DB:CYX

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Executive Summary

Cardlytics, Inc. operates an advertising platform within financial institutions digital channels, which include online, mobile, email, and various real-time notifications in the United States and the United Kingdom.


Snowflake Analysis

Flawless balance sheet with high growth potential.


Similar Companies

Share Price & News

How has Cardlytics's share price performed over time and what events caused price changes?


Latest Share Price and Events

Stable Share Price: CYX's share price has been volatile over the past 3 months.


Market Performance


7 Day Return

2.5%

CYX

1.5%

DE Media

3.5%

DE Market


1 Year Return

144.1%

CYX

-21.7%

DE Media

3.0%

DE Market

Return vs Industry: CYX exceeded the German Media industry which returned -21.7% over the past year.

Return vs Market: CYX exceeded the German Market which returned 3% over the past year.


Shareholder returns

CYXIndustryMarket
7 Day2.5%1.5%3.5%
30 Day-8.8%-10.2%-0.08%
90 Day73.6%7.1%21.0%
1 Year144.1%144.1%-21.4%-21.7%5.2%3.0%
3 Yearn/a-33.1%-39.7%4.5%-4.0%
5 Yearn/a-39.2%-50.5%11.5%-3.2%

Price Volatility Vs. Market

How volatile is Cardlytics's share price compared to the market and industry in the last 5 years?


Simply Wall St News

No news available

Valuation

Is Cardlytics undervalued compared to its fair value and its price relative to the market?

13.37x

Price to Book (PB) ratio


Share Price vs. Fair Value

Below Fair Value: Insufficient data to calculate CYX's fair value to establish if it is undervalued.

Significantly Below Fair Value: Insufficient data to calculate CYX's fair value to establish if it is undervalued.


Price To Earnings Ratio

PE vs Industry: CYX is unprofitable, so we can't compare its PE Ratio to the Media industry average.

PE vs Market: CYX is unprofitable, so we can't compare its PE Ratio to the German market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate CYX's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: CYX is overvalued based on its PB Ratio (13.4x) compared to the DE Media industry average (2.1x).


Next Steps

Future Growth

How is Cardlytics forecast to perform in the next 1 to 3 years based on estimates from 8 analysts?

71.3%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: CYX is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (0.2%).

Earnings vs Market: CYX is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: CYX's is expected to become profitable in the next 3 years.

Revenue vs Market: CYX's revenue (27.4% per year) is forecast to grow faster than the German market (5.9% per year).

High Growth Revenue: CYX's revenue (27.4% per year) is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: Insufficient data to determine if CYX's Return on Equity is forecast to be high in 3 years time


Next Steps

Past Performance

How has Cardlytics performed over the past 5 years?

19.8%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CYX is currently unprofitable.

Growing Profit Margin: CYX is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: CYX is unprofitable, but has reduced losses over the past 5 years at a rate of 19.8% per year.

Accelerating Growth: Unable to compare CYX's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: CYX is unprofitable, making it difficult to compare its past year earnings growth to the Media industry (-2.2%).


Return on Equity

High ROE: CYX has a negative Return on Equity (-17.61%), as it is currently unprofitable.


Next Steps

Financial Health

How is Cardlytics's financial position?


Financial Position Analysis

Short Term Liabilities: CYX's short term assets ($170.0M) exceed its short term liabilities ($58.4M).

Long Term Liabilities: CYX's short term assets ($170.0M) exceed its long term liabilities ($9.3M).


Debt to Equity History and Analysis

Debt Level: CYX is debt free.

Reducing Debt: CYX had no debt 5 years ago.


Balance Sheet


Cash Runway Analysis

For companies that have on average been loss making in the past we assess whether they have at least 1 year of cash runway.

Stable Cash Runway: CYX has sufficient cash runway for more than 3 years based on its current free cash flow.

Forecast Cash Runway: CYX has sufficient cash runway for more than 3 years if free cash flow continues to grow at historical rates of 31.9% each year


Next Steps

Dividend

What is Cardlytics's current dividend yield, its reliability and sustainability?


Dividend Yield vs Market

Notable Dividend: Unable to evaluate CYX's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.

High Dividend: Unable to evaluate CYX's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.


Stability and Growth of Payments

Stable Dividend: Insufficient data to determine if CYX's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if CYX's dividend payments have been increasing.


Current Payout to Shareholders

Dividend Coverage: Insufficient data to calculate payout ratio to determine if its dividend payments are covered by earnings.


Future Payout to Shareholders

Future Dividend Coverage: No need to calculate the sustainability of CYX's dividend in 3 years as they are not forecast to pay a notable one for the German market.


Next Steps

Management

How experienced are the management team and are they aligned to shareholders interests?

