Overview
Cardlytics partners with banks to run their banking rewards programs and uses the data from consumer spending to power targeted digital advertising. It helps banks increase customer loyalty and engagement, while giving marketers detailed insights into how people spend and which ads influence purchases. The platform works by integrating with financial institutions to access secure spending data, which Cardlytics then uses to tailor ads and measure how those ads affect sales. Its two-sided model earns revenue from banks for managing rewards programs and from marketers for delivering data-driven advertising campaigns. Cardlytics aims to connect financial institutions, marketers, and consumers through precise, spend-based marketing that boosts customer engagement and sales impact.
Work here?Claim your company
About Cardlytics
Industries
Company Size
201-500
Company Stage
IPO
Headquarters
Atlanta, GA
Founded
2008
Get referred to Cardlytics
See people who can refer or advise you
Simplify's take
What believers are saying
- Q3 2026 new-business billings rose 25% sequentially, showing advertiser appetite returned.
- Seventy percent of Q2 advertisers renewed with larger budgets in Q3 2026.
- Cash burn improved: Q3 free cash flow was negative $1.6 million, far better than 2025.
What critics are saying
- Q3 2026 billings fell 32% and revenue fell 30% after a UK partner disruption.
- Cardlytics ended Q3 2026 with $29.9 million cash and $10.4 million credit availability.
- If Q4 2026 misses guidance, liquidity forces a dilutive recapitalization or sale.
What makes Cardlytics unique
- Cardlytics embeds offers inside bank apps, reaching verified spenders through first-party transaction data.
- Q3 2026 CRP partners Yahoo, VodafoneThree, Rove, and Coupert diversify beyond banks.
- Custom reward tiers and the Demand Index convert purchases into measurable consumer intelligence.
Help us improve and share your feedback! Did you find this helpful?
Funding
Total Funding
$571.3M
Above
Industry Average
Funded Over
11 Rounds
Benefits
- Invest in your future with competitive pay, company equity, 401k matching, and bonus plans.
- Full medical, dental, and vision coverage. Plus fitness classes, yoga, and wellness opportunities.
- Grow your career with Cardlytics University, onsite courses, and mentorship programs.
- Enjoy fluid work schedules and a flexible vacation practice.
- Headquartered in Atlanta at Ponce City Market, with additional offices in London, New York, Oakland, and Vizag.
- Shape our community through special interest groups, including Diversity & Inclusion, Women of Cardlytics, and Philanthropy.
Stock Price
Growth & Insights and Company News
6 month growth
0%1 year growth
-4%2 year growth
1%Cardlytics (NASDAQ:CDLX) announces quarterly earnings results. Cardlytics (NASDAQ:CDLX - Get Free Report) posted its quarterly earnings data on Thursday. The company reported ($1.03) earnings per share (EPS) for the quarter, beating analysts' consensus estimates of ($1.93) by $0.90, FiscalAI reports. The company had revenue of $32.88 million for the quarter, compared to analyst estimates of $36.35 million. Cardlytics had a negative net margin of 55.92% and a negative return on equity of 956.56%. Here are the key takeaways from Cardlytics' conference call: * Q3 results fell short of guidance: billings declined 32% year over year to $57.2 million and revenue declined 30% to $32.9 million. Management cited a U.K. bank-partner disruption and tighter advertiser budgets, particularly in grocery, as key headwinds. * Cardlytics signed several non-bank publisher partners, including Yahoo, VodafoneThree, Rove and, after quarter-end, Coupert, expanding its offers beyond financial institutions. The company said more than half of cards linked through CRP partners are outside its existing bank network, though the impact is expected to build into 2027. * New-business billings grew 25% sequentially, and advertisers that launched in Q2 increased billing 58% in Q3, with 70% renewing with new budgets. Management expects Q4 billings of $63 million to $69 million, representing 10%-20% sequential growth, and forecasts a return to sequential growth. * Profitability and liquidity remain watchpoints: adjusted EBITDA was $0.4 million versus $3.3 million a year earlier, free cash flow was negative $1.6 million, and the company ended the quarter with $29.9 million in cash plus about $10.4 million available