Cardlytics Stock Analysis
| CDLX Stock | USD 0.92 0.02 2.22% |
200 Day MA 1.34 | 50 Day MA 0.9 | Beta 0.93 |
Macro event markers
At the current market price of $0.92, CDLX trades below the analyst target price of $1.04. The analysis below evaluates CDLX against both fundamental value and technical price behavior. CDLX is operating at a loss, which shifts analytical weight from valuation multiples toward margin trajectory and cash flow sustainability.
CDLX holds a debt-to-equity ratio of 0.42 relative to communication services peers. In the latest reported period, Net Debt is broadly unchanged at $166.59 million. Also, Net Debt To EBITDA remains stable near -8.44x; rather than measuring leverage, the negative ratio signals that Cardlytics's cash exceeds outstanding debt. Net debt trends for Cardlytics separate actual deleveraging from accounting reclassifications that shift obligations without reducing them. Debt service requirements become more acute when combined with declining operating margins. Asset vs Debt
Equity vs Debt
Price Book 1.58 | Price Sales 0.22 | Shares Float 47.67 million | Wall Street Target Price 1.04 | Earnings Share -1.95 |
Cardlytics posted $233.3 million in Total Revenue, a net loss of $103.5 million, and an operating loss of $7.0 million for the reported period.
Cardlytics |
Stock Analysis Notes
About 39.0% of CDLX shares are held by institutions such as insurance companies. CDLX has price-to-book (P/B) ratio of 1.58. Equities trading at this Price to Book (P/B) range reflect investor confidence in earnings power beyond book value. CDLX reported a loss per share of 1.95. CDLX had not issued any dividends in recent years. Cardlytics posted $0.21 in Intangibles To Total Assets, $285.6 million in Total Assets, and a Return On Assets of -38.0% for the reported period.Total Assets | $427.8 million |
Investor Insights and Alerts
A concise alert layer for Cardlytics can improve discipline because it turns scattered risk signals into a more reviewable checklist. The point is not to replace judgment, but to make sure important operating, market, or valuation changes are not ignored.
| Cardlytics had very high historical volatility over the last 90 days | |
| Cardlytics has some characteristics of a very speculative penny stock | |
| Cardlytics has a very high chance of going through financial distress in the upcoming years | |
| CDLX has a current ratio of 0.88, indicating negative working capital and limited capacity to cover financial obligations when due. | |
| CDLX reported previous year's revenue of $233.27 million. Net Loss for the year was -$103.49 million with profit before overhead, payroll, taxes, and interest of $104.61 million. | |
| Latest headline from MacroaxisInsider: Disposition of 11000 shares by Fernandez Andre J of Cardlytics subject to Rule 16 b-3 |
Largest EPS Surprises
Comparing actual EPS to consensus EPS is a practical way to interpret Cardlytics' event risk. Analyst models typically combine historical patterns with forward assumptions. For this stock, read EPS surprises with profitability quality and forward revisions.
| Reported | Fiscal Date | Estimated EPS | Reported EPS | Surprise | |||
|---|---|---|---|---|---|---|---|
2024-08-07 | 2024-06-30 | -0.13 | -0.15 | -0.02 | 15 | ||
2024-05-08 | 2024-03-31 | -0.11 | -0.09 | 0.02 | 18 | ||
2024-03-14 | 2023-12-31 | 0.12 | 0.14 | 0.02 | 16 |
Top Institutional Investors Holding Cardlytics Stock
Cardlytics's institutional and insider mix shapes how the stock trades around earnings. Annual revenue is about 233.27 million. The business currently sits in the Communication Services sector and the Media & Entertainment industry. Watching turnover and volume trends alongside ownership data adds depth to the picture.