2.5yrs

Average management tenure


CEO

Lynne Laube (50yo)

0.17

Tenure

US$3,816,506

Compensation

Ms. Lynne Marie Laube serves as Chief Executive Officer at Cardlytics, Inc. since May 15, 2020 and also serves as it Director since June, 2008. Ms. Laube had been the Chief Operating Officer of Cardlytics, ...


CEO Compensation Analysis

Compensation vs Market: Lynne's total compensation ($USD3.82M) is above average for companies of similar size in the German market ($USD1.51M).

Compensation vs Earnings: Lynne's compensation has increased whilst the company is unprofitable.


Leadership Team

NamePositionTenureCompensationOwnership
Scott Grimes
Co-Founder & Executive Chairman0.17yrUS$5.11m1.3% $22.1m
Lynne Laube
Co-Founder0.17yrUS$3.82m1.2% $20.4m
David Evans
Chief Administrative Officer0.33yrUS$3.12m0.047% $807.3k
Andrew Christiansen
Chief Financial Officer0.33yrno data0.040% $676.8k
Sathish Gaddipati
Chief Technology Officer3.5yrsno datano data
Kirk Somers
Chief Legal & People Officer and Secretary6yrsno data0.33% $5.6m
Dani Cushion
Chief Marketing Officer5.17yrsno datano data
Craig Snodgrass
Chief Data Officer6.5yrsno datano data
Jared Luskin
Senior Vice President of Growth Verticals1.42yrsno datano data
Michael Akkerman
Chief Product & Strategy Officer0.58yrno datano data

2.5yrs

Average Tenure

50yo

Average Age

Experienced Management: CYX's management team is considered experienced (2.5 years average tenure).


Board Members

NamePositionTenureCompensationOwnership
Scott Grimes
Co-Founder & Executive Chairman0.17yrUS$5.11m1.3% $22.1m
Lynne Laube
Co-Founder0.17yrUS$3.82m1.2% $20.4m
John Balen
Lead Independent Director0.17yrUS$220.00k0.058% $993.1k
Bryce Youngren
Independent Director11.92yrsUS$192.05k0.057% $970.5k
Mark Johnson
Independent Director9.75yrsUS$212.82k0.13% $2.1m
David Adams
Independent Director8.83yrsUS$335.00k0.11% $1.9m
John Klinck
Independent Director3.75yrsUS$300.00k0.10% $1.7m
Tony Weisman
Independent Director5.75yrsUS$290.00k0.024% $401.3k
Aimée Lapic
Independent Director1.25yrsUS$204.41k0.031% $527.4k

5.8yrs

Average Tenure

57yo

Average Age

Experienced Board: CYX's board of directors are considered experienced (5.8 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: CYX insiders have only sold shares in the past 3 months.


Recent Insider Transactions

Ownership Breakdown

Dilution of Shares: Shareholders have been diluted in the past year, with total shares outstanding growing by 19.5%.


Top Shareholders

Company Information

Cardlytics, Inc.'s company bio, employee growth, exchange listings and data sources


Key Information

  • Name: Cardlytics, Inc.
  • Ticker: CYX
  • Exchange: DB
  • Founded: 2008
  • Industry: Advertising
  • Sector: Media
  • Market Cap: US$1.924b
  • Listing Market Cap: US$1.703b
  • Shares outstanding: 26.97m
  • Website: https://www.cardlytics.com

Number of Employees


Location

  • Cardlytics, Inc.
  • 675 Ponce de Leon Avenue NE
  • Suite 6000
  • Atlanta
  • Georgia
  • 30308
  • United States

Listings

TickerExchangePrimary SecuritySecurity TypeCountryCurrencyListed on
CDLXNasdaqGM (Nasdaq Global Market)YesCommon StockUSUSDFeb 2018
CYXDB (Deutsche Boerse AG)YesCommon StockDEEURFeb 2018
0LECLSE (London Stock Exchange)YesCommon StockGBUSDFeb 2018
CDLX *BMV (Bolsa Mexicana de Valores)YesCommon StockMXMXNFeb 2018

Biography

Cardlytics, Inc. operates an advertising platform within financial institutions digital channels, which include online, mobile, email, and various real-time notifications in the United States and the United Kingdom. It operates in two segments, Cardlytics Direct and Other Platform Solutions. The company’s platform is the Cardlytics Direct solution, a native bank advertising channel that enables marketers to reach consumers through their trusted and frequently visited online and mobile banking channels. It also provides solutions that enable marketers and marketing service providers to leverage the power of purchase intelligence outside the banking channel. The company was founded in 2008 and is headquartered in Atlanta, Georgia. 


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/07/07 21:30
End of Day Share Price2020/07/07 00:00
Earnings2020/03/31
Annual Earnings2019/12/31


Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.