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CDLXCardlytics, Inc.
$4.26$25M
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  4. Financial Ratios

Cardlytics, Inc. (CDLX) Financial Ratios

Latest Ratios: P/E Ratio -0.2x · EV/EBITDA N/A · ROE -326.0%. (2015–2025 historical series)

Income StatementBalance SheetCash FlowRatios
AnnualQuarterly

CDLX Valuation Multiples

Price-based multiples — how expensive the stock is relative to earnings, sales, book value, and cash flow

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Market Cap$25M$61M$179M$336M$193M$2.1B$3.9B$1.5B$206M——
Enterprise Value$191M$228M$335M$510M$307M$2.1B$3.8B$1.4B$214M——
P/E Ratio →-0.22——————————
P/S Ratio0.110.260.641.090.657.9720.797.091.37——
P/B Ratio——2.562.490.913.0824.7210.423.97——
P/FCF2.816.93—————3415.73———
P/OCF2.666.57—————130.28———

P/E links to full P/E history page with 30-year chart

CDLX EV Ratios

Enterprise-value multiples — capital-structure-neutral measures of total business value

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
EV / Revenue—0.981.211.651.037.8320.236.601.42——
EV / EBITDA———————————
EV / EBIT———————————
EV / FCF—25.84—————3176.78———

CDLX Profitability

Margins and return-on-capital ratios measuring operating efficiency

Margins

Full margin charts and quarterly trend are on the Earnings History page

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Gross Margin45.0%45.0%43.4%42.2%37.7%38.7%33.9%37.8%36.3%38.4%35.8%
Operating Margin-20.2%-20.2%-70.2%-43.9%-153.3%-45.9%-28.9%-8.2%-27.2%-13.1%-49.8%
Net Profit Margin-44.4%-44.4%-68.0%-43.6%-155.8%-48.1%-29.7%-8.1%-35.2%-15.1%-67.1%

Return on Capital

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
ROE-326.0%-326.0%-184.9%-77.8%-103.1%-30.3%-36.9%-17.6%-102.1%——
ROA-30.5%-30.5%-39.2%-21.3%-47.6%-15.2%-17.1%-9.1%-41.7%-20.9%-89.5%
ROIC-18.3%-18.3%-54.8%-32.1%-70.1%-26.0%-89.0%-26.5%———
ROCE-20.9%-20.9%-60.5%-32.1%-66.4%-19.2%-22.1%-14.0%-51.0%-32.3%-180.6%

CDLX Leverage & Debt

Solvency and debt-coverage ratios — lower is generally safer

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Debt / Equity——3.171.971.110.291.200.000.90——
Debt / EBITDA———————————
Net Debt / Equity——2.231.290.54-0.05-0.67-0.730.14——
Net Debt / EBITDA———————————
Debt / FCF—18.91—————-238.95———
Interest Coverage-8.74-8.74-20.26-20.79-116.21-9.63-15.02-12.05-15.25-1.37-4.92

CDLX Liquidity & Efficiency

Short-term solvency ratios and asset-utilisation metrics

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Current Ratio1.751.751.191.311.001.104.742.502.401.771.73
Quick Ratio1.751.751.191.311.001.104.742.502.011.771.72
Cash Ratio0.620.620.440.540.490.713.611.330.760.500.58
Asset Turnover—0.820.710.540.430.210.440.940.981.291.30
Inventory Turnover————————4.74—557.02
Days Sales Outstanding—133.40140.40148.74146.81160.12169.04148.06146.65143.48141.75

CDLX Shareholder Yields

Earnings, FCF, buyback, and dividend yields — total returns to shareholders

Dividends

Full dividend history and growth charts are on the Dividend History page

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Dividend Yield———————————
Payout Ratio———————————

Total Shareholder Return Metrics

MetricTTMFY 2025FY 2024FY 2023FY 2022FY 2021FY 2020FY 2019FY 2018FY 2017FY 2016
Earnings Yield———————————
FCF Yield35.6%14.4%—————0.0%———
Buyback Yield0.0%0.0%0.0%0.0%20.7%0.0%0.0%0.0%0.0%——
Total Shareholder Yield0.0%0.0%0.0%0.0%20.7%0.0%0.0%0.0%0.0%——
Shares Outstanding—$5M$5M$4M$3M$3M$3M$2M$2M$2M$1M

Key Metrics

Growth RegimeContracting
ProfitabilityNegative
Balance SheetVulnerable
Cash FlowBurning
Top Statement Risk

Liquidity exhaustion and insolvency

Verified Source

Metrics are mathematically derived from official filings.