| Shares | Gsa Capital Partners Llp | 2025-12-31 | 470.4 K | Quinn Opportunity Partners Llc | 2025-12-31 | 462.4 K | Lpl Financial Corp | 2025-12-31 | 445.4 K | Two Sigma Investments Llc | 2025-12-31 | 283.7 K | Millennium Management Llc | 2025-12-31 | 254.7 K | State Street Corp | 2025-12-31 | 227.7 K | Qube Research & Technologies | 2025-12-31 | 191.8 K | Simplex Trading, Llc | 2025-12-31 | 186.4 K | Amvescap Plc. | 2025-12-31 | 170.1 K | Vanguard Group Inc | 2025-12-31 | 2.6 M | Rbf Llc | 2025-12-31 | 1.6 M |
Market Capitalization
The latest market cap read on Cardlytics is $50.36 million, positioning the company in the micro-cap group across advertising companies. Other size-related inputs worth noting are about 55.07 million shares outstanding, enterprise value near $216.93 million, and a workforce of about 275 people.Profitability
Understanding Cardlytics' profitability goes beyond headline earnings. Margin durability, leverage, and capital needs all matter. The best read combines margin history with balance-sheet strength and pricing power under softer demand. CDLX has Profit Margin (PM) of -44.0%. Similarly, it shows Operating Margin (OM) of -10.0%.| Last Reported | End Of Year Estimate | ||
| Return On Tangible Assets | -0.61 | -0.64 | |
| Return On Capital Employed | -0.23 | -0.24 | |
| Return On Assets | -36.00% | -38.00% | |
| Return On Equity | 15.9 | 16.7 |
Management Efficiency
CDLX has return on total asset (ROA) of -8.69% indicating that it is unable to convert its asset base into positive returns. In loss territory, with costs exceeding revenue generation. CDLX also reports a return on stockholder's equity (ROE) of -326.02%, which implies that returns to shareholders were negative during the period.| Last Reported | End Of Year Estimate | ||
| Book Value Per Share | -0.12 | -0.13 | |
| Tangible Book Value Per Share | -2.3 | -2.42 | |
| Price Book Value Ratio | -9.39x | -8.92x | |
| Enterprise Value Multiple | -11.54x | -12.12x | |
| Price Fair Value | -9.39x | -8.92x | |
| Enterprise Value | $459.3 million | $788.35 million |
The management picture for Cardlytics becomes most actionable when executive decisions are compared with financial outcomes rather than with presentation language alone. This analysis evaluates whether leadership is improving the economics of the business in ways that can persist once the operating environment deteriorates.
Operating Margin | Long Term Debt Total | Short Long Term Debt Total | Expected Return 0.23 | Beta 0.93 |
Technical Drivers
As of the 4th of May, Cardlytics is valued at 0.92 per share. Indicator levels currently stand at Standard Deviation of 5.79, risk adjusted performance of 0.0066, and Mean Deviation of 4.49. Historical price dispersion and volume trends are incorporated into the evaluation. Momentum fluctuations are more frequent below $1.00. Values are analyzed in relation to historical volatility thresholds.Price Movement Analysis - Bollinger Bands
This analysis covers thirty-eight data points across the selected time horizon. Bollinger Bands frame Cardlytics price range using a moving average and volatility bands. Movement toward the lower band may indicate short-term downside pressure, while approaches to the upper band can reflect resistance levels or momentum continuation.
Insider Trading Activities
The analytical value in Cardlytics' insider filings lies in transaction clustering, trade size, and timing relative to price movements rather than any single filing. At micro-cap scale, institutional coverage and secondary-market liquidity are typically well established. These records work best as context, not as standalone buy-or-sell signals.
Outstanding Bonds
Reviewing Cardlytics bond obligations provides context for understanding how much of the business is financed with fixed-income capital rather than purely with equity. Maturity profile, refinancing windows, and coupon burden can all affect how resilient the capital structure looks in a weaker market.
| MPLX LP 52 Corp BondUS55336VAL45 | View | |
| Morgan Stanley Jul Corp BondUS61744YAK47 | View | |
| Morgan Stanley 3971 Corp BondUS61744YAL20 | View | |
| MGM Resorts International Corp BondUS552953CD18 | View |
Predictive Daily Indicators
Daily signals in Cardlytics help active traders track momentum, reversals, and volume pressure during the session. The best setups combine these signals with strict risk limits, since short-term data can reverse fast when liquidity thins.
