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CARDLYTICS INC (CDLX) Stock Fundamental Analysis

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

1.68  0 (0%)

After market: 1.7 +0.02 (+1.19%)

Fundamental Rating

1

CDLX gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 97 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.
CDLX had a positive operating cash flow in the past year.
In the past 5 years CDLX always reported negative net income.
In the past 5 years CDLX always reported negative operating cash flow.
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 (-48.31%) than 89.69% of its industry peers.
The Return On Equity of CDLX (-278.22%) is worse than 85.57% 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

With a decent Gross Margin value of 53.53%, CDLX is doing good in the industry, outperforming 67.01% of the companies in the same industry.
CDLX's Gross Margin has improved in the last couple of years.
The Profit Margin and Operating Margin are not available for CDLX so they could not be analyzed.
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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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
CDLX has a worse debt/assets ratio than last year.
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 -4.53. This is a bad value and indicates that CDLX is not financially healthy and even has some risk of bankruptcy.
CDLX's Altman-Z score of -4.53 is on the low side compared to the rest of the industry. CDLX is outperformed by 83.51% of its industry peers.
A Debt/Equity ratio of 3.34 is on the high side and indicates that CDLX has dependencies on debt financing.
CDLX has a worse Debt to Equity ratio (3.34) than 78.35% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.34
Debt/FCF N/A
Altman-Z -4.53
ROIC/WACCN/A
WACC4.98%
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.
CDLX's Current ratio of 1.19 is on the low side compared to the rest of the industry. CDLX is outperformed by 60.82% 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 comparable to the rest of the industry.
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

CDLX shows a strong negative growth in Earnings Per Share. In the last year the EPS decreased by -183.33%.
The Revenue for CDLX has decreased by -12.77% in the past year. This is quite bad
The Revenue has been growing slightly by 5.75% on average over the past years.
EPS 1Y (TTM)-183.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-133.33%
Revenue 1Y (TTM)-12.77%
Revenue growth 3Y1.38%
Revenue growth 5Y5.75%
Sales Q2Q%-8.45%

3.2 Future

CDLX is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 28.68% yearly.
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

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.
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 40

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

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

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CARDLYTICS INC

NASDAQ:CDLX (7/18/2025, 8:00:02 PM)

After market: 1.7 +0.02 (+1.19%)

1.68

0 (0%)

Chartmill FA Rating
GICS SectorCommunication Services
GICS IndustryGroupMedia & Entertainment
GICS IndustryMedia
Earnings (Last)05-07 2025-05-07/amc
Earnings (Next)08-05 2025-08-05/amc
Inst Owners55.25%
Inst Owner Change0%
Ins Owners1.89%
Ins Owner Change13.22%
Market Cap88.20M
Analysts49.09
Price Target2.59 (54.17%)
Short Float %14.58%
Short Ratio7.32
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)-23.03%
EPS NQ rev (1m)0%
EPS NQ rev (3m)4.41%
EPS NY rev (1m)1.86%
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)-0.86%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.32
P/FCF N/A
P/OCF 42.26
P/B 1.38
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.51
EYN/A
EPS(NY)-0.23
Fwd EYN/A
FCF(TTM)-0.32
FCFYN/A
OCF(TTM)0.04
OCFY2.37%
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 -4.53
F-Score4
WACC4.98%
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)-183.33%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-133.33%
EPS Next Y-5.66%
EPS Next 2Y18.26%
EPS Next 3Y28.68%
EPS Next 5YN/A
Revenue 1Y (TTM)-12.77%
Revenue growth 3Y1.38%
Revenue growth 5Y5.75%
Sales Q2Q%-8.45%
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 Year96.89%
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