CDLX

Company Overview — What Does Cardlytics, Inc. Do?

Cardlytics, Inc. operates an advertising platform in the United States and the United Kingdom. It offers Cardlytics platform, a proprietary native bank advertising channel that enables marketers to reach customers through their network of financial institution partners through digital channels, such as online, mobile applications, email, and various real-time notifications; and Bridg platform, a customer data platform which utilizes point-of-sale data and enables marketers to perform analytics and targeted loyalty marketing, as well as measure the impact of their marketing. The company was incorporated in 2008 and is headquartered in Atlanta, Georgia. Cardlytics, Inc. (CDLX) is classified as a micro-cap stock in the Technology sector, specifically within the Computer Software industry. The company is led by CEO Karim Temsamani and employs approximately 500 people. With a market capitalization of $55M, CDLX is one of the notable companies in the Technology sector.

Cardlytics, Inc. (CDLX) Stock Rating — Reduce (April 2026)

As of April 2026, Cardlytics, Inc. receives a Reduce rating with a composite score of 20.9/100 and 2 out of 5 stars from the Blank Capital Research quantitative model.CDLX ranks #3,292 out of 4,446 stocks in our coverage universe. Within the Technology sector, Cardlytics, Inc. ranks #385 of 584 stocks, placing it in the lower half of its Technology peers. The rating is generated by a multi-factor model that weighs quality (30%), momentum (25%), value (15%), investment (10%), stability (10%), and short interest (10%).

CDLX Stock Price and 52-Week Range

Cardlytics, Inc. (CDLX) currently trades at $0.90. The stock lost $0.07 (7.4%) in the most recent trading session. The 52-week high for CDLX is $3.28, which means the stock is currently trading -72.7% from its annual peak. The 52-week low is $0.66, putting the stock 35.2% above its annual trough. Recent trading volume was 1.9M shares, reflecting moderate market activity.

Is CDLX Overvalued or Undervalued? — Valuation Analysis

Cardlytics, Inc. (CDLX) carries a value factor score of 14/100 in the Blank Capital model, signaling premium valuation that prices in significant future growth. The price-to-sales ratio is 0.26x, compared to 1.06x for the average Technology stock.

At current multiples, Cardlytics, Inc. trades at a premium to most Technology peers. This elevated valuation may be justified if the company can sustain above-average growth rates and profitability, but it also creates downside risk if earnings disappoint expectations.

Cardlytics, Inc. Profitability — ROE, Margins, and Quality Score

Cardlytics, Inc. (CDLX) earns a quality factor score of 20/100, signaling below-average profitability metrics relative to the broader market. Return on assets (ROA) comes in at -84.2% versus the sector average of -1.0%.

On a margin basis, Cardlytics, Inc. reports gross margins of 100.0%, compared to 50.9% for the sector. The operating margin is -99.2% (sector: -0.5%). Net profit margin stands at -98.1%, versus -1.5% for the average Technology stock. Revenue growth is running at -25.3% on a trailing basis, compared to 14.2% for the sector. Profitability is below benchmark levels, which may reflect industry headwinds, elevated reinvestment, or structural challenges.

CDLX Debt, Balance Sheet, and Financial Health

Balance sheet data for CDLX is evaluated through our stability factor. The current ratio is 1.75x, suggesting adequate working capital coverage. Total debt on the balance sheet is $213M. Cash and equivalents stand at $44M.

CDLX has a beta of 2.40, meaning it is more volatile than the broader market — a $10,000 investment in CDLX would be expected to move 140.4% more than the S&P 500 on any given day. The stability factor score for Cardlytics, Inc. is 11/100, suggesting elevated price swings that may be unsuitable for conservative portfolios.

Cardlytics, Inc. Revenue and Earnings History — Quarterly Trend

In TTM 2026, Cardlytics, Inc. reported revenue of $244M and earnings per share (EPS) of $-1.95. Net income for the quarter was $-240M. Gross margin was 100.0%. Operating income came in at $-244M.

