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Cardlytics CDLX · USD

Communication Services · US listing · 🇺🇸 United States

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1.82

-6.67%

Close of 9 Nov 2026, in USD

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About Cardlytics

From its filings with the US Securities and Exchange Commission

SEC filings

Cardlytics is based in Atlanta, Georgia and is incorporated in Delaware. Its shares trade on Nasdaq under the ticker CDLX. The SEC classifies its business as computer programming, data processing, etc.. In the fiscal year to 31 December 2025, it reported revenue of $233.3m and a net loss of $103.5m. At that date it held total assets of $285.6m and shareholders' equity of −$6.5m. By business, Cardlytics Direct brought in 91.0% of revenue, followed by Bridg Acquisition at 9.0%. By region, United States accounted for 87.0%, followed by United Kingdom at 13.0%.

In its own words

We operate a commerce media platform that is designed to make commerce smarter and rewarding for everyone. At the core of our commerce media platform is the financial media network that we run within our partners' digital channels, which includes online and mobile applications (the "Cardlytics platform"). Additionally, we operate an identity resolution platform that utilizes point-of-sale ("POS") data, including product-level purchase data, to enable marketers to perform analytics and targeted loyalty marketing and also measure the impact of their marketing (the "Bridg platform"). The partners for the Cardlytics platform are predominantly financial institutions ("FI partners") that provide us with access to their anonymized purchase data and digital banking customers. The partners for the Bridg platform are predominantly merchants ("merchant data partners") that provide us with access to their POS data, including product-level purchase data. By applying advanced analytics to the purchase data we receive, we make it actionable, helping marketers reach potential buyers at scale and measure the true sales impact of their marketing spend. We have strong relationships with leading marketers across a variety of industries, including everyday spend, specialty retail, restaurant, travel and entertainment.

Quoted from its 10-K, filed 4 Mar 2026. Read the filing on SEC.gov ↗

Company facts

Sector
Communication Services
Industry
Media
Listed since
9 Feb 2018
Employees
275
Head office
675 PONCE DE LEON AVENUE, NE, ATLANTA, GA, 30308
Incorporated in
DE
Classification
Services-Computer Programming, Data Processing, Etc.
Filer status
Accelerated filer<br>Smaller reporting company

Leadership

Pay as last reported

  • Mr. John KlinckIndependent Chairman of the Board$145,220
  • Mr. Amit GuptaChief Executive Officer, Director, since 2023$4.6m
  • Ms. Alexis DesienoChief Financial Officer$2.2m
  • Mr. Nick LyntonChief Legal and Privacy Officer$1.7m
  • Ms. Srishti GuptaDirector$25,453
  • Mr. Andre FernandezIndependent Director$173,665
  • Mr. Jon FrancisIndependent Director$158,665
  • Mr. Scott HillIndependent Director$141,470
  • Ms. Liane HornseyIndependent Director$129,716
  • Mr. Alex MishurovIndependent Director

Environmental, social and governance

Scores out of 100, from our data supplier

ESG
Overall
21
Environment
3
Social
28
Governance
32
Women in the workforce
42%
Carbon reduction policy
No
Human rights policy
Yes

SWOT analysis

AI-generated by our data supplier. Not written or checked by our editors.

AI-generated

Strengths

  • Cardlytics Inc has several strengths that contribute to its success in the market. Firstly, the company has developed a unique technology platform that enables it to analyze consumer purchase data from financial institutions. This gives Cardlytics a competitive advantage in understanding consumer behaviors and preferences.
  • Another strength of Cardlytics is its extensive network of partnerships with major banks and financial institutions. This allows the company to access large amounts of valuable data, further enhancing its ability to provide targeted advertising and insights to its clients.
  • Additionally, Cardlytics benefits from its strong reputation and established presence in the industry. Its proven track record of delivering results to advertisers and financial institutions builds trust and loyalty among its customers.

Weaknesses

  • Despite its strengths, Cardlytics Inc also faces some weaknesses that need to be addressed. One weakness is its dependence on its partnership network for data. Any disruptions or termination of these partnerships could significantly impact the company's ability to access and analyze consumer purchase data.
  • Another weakness is the potential privacy concerns associated with analyzing and utilizing consumer financial data. Cardlytics must ensure it has strong data security measures and maintains compliance with privacy regulations to address these concerns and maintain consumer trust.

Opportunities

  • Cardlytics Inc has several opportunities for growth and expansion. One opportunity is the increasing demand for personalized advertising and targeted marketing campaigns. As consumers expect more tailored experiences, Cardlytics can capitalize on this trend by utilizing its data analytics capabilities to deliver relevant advertisements to consumers.
  • Another opportunity lies in expanding its partnerships to reach more financial institutions and markets globally. By forming strategic alliances, Cardlytics can expand its data pool and increase its market reach, opening up new revenue streams.

Threats

  • There are also threats that Cardlytics Inc needs to consider in its business operations. One threat is the increasing competition in the data analytics and digital advertising industry. As more companies enter the market and offer similar services, Cardlytics must differentiate itself and continuously innovate to maintain its competitive edge.
  • Additionally, regulatory changes or new privacy laws could pose a threat to Cardlytics' data collection and utilization practices. Adapting to evolving regulations and ensuring compliance will be critical to mitigating this threat and avoiding potential legal and reputational consequences.

Sources and methodology

Data on this tab
Our data supplier
Chart on the Overview
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