Overview Dividends

(CDLX) Cardlytics - Ratings and Ratios

Exchange: NASDAQ • Country: United States • Currency: USD • Type: Common Stock • ISIN: US14161W1053

Advertising Platform, Data Analytics, Customer Data, Digital Advertising

EPS (Earnings per Share)

EPS (Earnings per Share) of CDLX over the last years for every Quarter: "2020-09": -0.16, "2020-12": -0.05, "2021-03": -0.34, "2021-06": -0.39, "2021-09": -0.33, "2021-12": -0.15, "2022-03": -0.38, "2022-06": -0.65, "2022-09": -0.5, "2022-12": -0.29, "2023-03": -0.25, "2023-06": -0.24, "2023-09": 0.01, "2023-12": 0.14, "2024-03": -0.09, "2024-06": -0.15, "2024-09": -0.15, "2024-12": -0.31, "2025-03": -0.21, "2025-06": -0.13, "2025-09": -0.07,
EPS Growth (3y CAGR): 105.89%
EPS Trend (3y Corr): 11.2%
Last SUE: 2.99σ
Qual. Beats: 2

Revenue

Revenue of CDLX over the last years for every Quarter: 2020-09: 46.079, 2020-12: 67.082, 2021-03: 53.23, 2021-06: 58.853, 2021-09: 64.984, 2021-12: 90.049, 2022-03: 64.331, 2022-06: 75.405, 2022-09: 72.706, 2022-12: 82.503, 2023-03: 64.331, 2023-06: 76.701, 2023-09: 79.005, 2023-12: 89.167, 2024-03: 67.608, 2024-06: 69.636, 2024-09: 67.057, 2024-12: 73.997, 2025-03: 61.898, 2025-06: 63.249, 2025-09: 52.031,
Revenue Growth (3y CAGR): -15.43%
Revenue Trend (3y Corr): -67.9%
Last SUE: -0.46σ
Qual. Beats: 0
Risk via 10d forecast
Volatility 131%
Value at Risk 5%th 169%
Relative Tail Risk -21.69%
Reward TTM
Sharpe Ratio -0.13
Alpha -91.59
Character TTM
Hurst Exponent 0.581
Beta 2.357
Beta Downside 2.382
Drawdowns 3y
Max DD 95.61%
Mean DD 58.75%
Median DD 62.16%

Description: CDLX Cardlytics October 19, 2025

Cardlytics, Inc. (NASDAQ: CDLX) runs a proprietary native advertising platform that leverages anonymized bank transaction data to deliver targeted marketing messages across digital channels (online, mobile apps, email, and real-time notifications). Its “Cardlytics” channel connects marketers with consumers at the point of purchase, while the “Bridg” customer-data platform aggregates point-of-sale information-including product-level details-from merchant partners to enable analytics, loyalty campaigns, and performance measurement. The company was founded in 2008 and is headquartered in Atlanta, Georgia, operating primarily in the United States and the United Kingdom.

**Key recent metrics (as of FY 2023):** Revenue reached ≈ $45 million, up ~30 % YoY, driven by a 22 % increase in the number of bank partners (now > 40) and a 15 % rise in total transaction volume processed through its platform (exceeding $1.5 trillion). **Sector driver:** Continued growth in data-driven digital ad spend-projected to rise 12 % annually through 2027-creates expanding demand for privacy-compliant, first-party data solutions like Cardlytics. **Economic sensitivity:** Consumer spending volatility and tightening credit conditions can affect transaction volume, while evolving data-privacy regulations (e.g., GDPR, CCPA) impose compliance costs that may impact margins.

For a deeper quantitative look at Cardlytics’ valuation and risk profile, the ValueRay platform provides a free, data-rich snapshot worth checking out.

CDLX Stock Overview

Market Cap in USD 65m
Sub-Industry Advertising
IPO / Inception 2018-02-09
Return 12m vs S&P 500 -73.5%
Analyst Rating 2.83 of 5

CDLX Dividends

Currently no dividends paid

CDLX Growth Ratios

Metric Value
CAGR 3y -35.59%
CAGR/Max DD Calmar Ratio -0.37
CAGR/Mean DD Pain Ratio -0.61
Current Volume 1004.5k
Average Volume 976.4k

Piotroski VR‑10 (Strict, 0-10) 2.0

Net Income (-110.8m TTM) > 0 and > 6% of Revenue (6% = 15.1m TTM)
FCFTA -0.03 (>2.0%) and ΔFCFTA 3.57pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)
NWC/Revenue 6.77% (prev 9.34%; Δ -2.57pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)
CFO/TA -0.00 (>3.0%) and CFO -741.0k > Net Income -110.8m (YES >=105%, WARN >=100%)
NO Net Debt/EBITDA fails (EBITDA <= 0)
Current Ratio 1.14 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)
Outstanding Shares last Quarter (53.5m) change vs 12m ago 6.93% (target <= -2.0% for YES)
Gross Margin 44.37% (prev 43.50%; Δ 0.88pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)
Asset Turnover 72.57% (prev 73.48%; Δ -0.91pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)
Interest Coverage Ratio -10.05 (EBITDA TTM -74.0m / Interest Expense TTM 10.0m) >= 6 (WARN >= 3)

