Cardlytics, Inc. (CDLX) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Cardlytics, Inc. (CDLX) trades at $4.30 with AI Score 19/100 (Grade F). Cardlytics, Inc. operates an advertising platform that connects marketers with consumers through financial institutions' digital channels. Market cap: $25.0M, Sector: Communication services.
Price as of Aug 21, 2026 · Last analyzed: May 10, 2026CDLX stock analysis for 2026: Analysts have set a consensus price target of $1.04 for Cardlytics, Inc., suggesting 75.9% downside from the current price of $4.30. The AI MoonshotScore is 19/100, indicating a strong bearish outlook. Key factors: analyst coverage, AI-driven quantitative scoring.
CDLX: 1/3 scored disciplines lean bearish. Dominant signal: Izzy Englander bullish.
How is this calculated? →Why this analysis is different
- A sector-relative MoonshotScore — five pillars (business quality, financial safety, valuation, growth durability, momentum) re-ranked nightly against the full universe of US-listed common stocks.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Cardlytics, Inc. (CDLX) Media & Communications Profile
Cardlytics, Inc. operates a native bank advertising channel, connecting marketers with consumers via financial institutions' digital platforms. Its proprietary platform and customer data solutions enable targeted advertising and marketing analytics, positioning it within the competitive advertising landscape against larger digital advertising players.
What Is the Investment Thesis for CDLX?
Cardlytics presents a unique advertising model leveraging financial transaction data. Key value drivers include expanding partnerships with financial institutions to increase reach and enhancing the capabilities of the Bridg platform to offer more sophisticated analytics and marketing solutions. Growth catalysts include the increasing demand for targeted advertising and measurable marketing ROI. However, the company's negative profit margin of -46.0% and market capitalization of $25.0M indicate financial challenges. Investors should monitor the company's ability to achieve profitability and scale its platform effectively. The company's beta of 0.93 suggests moderate volatility relative to the market.
Based on FMP financials and quantitative analysis
CDLX Key Highlights
Operates an advertising platform in the United States and the United Kingdom.
- Offers Cardlytics platform, a native bank advertising channel.
- Provides Bridg platform, a customer data platform for marketing analytics.
- Headquartered in Atlanta, Georgia, and incorporated in 2008.
- Employs approximately 440 people.
Who Are CDLX's Competitors?
CDLX is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| IFUS Impact Fusion International, Inc. | $0.04 | +0.00% | $26.0M | 63 |
| ACHN Achison Inc. | $0.79 | -21.66% | $23.7M | 61 |
| MOBQ Mobiquity Technologies, Inc. | $0.77 | +11.33% | $19.6M | 63 |
| ACCS ACCESS Newswire Inc. | $4.95 | +0.00% | $19.2M | 50 |
| SWAG Stran & Company, Inc. | $1.86 | -1.06% | $34.7M | 56 |
| ADTHW AdTheorent Holding Company, Inc. | $0.47 | +100.00% | $43.1M | 50 |
| SDM Smart Digital Group Limited | $1.85 | +0.00% | $49.4M | 56 |
| XNET Xunlei Limited | $5.11 | +1.29% | $64.2M | 58 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are CDLX's Key Strengths?
Proprietary native bank advertising channel.
- Access to valuable consumer transaction data.
- Customer data platform for marketing analytics.
- Established relationships with financial institutions.
What Are CDLX's Weaknesses?
Negative profit margin.
- Small market capitalization.
- Reliance on financial institution partnerships.
- Limited geographic reach.
What Could Drive CDLX Stock Higher?
Expansion of partnerships with financial institutions to increase reach and data access.
- Enhancement of the Bridg platform to offer more sophisticated analytics and marketing solutions.
- Increasing adoption of the Cardlytics platform by marketers seeking targeted advertising solutions.
What Are the Key Risks for CDLX?
Financial-distress signal — its Altman Z-Score of -8.77 sits in the distress zone (elevated bankruptcy risk).
- Competition from established digital advertising giants with greater resources and market share.
- Regulatory scrutiny and concerns regarding data privacy affecting the use of consumer transaction data.
- Economic downturn affecting advertising spending and marketer budgets.
- Reliance on financial institution partnerships, which could be disrupted by changes in banking regulations or technology.
What Are the Growth Opportunities for CDLX?
- Expand partnerships with financial institutions: Increasing the number of financial institution partners will expand Cardlytics' reach and access to consumer transaction data. This can lead to more targeted advertising campaigns and increased revenue. The market for bank-based advertising is substantial, with potential for significant growth as more financial institutions adopt digital advertising solutions. Timeline: Ongoing.
- Enhance the capabilities of the Bridg platform: Developing more sophisticated analytics and marketing tools within the Bridg platform will attract more marketers and increase the value of the platform. This includes features such as predictive analytics, personalized offers, and advanced segmentation. The market for customer data platforms is growing rapidly, driven by the increasing need for data-driven marketing. Timeline: Ongoing.
