Overview Dividends

(CDLX) Cardlytics - Ratings and Ratios

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

Advertising Platform, Customer Data Platform, Targeted Marketing, Analytics

CDLX EPS (Earnings per Share)

EPS Growth (3Y CAGR): -31.38%
EPS Trend (3Y Correlation): -0.3%

CDLX Revenue

Revenue Growth (3Y CAGR): -4.94%
Revenue Trend (3Y Correlation): -56.0%

Description: CDLX Cardlytics

Cardlytics, Inc. is a pioneering advertising platform operator in the US and UK, leveraging its proprietary technology to enable marketers to reach customers through various digital channels. The companys flagship product, the Cardlytics platform, is a native bank advertising channel that utilizes real-time data to deliver targeted advertisements. Additionally, its Bridg platform is a customer data platform that harnesses point-of-sale data from merchant partners, providing marketers with actionable insights to optimize their loyalty marketing strategies and measure campaign effectiveness.

By integrating purchase data with digital marketing, Cardlytics offers a unique value proposition to its clients. The companys ability to provide product-level purchase data enables marketers to tailor their campaigns with unprecedented precision. With its headquarters in Atlanta, Georgia, Cardlytics has established itself as a key player in the advertising technology space since its inception in 2008.

Analyzing the , we observe that the stock has been trending upwards in the short term, with the SMA20 and SMA50 at $1.80 and $1.84, respectively. However, the SMA200 at $3.25 indicates a significant drop in the stocks value over the past year. The ATR of 0.20 represents a 9.91% volatility, suggesting a relatively high level of price fluctuation. Considering the , the companys Market Cap stands at $113.22M USD, with a negative P/E ratio indicating unprofitability. The RoE of -137.96 further highlights the companys current financial struggles.

Based on the and , a forecast for Cardlytics Inc. (CDLX) can be derived. While the short-term trend is positive, the long-term trend is concerning. If the company can address its profitability issues and improve its financials, the stock may experience a significant rebound. A potential target price could be around $4.50, representing a 118% increase from the current price of $2.06. However, this is contingent upon the companys ability to demonstrate substantial growth and improve its financial metrics. Until then, the stock remains a high-risk investment.

CDLX Stock Overview

Market Cap in USD	58m
Sub-Industry	Advertising
IPO / Inception	2018-02-09

CDLX Stock Ratings

Growth Rating	-88.9%
Fundamental	12.7%
Dividend Rating	-
Return 12m vs S&P 500	-78.5%
Analyst Rating	2.83 of 5

CDLX Dividends

Currently no dividends paid

CDLX Growth Ratios

Growth Correlation 3m	-40%
Growth Correlation 12m	-83.7%
Growth Correlation 5y	-89.5%
CAGR 5y	-57.90%
CAGR/Max DD 5y	-0.58
Sharpe Ratio 12m	-1.30
Alpha	-106.98
Beta	2.259
Volatility	104.46%
Current Volume	891k
Average Volume 20d	1413.2k
Stop Loss	0.9 (-11.8%)
Signal	-2.80

Piotroski VR‑10 (Strict, 0-10) 2.0

Net Income (-183.3m TTM) > 0 and > 6% of Revenue (6% = 16.0m TTM)

FCFTA -0.08 (>2.0%) and ΔFCFTA -5.43pp (YES ≥ +1.0pp, WARN ≥ +0.5pp)

NWC/Revenue 7.98% (prev 26.43%; Δ -18.45pp) (YES ≤20% & Δ≤-1pp; WARN ≤25% & Δ≤0 oder ≤40% & Δ≤-3pp)

CFO/TA -0.00 (>3.0%) and CFO -1.12m > Net Income -183.3m (YES >=105%, WARN >=100%)

NO Net Debt/EBITDA fails (EBITDA <= 0)

Current Ratio 1.16 (target 1.5–3.0; WARN 1.2–<1.5 or >3.0–5.0; CFO/TA gate active)

Outstanding Shares last Quarter (52.8m) change vs 12m ago 7.53% (target <= -2.0% for YES)

Gross Margin 43.69% (prev 44.89%; Δ -1.20pp) >=18% & Δ>=+0.5pp (WARN >=15% & Δ>=0)

Asset Turnover 59.45% (prev 57.15%; Δ 2.30pp) >=50% & Δ>=+2pp (WARN >=35% & Δ>=0)

Interest Coverage Ratio -18.36 (EBITDA TTM -146.6m / Interest Expense TTM 9.47m) >= 6 (WARN >= 3)

Altman Z'' -18.77

(A) 0.06 = (Total Current Assets 150.4m - Total Current Liabilities 129.1m) / Total Assets 361.1m

(B) -3.66 = Retained Earnings (Balance) -1.32b / Total Assets 361.1m

warn (B) unusual magnitude: -3.66 — check mapping/units

(D) -4.39 = Book Value of Equity -1.33b / Total Liabilities 302.4m

Total Rating: -18.77 = (6.56 * A) + (3.26 * B) + (6.72 * C) + (1.05 * D)

