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CARDLYTICS INC (CDLX) Stock Fundamental Analysis

NASDAQ:CDLX - Nasdaq - US14161W1053 - Common Stock - Currency: USD

1.18  -0.12 (-9.23%)

After market: 1.19 +0.01 (+0.85%)

Fundamental Rating

1

CDLX gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 98 industry peers in the Media industry. Both the profitability and financial health of CDLX have multiple concerns. CDLX does not seem to be growing, but still is valued expensively.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

CDLX had negative earnings in the past year.
CDLX had a positive operating cash flow in the past year.
CDLX had negative earnings in each of the past 5 years.
CDLX had a negative operating cash flow in each of the past 5 years.
CDLX Yearly Net Income VS EBIT VS OCF VS FCFCDLX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -100M -200M -300M -400M

1.2 Ratios

The Return On Assets of CDLX (-48.31%) is worse than 86.73% of its industry peers.
CDLX has a Return On Equity of -278.22%. This is amonst the worse of the industry: CDLX underperforms 84.69% of its industry peers.
Industry RankSector Rank
ROA -48.31%
ROE -278.22%
ROIC N/A
ROA(3y)-46.33%
ROA(5y)-32.45%
ROE(3y)-196.76%
ROE(5y)-128.83%
ROIC(3y)N/A
ROIC(5y)N/A
CDLX Yearly ROA, ROE, ROICCDLX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 500 1K 1.5K

1.3 Margins

Looking at the Gross Margin, with a value of 53.53%, CDLX is in the better half of the industry, outperforming 67.35% of the companies in the same industry.
CDLX's Gross Margin has improved in the last couple of years.
CDLX does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 53.53%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y3.66%
GM growth 5Y3.64%
CDLX Yearly Profit, Operating, Gross MarginsCDLX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 50 -50 -100 -150

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2. Health

2.1 Basic Checks

CDLX does not have a ROIC to compare to the WACC, probably because it is not profitable.
CDLX has more shares outstanding than it did 1 year ago.
The number of shares outstanding for CDLX has been increased compared to 5 years ago.
Compared to 1 year ago, CDLX has a worse debt to assets ratio.
CDLX Yearly Shares OutstandingCDLX Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 10M 20M 30M 40M 50M
CDLX Yearly Total Debt VS Total AssetsCDLX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

Based on the Altman-Z score of -4.58, we must say that CDLX is in the distress zone and has some risk of bankruptcy.
With a Altman-Z score value of -4.58, CDLX is not doing good in the industry: 81.63% of the companies in the same industry are doing better.
CDLX has a Debt/Equity ratio of 3.34. This is a high value indicating a heavy dependency on external financing.
CDLX has a worse Debt to Equity ratio (3.34) than 79.59% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.34
Debt/FCF N/A
Altman-Z -4.58
ROIC/WACCN/A
WACC4.86%
CDLX Yearly LT Debt VS Equity VS FCFCDLX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

2.3 Liquidity

A Current Ratio of 1.19 indicates that CDLX should not have too much problems paying its short term obligations.
The Current ratio of CDLX (1.19) is worse than 60.20% of its industry peers.
A Quick Ratio of 1.19 indicates that CDLX should not have too much problems paying its short term obligations.
CDLX has a Quick ratio (1.19) which is in line with its industry peers.
Industry RankSector Rank
Current Ratio 1.19
Quick Ratio 1.19
CDLX Yearly Current Assets VS Current LiabilitesCDLX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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3. Growth

3.1 Past

The earnings per share for CDLX have decreased strongly by -444.44% in the last year.
Looking at the last year, CDLX shows a decrease in Revenue. The Revenue has decreased by -10.00% in the last year.
Measured over the past years, CDLX shows a small growth in Revenue. The Revenue has been growing by 5.75% on average per year.
EPS 1Y (TTM)-444.44%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%13.33%
Revenue 1Y (TTM)-10%
Revenue growth 3Y1.38%
Revenue growth 5Y5.75%
Sales Q2Q%-9.17%

3.2 Future

Based on estimates for the next years, CDLX will show a very strong growth in Earnings Per Share. The EPS will grow by 28.68% on average per year.
The Revenue is expected to grow by 6.30% on average over the next years.
EPS Next Y-5.66%
EPS Next 2Y18.26%
EPS Next 3Y28.68%
EPS Next 5YN/A
Revenue Next Year0.93%
Revenue Next 2Y3.19%
Revenue Next 3Y6.3%
Revenue Next 5YN/A

