Core Viewpoint - Cardlytics (CDLX) has been upgraded to a Zacks Rank 2 (Buy), indicating a positive shift in earnings estimates which is a significant factor influencing stock prices [1][3]. Earnings Estimates and Stock Price Impact - The Zacks rating system reflects changes in a company's earnings potential, which is strongly correlated with near-term stock price movements [4][6]. - Institutional investors often rely on earnings estimates to determine the fair value of stocks, leading to buying or selling actions that affect stock prices [4]. Cardlytics Earnings Outlook - The recent upgrade for Cardlytics suggests an improvement in its underlying business, which is expected to drive the stock price higher as investors recognize this trend [5][10]. - For the fiscal year ending December 2025, Cardlytics is projected to earn -$0.07 per share, unchanged from the previous year, but the Zacks Consensus Estimate has increased by 63.2% over the past three months [8]. Zacks Rank System - The Zacks Rank system categorizes stocks based on earnings estimate revisions, with a strong historical performance, particularly for Zacks Rank 1 stocks which have averaged a +25% annual return since 1988 [7][9]. - Cardlytics' upgrade to Zacks Rank 2 places it in the top 20% of Zacks-covered stocks, indicating a strong potential for market-beating returns in the near term [10].

To ensure this doesn’t happen in the future, please enable Javascript and cookies in your browser.If you have an ad-blocker enabled you may be blocked from proceeding. Please disable your ad-blocker and refresh. ...

Cardlytics (NasdaqGM:CDLX) Q3 2025 Earnings Call November 05, 2025 05:00 PM ET Speaker1Good afternoon, ladies and gentlemen, and welcome to the Q3 2025 Cardlytics earnings conference call. At this time, all lines are in listen-only mode. Following the presentation, we will conduct a question-and-answer session. If at any time during this call you require immediate assistance, please press star zero for the operator. This call is being recorded on November 5th, 2025, and I would like to turn the conference o ...

Table of Contents UNITED STATES SECURITIES AND EXCHANGE COMMISSION WASHINGTON, DC 20549 FORM 10-Q ☒ QUARTERLY REPORT PURSUANT TO SECTION 13 OR 15(d) OF THE SECURITIES EXCHANGE ACT OF 1934 For the quarterly period ended September 30, 2025 OR (888) 798-5802 (Registrant's telephone number, including area code) Securities registered pursuant to Section 12(b) of the Securities Exchange Act of 1934: | Title of each class | Trading Symbol(s) | Name of each exchange on which registered | | --- | --- | --- | | Commo ...

Exhibit 99.1 Cardlytics Announces Third Quarter 2025 Financial Results Atlanta, GA – November 5, 2025 – Cardlytics, Inc. (NASDAQ: CDLX), a commerce media platform, today announced financial results for the third quarter ended September 30, 2025. "In Q3, we've taken decisive action that we believe will reset our business, improve our financial health, and set ourselves on a viable path to return to growth," said Amit Gupta, CEO of Cardlytics. "We are moving forward with sharper focus and discipline, prioriti ...

Group 1 - Cardlytics, Inc. (NASDAQ: CDLX) is positioned to track nearly $6 trillion in bank transaction data, aiming to monetize these transactions through targeted advertising [1] - The company's approach creates a win-win-win solution for banks, their customers, and advertisers [1] Group 2 - The individual investor focuses on undercovered companies, with a watchlist of up to 100 companies, primarily in technology, software, electronics, and energy transition sectors [1] - The investor has over 7 years of personal capital investment experience and seeks to identify asymmetric investment opportunities for market-beating returns [1]

Core Insights - Cardlytics Inc. has announced a cost savings initiative to optimize its cost structure and align resources with critical business priorities [1] Company Actions - The company has reduced its workforce by approximately 120 full-time employees and contractors, which represents about 30% of its total workforce [1] - Cardlytics expects to incur $2.3 million in severance and related expenses due to this workforce reduction [1]

Core Viewpoint - Premarket trading is showing notable activity with significant price movements indicating potential investment opportunities before the market opens [1] Premarket Gainers - AGM Group Holdings Inc. (AGMH) increased by 185% to $6.36 [3] - AlphaVest Acquisition Corp (ATMV) rose by 77% to $26.80 [3] - Brera Holdings PLC (BREA) saw a 20% increase to $30.00 [3] - Asset Entities Inc. (ASST) gained 18% to $4.54 [3] - 22nd Century Group, Inc. (XXII) also increased by 18% to $2.08 [3] - Millennium Group International Holdings Limited (MGIH) rose by 16% to $2.84 [3] - Robo.ai Inc. (AIIO) increased by 11% to $2.17 [3] - Butterfly Network, Inc. (BFLY) saw a 10% rise to $2.10 [3] - GrafTech International Ltd. (EAF) increased by 9% to $13.91 [3] - Cardlytics, Inc. (CDLX) rose by 8% to $2.99 [3] Premarket Losers - ECD Automotive Design, Inc. (ECDA) decreased by 14% to $3.70 [4] - Champions Oncology, Inc. (CSBR) fell by 8% to $6.11 [4] - Beam Global (BEEM) saw an 8% decline to $2.79 [4] - Fathom Holdings Inc. (FTHM) decreased by 8% to $2.19 [4] - Ventyx Biosciences, Inc. (VTYX) fell by 7% to $2.20 [4] - SciSparc Ltd. (SPRC) decreased by 6% to $4.35 [4] - Lightwave Logic, Inc. (LWLG) fell by 6% to $3.45 [4] - Jasper Therapeutics, Inc. (JSPR) decreased by 6% to $2.43 [4] - StableX Technologies, Inc. (SBLX) fell by 5% to $5.67 [4] - Galecto, Inc. (GLTO) decreased by 5% to $2.70 [4]

