Cardlytics, Inc. (CDLX)

Cardlytics reported Q2 2025 earnings, missing revenue estimates despite a user increase. The company repaid convertible notes, focusing on liquidity. CDLX was listed among pre-market active stocks. Cardlytics announced a workforce reduction. The company reported Q3 2025 results, outperforming EPS estimates but missing revenue forecasts, while achieving positive adjusted EBITDA and reduced expenses. Zacks upgraded Cardlytics to a 'Buy' rating. David Evans was appointed as CFO. Zacks again upgraded Cardlytics to a 'Buy'. Cardlytics announced an inducement grant. CDLX's stock price has declined significantly over the past year and has underperformed the US Media industry and the broader US Market. Insider trading activity has been characterized by selling from executives.

Cardlytics' business experiences demand seasonality, with Q1 2025 results indicating a seasonally weak quarter.

Cardlytics, Inc. is a commerce media platform that uses first-party purchase data to enhance commerce for consumers, advertisers, and publishers. It operates in the media and advertising sector, focusing on performance marketing and loyalty programs. Cardlytics partners with financial institutions to integrate its advertising platform into their digital banking channels. The Cardlytics platform enables marketers to reach customers with personalized offers through digital channels, driving sales. The Bridg platform utilizes point-of-sale data for analytics, targeted loyalty marketing, and campaign impact measurement, also offering identity resolution capabilities.

Cardlytics operates in the United States and the United Kingdom. The company has visibility into approximately half of all card-based transactions in the U.S. and a quarter in the U.K. It serves over 4,000 financial institutions in the United States, reaching approximately 150 million U.S. consumers.

Cardlytics aims to make commerce smarter and more rewarding by providing personalized cash-back offers within a privacy-safe environment. The company focuses on democratizing advertising and fostering loyalty. While there were no specific events impacting brand reputation, the company's focus on privacy and value contributes to its professional standing. The workforce reduction in October 2025 could have had an internal and external perception impact.

Cardlytics' ownership is a mix of institutional, retail, and individual investors. Institutional investors own approximately 11.08% of the stock, with CAS Investment Partners, LLC being the largest single holder. Insiders own about 11.52% of the stock. Public companies and individual investors hold approximately 77.41% of the company's stock, with Clifford Sosin owning the most shares among individual investors.