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CARDLYTICS INC (CDLX) Stock Fundamental Analysis

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

1.51  -0.09 (-5.63%)

After market: 1.51 0 (0%)

Fundamental Rating

1

Taking everything into account, CDLX scores 1 out of 10 in our fundamental rating. CDLX was compared to 98 industry peers in the Media industry. CDLX has a bad profitability rating. Also its financial health evaluation is rather negative. 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.
In the past year CDLX had a positive cash flow from operations.
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 89.80% of its industry peers.
The Return On Equity of CDLX (-278.22%) is worse than 83.67% 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

The Gross Margin of CDLX (53.53%) is better than 67.35% 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 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.
Compared to 1 year ago, CDLX has more shares outstanding
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

Based on the Altman-Z score of -4.55, we must say that CDLX is in the distress zone and has some risk of bankruptcy.
CDLX has a Altman-Z score of -4.55. This is amonst the worse of the industry: CDLX underperforms 81.63% 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.
Looking at the Debt to Equity ratio, with a value of 3.34, CDLX is doing worse than 76.53% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity 3.34
Debt/FCF N/A
Altman-Z -4.55
ROIC/WACCN/A
WACC5.57%
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 1.19. This is a normal value and indicates that CDLX is financially healthy and should not expect problems in meeting 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.
With a Quick ratio value of 1.19, CDLX perfoms like the industry average, outperforming 43.88% of the companies in the same 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

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%.
Looking at the last year, CDLX shows a very negative growth in Revenue. The Revenue has decreased by -12.77% 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)-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.
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-7.67%
EPS Next 2Y24.29%
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

CDLX reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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

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 2Y24.29%
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 (6/13/2025, 8:00:02 PM)

After market: 1.51 0 (0%)

1.51

-0.09 (-5.63%)

Chartmill FA Rating
GICS SectorCommunication Services
GICS IndustryGroupMedia & Entertainment
GICS IndustryMedia
Earnings (Last)05-07 2025-05-07/amc
Earnings (Next)07-28 2025-07-28/amc
Inst Owners55.25%
Inst Owner Change-7.31%
Ins Owners1.89%
Ins Owner Change11.51%
Market Cap79.28M
Analysts49.09
Price Target2.59 (71.52%)
Short Float %16.3%
Short Ratio9.18
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)-12.41%
PT rev (3m)-42.27%
EPS NQ rev (1m)1.52%
EPS NQ rev (3m)7.14%
EPS NY rev (1m)0%
EPS NY rev (3m)2.75%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-0.63%
Revenue NY rev (1m)-0.04%
Revenue NY rev (3m)-2.47%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.29
P/FCF N/A
P/OCF 37.99
P/B 1.24
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.51
EYN/A
EPS(NY)-0.18
Fwd EYN/A
FCF(TTM)-0.32
FCFYN/A
OCF(TTM)0.04
OCFY2.63%
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 -4.55
F-Score4
WACC5.57%
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-7.67%
EPS Next 2Y24.29%
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