24 | $364.2M | $554.5M | ||
| Q3 24 | $322.4M | $540.1M | ||
| Q2 24 | $379.4M | $532.7M | ||
| Q1 24 | $378.7M | $515.5M |
| Q4 25 | $461.1M | $707.1M | ||
| Q3 25 | $492.8M | $732.6M | ||
| Q2 25 | $476.0M | $731.8M | ||
| Q1 25 | $475.0M | $708.7M | ||
| Q4 24 | $437.6M | $746.4M | ||
| Q3 24 | $402.4M | $734.0M | ||
| Q2 24 | $446.2M | $756.8M | ||
| Q1 24 | $446.1M | $763.6M |
| Q4 25 | — | 0.15× | ||
| Q3 25 | — | 0.15× | ||
| Q2 25 | — | 0.18× | ||
| Q1 25 | — | 0.18× | ||
| Q4 24 | — | 0.18× | ||
| Q3 24 | — | 0.18× | ||
| Q2 24 | — | 0.23× | ||
| 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 | $38.9M | $20.0M |
| Free Cash FlowOCF − Capex | $38.6M | $14.9M |
| FCF MarginFCF / Revenue | 17.1% | 6.2% |
| Capex IntensityCapex / Revenue | 0.1% | 2.1% |
| Cash ConversionOCF / Net Profit | 2.78× | 1.65× |
| TTM Free Cash FlowTrailing 4 quarters | $130.3M | $68.4M |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $38.9M | $20.0M | ||
| Q3 25 | $48.5M | $33.2M | ||
| Q2 25 | $17.5M | $20.3M | ||
| Q1 25 | $26.7M | $10.1M | ||
| Q4 24 | $9.9M | $16.6M | ||
| Q3 24 | $29.0M | $28.6M | ||
| Q2 24 | $10.2M | $18.7M | ||
| Q1 24 | $22.7M | $15.0M |
| Q4 25 | $38.6M | $14.9M | ||
| Q3 25 | $48.4M | $27.6M | ||
| Q2 25 | $16.8M | $17.6M | ||
| Q1 25 | $26.5M | $8.4M | ||
| Q4 24 | $9.7M | $13.2M | ||
| Q3 24 | $28.9M | $27.5M | ||
| Q2 24 | $9.9M | $17.6M | ||
| Q1 24 | — | $13.7M |
| Q4 25 | 17.1% | 6.2% | ||
| Q3 25 | 22.5% | 10.7% | ||
| Q2 25 | 9.0% | 7.3% | ||
| Q1 25 | 12.7% | 3.8% | ||
| Q4 24 | 5.3% | 6.1% | ||
| Q3 24 | 15.1% | 11.4% | ||
| Q2 24 | 6.6% | 7.8% | ||
| Q1 24 | — | 6.5% |
| Q4 25 | 0.1% | 2.1% | ||
| Q3 25 | 0.0% | 2.2% | ||
| Q2 25 | 0.4% | 1.1% | ||
| Q1 25 | 0.1% | 0.8% | ||
| Q4 24 | 0.1% | 1.5% | ||
| Q3 24 | 0.1% | 0.5% | ||
| Q2 24 | 0.2% | 0.5% | ||
| Q1 24 | 0.0% | 0.6% |
| Q4 25 | 2.78× | 1.65× | ||
| Q3 25 | 1.84× | 1.36× | ||
| Q2 25 | 2.13× | 1.02× | ||
| Q1 25 | 133.50× | 0.66× | ||
| Q4 24 | 0.26× | 1.15× | ||
| Q3 24 | 290.00× | 1.33× | ||
| Q2 24 | — | 1.19× | ||
| Q1 24 | 20.64× | 0.71× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NRDS
| Insurance | $81.2M | 36% |
| Emerging Verticals | $52.9M | 23% |
| Loans | $42.3M | 19% |
| Credit Card | $26.5M | 12% |
| SMB Products | $22.5M | 10% |
OSW
| Services | $197.3M | 82% |
| Products | $44.8M | 18% |
