NasdaqGM:CDLX

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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. More Details


Snowflake Analysis

Excellent balance sheet and slightly overvalued.


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: CDLX has not had significant price volatility in the past 3 months.


Market Performance


7 Day Return

0.3%

CDLX

-2.4%

US Media

-1.4%

US Market


1 Year Return

121.8%

CDLX

2.2%

US Media

17.8%

US Market

Return vs Industry: CDLX exceeded the US Media industry which returned 1.3% over the past year.

Return vs Market: CDLX exceeded the US Market which returned 18.5% over the past year.


Shareholder returns

CDLXIndustryMarket
7 Day0.3%-2.4%-1.4%
30 Day20.0%-1.5%4.7%
90 Day21.8%4.1%8.2%
1 Year121.8%121.8%3.8%2.2%20.5%17.8%
3 Yearn/a22.8%17.6%42.2%32.7%
5 Yearn/a44.0%33.7%83.4%62.7%

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

Valuation

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

27.3%

Undervalued compared to fair value


Share Price vs. Fair Value

Below Fair Value: CDLX ($82.49) is trading below our estimate of fair value ($113.39)

Significantly Below Fair Value: CDLX is trading below fair value by more than 20%.


Price To Earnings Ratio

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

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


Price to Earnings Growth Ratio

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


Price to Book Ratio

PB vs Industry: CDLX is overvalued based on its PB Ratio (16.2x) compared to the US Media industry average (1.3x).


Next Steps

Future Growth

How is Cardlytics forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?

64.4%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: CDLX is forecast to remain unprofitable over the next 3 years.

Earnings vs Market: CDLX is forecast to remain unprofitable over the next 3 years.

High Growth Earnings: CDLX is forecast to remain unprofitable over the next 3 years.

Revenue vs Market: CDLX's revenue (30.5% per year) is forecast to grow faster than the US market (10.1% per year).

High Growth Revenue: CDLX's revenue (30.5% per year) is forecast to grow faster than 20% per year.


Earnings per Share Growth Forecasts


Future Return on Equity

Future ROE: CDLX's Return on Equity is forecast to be low in 3 years time (10.4%).


Next Steps

Past Performance

How has Cardlytics performed over the past 5 years?

17.4%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CDLX is currently unprofitable.

Growing Profit Margin: CDLX is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: CDLX is unprofitable, but has reduced losses over the past 5 years at a rate of 17.4% per year.

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

Earnings vs Industry: CDLX is unprofitable, making it difficult to compare its past year earnings growth to the Media industry (-15.7%).


Return on Equity

High ROE: CDLX has a negative Return on Equity (-28.83%), as it is currently unprofitable.


Next Steps

Financial Health

How is Cardlytics's financial position?


Financial Position Analysis

Short Term Liabilities: CDLX's short term assets ($146.4M) exceed its short term liabilities ($42.5M).

Long Term Liabilities: CDLX's short term assets ($146.4M) exceed its long term liabilities ($10.1M).


Debt to Equity History and Analysis

Debt Level: CDLX is debt free.

Reducing Debt: CDLX 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: CDLX has sufficient cash runway for more than 3 years based on its current free cash flow.

Forecast Cash Runway: Insufficient data to determine if CDLX has enough cash runway if its free cash flow continues to grow or shrink based on historical rates.


Next Steps

Dividend

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


Dividend Yield vs Market

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

High Dividend: Unable to evaluate CDLX'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 CDLX's dividends per share have been stable in the past.

Growing Dividend: Insufficient data to determine if CDLX'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 CDLX's dividend in 3 years as they are not forecast to pay a notable one for the US market.


Next Steps

Management

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

1.3yrs

Average management tenure


CEO

Lynne Laube (50 yo)

0.42

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 ($USD3.82M) is about average for companies of similar size in the US market ($USD4.48M).

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


Leadership Team

NamePositionTenureCompensationOwnership
Scott Grimes
Co-Founder & Executive Chairman0.42yrUS$5.11m1.27%
$ 28.6m
Lynne Laube
Co-Founder0.42yrUS$3.82m1.2%
$ 27.1m
Andrew Christiansen
Chief Financial Officer0.58yrno data0.045%
$ 1.0m
Sathish Gaddipati
Chief Technology Officer3.75yrsno datano data
Kirk Somers
Chief Legal & Privacy Officer and Secretary6.25yrsno data0.31%
$ 6.9m
Dani Cushion
Chief Marketing Officer5.42yrsno datano data
Peter Davies
Head of Sales Strategy & Operations0.25yrno datano data
Johannes Denson
Chief of Staff0.17yrno datano data
Craig Snodgrass
Chief Data Officer6.75yrsno datano data
Jared Luskin
Senior Vice President of Growth Verticals1.67yrsno datano data
Michael Akkerman
Chief Product & Strategy Officer0.83yrno datano data
Ross McNab
President of North America Advertising1yrno datano data

1.3yrs

Average Tenure

50yo

Average Age

Experienced Management: CDLX's management team is not considered experienced ( 1.3 years average tenure), which suggests a new team.


Board Members

NamePositionTenureCompensationOwnership
Scott Grimes
Co-Founder & Executive Chairman0.42yrUS$5.11m1.27%
$ 28.6m
Lynne Laube
Co-Founder0.42yrUS$3.82m1.2%
$ 27.1m
John Balen
Lead Independent Director0.42yrUS$220.00k0.058%
$ 1.3m
Mark Johnson
Independent Director10yrsUS$212.82k0.12%
$ 2.8m
David Adams
Independent Director9.08yrsUS$335.00k0.11%
$ 2.5m
John Klinck
Independent Director4yrsUS$300.00k0.098%
$ 2.2m
Tony Weisman
Independent Director6yrsUS$290.00k0.023%
$ 524.0k
Jessica Jensen
Director0.25yrno datano data
Aimée Lapic
Independent Director1.5yrsUS$204.41k0.031%
$ 688.8k

4.0yrs

Average Tenure

57yo

Average Age

Experienced Board: CDLX's board of directors are considered experienced (4 years average tenure).


Ownership

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


Insider Trading Volume

Insider Buying: CDLX insiders have sold more shares than they have bought 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 12.1%.


Top Shareholders

Company Information

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


Key Information

  • Name: Cardlytics, Inc.
  • Ticker: CDLX
  • Exchange: NasdaqGM
  • Founded: 2008
  • Industry: Advertising
  • Sector: Media
  • Market Cap: US$2.251b
  • Shares outstanding: 27.29m
  • 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 Unite ...


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2020/10/22 00:06
End of Day Share Price2020/10/21 00:00
Earnings2020/06/30
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.