Forecast Models
Quantitative tools for Cardlytics focus on observed patterns, which helps when markets move faster than research can update. They work best when compared with volatility and catalyst risk rather than treated as a single price target.Financial Strength and Earnings Quality Indicators
Cardlytics financial ratings play a critical role in determining how much Cardlytics has to pay to access credit markets, i.e., the amount of interest on their issued debt. The threshold between investment-grade and speculative-grade ratings has important market implications for Cardlytics' borrowing costs.| Piotroski F Score | 6 | Healthy | View |
| Beneish M Score | -3.17 | Unlikely Manipulator | View |
Debt to Cash Allocation
The debt-to-cash mix for Cardlytics helps explain how management balances flexibility and funding cost through a business cycle.
Total debt stands at approximately $215.31 million with Debt to Equity (D/E) ratio of 0.42. CDLX has a current ratio of 0.88, indicating negative working capital and limited capacity to cover financial obligations when due. Cardlytics' use of debt should be considered alongside its cash position and equity base.Total Assets Over Time
Assets Financed by Debt
Debt finances 53.0% of CDLX's total assets — a moderate level, though leverage may still be elevated relative to peers depending on capital structure.Cardlytics Debt Ratio | 53.0 |
Corporate Bonds Issued
Bond maturity for Cardlytics is a core risk dimension. Longer duration can offer higher yield, but price sensitivity and credit uncertainty also increase.
Cardlytics Short Long Term Debt Total
Short Long Term Debt Total | $158.7 million |
Stock Analysis Methodology
The analysis of Cardlytics measures how valuation, margins, and momentum interact. Financial distress probability is estimated at 83%, flagging elevated solvency concern. A beta of 1.8279 indicates amplified sensitivity to market swings.
Reported values for Cardlytics are derived from periodic company reporting and market reference feeds and standardized for analysis.
Editorial review and methodology oversight provided by: Gabriel Shpitalnik, Member of Macroaxis Editorial Board
Current Cardlytics Analyst Rating Consensus
| Target Price | Consensus | # of Analysts | |
| 1.04 | Hold | 6 | Odds |
Analyst recommendations for Cardlytics are summarized from various research providers. The average consensus rating provides a summary measure of analyst sentiment for Cardlytics. Coverage by multiple analysts provides a broader perspective on Cardlytics's valuation trajectory. Changes in analyst price targets for Cardlytics can be as informative as the ratings themselves. Divergences in Cardlytics price targets reflect differences in assumptions about growth, margins, and discount rates. Analyst coverage depth and direction are both valuable signals for Cardlytics investors.
Cardlytics Stock Analysis Indicators
Diagnostics snapshot includes 18 indicators such as Begin Period Cash Flow, Long Term Debt, Common Stock Shares Outstanding.
| Begin Period Cash Flow | 65.59 million | |
| Long Term Debt | 208.92 million | |
| Common Stock Shares Outstanding | 53.11 million | |
| Total Stockholder Equity | -6.51 million | |
| Total Cashflows From Investing Activities | -15.3 million | |
| Quarterly Earnings Growth Y O Y | -0.567 | |
| Property Plant And Equipment Net | 6.97 million | |
| Cash And Short Term Investments | 48.72 million | |
| Cash | 48.72 million | |
| Accounts Payable | 3.36 million | |
| Net Debt | 166.59 million | |
| 50 Day M A | 0.9026 | |
| Total Current Liabilities | 78.39 million | |
| Other Operating Expenses | 280.41 million | |
| Non Current Assets Total | 148.36 million | |
| Forward Price Earnings | 36.4964 | |
| Non Currrent Assets Other | 25.53 million | |
| Stock Based Compensation | 28.13 million |
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