Cardlytics, Inc. (CDLX)
NASDAQ:CDLX
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CDLX Stock Chart & Stats
$1.01
-$0.18(-5.23%)
At close: 4:00 PM EST
$1.01
-$0.18(-5.23%)
Day’s Range― - ―
52-Week Range$4.50 - $32.80
Previous CloseN/A
Volume316.83K
Average Volume (3M)96.19K
Market Cap
$30.20M
Enterprise Value$203.34M
Total Cash (Recent Filing)$59.80M
Total Debt (Recent Filing)$210.03M
Price to Earnings (P/E)―
Beta2.52
Next Earnings
Aug 04, 2026EPS Estimate
-2.3Next Dividend Ex-DateN/A
Dividend YieldN/A
Share Statistics
EPS (TTM)-17.80
Shares Outstanding5,807,863
10 Day Avg. Volume128,117
30 Day Avg. Volume96,187
Financial Highlights & Ratios
PEG Ratio0.01
Price to Book (P/B)-9.39
Price to Sales (P/S)0.26
P/FCF Ratio6.93
Enterprise Value/Market Cap6.73
Enterprise Value/Revenue0.99
Enterprise Value/Gross Profit2.11
Enterprise Value/Ebitda-2.98
Forecast
1Y Price Target
$10.00Price Target Upside890.10% Upside
Rating ConsensusHold
Number of Analyst Covering4
EPS Forecast (FY)-8.77
Revenue Forecast (FY)$152.79M
Bulls Say, Bears Say
Bulls Say
Bank-channel Purchase-intelligence ModelCardlytics’ core model—delivering targeted merchant offers via financial-institution digital banking channels using purchase data—creates a durable competitive advantage. Exclusive FI distribution and transaction-based attribution support performance pricing, recurring merchant demand, and higher measurement precision, underpinning long-term campaign renewals and stickier FI relationships.
Improving Cash GenerationRecent positive operating and free cash flow provide a structural improvement versus prior years. Even modest FCF reduces near-term financing dependence, enables debt paydown or funding of AI/product initiatives, and gives management optionality to navigate seasonal advertiser cycles without relying solely on capital markets.
Margin Expansion And Expense DisciplineA record 60.6% adjusted contribution margin and a sharp 38% cut in adjusted operating expenses demonstrate sustainable unit-economics improvement. Higher contribution margins and tighter cost structure materially raise the probability of sustained profitability as revenue recovers, enabling reinvestment in product and AI while preserving operating leverage.
Bears Say
Weak Balance Sheet And LeverageNegative equity combined with roughly $210M of debt materially increases refinancing and covenant risk, constrains strategic flexibility, and elevates the cost of capital. This capital-structure stress limits the firm's ability to absorb prolonged top-line weakness or pursue opportunistic investments without dilutive or expensive financing.
Sustained Revenue DeclinesPersistent revenue contraction and steep YoY quarterly declines indicate structural demand pressure and reduced advertiser spend. Lower scale erodes fixed-cost absorption, weakens gross-profit leverage, and limits the benefit of margin improvements, meaning profitability gains may be fragile until top-line trends stabilize or reverse.
Loss Of Major Financial-institution PartnerLosing a top FI partner meaningfully reduced MQUs and audience reach, directly weakening the platform's value proposition to advertisers. Rebuilding equivalent scale and advertiser confidence can take many months, risking prolonged lower ACPU and reduced renewals while the company re-onboards cardholder portfolios.
Cardlytics News
CDLX FAQ
What was Cardlytics, Inc.’s price range in the past 12 months?
Cardlytics, Inc. lowest stock price was $4.50 and its highest was $32.80 in the past 12 months.
What is Cardlytics, Inc.’s market cap?
Cardlytics, Inc.’s market cap is $30.20M.
When is Cardlytics, Inc.’s upcoming earnings report date?
Cardlytics, Inc.’s upcoming earnings report date is Aug 04, 2026 which is in 44 days.