on its credit facility. Management said it is evaluating options to improve its balance sheet and cash flow. Cardlytics trading down 11.0%. CDLX traded down $0.24 on Friday, reaching $1.95. The company had a trading volume of 46,876 shares, compared to its average volume of 96,912. The company has a market capitalization of $11.33 million, a P/E ratio of -0.30 and a beta of 0.79. The company has a fifty day moving average of $2.81 and a 200-day moving average of $5.97. Cardlytics has a one year low of $1.57 and a one year high of $15.55. Insider buying and selling. In related news, CEO Amit Gupta sold 10,351 shares of the stock in a transaction that occurred on Thursday, October 1st. The shares were sold at an average price of $2.71, for a total transaction of $28,051.21. Following the completion of the sale, the chief executive officer directly owned 146,288 shares of the company's stock, valued at $396,440.48. This represents a 6.61% decrease in their ownership of the stock. The transaction was disclosed in a document filed with the Securities & Exchange Commission, which is available at the SEC website. Insiders sold a total of 31,194 shares of company stock worth $100,568 over the last quarter. 5.90% of the stock is owned by insiders. Wall Street analysts forecast growth. Several analysts have issued reports on CDLX shares. Wall Street Zen cut Cardlytics from a "hold" rating to a "sell" rating in a research note on Saturday, September 19th. Weiss Ratings reiterated a "sell (e+)" rating on shares of Cardlytics in a research report on Friday, October 2nd. One equities research analyst has rated the stock with a Hold rating and two have assigned a Sell rating to the company's stock. According to data from MarketBeat.com, the stock has an average rating of "Sell" and a consensus target price of $10.00. About Cardlytics. Cardlytics, Inc is a financial technology and advertising company that operates a marketing platform through banks and other financial institutions. Its technology connects consumers with targeted merchant offers based on transaction data, while providing advertisers with a way to reach customers through digital banking applications and other financial channels. The company's platform supports merchant-funded rewards, cash-back promotions and purchase-based advertising. Participating consumers can receive offers from retailers, restaurants, travel providers and other businesses, while advertisers can use Cardlytics' data and measurement tools to target audiences and evaluate whether campaigns lead to purchases. Cardlytics was founded in 2008 by Scott Grimes and Lynne Laube and is headquartered in Atlanta, Georgia. Receive News & Ratings for Cardlytics Daily - Enter your email address below to receive a concise daily summary of the latest news and analysts' ratings for Cardlytics and related companies with MarketBeat.com's FREE daily email newsletter.
What Cardlytics (CDLX) said on its Q3 earnings call. Cardlytics (NASDAQ:CDLX) reported lower third-quarter billings and revenue and missed its guidance, as advertiser budgets tightened and a disruption at a U.K. bank partner prevented offers from reaching some consumers for an extended period. CEO Amit Gupta said the company expects to return to sequential growth in the fourth quarter and does not view the third-quarter slowdown as a signal for the current period. Cardlytics also announced new publisher partnerships that it expects to help diversify its reach beyond banks. Third-quarter results and liquidity. Third-quarter billings fell 32% from a year earlier to $57.2 million, while revenue declined 30% to $32.9 million. Adjusted contribution fell 24% to $19.4 million, though it rose as a percentage of revenue to 59% from 54.4%. Adjusted EBITDA was positive $0.4 million, down from $3.3 million a year earlier. Adjusted operating expenses declined 14% to $19 million, which CFO David Evans attributed largely to workforce reductions in the second half of 2025 and cloud infrastructure optimization. Free cash flow was negative $1.6 million, compared with negative $2.7 million in the prior-year quarter. Cardlytics ended the quarter with $29.9 million in cash and cash equivalents and approximately $10.4 million available under its credit facility. Evans said the company was evaluating options to improve its balance sheet and cash flow. Evans said year-over-year comparisons excluded Bridg, which Cardlytics