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Side-by-side financial comparison of NERDWALLET, INC. (NRDS) and CPI Card Group Inc. (PMTS). Click either name above to swap in a different company.
NERDWALLET, INC. is the larger business by last-quarter revenue ($222.2M vs $153.1M, roughly 1.5× CPI Card Group Inc.). NERDWALLET, INC. runs the higher net margin — 9.2% vs 4.8%, a 4.4% gap on every dollar of revenue. On growth, CPI Card Group Inc. posted the faster year-over-year revenue change (22.3% vs -1.4%). Over the past eight quarters, NERDWALLET, INC.'s revenue compounded faster (21.5% CAGR vs 16.9%).
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.
CPI Card Group Inc. is a leading provider of payment card production and associated solutions, including contactless and contact credit/debit cards, prepaid cards, and card personalization services. It primarily serves financial institutions, fintech firms, and retail brands across its core North American market.
NRDS vs PMTS — Head-to-Head
Income Statement — Q1 FY2026 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $222.2M | $153.1M |
| Net Profit | $20.4M | $7.3M |
| Gross Margin | 93.9% | 31.5% |
| Operating Margin | 12.2% | 12.0% |
| Net Margin | 9.2% | 4.8% |
| Revenue YoY | -1.4% | 22.3% |
| Net Profit YoY | 45.7% | 8.5% |
| EPS (diluted) | $0.29 | $0.62 |
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.
| Q1 26 | $222.2M | — | ||
| Q4 25 | $225.4M | $153.1M | ||
| Q3 25 | $215.1M | $138.0M | ||
| Q2 25 | $186.9M | $129.8M | ||
| Q1 25 | $209.2M | $122.8M | ||
| Q4 24 | $183.8M | $125.1M | ||
| Q3 24 | $191.3M | $124.8M | ||
| Q2 24 | $150.6M | $118.8M |
| Q1 26 | $20.4M | — | ||
| Q4 25 | $14.0M | $7.3M | ||
| Q3 25 | $26.3M | $2.3M | ||
| Q2 25 | $8.2M | $518.0K | ||
| Q1 25 | $200.0K | $4.8M | ||
| Q4 24 | $38.6M | $6.8M | ||
| Q3 24 | $100.0K | $1.3M | ||
| Q2 24 | $-9.4M | $6.0M |
| Q1 26 | 93.9% | — | ||
| Q4 25 | 94.0% | 31.5% | ||
| Q3 25 | 92.9% | 29.7% | ||
| Q2 25 | 91.1% | 30.9% | ||
| Q1 25 | 91.3% | 33.2% | ||
| Q4 24 | 90.9% | 34.1% | ||
| Q3 24 | 90.7% | 35.8% | ||
| Q2 24 | 90.1% | 35.7% |
| Q1 26 | 12.2% | — | ||
| Q4 25 | 8.6% | 12.0% | ||
| Q3 25 | 16.0% | 9.4% | ||
| Q2 25 | 5.7% | 7.3% | ||
| Q1 25 | 0.3% | 11.5% | ||
| Q4 24 | 4.7% | 12.7% | ||
| Q3 24 | 3.5% | 14.3% | ||
| Q2 24 | -6.4% | 12.5% |
| Q1 26 | 9.2% | — | ||
| Q4 25 | 6.2% | 4.8% | ||
| Q3 25 | 12.2% | 1.7% | ||
| Q2 25 | 4.4% | 0.4% | ||
| Q1 25 | 0.1% | 3.9% | ||
| Q4 24 | 21.0% | 5.4% | ||
| Q3 24 | 0.1% | 1.0% | ||
| Q2 24 | -6.2% | 5.1% |
| Q1 26 | $0.29 | — | ||
| Q4 25 | $0.19 | $0.62 | ||
| Q3 25 | $0.34 | $0.19 | ||
| Q2 25 | $0.11 | $0.04 | ||
| Q1 25 | $0.00 | $0.40 | ||
| Q4 24 | $0.49 | $0.56 | ||
| Q3 24 | $0.00 | $0.11 | ||
| Q2 24 | $-0.12 | $0.51 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $56.3M | $21.7M |