Core Insights - Cardlytics reported a quarterly loss of $0.13 per share, better than the Zacks Consensus Estimate of a loss of $0.16, and an improvement from a loss of $0.15 per share a year ago, resulting in an earnings surprise of +18.75% [1] - The company generated revenues of $63.25 million for the quarter ended June 2025, missing the Zacks Consensus Estimate by 0.86% and down from $69.64 million year-over-year [2] - Cardlytics shares have declined approximately 50.4% year-to-date, contrasting with the S&P 500's gain of 7.1% [3] Earnings Outlook - The current consensus EPS estimate for the upcoming quarter is -$0.09 on revenues of $70.3 million, and for the current fiscal year, it is -$0.46 on revenues of $275.2 million [7] - The estimate revisions trend for Cardlytics was mixed prior to the earnings release, resulting in a Zacks Rank 3 (Hold), indicating expected performance in line with the market [6] Industry Context - The Technology Services industry, to which Cardlytics belongs, is currently ranked in the top 41% of over 250 Zacks industries, suggesting that companies in the top half tend to outperform those in the bottom half by more than 2 to 1 [8]

Financial Data and Key Metrics Changes - In Q2 2025, total billings were $104 million, a 5.7% decrease year over year [25] - Revenue decreased by 9.2% to $63.2 million, driven by a decrease in billings [26] - Adjusted EBITDA was positive $2.7 million, an increase of $5 million year over year [29] - Operating cash flow was positive $1.2 million, while free cash flow was negative $3.4 million, which was $3 million less than the prior year [29] Business Line Data and Key Metrics Changes - U.S. revenue, excluding Bridge, decreased by 13% due to lower billings and pricing pressure [27] - U.K. revenue grew by 29%, driven by higher billings and increased supply [27] - Bridge revenue decreased by 8% due to the loss of a major account in previous quarters [27] Market Data and Key Metrics Changes - The U.K. business showed strong growth with the highest billings quarter in history, driven by categories like everyday spend and subscription services [13] - Advertiser churn was mostly concentrated in mid to small-sized brands, which have been more susceptible to budget reductions [14] Company Strategy and Development Direction - The company is focused on increasing and diversifying its supply by growing partnerships with financial institutions and merchants from other verticals [5] - A shift to engagement-based pricing is being implemented, which is expected to help advertisers see the platform as a performance media ad format [10] - The company is committed to ensuring sustainable business and a path to profitability despite challenges [11] Management's Comments on Operating Environment and Future Outlook - Management acknowledged significant limitations due to content restrictions imposed by the largest financial institution partner, which could impact user engagement and advertiser effectiveness [9] - The company is optimistic about the potential for growth in the U.K. market and is focused on reinforcing relationships with top advertisers [15][36] - Management emphasized the importance of diversifying supply and demand to mitigate risks associated with the largest FI partner's restrictions [33] Other Important Information - The company ended Q2 with $46.7 million in cash and cash equivalents and drew $50 million on its line of credit [29] - Monthly qualified users (MQUs) increased by 19% to 224.5 million, driven by the ramp-up of new FI partners [30] Q&A Session Summary Question: Can you elaborate on the Q3 outlook regarding the billings decrease and content restrictions? - Management indicated that the content restrictions are broader than anticipated and are impacting billings significantly [42][43] Question: What is the status of the line of credit drawn? - The $50 million drawn from the line of credit is intended to repay notes due in September, maintaining a comfortable cash balance [44][45] Question: How is the company leveraging AI throughout the platform? - The company is exploring AI applications in development, analytics, and customer insights, although some initiatives may slow down due to recent changes [56][57] Question: What traction has been seen with local offers? - The company has invested in geo-targeted offers, leading to increased traction in everyday spend and QSRs [60][61] Question: Can you discuss the impact of MQUs and the nature of the restrictions? - The broader set of bank partners represents over 50% of MQUs, and the restrictions are limiting brands' ability to utilize the platform effectively [68][70]