Cardlytics, Inc. Financial Ratios — CDLX Stock

Profitability (USD)

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Return on Common Equity (%)	- -	- -	- -	- -	-17.56	-36.89	-30.33	-103.13	-77.77	-184.88	- -
Return on Assets (%)	- -	-89.5	-20.94	-41.68	-9.07	-17.14	-15.25	-47.6	-21.29	-39.16	-30.51
Return on Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Return on Invested Capital (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Gross Margin (%)	32.38	35.82	38.44	36.29	37.76	33.86	38.69	37.73	42.17	43.44	44.85
EBITDA Margin (%)	-48.23	-23.14	-10.79	-24.98	-6.08	-22.65	-22.91	-30.75	-11.05	-12.81	-7.84
Operating Margin (%)	-51.06	-26.88	-13.12	-27.15	-8.23	-28.85	-36.26	-45.4	-20.59	-22.83	-19.59
Incremental Operating Margin (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Pretax Margin (%)	-52.35	-67.09	-15.07	-35.2	-8.15	-29.65	-51.07	-156.33	-43.56	-68.02	-44.36
Profit Margin (%)	-52.33	-67.09	-15.07	-35.2	-8.15	-29.65	-48.13	-155.85	-43.56	-68.02	-44.36
Net Income to Common Margin (%)	-53.62	-67.09	-19.47	-35.2	-8.15	-29.65	-48.13	-155.85	-43.56	-68.02	-44.36
Effective Tax Rate (%)	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Dvd Payout Ratio (%)	2.4	- -	22.62	- -	- -	- -	- -	- -	- -	- -	- -
Sustainable Growth Rate (%)	- -	- -	- -	- -	-17.56	-36.89	-30.33	-103.13	-77.77	-184.88	- -

Credit (USD)

Credit Ratios API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Total Debt	32	112	57	47	- -	188	197	235	266	222	215
ST Debt	22	- -	- -	- -	- -	5	6	5	2	48	2
LT Debt	10	112	57	47	- -	183	191	230	264	174	214
Total Debt/EBITDA	-0.86	-4.29	-4.05	-1.24	- -	-4.44	-3.22	-2.56	-7.79	-6.22	-11.77
Net Debt/EBITDA	-0.12	-3.4	-2.54	-0.19	8.17	2.82	0.8	-1.13	-4.85	-4.15	-8.76
Total Debt/EBIT	-0.81	-3.69	-3.33	-1.14	- -	-3.49	-2.04	-1.74	-4.18	-3.49	-4.71
Net Debt/EBIT	-0.11	-2.93	-2.09	-0.17	6.03	2.21	0.51	-0.77	-2.6	-2.33	-3.51
EBITDA to Interest Expense	- -	- -	-1.69	-11.53	-23.34	-13.89	-4.87	-35.91	-5.52	-4.01	-1.72
EBITDA-CapEx/Interest Expense	- -	- -	-1.84	-13.35	-38.5	-15.69	-5.13	-36.44	-5.63	-4.18	-1.77
EBIT to Interest Expense	- -	- -	-2.05	-12.54	-31.61	-17.69	-7.71	-53.03	-10.29	-7.14	-4.3
Interest Expense	- -	- -	8	3	1	3	13	3	6	9	11
Common Equity/Total Assets	-197.06	-249.64	-207.12	33.8	63.87	37.2	54.65	30.61	23.48	17.82	-2.28
Long-Term Debt/Equity (%)	- -	- -	- -	89.84	0.01	116.67	27.68	108.86	195.77	248.26	- -
Long-Term Debt/Capital (%)	-7.61	-106.54	-37.56	47.31	0.01	53.11	21.53	51.55	65.84	59.58	102.35
Long-Term Debt/Total Assets (%)	12.01	128.71	56.54	30.37	0.01	43.4	15.13	33.32	45.96	44.25	74.82
Total Debt/Equity (%)	-19.9	-51.61	-27.32	89.88	0.03	119.67	28.55	111.18	197.35	316.68	-3,308.45
Total Debt/Capital (%)	-24.84	-106.64	-37.59	47.33	0.03	54.48	22.21	52.65	66.37	76	103.12
Total Debt/Total Assets (%)	39.21	128.83	56.58	30.38	0.02	44.52	15.61	34.04	46.33	56.44	75.38
Net Debt to Equity	-2.79	-40.98	-17.13	13.64	-72.91	-75.85	-7.1	49.22	122.91	211.45	-2,461.6
Net Debt/Capital (%)	-2.88	-69.55	-20.67	12.01	-268.9	-229.01	-7.5	32.05	53.62	65.47	100.07
EBITDA	-37	-26	-14	-38	-13	-42	-61	-92	-34	-36	-18
EBITDA-CapEx	-43	-28	-15	-44	-21	-48	-64	-93	-35	-37	-19
Operating Income (Loss)	-40	-30	-17	-41	-17	-54	-97	-136	-64	-64	-46

