vs
Side-by-side financial comparison of NERDWALLET, INC. (NRDS) and LiveRamp Holdings, Inc. (RAMP). Click either name above to swap in a different company.
NERDWALLET, INC. is the larger business by last-quarter revenue ($225.4M vs $212.2M, roughly 1.1× LiveRamp Holdings, Inc.). LiveRamp Holdings, Inc. runs the higher net margin — 18.8% vs 6.2%, a 12.6% gap on every dollar of revenue. On growth, NERDWALLET, INC. posted the faster year-over-year revenue change (22.6% vs 8.6%). Over the past eight quarters, NERDWALLET, INC.'s revenue compounded faster (18.0% CAGR vs 11.1%).
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.
LiveRamp Holdings, Inc., is an American SaaS company that offers a data connectivity platform whose services include data onboarding, the transfer of offline data online for marketing purposes.
NRDS vs RAMP — Head-to-Head
Income Statement — Q4 FY2025 vs Q3 FY2026
| Metric | | |
|---|---|---|
| Revenue | $225.4M | $212.2M |
| Net Profit | $14.0M | $39.9M |
| Gross Margin | 94.0% | 71.9% |
| Operating Margin | 8.6% | 18.6% |
| Net Margin | 6.2% | 18.8% |
| Revenue YoY | 22.6% | 8.6% |
| Net Profit YoY | -63.7% | 255.7% |
| EPS (diluted) | $0.19 | $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.
| Q4 25 | $225.4M | $212.2M | ||
| Q3 25 | $215.1M | $199.8M | ||
| Q2 25 | $186.9M | $194.8M | ||
| Q1 25 | $209.2M | $188.7M | ||
| Q4 24 | $183.8M | $195.4M | ||
| Q3 24 | $191.3M | $185.5M | ||
| Q2 24 | $150.6M | $176.0M | ||
| Q1 24 | $161.9M | $171.9M |
| Q4 25 | $14.0M | $39.9M | ||
| Q3 25 | $26.3M | $27.4M | ||
| Q2 25 | $8.2M | $7.7M | ||
| Q1 25 | $200.0K | $-6.3M | ||
| Q4 24 | $38.6M | $11.2M | ||
| Q3 24 | $100.0K | $1.7M | ||
| Q2 24 | $-9.4M | $-7.5M | ||
| Q1 24 | $1.1M | $-5.4M |
| Q4 25 | 94.0% | 71.9% | ||
| Q3 25 | 92.9% | 70.2% | ||
| Q2 25 | 91.1% | 70.1% | ||
| Q1 25 | 91.3% | 69.3% | ||
| Q4 24 | 90.9% | 71.9% | ||
| Q3 24 | 90.7% | 72.4% | ||
| Q2 24 | 90.1% | 70.6% | ||
| Q1 24 | 91.2% | 72.2% |
| Q4 25 | 8.6% | 18.6% | ||
| Q3 25 | 16.0% | 10.7% | ||
| Q2 25 | 5.7% | 3.7% | ||
| Q1 25 | 0.3% | -6.1% | ||
| Q4 24 | 4.7% | 7.5% | ||
| Q3 24 | 3.5% | 4.0% | ||
| Q2 24 | -6.4% | -3.0% | ||
| Q1 24 | 2.3% | -8.3% |
| Q4 25 | 6.2% | 18.8% | ||
| Q3 25 | 12.2% | 13.7% | ||
| Q2 25 | 4.4% | 4.0% | ||
| Q1 25 | 0.1% | -3.3% | ||
| Q4 24 | 21.0% | 5.7% | ||
| Q3 24 | 0.1% | 0.9% | ||
| Q2 24 | -6.2% | -4.3% | ||
| Q1 24 | 0.7% | -3.1% |
| Q4 25 | $0.19 | $0.62 | ||
| Q3 25 | $0.34 | $0.42 | ||
| Q2 25 | $0.11 | $0.12 | ||
| Q1 25 | $0.00 | $-0.10 | ||
| Q4 24 | $0.49 | $0.17 | ||
| Q3 24 | $0.00 | $0.03 | ||
| Q2 24 | $-0.12 | $-0.11 | ||
