On Sunday evening, August 15, 1971, Richard Nixon interrupted regular television programming.
He spoke for 15 minutes.
By the time he finished, the gold standard was over. The dollar was no longer backed by anything except the government’s word. And every dollar in every American’s savings account had quietly changed — not in number, but in what it actually meant.
Nixon didn’t ask Congress. He didn’t hold a debate. He used a single executive authority and by Monday morning the monetary world had shifted.
The people who saw it coming had already moved. Gold tripled in three years. Over the next decade it went up twenty times.
The people who didn’t understand what was happening watched their savings quietly lose value for a decade. They never recovered it.
Here’s what the financial press isn’t saying clearly:
Trump has that same executive authority today.And his own advisors are now openly saying the reversal of what Nixon did is on the table.
If he acts, it moves fast. There are two ways this plays out. Both of them move gold in the same direction.
We put together a free briefing on exactly what Nixon did, why Trump is the first president positioned to reverse it, and the one move Americans can make right now to be on the right side of what comes next.
Free. 30 seconds to request.
Nixon didn’t warn anyone before that Sunday nightbroadcast.
Trump’s advisors are warning you right now.
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NerdWallet’s Growth Story Looks Strong—But Can It Last?
Written by Peter Frank. Date Posted: 4/30/2026.
Key Points
- NerdWallet’s diversification helped offset weakness in credit cards and small-business products.
- Rising marketing costs and dependence on search traffic are pressuring margins and increasing risk.
- Growth in loans and banking is strong, but may not hold if the credit cycle weakens.
- Special Report: Elon Musk: This Could Turn $100 into $100,000
Diversification is powering NerdWallet (NASDAQ: NRDS). The question for investors is whether the economy, consumers, and their internet habits will cooperate.
NerdWallet began as a credit card comparison tool. Today the business spans credit cards, personal loans, mortgages, banking, insurance, small-business products, investing, and student loans.
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That broader mix proved useful last year. After a sharp drop in credit card revenue in the year’s final quarter, gains in personal loans, banking, and auto insurance helped offset the decline.
Whether that momentum can be sustained is what investors are watching.
A Vertical Shift Brought a Strong Performance
On the surface, NerdWallet had an impressive 2025. The company reported revenue of $836.6 million, up 22% from $687.6 million in 2024. Full-year GAAP net income rose 60% to $48.7 million. Non-GAAP operating income doubled to $96 million, and adjusted EBITDA reached $145 million, up 35%.
Operating cash flow nearly doubled to $131.6 million, and the company finished 2025 with $98.3 million in cash and equivalents — roughly 50% more than a year earlier — with relatively little debt.
Fourth-quarter results were also strong. The company delivered a record $225.4 million in revenue, up 23% year over year, and earnings per share of $0.19, both above analysts’ estimates.
Traffic Dependency Remains a Core Risk
Despite the strong results, NerdWallet’s stock has been volatile and mostly lower in recent months. Much of the market’s skepticism is justified: the company’s model still depends heavily on attracting consumers searching for financial products.
When Google changes its algorithm — as it has in recent years — revenue in some NerdWallet categories can fall quickly. The company has been diversifying away from pure SEO reliance, but that strategy has increased spending on paid marketing to acquire customers. Maintaining or increasing those expenses could continue to pressure margins.
Marketing Costs Rise as Organic Traffic Falls
The company’s recent results illustrate both the benefits and the costs of its strategy. GAAP net income for the fourth quarter was $14 million, down 64% from a year earlier, weighed down by a rise in sales and marketing expenses.
That increase reflects a deliberate shift toward performance marketing and other paid channels. As consumers migrate to AI-driven search results, organic Google traffic has declined, weakening referrals for NerdWallet’s credit card vertical and others.
Credit card revenue fell 24% in the fourth quarter, and small- to medium-sized business products declined about 12%. To counter the loss of organic traffic, the company increased performance marketing spending by 40% last year to $417 million.
Where diversification helped was in other verticals. Loans revenue surged 141% year over year to $42.3 million in the fourth quarter. Banking-product revenue rose 57% to $52.9 million, and insurance — the company’s largest revenue generator — increased 13% to $81.2 million.
Diversification Helps But Adds New Risks
That shift worked in 2025, but leaning on loans as a growth driver introduces a different risk: sensitivity to the credit cycle. Loan-originating businesses perform well when consumers borrow freely and lenders compete for customers; they can cool quickly if the economy slows, credit standards tighten, or interest rates rise.
Loans, banking, and insurance are also highly competitive within the financial services sector. NerdWallet faces bank-owned comparison sites and deep-pocketed rivals such as Credit Karma, owned by Intuit (NASDAQ: INTU). Competing effectively requires ongoing product and marketing investment, which can limit profitability unless revenue growth keeps pace.
Management’s guidance for 2026 reflects that caution. For the first quarter, NerdWallet expects revenue of $224–$232 million and adjusted EBITDA of $40–$44 million, compared with $225.4 million in revenue and $36.7 million in adjusted EBITDA in the fourth quarter.
For the full year, the company is targeting GAAP operating income of $72–$89 million and adjusted EBITDA of $143–$158 million, roughly maintaining 2025 profitability levels.
