NerdWallet, Inc. (NRDS) Q4 2025 Earnings Call

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WEBVTT 00:00:00.031 -- 00:00:05.719 Good day, and thank you for standing by. Welcome to the NerdWallet Q4 2025 00:00:05.719 -- 00:00:10.685 earnings call. At this time, all participants are in listen-only mode. 00:00:10.685 -- 00:00:14.511 After the speaker's presentation, there will be a question and answer session. 00:00:14.511 -- 00:00:19.297 To ask a question during this session, you need to press star one one on your telephone. 00:00:19.297 -- 00:00:23.743 You will then hear an automated message advising your hand is raised. 00:00:23.743 -- 00:00:28.676 To withdraw your question, please press star one one again Please be advised that today's 00:00:28.676 -- 00:00:32.619 conference is being recorded. I would now like to hand the conference over to your first 00:00:32.619 -- 00:00:38.282 speaker today, Rob Ferris, VP of Finance. Please go ahead. 00:00:38.965 -- 00:00:44.169 Thank you, operator. Welcome to the NerdWallet Q4 and full year 2025 00:00:44.169 -- 00:00:49.253 earnings call. Joining us today are co-founder and chief executive officer, Tim 00:00:49.253 -- 00:00:53.337 Chen, and chief financial officer, John Lee. 00:00:53.337 -- 00:00:57.693 Our press release and shareholder letter are available on our investor relations website, 00:00:57.693 -- 00:01:01.418 and a replay of this update will also be available following the conclusion of today's 00:01:01.418 -- 00:01:06.344 call. We intend to use our investor relations website as a means of disclosing certain 00:01:06.344 -- 00:01:11.650 material information and complying with disclosure obligations under SEC Regulation 00:01:11.650 -- 00:01:17.017 FD from time to time. As a reminder, today's call is being webcast live and 00:01:17.017 -- 00:01:18.779 recorded. 00:01:18.779 -- 00:01:22.864 Before we begin to...