| Q1 24 | $0.01 | $-0.09 |
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 | $403.4M |
| Total DebtLower is stronger | — | — |
| Stockholders' EquityBook value | $374.5M | $962.3M |
| Total Assets | $461.1M | $1.3B |
| Debt / EquityLower = less leverage | — | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $98.3M | $403.4M | ||
| Q3 25 | $120.6M | $376.9M | ||
| Q2 25 | $105.3M | $371.1M | ||
| Q1 25 | $92.2M | $420.8M | ||
| Q4 24 | $66.3M | $384.3M | ||
| Q3 24 | $71.7M | $348.4M | ||
| Q2 24 | $113.8M | $342.7M | ||
| Q1 24 | $110.9M | $368.9M |
| Q4 25 | $374.5M | $962.3M | ||
| Q3 25 | $402.4M | $943.8M | ||
| Q2 25 | $390.0M | $947.8M | ||
| Q1 25 | $371.6M | $948.9M | ||
| Q4 24 | $364.2M | $957.7M | ||
| Q3 24 | $322.4M | $932.1M | ||
| Q2 24 | $379.4M | $951.9M | ||
| Q1 24 | $378.7M | $949.1M |
| Q4 25 | $461.1M | $1.3B | ||
| Q3 25 | $492.8M | $1.2B | ||
| Q2 25 | $476.0M | $1.2B | ||
| Q1 25 | $475.0M | $1.3B | ||
| Q4 24 | $437.6M | $1.3B | ||
| Q3 24 | $402.4M | $1.2B | ||
| Q2 24 | $446.2M | $1.2B | ||
| Q1 24 | $446.1M | $1.2B |
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 | — |
| Free Cash FlowOCF − Capex | $38.6M | — |
| FCF MarginFCF / Revenue | 17.1% | — |
| Capex IntensityCapex / Revenue | 0.1% | 0.1% |
| Cash ConversionOCF / Net Profit | 2.78× | — |
| TTM Free Cash FlowTrailing 4 quarters | $130.3M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $38.9M | — | ||
| Q3 25 | $48.5M | $57.4M | ||
| Q2 25 | $17.5M | $-15.8M | ||
| Q1 25 | $26.7M | — | ||
| Q4 24 | $9.9M | $45.1M | ||
| Q3 24 | $29.0M | $55.6M | ||
| Q2 24 | $10.2M | $-9.3M | ||
| Q1 24 | $22.7M | — |
| Q4 25 | $38.6M | — | ||
| Q3 25 | $48.4M | $56.8M | ||
| Q2 25 | $16.8M | $-16.2M | ||
| Q1 25 | $26.5M | — | ||
| Q4 24 | $9.7M | $44.8M | ||
| Q3 24 | $28.9M | $55.4M | ||
| Q2 24 | $9.9M | $-9.6M | ||
| Q1 24 | — | — |
| Q4 25 | 17.1% | — | ||
| Q3 25 | 22.5% | 28.4% | ||
| Q2 25 | 9.0% | -8.3% | ||
| Q1 25 | 12.7% | — | ||
| Q4 24 | 5.3% | 22.9% | ||
| Q3 24 | 15.1% | 29.8% | ||
| Q2 24 | 6.6% | -5.4% | ||
| Q1 24 | — | — |
| Q4 25 | 0.1% | 0.1% | ||
| Q3 25 | 0.0% | 0.3% | ||
| Q2 25 | 0.4% | 0.2% | ||
| Q1 25 | 0.1% | 0.2% | ||
| Q4 24 | 0.1% | 0.1% | ||
| Q3 24 | 0.1% | 0.1% | ||
| Q2 24 | 0.2% | 0.1% | ||
| Q1 24 | 0.0% | 1.0% |
| Q4 25 | 2.78× | — | ||
| Q3 25 | 1.84× | 2.09× | ||
| Q2 25 | 2.13× | -2.04× | ||
| Q1 25 | 133.50× | — | ||
| Q4 24 | 0.26× | 4.02× | ||
| Q3 24 | 290.00× | 32.10× | ||
| Q2 24 | — | — | ||
| Q1 24 | 20.64× | — |
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% |
RAMP
Segment breakdown not available.
