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CARDLYTICS INC (CDLX) Stock Fundamental Analysis

NASDAQ:CDLX - Nasdaq - US14161W1053 - Common Stock - Currency: USD

3.44  -0.46 (-11.79%)

After market: 3.44 0 (0%)

Fundamental Rating

1

CDLX gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 91 industry peers in the Media industry. CDLX may be in some trouble as it scores bad on both profitability and health. CDLX is quite expensive at the moment. It does show a decent growth rate.


Dividend Valuation Growth Profitability Health

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1

1. Profitability

1.1 Basic Checks

CDLX had negative earnings in the past year.
CDLX had a negative operating cash flow in the past year.
In the past 5 years CDLX always reported negative net income.
In the past 5 years CDLX reported 4 times negative operating cash flow.
CDLX Yearly Net Income VS EBIT VS OCF VS FCFCDLX Yearly Net Income VS EBIT VS OCF VS FCFYearly Net Income VS EBIT VS OCF VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 -100M -200M -300M -400M

1.2 Ratios

The Return On Assets of CDLX (-68.74%) is worse than 93.10% of its industry peers.
CDLX has a Return On Equity of -393.92%. This is amonst the worse of the industry: CDLX underperforms 88.51% of its industry peers.
Industry RankSector Rank
ROA -68.74%
ROE -393.92%
ROIC N/A
ROA(3y)-33.65%
ROA(5y)-24.34%
ROE(3y)-112.81%
ROE(5y)-77.12%
ROIC(3y)N/A
ROIC(5y)N/A
CDLX Yearly ROA, ROE, ROICCDLX Yearly ROA, ROE, ROICYearly ROA, ROE, ROIC 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 500 1K 1.5K

1.3 Margins

CDLX has a better Gross Margin (53.54%) than 65.52% of its industry peers.
CDLX's Gross Margin has improved in the last couple of years.
The Profit Margin and Operating Margin are not available for CDLX so they could not be analyzed.
Industry RankSector Rank
OM N/A
PM (TTM) N/A
GM 53.54%
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5.57%
GM growth 5Y2.94%
CDLX Yearly Profit, Operating, Gross MarginsCDLX Yearly Profit, Operating, Gross MarginsYearly Profit, Operating, Gross Margins 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 50 -50 -100 -150

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1

2. Health

2.1 Basic Checks

CDLX does not have a ROIC to compare to the WACC, probably because it is not profitable.
The number of shares outstanding for CDLX has been increased compared to 1 year ago.
CDLX has more shares outstanding than it did 5 years ago.
The debt/assets ratio for CDLX is higher compared to a year ago.
CDLX Yearly Shares OutstandingCDLX Yearly Shares OutstandingYearly Shares Outstanding 2015 2016 2017 2018 2019 2020 2021 2022 2023 10M 20M 30M
CDLX Yearly Total Debt VS Total AssetsCDLX Yearly Total Debt VS Total AssetsYearly Total Debt VS Total Assets 2015 2016 2017 2018 2019 2020 2021 2022 2023 200M 400M 600M 800M 1B

2.2 Solvency

Based on the Altman-Z score of -4.00, we must say that CDLX is in the distress zone and has some risk of bankruptcy.
CDLX's Altman-Z score of -4.00 is on the low side compared to the rest of the industry. CDLX is outperformed by 86.21% of its industry peers.
CDLX has a Debt/Equity ratio of 3.06. This is a high value indicating a heavy dependency on external financing.
The Debt to Equity ratio of CDLX (3.06) is worse than 82.76% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.06
Debt/FCF N/A
Altman-Z -4
ROIC/WACCN/A
WACC4.65%
CDLX Yearly LT Debt VS Equity VS FCFCDLX Yearly LT Debt VS Equity VS FCFYearly LT Debt VS Equity VS FCF 2015 2016 2017 2018 2019 2020 2021 2022 2023 0 200M 400M 600M

