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Upturn AI SWOT - About
CDLX 
Cardlytics Inc (CDLX)
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Upturn Advisory Summary
09/12/2025: CDLX (1-star) is currently NOT-A-BUY. Pass it for now.
Upturn Star Rating
Not Recommended Performance
These Stocks/ETFs, based on Upturn Advisory, consistently fall short of market performance, signaling caution before investing.
Number of Analysts
6 Analysts rated it
Limited analyst coverage, niche firm, research info may be scarce.
1 Year Target Price $1.62
1 Year Target Price $1.62
| 0 | Strong Buy |
| 0 | Buy |
| 5 | Hold |
| 1 | Sell |
| 0 | Strong Sell |
Analysis of Past Performance
Type Stock | Historic Profit -46.86% | Avg. Invested days 30 | Today’s Advisory PASS |
Upturn Star Rating | Upturn Advisory Performance  3.0 | Stock Returns Performance  1.0 |
| Profits based on simulation | Last Close 09/12/2025 |
Key Highlights
Company Size Small-Cap Stock | Market Capitalization 59.63M USD | Price to earnings Ratio - | 1Y Target Price 1.62 |
Price to earnings Ratio - | 1Y Target Price 1.62 | ||
Volume (30-day avg) 6 | Beta 1.2 | 52 Weeks Range 0.85 - 5.25 | Updated Date 09/14/2025 |
52 Weeks Range 0.85 - 5.25 | Updated Date 09/14/2025 | ||
Dividends yield (FY) - | Basic EPS (TTM) -3.72 |
Analyzing Revenue: Products, Geography and Growth
Revenue by Products
Product revenue - Year on Year
Revenue by Geography
Geography revenue - Year on Year
Earnings Date
Report Date - | When - | Estimate - | Actual - |
Profitability
Profit Margin -68.87% | Operating Margin (TTM) -19.84% |
Management Effectiveness
Return on Assets (TTM) -7.95% | Return on Equity (TTM) -136.44% |
Valuation
Trailing PE - | Forward PE - | Enterprise Value 233292329 | Price to Sales(TTM) 0.22 |
Enterprise Value 233292329 | Price to Sales(TTM) 0.22 | ||
Enterprise Value to Revenue 0.88 | Enterprise Value to EBITDA -7.69 | Shares Outstanding 53236900 | Shares Floating 46537569 |
Shares Outstanding 53236900 | Shares Floating 46537569 | ||
Percent Insiders 2.95 | Percent Institutions 45.79 |
Upturn AI SWOT
Cardlytics Inc
Company Overview
History and Background
Cardlytics Inc. was founded in 2008. Initially focused on providing purchase intelligence to financial institutions, it evolved into a digital advertising platform connecting marketers with consumers through their banking channels. The company went public in 2018.
Core Business Areas
- Cardlytics Ads Platform: The Cardlytics Ads Platform allows marketers to deliver targeted offers to consumers through their bank's online and mobile channels. This platform leverages purchase data to personalize offers and measure performance.
Leadership and Structure
The leadership team includes Karim Temsamani (CEO). The organizational structure is typical of a technology company, with departments focusing on engineering, product, sales, and marketing.
Top Products and Market Share
Key Offerings
- Cardlytics Ads Platform: The core product is the Cardlytics Ads Platform, which allows marketers to reach consumers through their bank's digital channels with personalized offers. While exact market share data is variable and difficult to pinpoint, Cardlytics holds a significant position in the card-linked advertising space. Competitors include traditional digital advertising platforms (Google, Meta) and other card-linked offer providers. Revenue is generated based on the amount that the consumer saves on a particular product that is marketed through Cardlytics.
Market Dynamics
Industry Overview
The digital advertising industry is experiencing continued growth, with a shift towards personalized and data-driven advertising. Card-linked marketing is a growing segment within this industry.
Positioning
Cardlytics is positioned as a purchase intelligence platform that provides a differentiated approach to digital advertising by leveraging banking data. Its competitive advantage lies in its direct access to consumer purchase data through its partnerships with financial institutions.
Total Addressable Market (TAM)
The TAM for digital advertising is substantial, estimated to be hundreds of billions of dollars globally. Cardlytics' positioning allows it to capture a share of this market through its specialized offering.
Upturn SWOT Analysis
Strengths
- Unique access to purchase data through bank partnerships
- High-intent consumer targeting
- Measurable ROI for advertisers
- Large network of participating banks
Weaknesses
- Dependence on bank partnerships
- Concentration of revenue among key advertisers
- Data privacy concerns
- Relatively small compared to industry giants
Opportunities
- Expansion into new geographic markets
- Increased adoption of card-linked advertising
- Development of new advertising formats
- Partnerships with additional financial institutions
Threats
- Increased competition from other digital advertising platforms
- Changes in data privacy regulations
- Economic downturn affecting advertising spending
- Potential loss of bank partnerships
Competitors and Market Share
Key Competitors
- GOOG
- META
- ALLY
Competitive Landscape
Cardlytics' advantages lie in its purchase data and direct access to banking channels. Its disadvantages are its smaller scale and dependence on bank partnerships compared to large digital advertising platforms.
Growth Trajectory and Initiatives
Historical Growth: Historical growth has been characterized by periods of rapid revenue growth followed by periods of slower growth or decline.
Future Projections: Analyst estimates suggest continued revenue growth, but profitability remains uncertain. Future growth depends on expanding the network of banks and advertisers.
Recent Initiatives: Recent initiatives include expanding into new markets, developing new advertising formats, and enhancing the data analytics capabilities of the platform.
Summary
Cardlytics is a unique player in the digital advertising space, leveraging purchase data to provide targeted offers through banking channels. While it has shown revenue growth potential, challenges remain in achieving consistent profitability and managing dependence on bank partnerships. The company's future depends on expanding its network and capitalizing on the growth of card-linked marketing.
Peer Comparison
Sources and Disclaimers
Data Sources:
- Company SEC Filings (10-K, 10-Q)
- Analyst Reports
- Industry Publications
Disclaimers:
This analysis is based on publicly available information and is not financial advice. Market share data is approximate and may vary based on the source.
AI Summarization is directionally correct and might not be accurate.
Summarized information shown could be a few years old and not current.
Fundamental Rating based on AI could be based on old data.
AI-generated summaries may have inaccuracies (hallucinations). Please verify the information before taking action.
About Cardlytics Inc
Exchange NASDAQ | Headquaters Atlanta, GA, United States | ||
IPO Launch date 2018-02-09 | CEO & Director Mr. Amit Gupta | ||
Sector Communication Services | Industry Advertising Agencies | Full time employees 381 | Website https://www.cardlytics.com |
Full time employees 381 | Website https://www.cardlytics.com | ||
Cardlytics, Inc. operates an advertising platform in the United States and the United Kingdom. The company offers Cardlytics platform, a proprietary native bank advertising channel that enables marketers to reach customers 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 from merchant data partners, including product-level purchase data to enable marketers to perform analytics and targeted loyalty marketing, as well as measure the impact of their marketing. Cardlytics, Inc. was incorporated in 2008 and is headquartered in Atlanta, Georgia.
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