ValueRay F-Score (Strict, 0-100) 12.73

1. Piotroski 2.0pt = -3.0

2. FCF Yield -12.40% = -5.0

3. FCF Margin -10.56% = -3.96

4. Debt/Equity 3.67 = -1.68

5. Debt/Ebitda -1.47 = -2.50

6. ROIC - WACC -65.96% = -12.50

7. RoE -279.4% = -2.50

8. Rev. Trend -56.04% = -2.80

9. Rev. CAGR -4.94% = -0.82

10. EPS Trend -0.26% = -0.01

11. EPS CAGR -31.38% = -2.50

What is the price of CDLX shares?

As of September 01, 2025, the stock is trading at USD 1.02 with a total of 890,964 shares traded.
Over the past week, the price has changed by -8.11%, over one month by -50.96%, over three months by -45.16% and over the past year by -74.81%.

Is Cardlytics a good stock to buy?

No, based on ValueRay´s Fundamental Analyses, Cardlytics (NASDAQ:CDLX) is currently (September 2025) a stock to sell. It has a ValueRay Fundamental Rating of 12.73 and therefor a negative outlook according to the companies health.
Based on momentum, paid dividends and discounted-cash-flow analyses, the fair value of CDLX is around 0.44 USD . This means that CDLX is currently overvalued and has a potential downside of -56.86%.

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	59.8%
Analysts Target Price	1.6	59.8%
ValueRay Target Price	0.5	-53.9%

Last update: 2025-08-26 04:33

CDLX Fundamental Data Overview

Market Cap USD = 58.0m (58.0m USD * 1.0 USD.USD)
CCE Cash And Equivalents = 46.7m USD (Cash And Short Term Investments, last quarter)
P/S = 0.218
P/B = 1.0066
Beta = 1.271
Revenue TTM = 266.2m USD
EBIT TTM = -173.9m USD
EBITDA TTM = -146.6m USD
Long Term Debt = 168.3m USD (from longTermDebt, last quarter)
Short Term Debt = 47.2m USD (from shortTermDebt, last quarter)
Debt = 215.5m USD (Calculated: Short Term 47.2m + Long Term 168.3m)
Net Debt = 173.7m USD (from netDebt column, last quarter)
Enterprise Value = 226.8m USD (58.0m + Debt 215.5m - CCE 46.7m)
Interest Coverage Ratio = -18.36 (Ebit TTM -173.9m / Interest Expense TTM 9.47m)
FCF Yield = -12.40% (FCF TTM -28.1m / Enterprise Value 226.8m)
FCF Margin = -10.56% (FCF TTM -28.1m / Revenue TTM 266.2m)
Net Margin = -68.87% (Net Income TTM -183.3m / Revenue TTM 266.2m)
Gross Margin = 43.69% ((Revenue TTM 266.2m - Cost of Revenue TTM 149.9m) / Revenue TTM)
Tobins Q-Ratio = -0.17 (set to none) (Enterprise Value 226.8m / Book Value Of Equity -1.33b)
Interest Expense / Debt = 1.10% (Interest Expense 2.37m / Debt 215.5m)
Taxrate = 21.0% (US default)
NOPAT = -173.9m (EBIT -173.9m, no tax applied on loss)
Current Ratio = 1.16 (Total Current Assets 150.4m / Total Current Liabilities 129.1m)
Debt / Equity = 3.67 (Debt 215.5m / last Quarter total Stockholder Equity 58.7m)
Debt / EBITDA = -1.47 (Net Debt 173.7m / EBITDA -146.6m)
Debt / FCF = -7.66 (Debt 215.5m / FCF TTM -28.1m)
Total Stockholder Equity = 65.6m (last 4 quarters mean)
RoA = -50.77% (Net Income -183.3m, Total Assets 361.1m )
RoE = -279.4% (Net Income TTM -183.3m / Total Stockholder Equity 65.6m)
RoCE = -74.33% (Ebit -173.9m / (Equity 65.6m + L.T.Debt 168.3m))
RoIC = -62.23% (NOPAT -173.9m / Invested Capital 279.4m)
WACC = 3.73% (E(58.0m)/V(273.5m) * Re(14.34%)) + (D(215.5m)/V(273.5m) * Rd(1.10%) * (1-Tc(0.21)))
Shares Correlation 5-Years: 100.0 | Cagr: 12.11%
Discount Rate = 14.34% (= CAPM, Blume Beta Adj.)
Fair Price DCF = unknown (Cash Flow -28.1m)
Revenue Correlation: -56.04 | Revenue CAGR: -4.94%
Rev Growth-of-Growth: -12.83
EPS Correlation: -0.26 | EPS CAGR: -31.38%
EPS Growth-of-Growth: 69.55

Additional Sources for CDLX Stock

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