NerdWallet Q4 2025 Earnings Preview
Written by Emily J. Thompson, Senior Investment Analyst
Updated: Feb 23 2026
0mins
Should l Buy LC?
Source: NASDAQ.COM
- Earnings Release Date: NerdWallet is set to release its Q4 2025 earnings on February 25, after the market closes, with expectations for strong performance in revenue and earnings, particularly after a robust earnings beat in Q3.
- Revenue Growth Expectations: The revenue for Q4 is projected at $211.9 million, reflecting a 15.3% year-over-year increase, while earnings per share are expected to rise significantly to 17 cents from 1 cent a year ago, showcasing the company's ongoing efforts in product diversification and traffic monetization.
- Operating Income Outlook: The company anticipates adjusted EBITDA for 2025 to be between $141 million and $145 million, up from the previous guidance of $106 million to $116 million, indicating management's confidence in structural margin expansion and improving cash flow generation.
- Market Performance Comparison: In Q4 2025, NerdWallet's stock outperformed peer FUTU Holdings but underperformed Lending Club, highlighting the need for NerdWallet to strengthen its market position in a competitive landscape.
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Analyst Views on LC
Wall Street analysts forecast LC stock price to rise
9 Analyst Rating
8 Buy
1 Hold
0 Sell
Strong Buy
Current: 14.860
Low
20.00
Averages
23.00
High
26.00
Current: 14.860
Low
20.00
Averages
23.00
High
26.00
About LC
LendingClub Corporation is a bank holding company. The Company operates its business, through its subsidiary, LendingClub Bank, National Association (LC Bank). LC Bank is the digital marketplace bank in the United States where members can access a range of financial products and services designed to help them pay less when borrowing and earn more when saving. It offers a suite of deposit and loan products through a smart, simple and rewarding digital experience. LC Bank retains loans and funds those loans directly with its own capital and deposits. LC Bank’s primary loan products include unsecured personal loans, secured auto refinance loans, and patient and education finance loans. LC Bank’s commercial lending business is primarily focused on small businesses, and it participates in the United States small business administration lending programs. LC Bank’s deposit business includes sourcing deposits directly from customers and from third-party marketing channels and deposit brokers.
About the author
Emily J. Thompson
Emily J. Thompson, a Chartered Financial Analyst (CFA) with 12 years in investment research, graduated with honors from the Wharton School. Specializing in industrial and technology stocks, she provides in-depth analysis for Intellectia’s earnings and market brief reports.
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- Revenue Growth Expectations: The revenue for Q4 is projected at $211.9 million, reflecting a 15.3% year-over-year increase, while earnings per share are expected to rise significantly to 17 cents from 1 cent a year ago, showcasing the company's ongoing efforts in product diversification and traffic monetization.
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- Significant Volume Increase: SoFi's trading volume reached 71.2 million shares, 24% above the three-month average of 57.3 million shares, reflecting heightened market interest in SoFi's stock and potentially laying the groundwork for future price appreciation.
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- CEO Insider Purchase: CEO Anthony Noto's insider purchase of approximately $1 million marks his first stock buy in over a year, potentially signaling confidence in the company's future prospects.
- Significant Trading Volume: SoFi's trading volume reached 71.2 million shares, 24% above its three-month average, indicating increased market interest in its stock, which could lay the groundwork for future price appreciation.
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- Strong Financials: In the latest quarter, SoFi reported over $1 billion in revenue and a record net income of $174 million, demonstrating solid growth in its banking platform beyond student loan refinancing.
- Market Reaction: Although J.P. Morgan upgraded the stock to Overweight with a $31 price target, SoFi's shares remain over 42% below their November peak, indicating a waning investor appetite for growth-oriented financial platforms.
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- Surge in Trading Volume: The company saw a trading volume of 82 million shares on Monday, approximately 49% above its three-month average of 54.9 million shares, highlighting heightened market interest in its stock.
- Financial Performance: In the latest quarter, SoFi reported over $1 billion in revenue and a record net income of $174 million, demonstrating progress in expanding its banking platform beyond student loan refinancing.
- Market Pressure: SoFi's stock is now over 42% below its November high, reflecting a shift in investor appetite for growth-oriented financial platforms amid a weaker overall market environment.
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- Revenue Growth Expectations: The revenue for Q4 is projected at $211.9 million, reflecting a 15.3% year-over-year increase, while earnings per share are expected to rise significantly to 17 cents from 1 cent a year ago, showcasing the company's ongoing efforts in product diversification and traffic monetization.
- Operating Income Outlook: The company anticipates adjusted EBITDA for 2025 to be between $141 million and $145 million, up from the previous guidance of $106 million to $116 million, indicating management's confidence in structural margin expansion and improving cash flow generation.
- Market Performance Comparison: In Q4 2025, NerdWallet's stock outperformed peer FUTU Holdings but underperformed Lending Club, highlighting the need for NerdWallet to strengthen its market position in a competitive landscape.
See More
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- Rising Borrower Numbers: Approximately 7.9 million student loan borrowers entered delinquency in the first three quarters of 2025, which not only affects their credit scores but also hinders their ability to achieve life milestones such as home and car ownership.
- Credit Score Decline: The study estimates that around 2 million delinquent borrowers have seen their credit scores drop to an average of 580 from 680, significantly below the acceptable range, which will directly impact their future borrowing ability and costs.
- Severe Issues in Southern States: The analysis indicates that states like Louisiana and Mississippi have delinquency rates nearing 40%, with over 48% of Black borrowers being delinquent, highlighting significant racial disparities in repayment capabilities that could exacerbate socioeconomic inequalities.
See More