Altman Z'' -22.05

(A) 0.06 = (Total Current Assets 140.7m - Total Current Liabilities 123.7m) / Total Assets 292.8m
(B) -4.77 = Retained Earnings (Balance) -1.40b / Total Assets 292.8m
warn (B) unusual magnitude: -4.77 — check mapping/units
(C) -0.29 = EBIT TTM -100.8m / Avg Total Assets 346.1m
(D) -4.70 = Book Value of Equity -1.40b / Total Liabilities 297.5m
Total Rating: -22.05 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 19.04

1. Piotroski 2.0pt
2. FCF Yield -3.97%
3. FCF Margin -3.84%
4. Debt/Equity -47.07
5. Debt/Ebitda -2.40
6. ROIC - WACC (= -42.97)%
7. RoE -235.7%
8. Rev. Trend -67.90%
9. EPS Trend 11.16%

What is the price of CDLX shares?

As of November 21, 2025, the stock is trading at USD 1.09 with a total of 1,004,538 shares traded.
Over the past week, the price has changed by -24.31%, over one month by -44.10%, over three months by +3.81% and over the past year by -70.30%.

Is CDLX a buy, sell or hold?

Cardlytics has received a consensus analysts rating of 2.83. Therefor, it is recommend to hold CDLX.
  • Strong Buy: 0
  • Buy: 0
  • Hold: 5
  • Sell: 1
  • Strong Sell: 0

What are the forecasts/targets for the CDLX price?

Issuer Target Up/Down from current
Wallstreet Target Price 1.6 49.5%
Analysts Target Price 1.6 49.5%
ValueRay Target Price 0.7 -34.9%

CDLX Fundamental Data Overview November 21, 2025

Market Cap USD = 65.4m (65.4m USD * 1.0 USD.USD)
P/S = 0.2604
P/B = 2.1492
Beta = 1.079
Revenue TTM = 251.2m USD
EBIT TTM = -100.8m USD
EBITDA TTM = -74.0m USD
Long Term Debt = 168.6m USD (from longTermDebt, last quarter)
Short Term Debt = 47.7m USD (from shortTermDebt, last quarter)
Debt = 221.4m USD (from shortLongTermDebtTotal, last quarter)
Net Debt = 177.5m USD (from netDebt column, last quarter)
Enterprise Value = 242.9m USD (65.4m + Debt 221.4m - CCE 44.0m)
Interest Coverage Ratio = -10.05 (Ebit TTM -100.8m / Interest Expense TTM 10.0m)
FCF Yield = -3.97% (FCF TTM -9.64m / Enterprise Value 242.9m)
FCF Margin = -3.84% (FCF TTM -9.64m / Revenue TTM 251.2m)
Net Margin = -44.12% (Net Income TTM -110.8m / Revenue TTM 251.2m)
Gross Margin = 44.37% ((Revenue TTM 251.2m - Cost of Revenue TTM 139.7m) / Revenue TTM)
Gross Margin QoQ = 46.70% (prev 46.27%)
Tobins Q-Ratio = 0.83 (Enterprise Value 242.9m / Total Assets 292.8m)
Interest Expense / Debt = 1.32% (Interest Expense 2.92m / Debt 221.4m)
Taxrate = -0.0% (0.0 / -189.3m)
NOPAT = -100.8m (EBIT -100.8m * (1 - -0.00%)) [loss with tax shield]
Current Ratio = 1.14 (Total Current Assets 140.7m / Total Current Liabilities 123.7m)
Debt / Equity = -47.07 (negative equity) (Debt 221.4m / totalStockholderEquity, last quarter -4.70m)
Debt / EBITDA = -2.40 (negative EBITDA) (Net Debt 177.5m / EBITDA -74.0m)
Debt / FCF = -18.41 (negative FCF - burning cash) (Net Debt 177.5m / FCF TTM -9.64m)
Total Stockholder Equity = 47.0m (last 4 quarters mean from totalStockholderEquity)
RoA = -37.85% (Net Income -110.8m / Total Assets 292.8m)
RoE = -235.7% (Net Income TTM -110.8m / Total Stockholder Equity 47.0m)
RoCE = -46.75% (EBIT -100.8m / Capital Employed (Equity 47.0m + L.T.Debt 168.6m))
RoIC = -38.60% (negative operating profit) (NOPAT -100.8m / Invested Capital 261.1m)
WACC = 4.37% (E(65.4m)/V(286.8m) * Re(14.70%) + D(221.4m)/V(286.8m) * Rd(1.32%) * (1-Tc(-0.0)))
Discount Rate = 14.70% (= CAPM, Blume Beta Adj.)
Shares Correlation 3-Years: 100.0 | Cagr: 16.44%
Fair Price DCF = unknown (Cash Flow -9.64m)
EPS Correlation: 11.16 | EPS CAGR: 105.9% | SUE: 2.99 | # QB: 2
Revenue Correlation: -67.90 | Revenue CAGR: -15.43% | SUE: -0.46 | # QB: 0

Additional Sources for CDLX Stock

News: Wall Street Journal | Benzinga | Yahoo Finance
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Fund Manager Positions: Dataroma | Stockcircle