Cardlytics (CDLX) Stock Price, News & Analysis

Company Overview

Cardlytics, Inc. is a marketing technology company that operates a purchase intelligence platform connecting financial institutions and brands through card-linked offers. By analyzing anonymized transaction data from debit and credit card networks, Cardlytics enables banks and credit unions to deliver personalized, purchase-based marketing campaigns to their customers across digital and physical channels. The platform aggregates and anonymizes card spend data to provide insights into consumer trends, helping advertisers target high-intent audiences and measure campaign effectiveness.

The company’s core offerings include card-linked marketing solutions and advanced analytics dashboards. Through its bank and retailer partnerships, Cardlytics integrates targeted offers directly into online and mobile banking interfaces, driving consumer engagement at the point of sale. Retailers and brands can leverage the platform to design, launch and track promotional programs, while financial institutions benefit from non-interest revenue streams and enhanced customer loyalty. Additional services, such as campaign optimization tools and performance reporting, empower clients to refine strategies in real time based on spend performance data.

Founded in 2008 and headquartered in Atlanta, Georgia, Cardlytics has grown to become a leading provider of purchase-based marketing services, serving financial institutions and consumer brands across North America and Europe. The company collaborates with major banks and credit card networks to leverage anonymized transaction data, supporting clients in crafting targeted campaigns and measuring return on marketing spend. Over the years, Cardlytics has expanded its global footprint with an office in London and partnerships across sectors including retail, dining, travel and e-commerce.

Led by CEO Andrew Davies and a seasoned management team with deep expertise in banking, marketing and data science, Cardlytics continues to enhance its platform with advanced analytics, machine learning and real-time insights. The company’s board features executives from the financial services and technology industries, underscoring its commitment to governance and strategic growth. As digital marketing evolves, Cardlytics leverages its unique position at the intersection of financial data and consumer engagement to deliver measurable value to both advertisers and financial institutions.

Key Stats

• Today's Range: $1.79 to $1.86
• 50-Day Range: $1.44 to $2.17
• 52-Week Range: $1.22 to $9.48
• Volume: 169,170 shs
• Average Volume: 998,832 shs
• Market Capitalization: $93.19 million
• P/E Ratio: N/A
• Dividend Yield: N/A
• Price Target: $3.50
• Consensus Rating: Hold

Cardlytics Stock Analysis - MarketRank™

Cardlytics scored higher than 78% of companies evaluated by MarketBeat, and ranked 66th out of 301 stocks in the business services sector. Scores are calculated by averaging available category scores, with extra weight given to analysis and valuation.

Analyst's Opinion

• Score: 3.1 / 5
• Analyst Rating: Hold

Consensus Rating

Cardlytics has received a consensus rating of Hold. The company's average rating score is 2.14, and is based on no buy ratings, 5 hold ratings, and 1 sell rating.

Amount of Analyst Coverage

Cardlytics has only been the subject of 1 research reports in the past 90 days.

Earnings and Valuation

• Score: 0.0 / 5
• Proj. Earnings Growth: Decreasing

Earnings Growth

Earnings for Cardlytics are expected to decrease in the coming year, from ($1.52) to ($1.70) per share.

Price to Earnings Ratio vs. the Market

The P/E ratio of Cardlytics is -0.50, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Earnings Ratio vs. Sector

The P/E ratio of Cardlytics is -0.50, which means that its earnings are negative and its P/E ratio cannot be compared to companies with positive earnings.

Price to Book Value per Share Ratio

Cardlytics has a P/B Ratio of 1.29. P/B Ratios below 3 indicates that a company is reasonably valued with respect to its assets and liabilities.

Short Interest

• Score: 3.0 / 5
• Short Interest Level: Healthy

Percentage of Shares Shorted

15.98% of the float of Cardlytics has been sold short.

Short Interest Ratio / Days to Cover

Cardlytics has a short interest ratio ("days to cover") of 9.2.

Change versus previous month

Short interest in Cardlytics has recently decreased by 6.42%, indicating that investor sentiment is improving significantly.

Dividend

• Score: 0.0 / 5
• Dividend Strength: N/A

Dividend Yield

Cardlytics does not currently pay a dividend.

Dividend Growth

Cardlytics does not have a long track record of dividend growth.

Sustainability and ESG

• Score: 2.8 / 5
• Environmental Score: -0.67

Percentage of Shares Shorted

15.98% of the float of Cardlytics has been sold short.

Short Interest Ratio / Days to Cover

Cardlytics has a short interest ratio ("days to cover") of 9.2.

Change versus previous month

Short interest in Cardlytics has recently decreased by 6.42%, indicating that investor sentiment is improving significantly.

