Cardlytics
Market Cap
US$3.5b
Last Updated
2021/04/10 22:21 UTC
Data Sources
Company Financials +
Executive Summary
Cardlytics, Inc. operates an advertising platform within financial institutions digital channels that include online, mobile, email, and various real-time notifications in the United States and the United Kingdom. More Details
Rewards
Risk Analysis
Currently unprofitable and not forecast to become profitable over the next 3 years
Snowflake Analysis
Adequate balance sheet with limited growth.
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 is not significantly more volatile than the rest of US stocks over the past 3 months, typically moving +/- 9% a week.
Volatility Over Time: CDLX's weekly volatility (9%) has been stable over the past year.
Market Performance
7 Day Return
-7.0%
CDLX
-0.8%
US Media
2.1%
US Market
1 Year Return
153.9%
CDLX
48.0%
US Media
56.3%
US Market
Return vs Industry: CDLX exceeded the US Media industry which returned 48% over the past year.
Return vs Market: CDLX exceeded the US Market which returned 56.3% over the past year.
Shareholder returns
| CDLX | Industry | Market | |
|---|---|---|---|
| 7 Day | -7.0% | -0.8% | 2.1% |
| 30 Day | -16.2% | -10.9% | 2.4% |
| 90 Day | -24.7% | 5.1% | 6.8% |
| 1 Year | 153.9%153.9% | 49.8%48.0% | 59.1%56.3% |
| 3 Year | 679.9%679.9% | 59.3%52.6% | 65.7%55.1% |
| 5 Year | n/a | 77.8%64.6% | 122.3%97.7% |
Long-Term 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
1 month ago | Simply Wall St
Have Insiders Been Selling Cardlytics, Inc. (NASDAQ:CDLX) Shares?2 months ago | Simply Wall St
Update: Cardlytics (NASDAQ:CDLX) Stock Gained 46% In The Last Year3 months ago | Simply Wall St
Cardlytics (NASDAQ:CDLX) Has Debt But No Earnings; Should You Worry?Valuation
Is Cardlytics undervalued compared to its fair value and its price relative to the market?
19.66x
Price to Book (PB) ratio
Share Price vs. Fair Value
Below Fair Value: CDLX ($110.9) is trading above our estimate of fair value ($77.49)
Significantly Below Fair Value: CDLX is trading above our estimate of fair value.
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 (19.7x) compared to the US Media industry average (2.2x).
Future Growth
How is Cardlytics forecast to perform in the next 1 to 3 years based on estimates from 7 analysts?
50.6%
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 (25.9% per year) is forecast to grow faster than the US market (9.9% per year).
High Growth Revenue: CDLX's revenue (25.9% 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 (2.9%).
Past Performance
How has Cardlytics performed over the past 5 years?
9.5%
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 9.5% 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 (-13.9%).
Return on Equity
High ROE: CDLX has a negative Return on Equity (-35.26%), as it is currently unprofitable.
Financial Health
How is Cardlytics's financial position?
Financial Position Analysis
Short Term Liabilities: CDLX's short term assets ($385.6M) exceed its short term liabilities ($81.3M).
Long Term Liabilities: CDLX's short term assets ($385.6M) exceed its long term liabilities ($184.1M).
Debt to Equity History and Analysis
Debt Level: CDLX's debt to equity ratio (110.7%) is considered high.
Reducing Debt: CDLX's debt to equity ratio has reduced from 6981.2% to 110.7% over the past 5 years.
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.
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?
1.2yrs
Average management tenure
CEO
Lynne Laube (50 yo)
0.92
Tenure
US$3,816,506
Compensation
Ms. Lynne Marie Laube serves as Director at NerdWallet, Inc. She serves as Chief Executive Officer at Cardlytics, Inc. since May 15, 2020 and also serves as it Director since June, 2008. Ms. Laube had been...
CEO Compensation Analysis
Compensation vs Market: Lynne's total compensation ($USD3.82M) is about average for companies of similar size in the US market ($USD5.06M).
Compensation vs Earnings: Lynne's compensation has increased whilst the company is unprofitable.
Leadership Team
Experienced Management: CDLX's management team is not considered experienced ( 1.2 years average tenure), which suggests a new team.
Board Members
Experienced Board: CDLX's board of directors are considered experienced (6.5 years average tenure).
Ownership
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold 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%.
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$3.523b
- Shares outstanding: 31.77m
- 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
Biography
Cardlytics, Inc. operates an advertising platform within financial institutions digital channels that include online, mobile, email, and various real-time notifications in the United States and the United ...
Company Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2021/04/10 22:21 |
| End of Day Share Price | 2021/04/09 00:00 |
| Earnings | 2020/12/31 |
| Annual Earnings | 2020/12/31 |
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.