divested in the first quarter. He also said the company expects difficult comparisons until the first quarter of 2027, when it anniversaries previously discussed changes in bank partner relationships. MQUs fell to 187 million from 230 million a year earlier, though they increased by 1.2 million from the second quarter. Advertiser pressure and fourth-quarter outlook. Gupta said macroeconomic pressure weighed on advertiser budgets, particularly in grocery, while spending in some industries contracted or shifted to other formats. U.K. billings fell 4% year over year, primarily because of the bank partner disruption, he said. During the question-and-answer session, Gupta described the U.K. issue as a one-off stemming from an infrastructure change at the bank. He said the companies had worked together to strengthen their systems. He also characterized the grocery weakness as a combination of cyclical and advertiser-specific issues that Cardlytics does not expect to recur in 2027. For the fourth quarter, Cardlytics forecast: * Billings of $63 million to $69 million. * Revenue of $35 million to $39 million. * Adjusted contribution of $20 million to $23 million. * Adjusted EBITDA ranging from negative $1 million to positive $2 million. Evans said the billings range represents sequential growth of 10% to 20%. Gupta said several large bank partners are investing in fourth-quarter promotions, including bank-funded offers, boosted rewards and sweepstakes. Publisher and advertiser expansion. Cardlytics signed three new CRP partners during the quarter: Yahoo, VodafoneThree and travel rewards program Rove. It signed loyalty platform Coupert after the quarter ended. Gupta said Cardlytics expects to roll out offers to Yahoo Mail users over the next few months. The VodafoneThree partnership will begin with the Three+ Rewards app in the U.K., with plans to expand to VeryMe later. Offers are expected to reach all Rove users later in the fourth quarter, while Coupert plans to bring offers to users in the U.S. and U.K. through its website, browser extension and app. Gupta said more than half the cards consumers link through CRP come from outside Cardlytics' existing bank network. He expects the company to see an impact from the new partnerships in 2027. On the advertiser side, Gupta said new-business billings grew 25% from the second quarter. Advertisers that launched in the second quarter increased their billings by 58% in the third quarter, and 70% renewed with new budgets, he said. Cardlytics also introduced custom reward tiers for banks and released the Cardlytics Demand Index, which Gupta said is designed to turn verified purchase data into aggregated, privacy-safe consumer spending insights. The company is also designing technology to allow AI shopping agents to display offers and connect them to verified redemptions. About Cardlytics (NASDAQ:CDLX). Cardlytics, Inc is a financial technology and advertising company that operates a marketing platform through banks and other financial institutions. Its technology connects consumers with targeted merchant offers based on transaction data, while providing advertisers with a way to reach customers through digital banking applications and other financial channels. The company's platform supports merchant-funded rewards, cash-back promotions and purchase-based advertising. Participating consumers can receive offers from retailers, restaurants, travel providers and other businesses, while advertisers can use Cardlytics' data and measurement tools to target audiences and evaluate whether campaigns lead to purchases. Cardlytics was founded in 2008 by Scott Grimes and Lynne Laube and is headquartered in Atlanta, Georgia.
Cardlytics, a purchase intelligence platform, reported third quarter revenue of $32.9 million, down 30% from $47.0 million a year earlier. Billings fell 32% to $57.2 million. Net loss narrowed to $8.9 million from $72.7 million. Adjusted EBITDA was $0.4 million, compared with $3.3 million in the same quarter of 2025. Monthly qualified users fell 19% to 186.6 million. Chief executive officer Amit Gupta said results came in below expectations, but the company is adding partners and growing its advertising base. Chief financial officer David Evans said the business is leaner, with lower costs and a higher contribution margin. Cardlytics expects sequential growth in the fourth quarter as it works toward self-sustainability.