News and Social Media

• Score: 3.1 / 5
• News Sentiment: 0.54

News Sentiment

Cardlytics has a news sentiment score of 0.54. This score is calculated as an average of sentiment of articles about the company over the last seven days and ranges from 2 (good news) to -2 (bad news). This news sentiment score is similar to the average news sentiment of Business Services companies.

News Coverage This Week

MarketBeat has tracked 8 news articles for Cardlytics this week, compared to 6 articles on an average week.

Search Interest

5 people have searched for CDLX on MarketBeat in the last 30 days. This is an increase of 400% compared to the previous 30 days.

MarketBeat Follows

2 people have added Cardlytics to their MarketBeat watchlist in the last 30 days. This is an increase of 100% compared to the previous 30 days.

Company Ownership

• Score: 2.5 / 5
• Insider Trading: Selling Shares

Insider Buying vs. Insider Selling

In the past three months, Cardlytics insiders have sold more of their company's stock than they have bought. Specifically, they have bought $0.00 in company stock and sold $34,847.00 in company stock.

Percentage Held by Insiders

Only 4.40% of the stock of Cardlytics is held by insiders.

Percentage Held by Institutions

68.10% of the stock of Cardlytics is held by institutions. High institutional ownership can be a signal of strong market trust in this company.

CDLX Stock Analysis - Frequently Asked Questions

How have CDLX shares performed this year?

Cardlytics' stock was trading at $3.71 on January 1st, 2025. Since then, CDLX stock has decreased by 52.2% and is now trading at $1.7750.

How were Cardlytics' earnings last quarter?

Cardlytics, Inc. (NASDAQ:CDLX) issued its quarterly earnings results on Wednesday, November, 6th. The company reported ($0.15) earnings per share (EPS) for the quarter, topping the consensus estimate of ($0.33) by $0.18. The company's revenue for the quarter was down 15.1% on a year-over-year basis.
Read the conference call transcript.

Does Cardlytics have any subsidiaries?

Cardlytics subsidiaries include these companies: Bridg, DOSH, Cardlytics Services India Private Limited, and Cardlytics UK Limited.

When did Cardlytics IPO?

Cardlytics (CDLX) raised $76 million in an initial public offering (IPO) on Friday, February 9th 2018. The company issued 5,400,000 shares at a price of $13.00-$15.00 per share. BofA Merrill Lynch and J.P. Morgan served as the underwriters for the IPO and Wells Fargo Securities, SunTrust Robinson Humphrey, Raymond James and KeyBanc Capital Markets were co-managers.

How do I buy shares of Cardlytics?

Shares of CDLX stock can be purchased through any online brokerage account. Popular online brokerages with access to the U.S. stock market include Charles Schwab, E*TRADE, Fidelity, and Vanguard Brokerage Services.

What other stocks do shareholders of Cardlytics own?

Based on aggregate information from My MarketBeat watchlists, some other companies that Cardlytics investors own include NVIDIA (NVDA), Meta Platforms (META), Advanced Micro Devices (AMD), Netflix (NFLX), Tesla (TSLA), Intel (INTC) and Rambus (RMBS).

Company Calendar

• Last Earnings: 11/06/2024
• Today: 7/07/2025
• Next Earnings (Estimated): 7/28/2025
• Fiscal Year End: 12/31/2025

Industry, Sector and Symbol

• Stock Exchange: NASDAQ
• Sector: Business Services
• Industry: Technology Services
• Sub-Industry: Computer Software
• Current Symbol: NASDAQ:CDLX
• CIK: 1666071
• Web: www.cardlytics.com
• Phone: (888) 798-5802
• Fax: N/A
• Employees: 500
• Year Founded: 2008

Price Target and Rating

• Average Stock Price Target: $3.50
• High Stock Price Target: $5.00
• Low Stock Price Target: $2.50
• Potential Upside/Downside: +87.7%
• Consensus Rating: Hold
• Rating Score (0-4): 2.14
• Research Coverage: 7 Analysts

Profitability

• EPS (Trailing Twelve Months): ($3.56)
• Trailing P/E Ratio: N/A
• Forward P/E Ratio: N/A
• P/E Growth: N/A
• Net Income: -$189.30 million
• Net Margins: -65.41%
• Pretax Margin: -65.41%
• Return on Equity: -172.36%
• Return on Assets: -42.07%

Debt

• Debt-to-Equity Ratio: 2.62
• Current Ratio: 1.19
• Quick Ratio: 1.19

Sales & Book Value

• Annual Sales: $278.30 million
• Price / Sales: 0.35
• Cash Flow: N/A
• Price / Cash Flow: N/A
• Book Value: $1.38 per share
• Price / Book: 1.35

Miscellaneous

• Outstanding Shares: 52,500,000
• Free Float: 50,192,000
• Market Cap: $97.91 million
• Optionable: Optionable
• Beta: 1.21