2.3 Liquidity

A Current Ratio of 1.18 indicates that CDLX should not have too much problems paying its short term obligations.
CDLX's Current ratio of 1.18 is on the low side compared to the rest of the industry. CDLX is outperformed by 63.22% of its industry peers.
A Quick Ratio of 1.18 indicates that CDLX should not have too much problems paying its short term obligations.
The Quick ratio of CDLX (1.18) is comparable to the rest of the industry.
Industry RankSector Rank
Current Ratio 1.18
Quick Ratio 1.18
CDLX Yearly Current Assets VS Current LiabilitesCDLX Yearly Current Assets VS Current LiabilitesYearly Current Assets VS Current Liabilites 2015 2016 2017 2018 2019 2020 2021 2022 2023 100M 200M 300M

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4

3. Growth

3.1 Past

The Earnings Per Share has grown by an impressive 67.53% over the past year.
CDLX shows a decrease in Revenue. In the last year, the revenue decreased by -3.00%.
CDLX shows quite a strong growth in Revenue. Measured over the last years, the Revenue has been growing by 15.46% yearly.
EPS 1Y (TTM)67.53%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1600%
Revenue 1Y (TTM)-3%
Revenue growth 3Y18.27%
Revenue growth 5Y15.46%
Sales Q2Q%-15.12%

3.2 Future

The Earnings Per Share is expected to grow by 21.09% on average over the next years. This is a very strong growth
Based on estimates for the next years, CDLX will show a small growth in Revenue. The Revenue will grow by 1.11% on average per year.
EPS Next Y-76.25%
EPS Next 2Y-12.69%
EPS Next 3Y16.47%
EPS Next 5Y21.09%
Revenue Next Year-12.96%
Revenue Next 2Y-5.09%
Revenue Next 3Y-1.52%
Revenue Next 5Y1.11%

3.3 Evolution

The Revenue growth rate is decreasing: in the next years the growth will be less than in the last years.
CDLX Yearly Revenue VS EstimatesCDLX Yearly Revenue VS EstimatesYearly Revenue VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 100M 200M 300M
CDLX Yearly EPS VS EstimatesCDLX Yearly EPS VS EstimatesYearly EPS VS Estimates 2015 2016 2017 2018 2019 2020 2021 2022 2023 2024 2025 2026 2027 0 -0.5 -1 -1.5 -2 -2.5

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0

4. Valuation

4.1 Price/Earnings Ratio

The Price/Earnings Ratio is negative for CDLX. In the last year negative earnings were reported.
Also next year CDLX is expected to report negative earnings again, which makes the also the Forward Price/Earnings Ratio negative.
Industry RankSector Rank
PE N/A
Fwd PE N/A
CDLX Price Earnings VS Forward Price EarningsCDLX Price Earnings VS Forward Price Earnings ChartPrice Earnings - Forward Price Earnings PE FPE 0 10 -10 20 30

4.2 Price Multiples

Industry RankSector Rank
P/FCF N/A
EV/EBITDA N/A
CDLX Per share dataCDLX EPS, Sales, OCF, FCF, BookValue per sharePer Share Data Per Share 0 2 -2 4

4.3 Compensation for Growth

CDLX's earnings are expected to grow with 16.47% in the coming years. This may justify a more expensive valuation.
PEG (NY)N/A
PEG (5Y)N/A
EPS Next 2Y-12.69%
EPS Next 3Y16.47%

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0

5. Dividend

5.1 Amount

No dividends for CDLX!.
Industry RankSector Rank
Dividend Yield N/A

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CARDLYTICS INC

NASDAQ:CDLX (1/28/2025, 8:00:02 PM)

After market: 3.44 0 (0%)

3.44

-0.46 (-11.79%)