Offsetting some concerns, NerdWallet — which does not pay a dividend — has expanded its share repurchase authorization twice since late last year, increasing the cap from $75 million to $225 million.
Outlook Shows Cautious Expectations
Those adjustments, risks, and uncertainties have left analysts cautious. The eight analysts covering the company collectively carry a Hold rating.
Ratings break down as four Buys, three Holds, and one Sell. The average 12-month target price is $15 per share — roughly 40% upside but only modestly above where the stock started the year (see chart).
NerdWallet isn’t a buy-and-forget stock. Credit-cycle exposure, search traffic dependency, and intense competition are real risks, and the shares can sell off even on otherwise good results if investors focus on specific line items. How much AI continues to pressure search traffic, how the economy and consumers behave through the next cycle, and whether NerdWallet’s diversification is broad enough — those will be the key questions for investors in the year ahead.
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Amazon Takes a Bite Out of Hims: What Its GLP-1 Entrance Means
Written by Leo Miller. Date Posted: 4/28/2026.
Key Points
- After Hims reached a key deal with Novo Nordisk, Amazon rained on the company’s parade.
- Amazon is launching its own weight management platform, offering popular GLP-1s.
- Amazon’s cost and delivery advantages put Hims in a difficult competitive position.
- Special Report: Elon Musk: This Could Turn $100 into $100,000
GLP-1 seller Hims & Hers Health (NYSE: HIMS) has experienced notable volatility in its stock price recently. Despite a 41% single-day surge in early March after Hims and Novo Nordisk A/S (NYSE: NVO), the maker of Wegovy, announced a new collaboration, HIMS remains down nearly 10% in 2026.
Under the agreement, Novo will allow Hims to sell branded versions of its Ozempic and Wegovy injectables, as well as the Wegovy pill. Novo also dropped its lawsuit against Hims. With Novo’s revenues under pressure, Hims will serve as a sales channel for Novo products in the U.S.
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But Hims now faces competition from one of the largest consumer companies in the world: Amazon.com (NASDAQ: AMZN). In mid-April, Amazon added a weight management offering to its One Medical platform, a move that sent HIMS shares down about 4%. Here’s how Amazon is positioning itself and what it could mean for Hims going forward.
Amazon Enters GLP-1 Game Through One Medical
Amazon says the Wegovy pill and Foundayo, Eli Lilly and Company’s (NYSE: LLY) recently approved oral GLP-1 (clinical name orforglipron), will be available through One Medical. Cash-pay prices for the oral drugs start as low as $149 per month, which is broadly in line with Hims’ pricing.
Amazon will also offer injectables for Wegovy and Zepbound, Lilly’s popular weight-loss drug. Cash-pay prices for injectables start as low as $299 per month. While Zepbound pricing matches Hims, Hims currently lists Wegovy injectables starting at $199.
Both Hims and One Medical require a membership fee. On this front, Amazon has a clear advantage: Amazon Prime members can add a One Medical membership for just $9 a month or $99 per year. By comparison, Hims charges $39 for the first month and $149 per year thereafter.
Amazon is also offering same-day GLP-1 delivery to nearly 3,000 cities and plans to expand to 4,500 cities by the end of 2026. Hims notes delivery times of “as early as two days to a week.”
Amazon’s Lower Cost, Faster Delivery: A Problem for Hims
Even if Amazon isn’t explicitly trying to undercut Hims on drug pricing, its lower membership fee and faster delivery create a compelling value proposition for consumers. For example, an injectable Wegovy prescription through One Medical would cost roughly $3,700 per year before taxes for Amazon Prime members; the same prescription through Hims would total above $4,000. For injectable Zepbound, the difference is starker — near $3,700 annually on One Medical versus more than $5,000 at Hims.
These price and delivery differences pose a meaningful competitive challenge. Capital One estimates roughly 180.1 million Amazon Prime members in the U.S., so for a large share of the population it may not make economic sense to choose Hims over One Medical. An Amazon Prime membership costs about $139 per year, meaning a consumer could pay less overall by bundling Prime with a One Medical membership than by subscribing directly to Hims.
That said, whether consumers will actually switch is uncertain. Hims has built a sizable customer base of over 2.5 million subscribers and remains a fast-growing business. Sales reached $2.35 billion in 2025, up 59% year over year, although analysts expect growth to moderate to about 16% in 2026.
Hims is no stranger to competition — several similar companies have entered the market in recent years — but none match the scale and reach that Amazon brings.
Hims Faces Greater Competition, Mixed Analyst Support
It will likely take several quarters to see whether Amazon’s entry materially hurts Hims’ growth. Hims’ next earnings report will cover Q1 2026, before One Medical’s GLP-1 launch. Given Amazon’s position as one of the most powerful consumer companies globally, the long-term risks to Hims are real.
Analysts remain divided on Hims stock. MarketBeat currently tracks 13 Hold ratings, four Buys, and one Sell.
The MarketBeat consensus price target near $32.50 implies roughly 10% upside. However, targets updated after the company’s February earnings report are less optimistic, averaging about $26.30 — a level that implies roughly 10% downside.
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