| Total DebtLower is stronger | — | $286.7M |
| Stockholders' EquityBook value | $336.2M | $-17.3M |
| Total Assets | $432.0M | $403.2M |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $56.3M | — | ||
| Q4 25 | $98.3M | $21.7M | ||
| Q3 25 | $120.6M | $16.0M | ||
| Q2 25 | $105.3M | $17.1M | ||
| Q1 25 | $92.2M | $31.5M | ||
| Q4 24 | $66.3M | $33.5M | ||
| Q3 24 | $71.7M | $14.7M | ||
| Q2 24 | $113.8M | $7.5M |
| Q1 26 | — | — | ||
| Q4 25 | — | $286.7M | ||
| Q3 25 | — | $308.4M | ||
| Q2 25 | — | $310.9M | ||
| Q1 25 | — | $280.7M | ||
| Q4 24 | — | $280.4M | ||
| Q3 24 | — | $280.2M | ||
| Q2 24 | — | $269.7M |
| Q1 26 | $336.2M | — | ||
| Q4 25 | $374.5M | $-17.3M | ||
| Q3 25 | $402.4M | $-25.7M | ||
| Q2 25 | $390.0M | $-29.0M | ||
| Q1 25 | $371.6M | $-29.7M | ||
| Q4 24 | $364.2M | $-35.6M | ||
| Q3 24 | $322.4M | $-42.8M | ||
| Q2 24 | $379.4M | $-44.6M |
| Q1 26 | $432.0M | — | ||
| Q4 25 | $461.1M | $403.2M | ||
| Q3 25 | $492.8M | $407.1M | ||
| Q2 25 | $476.0M | $399.8M | ||
| Q1 25 | $475.0M | $351.9M | ||
| Q4 24 | $437.6M | $349.7M | ||
| Q3 24 | $402.4M | $342.3M | ||
| Q2 24 | $446.2M | $321.4M |
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 | $35.7M | $39.6M |
| Free Cash FlowOCF − Capex | — | $35.2M |
| FCF MarginFCF / Revenue | — | 23.0% |
| Capex IntensityCapex / Revenue | — | 2.9% |
| Cash ConversionOCF / Net Profit | 1.75× | 5.39× |
| TTM Free Cash FlowTrailing 4 quarters | — | $41.3M |
8-quarter trend — quarters aligned by calendar period.
| Q1 26 | $35.7M | — | ||
| Q4 25 | $38.9M | $39.6M | ||
| Q3 25 | $48.5M | $10.0M | ||
| Q2 25 | $17.5M | $4.3M | ||
| Q1 25 | $26.7M | $5.6M | ||
| Q4 24 | $9.9M | $26.7M | ||
| Q3 24 | $29.0M | $12.5M | ||
| Q2 24 | $10.2M | $-4.8M |
| Q1 26 | — | — | ||
| Q4 25 | $38.6M | $35.2M | ||
| Q3 25 | $48.4M | $5.3M | ||
| Q2 25 | $16.8M | $533.0K | ||
| Q1 25 | $26.5M | $292.0K | ||
| Q4 24 | $9.7M | $21.6M | ||
| Q3 24 | $28.9M | $11.1M | ||
| Q2 24 | $9.9M | $-6.0M |
| Q1 26 | — | — | ||
| Q4 25 | 17.1% | 23.0% | ||
| Q3 25 | 22.5% | 3.8% | ||
| Q2 25 | 9.0% | 0.4% | ||
| Q1 25 | 12.7% | 0.2% | ||
| Q4 24 | 5.3% | 17.3% | ||
| Q3 24 | 15.1% | 8.9% | ||
| Q2 24 | 6.6% | -5.0% |
| Q1 26 | — | — | ||
| Q4 25 | 0.1% | 2.9% | ||
| Q3 25 | 0.0% | 3.4% | ||
| Q2 25 | 0.4% | 2.9% | ||
| Q1 25 | 0.1% | 4.3% | ||
| Q4 24 | 0.1% | 4.0% | ||
| Q3 24 | 0.1% | 1.2% | ||
| Q2 24 | 0.2% | 1.0% |
| Q1 26 | 1.75× | — | ||
| Q4 25 | 2.78× | 5.39× | ||
| Q3 25 | 1.84× | 4.32× | ||
| Q2 25 | 2.13× | 8.39× | ||
| Q1 25 | 133.50× | 1.17× | ||
| Q4 24 | 0.26× | 3.94× | ||
| Q3 24 | 290.00× | 9.70× | ||
| Q2 24 | — | -0.79× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
Revenue Breakdown by Segment
NRDS
| Consumer | $197.6M | 89% |
| SMB | $24.6M | 11% |
PMTS
| US Debit And Credit | $128.9M | 84% |
| US Prepaid Debit | $24.4M | 16% |