3.3 Evolution

When comparing the Revenue growth rate of the last years to the growth rate of the upcoming years, we see that the growth is stable.
CDLX Yearly Revenue VS EstimatesCDLX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
CDLX Yearly EPS VS EstimatesCDLX Yearly EPS VS EstimatesYearly EPS VS Estimates 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 -0.5 -1 -1.5 -2 -2.5

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4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CDLX. In the last year negative earnings were reported.
Also next year CDLX is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
CDLX Price Earnings VS Forward Price EarningsCDLX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CDLX Per share dataCDLX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4

4.3 Compensation for Growth

A more expensive valuation may be justified as CDLX's earnings are expected to grow with 28.68% in the coming years.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y18.26%
EPS Next 3Y28.68%

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0

5. Dividend

5.1 Amount

No dividends for CDLX!.
Industry RankSector Rank
Dividend Yield N/A

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CARDLYTICS INC

NASDAQ:CDLX (8/8/2025, 8:23:37 PM)

After market: 1.19 +0.01 (+0.85%)

1.18

-0.12 (-9.23%)

Chartmill FA Rating
GICS SectorCommunication Services
GICS IndustryGroupMedia & Entertainment
GICS IndustryMedia
Earnings (Last)08-06 2025-08-06/amc
Earnings (Next)11-04 2025-11-04/amc
Inst Owners54.86%
Inst Owner Change-0.81%
Ins Owners1.93%
Ins Owner Change11.9%
Market Cap61.95M
Analysts49.09
Price Target2.59 (119.49%)
Short Float %12.57%
Short Ratio4.84
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)2
Avg EPS beat(2)55.72%
Min EPS beat(2)11.45%
Max EPS beat(2)100%
EPS beat(4)3
Avg EPS beat(4)33.49%
Min EPS beat(4)-16.71%
Max EPS beat(4)100%
EPS beat(8)7
Avg EPS beat(8)49.95%
EPS beat(12)10
Avg EPS beat(12)39.39%
EPS beat(16)14
Avg EPS beat(16)38.2%
Revenue beat(2)2
Avg Revenue beat(2)9.26%
Min Revenue beat(2)4.5%
Max Revenue beat(2)14.02%
Revenue beat(4)3
Avg Revenue beat(4)5.71%
Min Revenue beat(4)-9.42%
Max Revenue beat(4)14.02%
Revenue beat(8)4
Avg Revenue beat(8)2.33%
Revenue beat(12)4
Avg Revenue beat(12)0.5%
Revenue beat(16)7
Avg Revenue beat(16)1.16%
PT rev (1m)0%
PT rev (3m)-12.41%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.41%
EPS NY rev (1m)0%
EPS NY rev (3m)4.94%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.63%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-0.08%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.23
P/FCF N/A
P/OCF 29.68
P/B 0.97
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.49
EYN/A
EPS(NY)-0.23
Fwd EYN/A
FCF(TTM)-0.32
FCFYN/A
OCF(TTM)0.04
OCFY3.37%
SpS5.19
BVpS1.22
TBVpS-2.65
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -48.31%
ROE -278.22%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 53.53%
FCFM N/A
ROA(3y)-46.33%
ROA(5y)-32.45%
ROE(3y)-196.76%
ROE(5y)-128.83%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y3.66%
GM growth 5Y3.64%
F-Score4
Asset Turnover0.74
Health
Industry RankSector Rank
Debt/Equity 3.34
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 66.62%
Cap/Sales 6.84%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.19
Quick Ratio 1.19
Altman-Z -4.58
F-Score4
WACC4.86%
ROIC/WACCN/A
Cap/Depr(3y)49.05%
Cap/Depr(5y)63.69%
Cap/Sales(3y)5.15%
Cap/Sales(5y)5.12%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)-444.44%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%13.33%
EPS Next Y-5.66%
EPS Next 2Y18.26%
EPS Next 3Y28.68%
EPS Next 5YN/A
Revenue 1Y (TTM)-10%
Revenue growth 3Y1.38%
Revenue growth 5Y5.75%
Sales Q2Q%-9.17%
Revenue Next Year0.93%
Revenue Next 2Y3.19%
Revenue Next 3Y6.3%
Revenue Next 5YN/A
EBIT growth 1Y41.8%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year97.84%
EBIT Next 3Y42.15%
EBIT Next 5YN/A
FCF growth 1Y71.34%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y104.71%
OCF growth 3YN/A
OCF growth 5YN/A