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Cardlytics, Inc. CDLX

Insider Buys alert about insiders buying in the last 12 month

We limit data available in the Overview Report for users who do not have Powerpack

Get access to target analyst prices, predictions, compound annual growth rates and more than four years of historical data.

Insider Decisions

Total buys
0.13
Total sells
0.54
in millions of $
Nov 25 Feb 26 May 26 Aug 26
Buy 1
Sell 3 3 1 3 2 1
Insider Ownership
3.98%

Capital & Financial Ratios

Market Cap
22.91
Revenue
190.00
Net Income
(100.28)
Free Cash Flow
(10.90)
Net Debt
156.37
Current Ratio
1.62
Debt/Equity
(11.52)
P/E ratio
0.00
P/S ratio
0.11
P/B ratio
0.00
Past 5Y EPS Growth
(40.23%)
This Y EPS Growth
76.44%
Next Y EPS Growth
(50.16%)
Next 5Y EPS Growth
27.95%
in millions of $

Dividends

Payout Ratio
0.00
Annual Dividend Rate
Annual Dividend Yield
total individual payouts
2024 ‡‡‡
2023 ‡‡‡
2022 ‡‡‡
2021 ‡‡‡
2020 ‡‡‡
2019 ‡‡‡
2017 ‡‡‡
predictions in italic, special payouts not included in total or ratios

Assets vs Liabilities

2023 2024 2025 Q'26
Cash 91.83 65.59 48.72 28.04
Receivables 126.00 107.05 85.26 70.50
Inventory
Other
223.93 177.98 137.28 101.07
2023 2024 2025 Q'26
Payables 4.43 3.69 3.36 1.25
ST’ Debt 45.86
Other 39.40 4.56
171.15 148.96 78.39 62.35
in millions of $

Compound Annual Growth

10y 5y 3y
Sales ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡
Cash Flow ‡‡‡ ‡‡‡ ‡‡‡
Earnings ‡‡‡ ‡‡‡ ‡‡‡
Book Value ‡‡‡ ‡‡‡ ‡‡‡

Revenue

Mar Jun Sep Dec Year
’26 34.32 36.88
’25 56.44 58.04 52.03 66.77
233.27
’24 67.61 69.64 67.06 74.00
278.30
’23 64.33 76.70 79.01 89.17
309.20
’22 67.93 75.41 72.71 82.50
298.54
’21 53.23 58.85 64.98 90.05
267.12
’20 45.51 28.22 46.08 67.08
186.89
in millions of $

Operating Cash Flow

Mar Jun Sep Dec Year
’26 (5.64) (8.60)
’25 (6.71) 1.23 1.76 13.01
9.29
’24 (17.62) 4.43 1.39 2.98
(8.82)
’23 (10.06) 5.75 1.19 2.93
(0.18)
’22 (19.69) (6.68) (14.43) (13.10)
(53.90)
’21 (12.53) (14.98) (10.46) (0.55)
(38.52)
’20 (3.41) (4.24) (5.57) 5.62
(7.60)
in millions of $

Free Cash Flow

Mar Jun Sep Dec Year
’26 (7.95) (10.70)
’25 (10.81) (3.43) (2.70) 10.45
(6.49)
’24 (22.36) (0.43) (3.87) (1.46)
(28.12)
’23 (12.87) 3.00 (1.95) (0.76)
(12.58)
’22 (22.45) (10.95) (17.74) (16.25)
(67.39)
’21 (15.86) (17.93) (13.33) (3.97)
(51.09)
’20 (4.84) (6.19) (8.44) 1.76
(17.71)
in millions of $

EPS

Mar Jun Sep Dec Year
’26 (0.80) (2.58)
’25 (2.60) (1.80) (13.60) (1.50)
(19.50)
’24 (5.60) (0.90) (29.00) (3.10)
(39.10)
’23 4.00 (6.70) (6.30) (25.60)
(36.90)
’22 8.90 (37.50) 1.90 (113.20)
(139.20)
’21 (8.50) (14.30) (13.50) (3.50)
(39.90)
’20 (5.10) (7.30) (5.60) (2.40)
(20.40)