SEC 10-K (2026Q1)

Distressed Valuation Reflects Operational Uncertainty

As reported in recent financial filings, the company trades at a P/S multiple of 0.12, a valuation level that suggests the market is pricing in significant terminal risk rather than growth, especially when compared to the broader ad-tech peer group which commands substantially higher revenue multiples.

The depressed P/S ratio indicates that investors are heavily discounting the company's future cash flows due to persistent revenue contraction and negative margins. This valuation suggests that the market views the current business model as potentially unsustainable without a fundamental pivot or a significant improvement in operating leverage.

Capital Efficiency Remains Deeply Negative

Based on the company's reported figures, ROIC has remained consistently negative, reaching -3.8% in 2026Q1, which highlights a structural inability to generate returns on invested capital that exceed the cost of funding during this period of sustained operational decline and high fixed-cost overhead.

The persistent negative ROIC suggests that the capital deployed into the business, including the acquisition of Bridg, has failed to create value for shareholders. This trend warrants further investigation into whether the company's core platform can ever achieve the scale necessary to overcome its high cost of revenue and R&D requirements.

Working Capital Cycles Indicate Friction

According to recent financial statements, the company's Days Sales Outstanding (DSO) remains elevated at 198 days in 2026Q1, reflecting significant friction in the collection process that complicates cash management and highlights potential weaknesses in the company's leverage over its advertising clients.

The extended DSO suggests that the company may be offering generous payment terms to attract or retain advertisers, which directly impacts its liquidity position. Investors should monitor whether this trend is a result of competitive pressure or a structural issue in the billing cycle that further strains the company's cash conversion.

Liquidity Buffer Nearing Critical Thresholds

As reported in recent SEC filings, the company's current ratio has fluctuated significantly, settling at 2.17 in 2026Q1, yet this figure masks a precarious cash position that may be insufficient to support ongoing operations if the current rate of cash burn continues without a revenue turnaround.

While the current ratio appears adequate on the surface, the company's reliance on cash reserves to fund operating losses makes it vulnerable to liquidity shocks. The lack of consistent free cash flow generation suggests that the company may face future financing risks if it cannot stabilize its top-line performance.

Misapplied Focus on Gross Billings

Based on an analysis of the company's revenue recognition, the most commonly misapplied metric is 'Total Revenue,' which obscures the true economic value of the business by including FI Share payments that are essentially pass-through costs to bank partners.

Analysts should prioritize 'Adjusted Contribution' over GAAP revenue to better understand the actual dollars available to cover operating expenses. Focusing on gross revenue can lead to an overestimation of the company's scale and profitability, as it fails to account for the structural revenue-share floors that limit margin expansion.

Download Financial Ratios Data

Includes 30+ ratios · 11 years · Updated daily

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CDLX — Frequently Asked Questions

Quick answers to the most common questions about buying CDLX stock.

What is Cardlytics, Inc.'s P/E ratio?

Cardlytics, Inc.'s current P/E ratio is -0.2x. This places it at the 50th percentile of its historical range.

What is Cardlytics, Inc.'s ROE?

Cardlytics, Inc.'s return on equity (ROE) is -326.0%. The historical average is -109.8%.

Is CDLX stock overvalued?

Based on historical data, Cardlytics, Inc. is trading at a P/E of -0.2x. This is at the 50th percentile of its historical P/E range. Compare with industry peers and growth rates for a complete picture.

What are Cardlytics, Inc.'s profit margins?

Cardlytics, Inc. has 45.0% gross margin and -20.2% operating margin.