- Increase adoption of the Cardlytics platform by marketers: Attracting more marketers to use the Cardlytics platform will drive revenue growth. This can be achieved through targeted marketing campaigns, partnerships with advertising agencies, and demonstrating the effectiveness of the platform. The market for targeted advertising is substantial, with potential for significant growth as marketers seek more efficient and measurable advertising solutions. Timeline: Ongoing.
- Expand into new geographic markets: Expanding into new geographic markets beyond the United States and the United Kingdom will increase Cardlytics' revenue potential. This includes markets with a high penetration of digital banking and a strong demand for targeted advertising. The global market for digital advertising is growing rapidly, presenting opportunities for companies like Cardlytics. Timeline: Potential within the next 3-5 years.
- Develop new advertising formats and channels: Developing new advertising formats and channels will increase the appeal of the Cardlytics platform to marketers. This includes formats such as video advertising, interactive advertising, and personalized offers. The market for innovative advertising formats is growing rapidly, driven by the increasing demand for engaging and effective advertising solutions. Timeline: Ongoing.
What Are CDLX's Competitive Advantages?
- Proprietary native bank advertising channel.
- Access to consumer transaction data through financial institution partnerships.
- Customer data platform for marketing analytics.
- Established relationships with financial institutions.
What Does CDLX Do?
Cardlytics, Inc., founded in 2008 and headquartered in Atlanta, Georgia, operates an advertising platform that bridges the gap between marketers and consumers through financial institutions. The company's core offering is the Cardlytics platform, a native bank advertising channel that allows marketers to reach customers via digital channels such as online banking portals, mobile applications, email, and real-time notifications. This platform leverages transaction data to deliver targeted advertising based on consumer spending habits. In addition to the Cardlytics platform, the company offers Bridg, a customer data platform that utilizes point-of-sale data to enable marketers to perform analytics, targeted loyalty marketing, and measure the impact of their marketing campaigns. Cardlytics operates primarily in the United States and the United Kingdom, partnering with a network of financial institutions to provide its advertising services. The company aims to provide a more effective and measurable advertising solution compared to traditional methods.
What Products and Services Does CDLX Offer?
- Operates an advertising platform.
- Connects marketers with consumers through financial institutions.
- Offers targeted advertising based on transaction data.
- Provides a native bank advertising channel.
- Offers a customer data platform for marketing analytics.
- Enables marketers to measure the impact of their marketing campaigns.
- Partners with financial institutions to provide advertising services.
How Does CDLX Make Money?
- Generates revenue by charging marketers for advertising services.
- Partners with financial institutions to access consumer transaction data.
- Provides a platform for targeted advertising and marketing analytics.
- Offers a customer data platform for enhanced marketing capabilities.
What Industry Does CDLX Operate In?
Cardlytics operates within the advertising agencies industry, a segment of the broader communication services sector. The industry is characterized by intense competition from established digital advertising giants and evolving consumer preferences. The increasing demand for data-driven advertising and measurable marketing ROI presents opportunities for companies like Cardlytics. However, the industry is also subject to regulatory scrutiny and concerns regarding data privacy. Cardlytics' unique approach of leveraging financial transaction data differentiates it from competitors, but it must navigate the challenges of data security and compliance.
Who Are CDLX's Key Customers?
- Marketers seeking to reach consumers through targeted advertising.
- Financial institutions seeking to monetize their customer data.
- Advertising agencies seeking to provide data-driven advertising solutions.
Forward Outlook
Wall Street analysts project Cardlytics, Inc. revenue of about $148.7M for fiscal 2026, with EPS near $-6.06. The estimate reflects 4 contributing analysts.
Quarterly Financial Performance: Cardlytics, Inc.
Revenue for Cardlytics, Inc. came in at $36.9M during Q2 2026, a 7.5% improvement versus the preceding quarter. The company recorded a net loss of $14.9M, with diluted EPS of $-2.58. Quarter-over-quarter revenue has been mixed, typical for a micro-cap company operating in Communication Services. Across the four most recent quarters, CDLX averaged $-4.64 in diluted EPS.
CDLX Valuation & Market Position
With a $25.0M market cap, Cardlytics, Inc. sits in the micro-cap segment of the market. Relative to its peer group, CDLX's quantitative score of 19/100 is below the peer average of 59/100.
Key Financial Metrics
Return on assets is -7.7%, showing how much profit it generates from its asset base. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 2.17 indicates the company holds enough short-term assets to cover its near-term obligations. Its earnings yield is 0.0%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Cardlytics, Inc.'s Piotroski F-Score is 4/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of -8.77 places it in the distress zone, a signal of elevated financial risk.
Earnings Track Record
Cardlytics, Inc. has beaten Wall Street's EPS estimate in 5 of its last 8 reported quarters — more hits than misses. Reported results have landed about 23.2% below estimates on average.
Company Profile
Cardlytics, Inc. operates in the Advertising Agencies industry within the Communication Services sector. It is headquartered in Atlanta, US. The company is led by CEO Amit Gupta. CDLX has traded publicly since 2018.
CDLX Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Recent insider buying suggests confidence in Cardlytics' future performance, indicating that executives believe in the company's growth potential.