Target Price Range

High
‡‡‡
‡‡‡
Average
‡‡‡‡‡
‡‡‡
Low
‡‡‡‡‡
‡‡‡

Recommendation Rating

3.3
1
Buy
2
3
Hold
4
5
Sell
2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 2028
‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 35.00 25.70 28.90 8.52
Low Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 734.10 195.70 205.20 40.45
High Price
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 501 434 454 275
Employees
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.60 0.71 0.61 0.85
Revenue/Emp
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 298.54 309.20 278.30 233.27 ‡‡‡‡‡ ‡‡‡‡‡
Revenue
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 37.73% 42.17% 43.44% 44.85%
Gross Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (466.71) (134.70) (189.30) (103.49)
EBT
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (156.33%) (43.56%) (68.02%) (44.36%) ‡‡‡ ‡‡‡
EBT Margin
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (465.26) (134.70) (189.30) (103.49) ‡‡‡‡‡ ‡‡‡‡‡
Net Income
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 498.62 101.68 161.10 87.77
Depreciation
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 89.33 84.74 57.55 43.92 ‡‡‡‡‡ ‡‡‡‡‡
Revenue/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (139.20) (36.90) (39.10) (19.50) ‡‡‡‡‡ ‡‡‡‡‡
Earnings/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (16.13) (0.05) (1.82) 1.75
Cash Flow/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (4.04) (3.40) (3.99) (2.97) ‡‡‡ ‡‡‡
Capex/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (20.17) (3.45) (5.81) (1.22)
Free CF/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 63.32 36.94 14.47 (1.23)
Book Value/Sh
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 3.34 3.65 4.84 5.31 ‡‡‡‡‡ ‡‡‡‡‡
Shares
‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ ‡‡‡ 0.00 0.00 0.00 0.00 ‡‡‡‡‡ ‡‡‡‡‡
PE Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.60 1.05 0.64 0.26 ‡‡‡ ‡‡‡
PS Ratio
‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.85 2.41 2.56 0.00 ‡‡‡ ‡‡‡
PB Ratio
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 0.97 1.68 1.18 1.15 ‡‡‡‡ ‡‡‡‡
EV/Sales
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (4.29) (40.81) (11.57) (40.10)
EV/FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (53.90) (0.18) (8.82) 9.29 ‡‡‡ ‡‡‡
Op' Cash Flow
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (13.49) (12.39) (19.30) (15.78) ‡‡‡‡‡ ‡‡‡‡‡
Capex
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (67.39) (12.58) (28.12) (6.49)
FCF
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 1.10 52.78 29.03 58.89
Working Cap'
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 231.05 257.50 213.59 208.92
Total Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 109.06 165.67 148.00 160.20
Net Debt
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ 211.61 134.80 69.99 (6.51)
Sh' Equity
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (47.60%) (21.29%) (39.16%) (30.51%)
ROA
‡‡‡ ‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (89.22%) (28.22%) (56.05%) (41.40%)
ROIC
‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ ‡‡‡‡‡ (103.13%) (77.77%) (184.88%) (326.02%)
ROE
predictions in italic, sparklines do not include predictions

Analyst Commentary (Summary)

Cardlytics (CDLX), once a darling of the digital ad boom, has cratered over 98% from 2021 peaks after a post-IPO surge, now trading at distressed multiples amid stalled growth and gaping losses exceeding $1.3 billion cumulatively. Revenue, which compounded at 28% through 2023 peaks driven by bank partnerships like Bank of America and Chase, reversed with a 10% drop in 2024 and analysts forecasting 17% further declines in 2025—correlating with workforce cuts, banking turmoil, and ad-targeting headwinds from privacy regs.

Persistent red ink plagues profitability, with negative ROE/IC below -20%, ballooning shares from dilutive raises, and free cash flow deficits topping $300 million, fueling a balance sheet on the brink: equity eroded 90% to $70 million, net debt at $148 million, and liquidity squeezed. Insider action screams caution—zero buys amid 800k+ shares sold, including a massive 400k dump by a top owner—while volatile stock history and cheap EV/Sales (0.22x forward) mask leverage risks in a high-rate world.

