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CDLX · NASDAQ · Advertising Agencies

Cardlytics

Connects card-linked offers with digital-banking customers and sales measurement.

$4.03

After-hours close+0.01 (+0.21%)

At close$4.02(+0.25%)

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Profile

Cardlytics, Inc.CDLXCommunication Services

The platform helps marketers deliver card-linked offers through participating financial institutions’ digital-banking channels and measure incremental sales. Its multi-sided model connects FI partners’ anonymized purchase data and customer access with advertiser campaigns.

A financial media network uses anonymized purchase data from participating financial institutions to place card-linked offers in online and mobile banking channels. Financial-institution partners provide digital-banking access and customer data, while marketers use the network’s audience and measurement capabilities to engage potential buyers and measure incremental sales. Named partners include Chase, Wells Fargo, and American Express.

The Cardlytics platform is the current core business. In March 2026, the company sold its Bridg assets and said it would concentrate resources on scaling that platform. Its operating model depends on continued access to a limited number of financial-institution partner channels and their data.

Company facts

CEOAmit Gupta

ListedFeb 13, 2018

ExchangeNASDAQ

HeadquartersAtlanta, GA

CountryUnited States

Employees275

CIK0001666071

ISINUS14161W3034

Key statistics

Market cap$23.3M

EPS (ttm)−$18.58

P/E (ttm)−0.2164

ROE1,284.8%

P/B−1.45

P/S0.1302

Dividend yield—

Beta2.45vs XLC 0.83

Year to date −64.1% · Average volume (30d) 44.4K

Analysts

Price target, next 12 months$1.00−75.1%Median of 15 analysts · vs the Aug 28 close

ConsensusHold4 of 15 analysts rate it buy or better

Ratings

Strong buyBuyHoldSellStrong sell

Target range

Last close $4.02

High$1.00−75.1%

Median$1.00−75.1%

Low$1.00−75.1%

12 months agoNowIn 12 months

Latest analyst notes

Date	Firm	Action	Prior target	Target
May 8, 2026	Lake Street	Target	$3	$1
Mar 6, 2026	Evercore ISI	Target	$4	$1

Earnings

EPS

Estimate−$1.93

ReportedDue Nov 4, 2026

Revenue

Estimate$37.1M

ReportedDue Nov 4, 2026

History

Report date	EPS est	EPS	Surprise	Revenue est	Revenue	Surprise	Next session
Aug 5, 2026Q2 FY26	−$2.30	−$2.58	−12.2%	$37.0M	$36.9M	−0.3%	−13.94%
May 7, 2026Q1 FY26	−$3.70	−$0.80	+78.4%	$37.2M	$34.3M	−7.7%	−18.16%
Mar 4, 2026Q4 FY25	−$0.21	−$0.15	+27.4%	$54.5M	$56.1M	+3.0%	−9.33%
Nov 5, 2025Q3 FY25	−$0.33	−$1.36	−316.3%	$54.5M	$52.0M	−4.6%	−28.41%

View details

Financial highlights

	Q1 FY25	Q2 FY25	Q3 FY25	Q4 FY25	Q1 FY26	Q2 FY26
Revenue	$61.9M	$63.2M	$52.0M	$56.1M	$34.3M	$36.9M
Gross profit	$25.2M	$29.3M	$24.3M	$25.9M	$17.1M	$18.6M
Operating income	−$14.1M	−$12.8M	−$68.9M	−$4.1M	−$8.3M	−$5.4M
Net income	−$13.3M	−$9.3M	−$72.7M	−$8.3M	−$4.5M	−$14.9M
Diluted EPS	−$2.60	−$1.80	−$13.60	−$1.60	−$0.80	−$2.58
Gross margin	40.6%	46.3%	46.7%	46.2%	49.9%	50.5%
Operating margin	-22.7%	-20.2%	-132.3%	-7.3%	-24.1%	-14.8%

Fiscal years (4-quarter sums)FY21 $267.1M · FY22 $294.9M · FY23 $309.2M · FY24 $278.3M · FY25 $233.3M

Revenue by product · Q2 FY26

Cost Per Redemption$23.9M · 65%

Cost Per Served Sales$11.8M · 32%

Cost Other$1.2M · 3%

Revenue by geography · Q2 FY26

United States$29.6M · 100%

Balance sheet, Jun 30, 2026Cash & short-term investments $28.0M · Total debt $189.9M · Total assets $234.8M · Shareholders' equity −$16.0M

Dividends

No dividends on record.

Ownership

Institutions 29.98%1.74M sharesInsiders 3.84%222.8K sharesOther 66.18%3.84M shares

Shares outstanding 5.81M · Float 5.46M · 94.0% free float

A split settled inside the quarter being compared, so quarter-on-quarter change is not shown.

Top shareholders13F · 13D/G · Form 4

Holder	Shares	% outstanding	Form	Filed
Cas Investment Partners, LLC	471.0K	8.11%	13F	Aug 14, 2026
Vanguard Capital Management LLC	218.6K	3.76%	13F	Aug 13, 2026
683 Capital Management, LLC	200.0K	3.44%	13F	Aug 14, 2026
Amit Gupta · director, officer: Chief Executive Officer	125.4K	2.16%	Form 4	Aug 18, 2026
KPS Global Asset Management UK Ltd	121.9K	2.10%	13F	Jul 20, 2026

Insider tradesForm 4

Date	Insider	Role	Shares	Avg price
Aug 18, 2026	Amit Gupta	director, officer: Chief Executive Officer	−6,676	$4.03
Aug 17, 2026	Amit Gupta	director, officer: Chief Executive Officer	−6,785	$3.97
Jul 2, 2026	Nicholas Hollmeyer Lynton	officer: Chief Legal & Privacy Officer	−2,151	$4.40
Jul 6, 2026	Amit Gupta	director, officer: Chief Executive Officer	−9,640	$4.39
Jul 2, 2026	Amit Gupta	director, officer: Chief Executive Officer	−6,498	$4.40