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CARDLYTICS INC (CDLX) Stock Fundamental Analysis

USA - NASDAQ:CDLX - US14161W1053 - Common Stock

1.94 USD
+0.04 (+2.11%)
Last: 10/31/2025, 8:00:02 PM
1.9593 USD
+0.02 (+0.99%)
After Hours: 10/31/2025, 8:00:02 PM
Fundamental Rating

1

Taking everything into account, CDLX scores 1 out of 10 in our fundamental rating. CDLX was compared to 94 industry peers in the Media industry. CDLX may be in some trouble as it scores bad on both profitability and health. 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

In the past year CDLX has reported negative net income.
In the past year CDLX has reported a negative cash flow from operations.
In the past 5 years CDLX always reported negative net income.
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

CDLX has a worse Return On Assets (-50.77%) than 84.04% of its industry peers.
CDLX has a Return On Equity of -312.30%. This is amonst the worse of the industry: CDLX underperforms 82.98% of its industry peers.
Industry RankSector Rank
ROA -50.77%
ROE -312.3%
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

CDLX has a better Gross Margin (54.73%) than 64.89% of its industry peers.
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 54.73%
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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1

2. Health

2.1 Basic Checks

CDLX does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CDLX has been increased compared to 1 year ago.
Compared to 5 years ago, CDLX has more shares outstanding
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

CDLX has an Altman-Z score of -4.64. This is a bad value and indicates that CDLX is not financially healthy and even has some risk of bankruptcy.
CDLX has a Altman-Z score of -4.64. This is amonst the worse of the industry: CDLX underperforms 82.98% of its industry peers.
CDLX has a Debt/Equity ratio of 3.65. This is a high value indicating a heavy dependency on external financing.
With a Debt to Equity ratio value of 3.65, CDLX is not doing good in the industry: 76.60% of the companies in the same industry are doing better.
Industry RankSector Rank
Debt/Equity 3.65
Debt/FCF N/A
Altman-Z -4.64
ROIC/WACCN/A
WACC5.03%
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

CDLX has a Current Ratio of 1.16. This is a normal value and indicates that CDLX is financially healthy and should not expect problems in meeting its short term obligations.
CDLX has a Current ratio (1.16) which is in line with its industry peers.
A Quick Ratio of 1.16 indicates that CDLX should not have too much problems paying its short term obligations.
With a Quick ratio value of 1.16, CDLX perfoms like the industry average, outperforming 51.06% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.16
Quick Ratio 1.16
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

3. Growth

3.1 Past

CDLX shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -444.44%.
CDLX shows a very negative growth in Revenue. In the last year, the Revenue has decreased by -12.84%.
The Revenue has been growing slightly by 5.75% on average over the past years.
EPS 1Y (TTM)-444.44%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%13.33%
Revenue 1Y (TTM)-12.84%
Revenue growth 3Y1.38%
Revenue growth 5Y5.75%
Sales Q2Q%-9.17%

3.2 Future

The Earnings Per Share is expected to grow by 28.68% on average over the next years. This is a very strong growth
CDLX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 6.30% yearly.
EPS Next Y-34.69%
EPS Next 2Y6.93%
EPS Next 3Y28.68%
EPS Next 5YN/A
Revenue Next Year-10.85%
Revenue Next 2Y-7.58%
Revenue Next 3Y6.3%
Revenue Next 5YN/A

3.3 Evolution

The Revenue growth rate is stable: in the next years the growth will be about the same than in the last years.
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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1

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CDLX. In the last year negative earnings were reported.
Besides the negative Price/Earnings Ratio, also the Forward Price/Earnings Ratio is negative for CDLX. No positive earnings are expected for the next year.
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

CDLX's earnings are expected to grow with 28.68% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y6.93%
EPS Next 3Y28.68%

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0

5. Dividend

5.1 Amount

CDLX does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CARDLYTICS INC

NASDAQ:CDLX (10/31/2025, 8:00:02 PM)

After market: 1.9593 +0.02 (+0.99%)

1.94

+0.04 (+2.11%)

Chartmill FA Rating
GICS IndustryGroupMedia & Entertainment
GICS IndustryMedia
Earnings (Last)08-06 2025-08-06/amc
Earnings (Next)11-05 2025-11-05/amc
Inst Owners45.8%
Inst Owner Change2.16%
Ins Owners2.15%
Ins Owner Change9.63%
Market Cap103.29M
Revenue(TTM)266.20M
Net Income(TTM)-183336000
Analysts48
Price Target1.66 (-14.43%)
Short Float %12.83%
Short Ratio1.07
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)16.51%
Min EPS beat(2)11.45%
Max EPS beat(2)21.57%
EPS beat(4)4
Avg EPS beat(4)43.06%
Min EPS beat(4)11.45%
Max EPS beat(4)100%
EPS beat(8)7
Avg EPS beat(8)48.47%
EPS beat(12)11
Avg EPS beat(12)44.2%
EPS beat(16)14
Avg EPS beat(16)39.48%
Revenue beat(2)1
Avg Revenue beat(2)0.68%
Min Revenue beat(2)-3.14%
Max Revenue beat(2)4.5%
Revenue beat(4)3
Avg Revenue beat(4)7.28%
Min Revenue beat(4)-3.14%
Max Revenue beat(4)14.02%
Revenue beat(8)3
Avg Revenue beat(8)0.82%
Revenue beat(12)4
Avg Revenue beat(12)0.47%
Revenue beat(16)7
Avg Revenue beat(16)1.47%
PT rev (1m)0%
PT rev (3m)-36.02%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-53.85%
EPS NY rev (1m)0%
EPS NY rev (3m)-27.48%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-20.44%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-11.67%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.39
P/FCF N/A
P/OCF N/A
P/B 1.76
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.49
EYN/A
EPS(NY)-0.33
Fwd EYN/A
FCF(TTM)-0.37
FCFYN/A
OCF(TTM)-0.02
OCFYN/A
SpS5
BVpS1.1
TBVpS-2.7
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -50.77%
ROE -312.3%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 54.73%
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
ROICexgc growth 3YN/A
ROICexgc 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-Score3
Asset Turnover0.74
Health
Industry RankSector Rank
Debt/Equity 3.65
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 66.23%
Cap/Sales 6.93%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.16
Quick Ratio 1.16
Altman-Z -4.64
F-Score3
WACC5.03%
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-34.69%
EPS Next 2Y6.93%
EPS Next 3Y28.68%
EPS Next 5YN/A
Revenue 1Y (TTM)-12.84%
Revenue growth 3Y1.38%
Revenue growth 5Y5.75%
Sales Q2Q%-9.17%
Revenue Next Year-10.85%
Revenue Next 2Y-7.58%
Revenue Next 3Y6.3%
Revenue Next 5YN/A
EBIT growth 1Y32.66%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year98.61%
EBIT Next 3Y42.15%
EBIT Next 5YN/A
FCF growth 1Y55.37%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y96.49%
OCF growth 3YN/A
OCF growth 5YN/A

CARDLYTICS INC / CDLX FAQ

Can you provide the ChartMill fundamental rating for CARDLYTICS INC?

ChartMill assigns a fundamental rating of 1 / 10 to CDLX.


What is the valuation status of CARDLYTICS INC (CDLX) stock?

ChartMill assigns a valuation rating of 1 / 10 to CARDLYTICS INC (CDLX). This can be considered as Overvalued.


How profitable is CARDLYTICS INC (CDLX) stock?

CARDLYTICS INC (CDLX) has a profitability rating of 1 / 10.


How financially healthy is CARDLYTICS INC?

The financial health rating of CARDLYTICS INC (CDLX) is 1 / 10.