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CARDLYTICS INC (CDLX) Stock Fundamental Analysis

USA - Nasdaq - NASDAQ:CDLX - US14161W1053 - Common Stock

1.2 USD
-0.04 (-3.23%)
Last: 1/16/2026, 8:00:02 PM
1.22 USD
+0.02 (+1.67%)
After Hours: 1/16/2026, 8:00:02 PM
Fundamental Rating

1

Overall CDLX gets a fundamental rating of 1 out of 10. We evaluated CDLX against 93 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

1

1. Profitability

1.1 Basic Checks

  • CDLX had negative earnings in the past year.
  • CDLX had a negative operating cash flow in the past year.
  • 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 -100M -200M -300M -400M

1.2 Ratios

  • Looking at the Return On Assets, with a value of -37.85%, CDLX is doing worse than 75.27% of the companies in the same industry.
Industry RankSector Rank
ROA -37.85%
ROE N/A
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 100 -100 200 -200

1.3 Margins

  • The Gross Margin of CDLX (55.47%) is better than 65.59% 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 55.47%
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 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
  • The number of shares outstanding for CDLX has been increased compared to 5 years ago.
  • The debt/assets ratio for CDLX is higher compared to a year ago.
CDLX Yearly Shares OutstandingCDLX Yearly Shares OutstandingYearly Shares Outstanding 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 2016 2017 2018 2019 2020 2021 2022 2023 2024 200M 400M 600M 800M 1B

2.2 Solvency

  • Based on the Altman-Z score of -6.18, we must say that CDLX is in the distress zone and has some risk of bankruptcy.
  • Looking at the Altman-Z score, with a value of -6.18, CDLX is doing worse than 84.95% of the companies in the same industry.
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Altman-Z -6.18
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 2016 2017 2018 2019 2020 2021 2022 2023 2024 0 200M 400M 600M

2.3 Liquidity

  • A Current Ratio of 1.14 indicates that CDLX should not have too much problems paying its short term obligations.
  • CDLX's Current ratio of 1.14 is in line compared to the rest of the industry. CDLX outperforms 49.46% of its industry peers.
  • A Quick Ratio of 1.14 indicates that CDLX should not have too much problems paying its short term obligations.
  • Looking at the Quick ratio, with a value of 1.14, CDLX is in line with its industry, outperforming 49.46% of the companies in the same industry.
Industry RankSector Rank
Current Ratio 1.14
Quick Ratio 1.14
CDLX Yearly Current Assets VS Current LiabilitesCDLX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2016 2017 2018 2019 2020 2021 2022 2023 2024 100M 200M 300M

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3

3. Growth

3.1 Past

  • The earnings per share for CDLX have decreased strongly by -64.00% in the last year.
  • Looking at the last year, CDLX shows a very negative growth in Revenue. The Revenue has decreased by -14.41% in the last year.
  • The Revenue has been growing slightly by 5.75% on average over the past years.
EPS 1Y (TTM)-64%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%53.33%
Revenue 1Y (TTM)-14.41%
Revenue growth 3Y1.38%
Revenue growth 5Y5.75%
Sales Q2Q%-22.41%

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
  • Based on estimates for the next years, CDLX will show a small growth in Revenue. The Revenue will grow by 6.30% on average per year.
EPS Next Y-39.92%
EPS Next 2Y9.05%
EPS Next 3Y28.68%
EPS Next 5YN/A
Revenue Next Year-13.54%
Revenue Next 2Y-8.41%
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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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

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 2Y9.05%
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 0%

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CARDLYTICS INC

NASDAQ:CDLX (1/16/2026, 8:00:02 PM)

After market: 1.22 +0.02 (+1.67%)

1.2

-0.04 (-3.23%)

Chartmill FA Rating
GICS IndustryGroupMedia & Entertainment
GICS IndustryMedia
Earnings (Last)11-05
Earnings (Next)05-05
Inst Owners42.43%
Inst Owner Change-0.21%
Ins Owners1.8%
Ins Owner Change6.86%
Market Cap64.87M
Revenue(TTM)251.18M
Net Income(TTM)-110.83M
Analysts48
Price Target1.66 (38.33%)
Short Float %9.97%
Short Ratio5.71
Dividend
Industry RankSector Rank
Dividend Yield 0%
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)37.91%
Min EPS beat(2)21.57%
Max EPS beat(2)54.25%
EPS beat(4)4
Avg EPS beat(4)46.82%
Min EPS beat(4)11.45%
Max EPS beat(4)100%
EPS beat(8)7
Avg EPS beat(8)30.49%
EPS beat(12)11
Avg EPS beat(12)47.56%
EPS beat(16)14
Avg EPS beat(16)40.36%
Revenue beat(2)0
Avg Revenue beat(2)-4.57%
Min Revenue beat(2)-5.99%
Max Revenue beat(2)-3.14%
Revenue beat(4)2
Avg Revenue beat(4)2.35%
Min Revenue beat(4)-5.99%
Max Revenue beat(4)14.02%
Revenue beat(8)3
Avg Revenue beat(8)0.47%
Revenue beat(12)4
Avg Revenue beat(12)0.27%
Revenue beat(16)6
Avg Revenue beat(16)0.94%
PT rev (1m)0%
PT rev (3m)0%
EPS NQ rev (1m)20%
EPS NQ rev (3m)3.22%
EPS NY rev (1m)16.41%
EPS NY rev (3m)-3.88%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-7.84%
Revenue NY rev (1m)0%
Revenue NY rev (3m)-3.02%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.26
P/FCF N/A
P/OCF N/A
P/B N/A
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.41
EYN/A
EPS(NY)-0.32
Fwd EYN/A
FCF(TTM)-0.34
FCFYN/A
OCF(TTM)-0.01
OCFYN/A
SpS4.65
BVpS-0.09
TBVpS-2.73
PEG (NY)N/A
PEG (5Y)N/A
Graham NumberN/A
Profitability
Industry RankSector Rank
ROA -37.85%
ROE N/A
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 55.47%
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-Score4
Asset Turnover0.86
Health
Industry RankSector Rank
Debt/Equity N/A
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 69.15%
Cap/Sales 7.03%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.14
Quick Ratio 1.14
Altman-Z -6.18
F-Score4
WACC5.03%
ROIC/WACCN/A
Cap/Depr(3y)52.63%
Cap/Depr(5y)65.84%
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)-64%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%53.33%
EPS Next Y-39.92%
EPS Next 2Y9.05%
EPS Next 3Y28.68%
EPS Next 5YN/A
Revenue 1Y (TTM)-14.41%
Revenue growth 3Y1.38%
Revenue growth 5Y5.75%
Sales Q2Q%-22.41%
Revenue Next Year-13.54%
Revenue Next 2Y-8.41%
Revenue Next 3Y6.3%
Revenue Next 5YN/A
EBIT growth 1Y38.58%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year113.99%
EBIT Next 3Y42.15%
EBIT Next 5YN/A
FCF growth 1Y34.47%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y95.43%
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 for CDLX stock?

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


What is the profitability of CDLX stock?

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


What is the expected EPS growth for CARDLYTICS INC (CDLX) stock?

The Earnings per Share (EPS) of CARDLYTICS INC (CDLX) is expected to decline by -39.92% in the next year.