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CARDLYTICS INC (CDLX) Stock Fundamental Analysis

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

2  -0.24 (-10.71%)

After market: 2.14 +0.14 (+7%)

Fundamental Rating

1

CDLX gets a fundamental rating of 1 out of 10. The analysis compared the fundamentals against 92 industry peers in the Media industry. CDLX has a bad profitability rating. Also its financial health evaluation is rather negative. CDLX is valied quite expensively at the moment, while 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.
CDLX had negative operating cash flow in 4 of the past 5 years.
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 90.22% of its industry peers.
With a Return On Equity value of -393.92%, CDLX is not doing good in the industry: 82.61% of the companies in the same industry are doing better.
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 Gross Margin of 53.54%. This is in the better half of the industry: CDLX outperforms 68.48% of its industry peers.
In the last couple of years the Gross Margin of CDLX has grown nicely.
CDLX does not have Profit Margin and Operating Margin available, so we won't be analyzing them here.
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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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.
The number of shares outstanding for CDLX has been increased compared to 5 years ago.
Compared to 1 year ago, CDLX has a worse debt to assets ratio.
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

CDLX has an Altman-Z score of -4.18. This is a bad value and indicates that CDLX is not financially healthy and even has some risk of bankruptcy.
Looking at the Altman-Z score, with a value of -4.18, CDLX is doing worse than 83.70% of the companies in the same industry.
CDLX has a Debt/Equity ratio of 3.06. This is a high value indicating a heavy dependency on external financing.
CDLX has a Debt to Equity ratio of 3.06. This is in the lower half of the industry: CDLX underperforms 77.17% of its industry peers.
Industry RankSector Rank
Debt/Equity 3.06
Debt/FCF N/A
Altman-Z -4.18
ROIC/WACCN/A
WACC5.34%
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 has a worse Current ratio (1.18) than 61.96% of its industry peers.
A Quick Ratio of 1.18 indicates that CDLX should not have too much problems paying its short term obligations.
CDLX has a Quick ratio of 1.18. This is comparable to the rest of the industry: CDLX outperforms 41.30% of its industry peers.
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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3. Growth

3.1 Past

CDLX shows a strong growth in Earnings Per Share. In the last year, the EPS has been growing by 67.53%, which is quite impressive.
The Revenue has decreased by -3.00% in the past year.
The Revenue has been growing by 15.46% on average over the past years. This is quite good.
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

CDLX is expected to show a strong growth in Earnings Per Share. In the coming years, the EPS will grow by 21.09% yearly.
CDLX is expected to show a small growth in Revenue. In the coming years, the Revenue will grow by 1.11% yearly.
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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4. Valuation

4.1 Price/Earnings Ratio

CDLX reported negative earnings for the last year, which makes the Price/Earnings Ratio negative.
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 20

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

CDLX does not give a dividend.
Industry RankSector Rank
Dividend Yield N/A

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CARDLYTICS INC

NASDAQ:CDLX (3/7/2025, 8:11:16 PM)

After market: 2.14 +0.14 (+7%)

2

-0.24 (-10.71%)

Chartmill FA Rating
GICS SectorCommunication Services
GICS IndustryGroupMedia & Entertainment
GICS IndustryMedia
Earnings (Last)01-27 2025-01-27/amc
Earnings (Next)03-12 2025-03-12/amc
Inst Owners59.08%
Inst Owner Change0.84%
Ins Owners4.1%
Ins Owner Change10.48%
Market Cap101.64M
Analysts49.09
Price Target4.49 (124.5%)
Short Float %17.32%
Short Ratio9.09
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)0%
EPS NQ rev (1m)0%
EPS NQ rev (3m)-11.25%
EPS NY rev (1m)0%
EPS NY rev (3m)2.62%
Revenue NQ rev (1m)0%
Revenue NQ rev (3m)-1.9%
Revenue NY rev (1m)0%
Revenue NY rev (3m)0.72%
Valuation
Industry RankSector Rank
PE N/A
Fwd PE N/A
P/S 0.35
P/FCF N/A
P/OCF N/A
P/B 1.46
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 66.11%
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 -4.18
F-Score4
WACC5.34%
ROIC/WACCN/A
Cap/Depr(3y)39.99%
Cap/Depr(5y)98.39%
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