Cardlytics (CDLX)
Connects card-linked offers with digital-banking customers and sales measurement.
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The platform helps marketers deliver card-linked offers through participating financial institutions’ digital-banking channels and measure incremental sales. Its multi-sided model connects FI partners’ anonymized purchase data and customer access with advertiser campaigns.
A financial media network uses anonymized purchase data from participating financial institutions to place card-linked offers in online and mobile banking channels. Financial-institution partners provide digital-banking access and customer data, while marketers use the network’s audience and measurement capabilities to engage potential buyers and measure incremental sales. Named partners include Chase, Wells Fargo, and American Express.
The Cardlytics platform is the current core business. In March 2026, the company sold its Bridg assets and said it would concentrate resources on scaling that platform. Its operating model depends on continued access to a limited number of financial-institution partner channels and their data.
Company facts
Target rangeAs of Sep 21, 2026
Latest analyst notes
| Date | Firm | Action | Prior | Current |
|---|---|---|---|---|
| May 8, 2026 | Lake Street | Target | Target: $3 | Target: $1 |
| Mar 6, 2026 | Evercore ISI | Target | Target: $4 | Target: $1 |
EPSReportedEstimate
RevenueReportedEstimate
Balance sheet, Jun 30, 2026Cash & short-term investments $28.0M · Total debt $189.9M · Total assets $234.8M · Shareholders' equity −$16.0M
- Revenue
- $36.9M
- Operating income
- −$5.4M
- Net income
- −$14.9M
No dividends on record.
| Institutions | 29.56% | 1.74M shares | |
|---|---|---|---|
| 48 holders · as of Jun 30, 2026 | |||
| Insiders | 3.78% | 222.8K shares | |
| 10 holders · as of Aug 18, 2026 | |||
| Other | 66.66% | 3.92M shares | |
| remainder | |||
5.89M company shares as of Sep 22, 2026 · institutions as of Jun 30, 2026 · holders as of their latest filing
A stock split fell inside the quarter, so quarter-on-quarter changes are not shown.
Top shareholders13F · 13D/G · Form 4
| Holder | Stake | Shares | Date |
|---|---|---|---|
Cas Investment Partners, LLCInstitution | 8.00% | 470,986 | as of Jun 30, 2026 |
Vanguard Capital Management LLCInstitution | 3.71% | 218,612 | as of Jun 30, 2026 |
683 Capital Management, LLCInstitution | 3.40% | 200,000 | as of Jun 30, 2026 |
Amit GuptaInsiderdirector, officer: Chief Executive Officer | 2.13% | 125,389 | filed Aug 18, 2026 |
KPS Global Asset Management UK LtdInstitution | 2.07% | 121,883 | as of Jun 30, 2026 |
Insider tradesForm 4
| Date | Insider | Role | Shares | Avg price |
|---|---|---|---|---|
| Aug 18, 2026 | Amit Gupta | director, officer: Chief Executive Officer | −6,676 | $4.03 |
| Aug 17, 2026 | Amit Gupta | director, officer: Chief Executive Officer | −6,785 | $3.97 |
| Jul 2, 2026 | Nicholas Hollmeyer Lynton | officer: Chief Legal & Privacy Officer | −2,151 | $4.40 |
| Jul 6, 2026 | Amit Gupta | director, officer: Chief Executive Officer | −9,640 | $4.39 |
| Jul 2, 2026 | Amit Gupta | director, officer: Chief Executive Officer | −6,498 | $4.40 |
- Visa
Issuer-facing card-linked offers, rewards, and analytics infrastructure
- American Express
Card-member offers and advertising backed by first-party spending data
- Capital One
Issuer-owned cardholder offers with online and in-store rewards
- PayPal
Transaction-graph advertising and merchant offers across PayPal and Venmo
- Ibotta
Publisher-distributed digital promotions with purchase verification
Compare
| Company | Price | Change | |||||
|---|---|---|---|---|---|---|---|
| Cardlytics | $3.67 | −0.27% | $21.4M | — | — | 0.1 | −41.7% |
| Visa | $363.91 | −1.63% | $690.71B | 31.5 | 25.2 | 15.5 | +14.4% |
| American Express | $306.43 | −2.28% | $211.77B | 19.0 | 16.4 | 2.5 | +10.0% |
| Capital One | $201.28 | −1.78% | $125.72B | 12.7 | 9.3 | 1.6 | +26.0% |
| PayPal | $52.85 | +0.43% | $45.01B | 9.9 | 9.5 | 1.3 | +4.8% |
| Ibotta | $41.61 | +1.25% | $1.04B | — | 781.7 | 3.0 | +3.3% |
| Median | 15.8 | 16.4 | 2.5 | +10.0% |