13F Pro Quality Score

16.8/100

Rank #2,727 of 2,879 stocks

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Rankings refresh quarterly once 80% of peers have filed (~45 days after quarter-end). Next update: ~Aug 14, 2026.

Revenue Growth

9.2/100

Profitability

11.0/100

Balance Sheet

6.3/100

Earnings Quality

30.0/100

Free Cash Flow

23.7/100

Institutional Flow

48.6/100

Revenue Scale

24.1/100

Dilution Risk

14.8/100

CDLX Stock Analysis & AI Quality Score

AI stock analysis and institutional research for Cardlytics, Inc. (CDLX), a Technology sector company. 13F Pro's AI-powered ranking engine scores CDLX at 16.8/100 on a 32-signal composite quality model, placing it at rank #2,727 of 2,879 stocks — the bottom half of the AI-ranked universe. Areas of concern include balance sheet strength (6.3) and revenue growth (9.2), which score below median versus the broader universe. Shareholder dilution risk is elevated at 14.8/100, reflecting ongoing share issuance or stock-based compensation. Based on the latest XBRL financial filings (Q1 2026), Cardlytics, Inc. reports quarterly revenue of $34.3M, net income of $-4.5M, free cash flow of $-5.7M. Top institutional holders of CDLX by reported 13-F value include PenderFund Capital Management Ltd., Context Capital Management,, FMR, based on the most recent SEC filings. CDLX trades on the Nasdaq exchange and files with the SEC under CIK 1666071. 13F Pro's AI research platform runs 10 specialized AI analysts — value, growth, momentum, macro, and activist specialists — that debate CDLX daily and publish AI-generated analysis with cited SEC sources. The platform aggregates historical XBRL financial facts, 10-Q and 10-K filings, insider Form 4 transactions, and institutional 13-F holdings for Cardlytics, Inc. directly from SEC EDGAR. Cardlytics, Inc.'s 13F Pro composite quality score has ranged between 8 and 40 since 2021, currently 16.8 — a declining long-term trajectory across 56 quarterly and live scoring snapshots.

Fun facts about Cardlytics, Inc.

Quirks, history, and lore behind CDLX — the kind of stuff that makes a stock memorable.

  • 1
    The Basics
    U.S. ad-tech company · listed on Nasdaq · headquartered in Atlanta, Georgia · serving the financial services and marketing industries.
  • 2
    The Numbers
    Annual revenue in the low hundreds of millions of dollars, but the company has spent years burning cash while scaling — profitability remains the white whale.
  • 3
    The History
    Founded in 2008, it went public around 2018 and built its entire business on a novel idea: use bank transaction data to target and measure advertising.
  • 4
    The Secret
    Its secret sauce is sitting inside your credit and debit card purchase history — it works with banks to turn your spending patterns into targeted purchase-based ads.
  • 5
    The Lore
    The platform reaches consumers through their own banking apps and statements, meaning the ad appears right where you just checked your balance — hard to ignore, impossible to block.
  • 6
    The Giveaway
    Its name is a portmanteau of cards and analytics — because when your whole business model is mining bank card data for advertisers, you might as well wear it on your sleeve.
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Revenue

Q1 2026

$34.3M

Net Income

Q1 2026

$-4.5M

Free Cash Flow

Q1 2026

$-5.7M

Revenue & Net Income

Earnings Per Share

Key Financials Over Time

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Revenue

-24.6% YoY
$233.3MFY 2025
FY18 $150.7MFY19 $210.4MFY23 $309.2MFY25 $233.3M

Net Income

+23.3% YoY
$-103.5MFY 2025
FY18 $-53.0MFY19 $-17.1MFY23 $-135.0MFY25 $-103.5M

Operating Income

+25.0% YoY
$-101.8MFY 2025
FY18 $-40.9MFY19 $-17.3MFY23 $-135.7MFY25 $-101.8M

EPS (Diluted)

+47.2% YoY
$-1.95FY 2025
FY18 FY19 FY23 $-3.69FY25 $-1.95

Total Assets

-50.2% YoY
$285.6MFY 2025
FY18 $153.8MFY19 $224.3MFY23 $574.1MFY25 $285.6M

Total Debt

-17.4% YoY
$212.6MFY 2025
FY18 $46.7MFY19 $37.0KFY23 $257.5MFY25 $212.6M

Op. Cash Flow

+5121.6% YoY
$9.3MFY 2025
FY18 $-19.0MFY19 $11.5MFY23 $-185.0KFY25 $9.3M

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Available Research

13F Pro tracks comprehensive data for Cardlytics, Inc. including:

SEC EDGAR filings (10-K, 10-Q, 8-K)
XBRL financial facts (revenue, EPS, margins)
Insider transactions (Form 4)
Institutional 13F holdings
Quality rankings (32 signals)
AI analyst debates & daily meetings
Historical financial trends
Peer comparison & sector analysis

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Track score changes the day Cardlytics, Inc. files with the SEC, follow the hedge funds that own it, screen 2,800+ AI-scored stocks, and get the daily brief — free.

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Is CDLX a good stock to buy?

13F Pro's AI-powered analysis of Cardlytics, Inc. (CDLX) draws on SEC EDGAR-sourced fundamentals, institutional 13F holdings, and insider Form 4 transactions in the Technology sector (listed on Nasdaq). The 32-signal AI Quality Score, current rank, and full bull/bear verdict for CDLX are available on the CDLX stock profile dashboard — with the same data, AI insights, ratios, and institutional activity refreshed after every 10-K, 10-Q, 13F, and Form 4 filing.

Which hedge funds own CDLX?

Institutional investors are required to disclose their holdings quarterly via SEC Form 13F. 13F Pro aggregates these filings to show which hedge funds, mutual funds, and asset managers are buying or selling CDLX. Combined with insider transaction data from Form 4 filings and AI-powered analysis from 10 specialized research agents, 13F Pro provides a comprehensive view of Cardlytics, Inc.'s investment landscape.