Analysts peddle 60%+ upside on modest loss cuts and revenue stabilization, but this ignores partner churn echoes from SVB, regulatory squeezes, and debt maturities without FCF positivity—echoing ad-tech flameouts. Downside skews 50%+ if forecasts miss, demanding tiny positions and heavy skepticism in this high-volatility trap.

Cardlytics, Inc. (CDLX) Latest News

News by impact score

Fine-tune

12 Aug

4 transcript www.fool.com, 9:02 PM
Cardlytics reported Q2 2026 results during its earnings call, covering financial performance, revenue trends, and operational updates for the period. Earnings call delivers core quarterly metrics and forward guidance that directly shape CDLX valuation and investor positioning.

6 Aug

3 transcript app.moby.co, 8:30 AM
Cardlytics, Inc. held its Q2 2026 earnings call covering quarterly financial results, revenue performance, and management outlook. Quarterly earnings details and guidance can influence near-term stock sentiment and operational expectations.

5 Aug

3 , 4:01 PM
Cardlytics, Inc. reported second quarter 2026 financial results driven by strong operational performance. Strong operational performance in quarterly results supports improved efficiency and revenue potential for Cardlytics.

11 May

3 Simply Wall St., 8:52 AM
Cardlytics, Inc. (NASDAQ:CDLX) reported first-quarter results, with analysts now forecasting the company's full-year performance. Analyst forecasts following Q1 results could moderately influence CDLX's financial expectations and investor sentiment.

8 May

4 transcript www.fool.com, 1:25 PM
Cardlytics (CDLX) released Q1 2026 earnings call transcript detailing quarterly financial results, revenue growth, profitability metrics, management commentary, and forward guidance. Q1 2026 earnings transcript discloses key financial metrics and strategic outlook directly shaping investor expectations and stock trajectory.

4 app.moby.co, 8:30 AM
Cardlytics, Inc. (CDLX) released Q1 2026 earnings call summary detailing financial results, operational updates, and forward guidance. Q1 2026 earnings call summary discloses key financial metrics and strategic outlook, likely driving substantial shifts in investor sentiment and stock trajectory.

7 May

4 Business Wire, 4:02 PM
Cardlytics, Inc. (CDLX) reported first quarter 2026 financial results driven by strong operational performance. Strong Q1 2026 financial results from operational performance likely signal significant positive shifts in financial trajectory and investor sentiment.

2 May

4 Simply Wall St., 7:20 AM
Cardlytics (CDLX) narrative resets after lowered guidance, key executive exits, and analyst price target cuts, signaling challenges ahead for growth and investor confidence. Guidance reductions, personnel departures, and analyst downgrades threaten Cardlytics' financial trajectory and market sentiment.

4 Apr

4 Simply Wall St., 3:09 AM
Cardlytics (CDLX) narrative resets after lowering guidance and losing partners, prompting a reevaluation of growth prospects amid revenue pressures and strategic shifts. Guidance reductions and partner exits signal major revenue risks and strategic disruptions poised to significantly impact Cardlytics' trajectory and market performance.

24 Mar

4 Business Wire, 4:05 PM
Cardlytics, Inc. (CDLX) completed the sale of its Bridg assets to PAR Technology. Sale of Bridg assets is a major strategic divestiture that refocuses operations and impacts financial position.

6 Mar

4 Simply Wall St., 1:08 PM
Cardlytics, Inc. (CDLX) shifts its investment story after resetting guidance and implementing asset changes. Guidance reset and asset changes signal major strategic shifts likely to significantly alter CDLX's trajectory and investor sentiment.

5 Mar

4 app.moby.co, 8:30 AM
Cardlytics, Inc. (CDLX) Q4 2025 earnings call summary details quarterly financial results, annual performance, and forward-looking guidance. Q4 earnings call summary discloses key financial metrics, strategic updates, and outlook that significantly shape future performance and market perception.