How were Cardlytics, Inc.’s earnings last quarter?
Cardlytics, Inc. released its earnings results on May 07, 2026. The company reported -$0.8 earnings per share for the quarter, beating the consensus estimate of -$3.7 by $2.9.
Is Cardlytics, Inc. overvalued?
According to Wall Street analysts Cardlytics, Inc.’s price is currently Undervalued.
Does Cardlytics, Inc. pay dividends?
Cardlytics, Inc. does not currently pay dividends.
What is Cardlytics, Inc.’s EPS estimate?
Cardlytics, Inc.’s EPS estimate is -2.3.
How many shares outstanding does Cardlytics, Inc. have?
Cardlytics, Inc. has 5,807,863 shares outstanding.
What happened to Cardlytics, Inc.’s price movement after its last earnings report?
Cardlytics, Inc. reported an EPS of -$0.8 in its last earnings report, beating expectations of -$3.7. Following the earnings report the stock price went down -18.161%.
Which hedge fund is a major shareholder of Cardlytics, Inc.?
Currently, no hedge funds are holding shares in CDLX
What is the TipRanks Smart Score and how is it calculated?
Smart Score combines eight research factors - such as analyst recommendations, hedge fund trends, and technical indicators - to measure a stock’s outlook. These signals are unified into a single score that reflects bullish or bearish momentum. See detailed methodology
Cardlytics Stock Smart Score
Underperform
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Analyst Consensus
Hold
Average Price Target:
$10.00 (890.10% Upside)
$10.00 (890.10% Upside)
Hedge Fund Trend
Decreased
By 10.0K Shares
Last Quarter.
Last Quarter.
Insider Transactions
Bought Shares
Worth $45.1K over
the Last 3 Months
the Last 3 Months
Crowd Wisdom
Neutral
Last 7 Days ▼ 1.1%
Last 30 Days ▲ 2.1%
Last 30 Days ▲ 2.1%
Technicals
SMA
Negative
20 days / 200 days
Momentum
-70.94%
12-Months-Change
Fundamentals
Return on Equity
-870.86%
Trailing 12-Months
Asset Growth
-28.49%
Trailing 12-Months
Company Description
Cardlytics, Inc.
Cardlytics, Inc. provides an advertising platform, operating in both the United States and the United Kingdom. Among its key offerings is the Cardlytics platform, a proprietary advertising channel integrated directly into banks' digital environments. This system allows marketers to engage customers through the vast networks of their financial institution partners, leveraging digital avenues such as online portals, mobile applications, email, and various real-time alerts. Furthermore, the company offers the Bridg platform, a comprehensive customer data solution that processes point-of-sale information. This enables marketers to conduct advanced analytics, implement highly targeted loyalty initiatives, and precisely evaluate the performance of their marketing efforts. Cardlytics, Inc. was founded in 2008 and is headquartered in Atlanta, Georgia.
CDLX Earnings Call
Q1 2026
0:00 / 0:00
Earnings Call Sentiment|Neutral
The call presented a mixed picture: strong execution on cost reductions, margin expansion (60.6% adjusted contribution margin), positive adjusted EBITDA on a continued-operations basis, improved cash-flow trends, robust U.K. growth (+21% YoY) and product/AI progress. However, these operational improvements were offset by significant year-over-year declines in core scale metrics (billings -37%, revenue -39%), a 21.3% drop in ACPU, and the material impact of losing Bank of America as a partner. Management provided sequential-growth guidance for Q2, indicating confidence in recovery, but near-term top-line weakness remains notable.View all CDLX earnings summariesCDLX Revenue Breakdown
94.25% U.S.
5.75% U.K.
CDLX Stock 12 Month Forecast
Average Price Target
$10.00
▲(890.10% Upside)
Technical Analysis
Ownership Overview
12.39% Insiders
6.04% Mutual Funds
27.22% Other Institutional Investors
49.83% Public Companies and
Individual Investors