Chartmill FA Rating
GICS SectorCommunication Services
GICS IndustryGroupMedia & Entertainment
GICS IndustryMedia
Earnings (Last)01-27 2025-01-27/amc
Earnings (Next)N/A N/A
Inst Owners69.44%
Inst Owner Change-0.17%
Ins Owners3.98%
Ins Owner Change10.59%
Market Cap174.82M
Analysts49.09
Price Target4.49 (30.52%)
Short Float %15.36%
Short Ratio8.31
Dividend
Industry RankSector Rank
Dividend Yield N/A
Yearly DividendN/A
Dividend Growth(5Y)N/A
DPN/A
Div Incr Years0
Div Non Decr Years0
Ex-DateN/A
Surprises & Revisions
EPS beat(2)1
Avg EPS beat(2)11.26%
Min EPS beat(2)-16.71%
Max EPS beat(2)39.23%
EPS beat(4)3
Avg EPS beat(4)14.17%
Min EPS beat(4)-16.71%
Max EPS beat(4)39.23%
EPS beat(8)7
Avg EPS beat(8)47.92%
EPS beat(12)10
Avg EPS beat(12)38.21%
EPS beat(16)13
Avg EPS beat(16)25.79%
Revenue beat(2)1
Avg Revenue beat(2)2.17%
Min Revenue beat(2)-9.42%
Max Revenue beat(2)13.76%
Revenue beat(4)1
Avg Revenue beat(4)-1.4%
Min Revenue beat(4)-9.42%
Max Revenue beat(4)13.76%
Revenue beat(8)2
Avg Revenue beat(8)-0.77%
Revenue beat(12)4
Avg Revenue beat(12)0.47%
Revenue beat(16)7
Avg Revenue beat(16)0.62%
PT rev (1m)0%
PT rev (3m)2.33%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-187.27%
EPS NY rev (1m)0%
EPS NY rev (3m)7.72%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-34.06%
Revenue NY rev (1m)0%
Revenue NY rev (3m)1.69%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.6
P/FCF N/A
P/OCF N/A
P/B 2.51
P/tB N/A
EV/EBITDA N/A
EPS(TTM)-0.25
EYN/A
EPS(NY)-0.43
Fwd EYN/A
FCF(TTM)-0.54
FCFYN/A
OCF(TTM)-0.17
OCFYN/A
SpS5.77
BVpS1.37
TBVpS-2.64
PEG (NY)N/A
PEG (5Y)N/A
Profitability
Industry RankSector Rank
ROA -68.74%
ROE -393.92%
ROCE N/A
ROIC N/A
ROICexc N/A
ROICexgc N/A
OM N/A
PM (TTM) N/A
GM 53.54%
FCFM N/A
ROA(3y)-33.65%
ROA(5y)-24.34%
ROE(3y)-112.81%
ROE(5y)-77.12%
ROIC(3y)N/A
ROIC(5y)N/A
ROICexc(3y)N/A
ROICexc(5y)N/A
ROICexgc(3y)N/A
ROICexgc(5y)N/A
ROCE(3y)N/A
ROCE(5y)N/A
ROICexcg growth 3YN/A
ROICexcg growth 5YN/A
ROICexc growth 3YN/A
ROICexc growth 5YN/A
OM growth 3YN/A
OM growth 5YN/A
PM growth 3YN/A
PM growth 5YN/A
GM growth 3Y5.57%
GM growth 5Y2.94%
F-Score4
Asset Turnover0.73
Health
Industry RankSector Rank
Debt/Equity 3.06
Debt/FCF N/A
Debt/EBITDA N/A
Cap/Depr 70.18%
Cap/Sales 6.32%
Interest Coverage N/A
Cash Conversion N/A
Profit Quality N/A
Current Ratio 1.18
Quick Ratio 1.18
Altman-Z -4
F-Score4
WACC4.65%
ROIC/WACCN/A
Cap/Depr(3y)41.61%
Cap/Depr(5y)99.36%
Cap/Sales(3y)4.41%
Cap/Sales(5y)4.78%
Profit Quality(3y)N/A
Profit Quality(5y)N/A
High Growth Momentum
Growth
EPS 1Y (TTM)67.53%
EPS 3YN/A
EPS 5YN/A
EPS Q2Q%-1600%
EPS Next Y-76.25%
EPS Next 2Y-12.69%
EPS Next 3Y16.47%
EPS Next 5Y21.09%
Revenue 1Y (TTM)-3%
Revenue growth 3Y18.27%
Revenue growth 5Y15.46%
Sales Q2Q%-15.12%
Revenue Next Year-12.96%
Revenue Next 2Y-5.09%
Revenue Next 3Y-1.52%
Revenue Next 5Y1.11%
EBIT growth 1Y-77.83%
EBIT growth 3YN/A
EBIT growth 5YN/A
EBIT Next Year65.96%
EBIT Next 3Y40.7%
EBIT Next 5Y36.02%
FCF growth 1Y50.22%
FCF growth 3YN/A
FCF growth 5YN/A
OCF growth 1Y78.55%
OCF growth 3YN/A
OCF growth 5YN/A