News roundup: amex fined $350M, webull China ties, Cathay suspends JAL awards & More. October 9, 2026 You can stay in touch with Danny the Deal Guru on Facebook/Twitter/Threads/Bluesky, or you can join the discussion with 5,000+ members in its DDG Facebook Group. You can also subscribe to get all news/deals via one daily email, or choose instant notifications for time sensitive deals. As always, thank you for reading and supporting the site! News roundup. It's time for another look at some interesting stories from around the web. Webull is under scrutiny over alleged national security concerns tied to China, while American Express has been hit with a $350 million penalty over anti-money laundering failures. On the travel side, JW Marriott has opened its first all-inclusive resort, Cathay Pacific has suspended Japan Airlines award bookings, and several major hotel brands are rolling out new and refreshed properties. There's also a new Cardlytics partnership with Rove that could help members earn more toward future trips. Trading platform Webull's China ties create national security risk, congressional panel finds; stock drops 18%. Digital investment platform Webull, which counts 28 million global users, is quietly "tied in structural ways" to China's government, representing a national security threat to U.S. finance, according to a bipartisan congressional panel's findings Read more at CNBC JW Marriott debuts its first all-inclusive resort with the opening of JW Marriott Costa Elena Resort & Spa. JW Marriott announced the highly anticipated opening of JW Marriott Costa Elena Resort & Spa, marking a significant milestone as the brand's first-ever all-inclusive resort worldwide. More than a traditional all-inclusive getaway, the resort introduces JW Marriott's all-immersive approach to luxury hospitality, creating the space and freedom for guests to enjoy each moment fully, without distraction. Read press release American Express fined $350 million for insufficient anti-money laundering program. US bank regulators fined American Express $350 million after they determined the lender's programs to identify potential money laundering were insufficient and the company potentially missed billions of dollars in suspicious activity. The US Office of the Comptroller of the Currency and the Federal Reserve announced the enforcement action on Thursday, saying the company, primarily via its national bank, failed to maintain a sufficient anti-money laundering compliance program, including inadequate resources, inexperienced staff, weak training and internal control gaps. Read more at Reuters Cathay Pacific asia miles suspends Japan Airlines awards. Cathay Pacific has stopped issuing awards on Japan Airlines flights, and you cannot even change existing tickets with JAL segments. It is unclear how long this suspension lasts or what the reasons behind it are. Read more at LoyaltyLobby The Ritz-Carlton Naples, Tiburón unveils new look. The Ritz-Carlton Naples, Tiburón officially unveils its fully reimagined resort, inviting guests and the local community to experience the next chapter of this iconic retreat. Spearheaded by Parker Torres Design, the multi-million-dollar transformation debuts a refreshed lobby, residential-style accommodations, an elevated Club Lounge, Swaying Palm event space, and three new culinary concepts: Palmera, Fenrose, and Café Fenrose. The redesign refines a lush resort rooted in classic leisure and recreation, serving as the inland counterpart to its beachfront sister property. Read press release Cardlytics and Rove team up to help travelers earn their next trip faster. Cardlytics announced a new partnership with Rove, the first universal airline mile program built for Gen Z and Millennials, extending the Cardlytics Rewards Platform (CRP) and further diversifying Cardlytics' supply footprint. Read press release Hilton grand vacations opens Ka Haku, a Hilton Club in Waikiki. Hilton opened Ka Haku, a Hilton Club. Located in the heart of Waikiki, Ka Haku is the company's 14th resort in the state and the first Hilton Club-branded property in Hawaii, a distinction reserved for a boutique, highly curated ownership experience. The property offers 205 studios, one-, two- and three-bedroom suites with ocean, mountain and city views, along with an arrival and departure lounge, a state-of-the-art fitness center, pool and bar... Read press release
Cardlytics stock holds near recent lows as investors weigh weak revenue and guidance. Published on 09/19/2026 at 11:14 | Editorial responsibility: Rafael Müller, Editor-in-Chief AD HOC NEWS Cardlytics stock is trading around USD 3.75 as of September 18, 2026, leaving the company with a market capitalization of about USD 22.2 million. Recent quarterly figures show declining revenue and cautious guidance that keep sentiment subdued. Cardlytics stock (ISIN US14161W1053) is trading at USD 3.75 on Nasdaq as of September 18, 2026, valuing the company at about USD 22.2 million and leaving the share price close to its recent 52-week lows per data from a US trading portal. Discover more Small-cap valuation and recent price range. According to a stock overview on a US brokerage platform on September 18, 2026, Cardlytics shares changed hands between USD 3.75 and USD 3.90 during that trading day, with the closing price at USD 3.75 on Nasdaq and an intraday trading volume of roughly 20,910 shares, compared with an average daily volume of about 43,030 shares.Robinhood The same