4 GuruFocus.com, 12:01 AM
Cardlytics Inc. (CDLX) Q4 2025 earnings call highlights navigating operational challenges while leveraging partnerships and technology for growth amid mixed financial results. Q4 2025 earnings highlights reveal strategic navigation of challenges and growth levers, poised to significantly shape CDLX's financial trajectory and investor sentiment.

4 Mar

4 Associated Press Finance, 4:33 PM
Cardlytics, Inc. (CDLX) released its Q4 earnings snapshot. Q4 earnings snapshots reveal key financial metrics that significantly shape CDLX's market performance and investor outlook.

4 Business Wire, 4:02 PM
Cardlytics announced fourth quarter and full-year 2025 financial results, highlighting key revenue figures, profitability metrics, and forward guidance amid ongoing growth in digital advertising and partnerships. Quarterly and annual financial results disclosure significantly impacts stock valuation, investor confidence, and future market trajectory.

27 Jan

3 www.verdictfoodservice.com, 7:36 AM
PAR Technology is acquiring Bridg to integrate loyalty programs with in-store data, aiming to enhance customer engagement and analytics capabilities. This strategic move is expected to improve PAR's offerings in the restaurant and retail sectors, allowing for better data-driven decision-making and personalized marketing strategies. The acquisition may moderately influence Cardlytics' competitive positioning in the loyalty and analytics space.

26 Jan

3 Business Wire, 8:02 AM
PAR Technology has announced its acquisition of Bridg, a move aimed at integrating loyalty and non-loyalty data to enhance retail and restaurant activation strategies. This acquisition is expected to provide businesses with smarter tools for customer engagement and data utilization, potentially transforming how they approach marketing and customer loyalty. The acquisition may moderately influence Cardlytics' competitive positioning and product innovation in the data analytics space.

5 Jan

4 Zacks, 12:00 PM
Cardlytics, Inc. (CDLX) has been upgraded to a 'Buy' rating by analysts, reflecting positive sentiment regarding the company's growth potential and market position. The upgrade is based on recent performance metrics and strategic initiatives that suggest a favorable outlook for future earnings. Investors are encouraged to consider this upgrade as a signal of confidence in Cardlytics' ability to capitalize on market opportunities. The upgrade to 'Buy' indicates significant confidence in Cardlytics' future performance and strategic direction.

18 Dec

3 Business Wire, 8:10 AM
Cardlytics, Inc. has appointed David Evans, a company alumnus, as the new Chief Financial Officer. Evans brings extensive experience in finance and leadership, having previously held various roles within the company. His appointment is expected to enhance the company's financial strategy and operations as it continues to grow in the digital advertising space. The appointment of a new CFO can moderately influence the company's financial performance and strategic direction.

10 Nov

4 Zacks, 12:00 PM
Cardlytics, Inc. (CDLX) has received a rating upgrade to 'Buy' from analysts, reflecting improved market sentiment and potential for growth. The upgrade is based on the company's recent performance and strategic initiatives that are expected to enhance its competitive position. Investors are encouraged to consider this positive shift as a sign of the company's strengthening fundamentals. The rating upgrade indicates significant potential for improved market performance and investor sentiment.

6 Nov

4 transcript www.fool.com, 9:25 AM
Cardlytics, Inc. reported its Q3 2025 earnings, highlighting significant growth in revenue and user engagement. The company emphasized its strategic initiatives aimed at expanding partnerships and enhancing its advertising platform. Management expressed optimism about future performance, citing strong demand for its services and a robust pipeline of new clients. Key metrics showed an increase in transaction volume and customer retention rates, indicating a positive trend in market positioning. The earnings call also addressed challenges faced in the competitive landscape and outlined plans to mitigate risks moving forward. Significant growth in revenue and user engagement indicates a strong future trajectory for the company.

