NerdWallet, Inc. (NRDS) Q3 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:06.178 and thank you for standing by. Welcome to the NerdWallet Incorporated Q3 2025 00:00:06.178 -- 00:00:12.445 earnings call. At this time, all participants are in listen-in mode. 00:00:12.445 -- 00:00:16.951 After the speaker's presentation, there will be a question and answer session. 00:00:16.951 -- 00:00:22.096 To ask a question during the session, you will need to press star 11 on your telephone. 00:00:22.096 -- 00:00:26.462 You will then hear an auto message advising your hand is raised. 00:00:26.462 -- 00:00:31.532 To withdraw your question, please star 11 again on your phone. 00:00:31.532 -- 00:00:35.476 Please be advised that today's conference call is being recorded. 00:00:35.476 -- 00:00:39.180 I would like to hand over the conference call to our first speaker, Mr. 00:00:39.180 -- 00:00:45.104 Rob Farris, Vice President for Finance. Please go ahead. 00:00:45.947 -- 00:00:51.914 Thank you, operator. Welcome to the NerdWallet Q3 2025 earnings call. 00:00:51.914 -- 00:00:56.174 Joining us today, our co-founder and chief executive officer, Tim Chen. 00:00:56.174 -- 00:01:01.199 and Chief Financial Officer John Lee. Our press release and shareholder letter are 00:01:01.199 -- 00:01:05.563 available on our Investor Relations website, and a replay of this update will also be 00:01:05.563 -- 00:01:08.826 available following the conclusion of today's call. 00:01:08.826 -- 00:01:13.350 We intend to use our Investor Relations website as a means of disclosing certain material 00:01:13.350 -- 00:01:18.535 information and complying with disclosure obligations under SEC Regulation FD from 00:01:18.535 -- 00:01:24.878 time to time. As a reminder, today's call is being webcast live and recorded. 00:01:24.878 -- 00:01:29.342 Before we begin t...