portal indicates that at this price level the implied market capitalization stands near USD 22.2 million, underlining how far the company has fallen from earlier years when the stock commanded a significantly higher valuation. For investors, this narrow trading range close to the low end of recent levels signals a lack of strong buying interest and highlights that Cardlytics now behaves more like a thinly traded micro-cap than the higher-profile ad-tech name it once was. A price of USD 3.75 that sits only marginally above the day's low of USD 3.75 and roughly 3.8 percent below the intraday high of USD 3.90, as noted in the same overview, shows how limited the intraday upside has been in recent sessions.Robinhood Recent revenue trends and operating performance. In its most recent quarterly update for the second quarter of 2026, Cardlytics reported that revenue declined compared with the same period a year earlier, reflecting a combination of softer advertising demand on its partner bank platforms and ongoing challenges in monetizing user engagement; the company's own investor-relations materials for that quarter show year-over-year revenue contraction in the mid-single-digit percent range as management works to stabilize the business.Cardlytics Management indicated in that filing that revenue for the quarter ended June 30, 2026, slipped relative to the prior-year quarter while adjusted losses narrowed modestly thanks to cost controls, but the company remained loss-making. The same IR communication outlined that Cardlytics continues to prioritize improving ad targeting and measurement, but also acknowledged that near-term growth will be constrained by cautious spending from advertisers and the longer ramp-up time for newer bank partnerships; guidance for the second half of 2026 therefore pointed only to modest sequential revenue improvement from the second quarter level, rather than a sharp rebound, and did not signal a return to strong double-digit growth.Cardlytics This cautious outlook helps explain why the shares, at a market capitalization of around USD 22.2 million as of September 18, 2026, trade at what many investors would see as distressed levels relative to the revenue base. Analyst stance and key risks. Discover more Track Web Traffic Grow Your Brand Boost SEO Traffic According to a recent compilation of small-cap ad-tech ratings on a financial data portal in mid-September 2026, most covering analysts now maintain neutral or underperform stances on Cardlytics, citing limited visibility on a sustainable return to revenue growth and persistent operating losses despite restructuring efforts; one such overview notes that at least one firm has trimmed its 12-month price target into the mid-single-digit dollar range, effectively in line with where the stock currently trades, after previously modeling a fair value closer to the high-single-digit area for CDLX.Macrotrends For investors, the main risks around Cardlytics remain concentrated in execution and balance-sheet resilience: continued revenue pressure combined with ongoing losses could force further cost cuts or capital raising, and the very small market capitalization and low daily trading volume as of September 18, 2026, add liquidity risk for those entering or exiting positions in size. On the positive side, any evidence that the company can stabilize revenue and improve margins in upcoming quarterly reports, or secure new bank partnerships that materially expand its user footprint, could provide a catalyst for the stock to move away from the USD 3 to USD 4 range that has prevailed recently. Stock trades at micro-cap levels. With a closing price of USD 3.75 on Nasdaq as of September 18, 2026, Cardlytics stock stands far below the levels seen in previous years and reflects investor caution about the company's ability to return to profitable growth; at that price, the implied market capitalization of about USD 22.2 million underscores just how sharply sentiment and valuation have compressed in the face of weaker revenue and cautious guidance. Cardlytics stock - key data. * Company: Cardlytics Inc. * ISIN: US14161W1053 * Ticker: CDLX * Trading venue: Nasdaq * Price (as of September 18, 2026): 3.75 USD * Market capitalization: 22.2 million USD (as of September 18, 2026) * Sector / Industry: Technology / Advertising technology * Index membership: None major Sponsored Ad Cardlytics stock: new analysis - 24 october. Fresh Cardlytics information released. What's the impact for investors? Our latest independent report examines recent figures and market trends. Disclaimer regarding our articles: This is not investment advice, nor is it a recommendation to buy or sell. Information regarding prices, companies, and markets is provided without guarantee; changes may occur at any time. Stock market transactions can result in significant losses. Our articles are created and reviewed, in whole or in part, automatically with the assistance of AI. en | US14161W1053 | CDLX | boerse | 70130188 | bgmi
Cardlytics is Hiring for 2 Jobs on Simplify!
Find jobs on Simplify and start your career today
Don't see your dream role? Check out thousands of other roles on Simplify.Browse all jobs
About Cardlytics
Industries
Company Size
201-500
Company Stage
IPO
Headquarters
Atlanta, GA
Founded
2008
Cardlytics is Hiring for 2 Jobs on Simplify!
Find jobs on Simplify and start your career today
Don't see your dream role? Check out thousands of other roles on Simplify.Browse all jobs