- Community sentiment has shifted positively as users discuss innovative partnerships that could enhance customer engagement and revenue.
- The company’s focus on expanding its advertising solutions is resonating well with marketers, reflecting a strong demand for its services.
- Recent developments in data analytics capabilities have sparked interest, positioning Cardlytics as a leader in targeted advertising.
Bear Case
- Concerns about market competition are rising, as new entrants are emerging with similar advertising technologies, potentially impacting Cardlytics' market share.
- Some community members express skepticism regarding the company's ability to scale its operations effectively in a rapidly changing digital landscape.
- Recent quarterly performance reports have left some investors uneasy, as growth metrics did not meet expectations, leading to a cautious outlook.
- The overall economic environment remains uncertain, which could affect advertising budgets and spending, posing risks to Cardlytics' revenue streams.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · March 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $37M | -$15M | -$2.58 |
| Q1 2026 | $34M | -$4M | -$0.80 |
| Q4 2025 | $56M | -$8M | -$1.60 |
| Q3 2025 | $52M | -$73M | -$13.60 |
Based on FMP financials and quantitative analysis
CDLX Latest News
-
Earnings Scheduled For November 5, 2025
benzinga · Nov 5, 2025
-
Stocks That Hit 52-Week Lows On Monday
benzinga · Mar 20, 2023
-
Stocks That Hit 52-Week Lows On Tuesday
benzinga · Oct 11, 2022
-
Stocks That Hit 52-Week Lows On Thursday
benzinga · Sep 29, 2022
CDLX Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for CDLX.
Price Targets
Consensus target: $1.04
CDLX MoonshotScore
What does this score mean?
The MoonshotScore rates CDLX 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Amit Gupta
CEO
Amit Gupta serves as the CEO of Cardlytics, leading the company's strategic direction and overseeing its operations. His background includes experience in technology and data-driven marketing. Prior to Cardlytics, he held leadership positions at various companies, focusing on product development, business strategy, and marketing innovation. His expertise in leveraging data to drive business growth is instrumental in guiding Cardlytics' expansion and market positioning.
Track Record: Under Amit Gupta's leadership, Cardlytics has focused on expanding its platform capabilities and strengthening its partnerships with financial institutions. Key milestones include enhancing the Bridg platform and increasing the number of marketers using the Cardlytics platform. The company has also navigated the challenges of the evolving advertising landscape and the increasing demand for data privacy.
What Investors Ask About Cardlytics, Inc. (CDLX) — Communication Services
What does the AI Score mean for CDLX?
CDLX holds an AI Score of 19/100 (Grade: F). This is an educational research signal, not a buy or sell recommendation. Cardlytics, Inc. operates an advertising platform that connects marketers with consumers through financial institutions' digital channels. The company leverages transaction data to offer targeted …
What does Cardlytics, Inc. do?
Cardlytics, Inc. operates an advertising platform that connects marketers with consumers through financial institutions' digital channels. The company's core offering is the Cardlytics platform, a native bank advertising channel that allows marketers to reach customers via online banking portals, mobile applications, email, and real-time notifications.
What are the main risks for CDLX?
The main risks for Cardlytics include competition from established digital advertising giants, regulatory scrutiny and concerns regarding data privacy, and economic downturns affecting advertising spending. The company's reliance on financial institution partnerships also poses a risk, as changes in banking regulations or technology could disrupt these relationships. Additionally, the company's negative profit margin indicates financial challenges that need to be addressed to ensure long-term sustainability.
What are the key factors to evaluate for CDLX?
Cardlytics, Inc. (CDLX) holds an AI score of 19/100 (low). Analysts target $1.04 (-76%). Cardlytics presents a unique advertising model leveraging financial transaction data. Not financial advice.
How frequently does CDLX data refresh on this page?
CDLX's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven CDLX's recent stock price performance?
Cardlytics, Inc. (CDLX) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Proprietary native bank advertising channel. See the News tab for the latest drivers. Past performance does not predict future results.
Should investors consider CDLX overvalued or undervalued right now?
Cardlytics, Inc. (CDLX) is loss-making, so its trailing P/E is negative (-1.8x) and not usable for valuation — lean on price-to-sales and cash flow in the Financials tab. Analysts target $1.04 (-76%) — downside risk seen. Compare P/E, P/S, and EV/EBITDA against sector peers for a full view.
How do I research CDLX before investing?
Before investing in Cardlytics, Inc. (CDLX), research these four areas: (1) the company's revenue model and competitive position (see Company Overview), (2) financial health through revenue growth, margins, and cash flow (see MoonshotScore), (3) analyst consensus ratings and price targets (see Analyst tab), and (4) specific risk factors that could impact the stock (see Risk Factors section).
Why might investors consider adding CDLX to a portfolio?
Key strength of Cardlytics, Inc. (CDLX): Proprietary native bank advertising channel. Weigh rewards against risks and diversify. Not financial advice.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- Information is based on limited data provided.
- Analyst consensus and detailed financial analysis are not available.