In FY 2025, Cardlytics, Inc. reported revenue of $233M and earnings per share (EPS) of $-1.95. Net income for the quarter was $-103M. Revenue grew -16.2% year-over-year compared to FY 2024. Operating income came in at $-102M.

In Q3 2025, Cardlytics, Inc. reported revenue of $52M and earnings per share (EPS) of $-1.36. Net income for the quarter was $-73M. Revenue grew -22.4% year-over-year compared to Q3 2024. Operating income came in at $-69M.

In Q2 2025, Cardlytics, Inc. reported revenue of $63M and earnings per share (EPS) of $-0.18. Net income for the quarter was $-9M. Revenue grew -9.2% year-over-year compared to Q2 2024. Operating income came in at $-13M.

Over the past 8 quarters, Cardlytics, Inc. has demonstrated a growth trajectory, with revenue expanding from $70M to $244M. Investors analyzing CDLX stock should weigh these quarterly trends alongside the valuation and quality metrics discussed above.

CDLX Dividend Yield and Income Analysis

Cardlytics, Inc. (CDLX) does not currently pay a dividend. This is common among smaller companies in the Computer Software industry that prefer to reinvest cash flows into business expansion rather than returning capital to shareholders. Income-focused investors looking for Technology dividend stocks may want to explore other Technology stocks or use the stock screener to filter by dividend yield.

CDLX Momentum and Technical Analysis Profile

Cardlytics, Inc. (CDLX) has a momentum factor score of 17/100, signaling weak relative price performance. Stocks with low momentum scores have historically tended to continue underperforming in the near term. The investment factor score is 38/100, which measures capital allocation efficiency and asset growth patterns. The short interest score of 36/100 signals elevated short interest, which can indicate bearish sentiment among institutional investors.

CDLX vs Competitors — Technology Sector Ranking and Peer Comparison

Within the Technology sector, Cardlytics, Inc. (CDLX) ranks #385 out of 584 stocks based on the Blank Capital composite score. This places CDLX in the lower half of all Technology stocks in our coverage universe. Key competitors and sector peers include IHS Holding Ltd (IHS) with a score of 55.0/100, VERISIGN INC/CA (VRSN) with a score of 56.0/100, ESCO TECHNOLOGIES INC (ESE) with a score of 51.7/100, CareCloud, Inc. (CCLD) with a score of 46.9/100, and MMTec, Inc. (MTC) with a score of 47.4/100.

Comparing CDLX against the S&P 500 benchmark is also instructive for understanding relative performance. Investors can view the full CDLX vs S&P 500 (SPY) comparison to assess how Cardlytics, Inc. stacks up against the broader market across all factor dimensions.

CDLX Next Earnings Date

No upcoming earnings date has been announced for Cardlytics, Inc. (CDLX) at this time. Check the earnings calendar for the latest scheduling updates across all stocks in our coverage universe.

Should You Buy CDLX? — Investment Thesis Summary

The quantitative profile for Cardlytics, Inc. suggests caution. The quality score of 20/100 flags below-average profitability. The value score of 14/100 indicates premium valuation. Momentum is weak at 17/100, a headwind for near-term performance. High volatility (stability score 11/100) increases portfolio risk.

In summary, Cardlytics, Inc. (CDLX) earns a Reduce rating with a composite score of 20.9/100 as of April 2026. The rating is derived from the Blank Capital Research methodology, which combines six factor dimensions into a single quantitative ranking. Investors should consider these quantitative signals alongside their own fundamental research, risk tolerance, and investment time horizon before making buy or sell decisions on CDLX stock.

Related Resources for CDLX Investors

Explore more research and tools: CDLX vs S&P 500 comparison, top Technology stocks, stock screener, our methodology, quality factor explained, value factor explained, momentum factor explained. Compare CDLX head-to-head with peers: CDLX vs IHS, CDLX vs VRSN, CDLX vs ESE.