3 GuruFocus.com, 12:09 AM
Cardlytics, Inc. reported its Q3 2025 earnings, highlighting challenges in the market while emphasizing efforts to expand its services and customer base. The company is navigating a competitive landscape and focusing on strategic initiatives to enhance growth and profitability. Key metrics showed mixed results, prompting discussions on future strategies and market positioning. Mixed financial results and strategic initiatives indicate a moderately noticeable influence on future performance.

5 Nov

3 Associated Press Finance, 5:02 PM
Cardlytics, Inc. reported its Q3 earnings, revealing key financial metrics and performance indicators. The company highlighted growth in user engagement and transaction volume, alongside challenges in market conditions. Management provided insights into future strategies aimed at enhancing revenue streams and expanding partnerships. Overall, the earnings report reflects a mixed outlook, balancing positive growth trends with external market pressures. The earnings report indicates moderate growth and challenges that may influence financial performance but are not expected to drastically change the company's trajectory.

3 Business Wire, 4:05 PM
Cardlytics, Inc. (CDLX) reported its financial results for the third quarter of 2025, highlighting key metrics such as revenue growth and user engagement. The company emphasized its strategic initiatives aimed at enhancing its advertising platform and expanding partnerships. Management expressed optimism about future performance, citing positive trends in consumer behavior and increased demand for digital marketing solutions. Overall, the results reflect a solid performance amid a competitive landscape. The financial results indicate moderate growth and strategic initiatives that may influence future performance but are balanced by competitive challenges.

2 Oct

3 Business Wire, 8:05 AM
Cardlytics, Inc. has announced workforce reductions as part of an organizational realignment and cost savings initiative. This decision aims to streamline operations and improve financial performance amid ongoing challenges in the market. Workforce reductions may moderately influence financial performance and operational efficiency.

24 Sep

4 MT NewswiresSimply Wall St.Simply Wall St.Yahoo Finance Video, 2:45 PM
Cardlytics, Inc. (CDLX) shares experienced an increase following a report from Citron Research, which highlighted multiple opportunities for the company to rebuild and enhance its market position. The report suggests that Cardlytics has potential avenues for growth that could positively influence its future performance. Citron Research's identification of multiple rebuilding opportunities indicates significant potential for strategic improvements and market repositioning.

22 Sep

4 Simply Wall St., 6:31 AM
Cardlytics, Inc. (CDLX) shares surged 91.3% following the announcement of a partnership with American Express for the Amex Platinum Card, highlighting the importance of first-party data in driving consumer engagement and targeted marketing. This collaboration is expected to enhance Cardlytics' capabilities in delivering personalized offers to cardholders, potentially increasing transaction volumes and revenue. The partnership underscores the growing significance of data-driven marketing strategies in the financial services sector. The partnership with American Express is a significant strategic move that could enhance Cardlytics' market position and revenue potential.

20 Sep

4 , 8:29 AM
Cardlytics, Inc. (CDLX) is gaining attention following Citron's analysis highlighting its bank integrations and the recent refresh of the Amex Platinum card. These developments could enhance Cardlytics' market position and operational capabilities, potentially attracting more users and partnerships. The focus on bank integrations suggests a strategic move to strengthen its service offerings, while the Amex Platinum refresh may drive increased consumer engagement with Cardlytics' platform. Investors are closely monitoring these factors as they could influence the company's future growth trajectory. The integration with banks and the Amex Platinum refresh are significant strategic moves that could enhance Cardlytics' market position and investor sentiment.

15 Sep

3 , 9:00 AM
Cardlytics, Inc. has successfully repaid its 2020 Convertible Senior Notes that were due in 2025, marking a significant step in its financial management and reducing future debt obligations. Repaying convertible notes improves financial stability but does not fundamentally change the company's growth trajectory.

14 Aug

4 Business Wire, 10:30 AM
Cardlytics, Inc. has been recognized as the 'Best Digital Ad Network' in the 2025 MarTech Breakthrough Awards Program, highlighting its innovative approach and effectiveness in digital advertising. This accolade underscores the company's strong position in the marketing technology sector and its commitment to delivering impactful advertising solutions. Recognition as the best digital ad network is likely to enhance Cardlytics' competitive positioning and market sentiment significantly.