Liquidity (USD)

Liquidity Ratios API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Cash Ratio	0.41	0.58	0.5	0.76	1.33	3.61	0.71	0.49	0.54	0.44	0.62
Current Ratio	1.01	1.73	1.77	2.4	2.5	4.74	1.1	1	1.31	1.19	1.75
Quick Ratio	0.99	1.68	1.72	1.93	2.42	4.67	1.07	0.97	1.27	1.16	1.71
CFO/Avg Current Liab	- -	-0.61	-0.54	-0.4	0.18	-0.1	-0.19	-0.19	- -	-0.06	0.08
Common Equity/Total Assets	-197.06	-249.64	-207.12	33.8	63.87	37.2	54.65	30.61	23.48	17.82	-2.28
Long-Term Debt/Equity (%)	- -	- -	- -	89.84	0.01	116.67	27.68	108.86	195.77	248.26	- -
Long-Term Debt/Capital (%)	-7.61	-106.54	-37.56	47.31	0.01	53.11	21.53	51.55	65.84	59.58	102.35
Long-Term Debt/Total Assets (%)	12.01	128.71	56.54	30.37	0.01	43.4	15.13	33.32	45.96	44.25	74.82
Total Debt/Equity (%)	-19.9	-51.61	-27.32	89.88	0.03	119.67	28.55	111.18	197.35	316.68	-3,308.45
Total Debt/Capital (%)	-24.84	-106.64	-37.59	47.33	0.03	54.48	22.21	52.65	66.37	76	103.12
Total Debt/Total Assets (%)	39.21	128.83	56.58	30.38	0.02	44.52	15.61	34.04	46.33	56.44	75.38
CFO/Total Liabilities	-11.93	-10.7	-7.14	-18.66	14.14	-2.86	-6.72	-11.24	-0.04	-2.73	3.18
CFO/CapEx	-5.06	-17.11	-17.33	-3.2	1.38	-1.39	-11.89	-40.05	-0.28	-5.65	19.35
Altman's Z-Score	-3.63	-3.49	-2.63	-0.86	11.54	8.57	0.37	-5.47	-5.37	-8.75	-12.32

Working Capital (USD)

Working Capital Ratios API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Accounts Receivable Turnover	- -	2.84	2.88	2.83	3.02	2.3	2.78	2.63	2.62	2.49	2.51
Days Sales Outstanding	- -	128.52	126.54	128.95	121.05	158.88	131.41	138.58	139.43	146.81	145.45
Inventory Turnover	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Days Inventory Outstanding	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Accounts Payable Turnover	- -	21.47	40.92	52.56	78.71	95.38	54.76	44.35	43.67	38.8	36.5
Accounts Payable Turnover Days	- -	17	8.92	6.94	4.64	3.83	6.67	8.23	8.36	9.41	10
Cash Conversion Cycle	- -	111.52	117.62	122.01	116.41	155.05	124.74	130.35	131.07	137.4	135.46
Inventory to Cash Days	- -	128.52	126.54	128.95	121.05	158.88	131.41	138.58	139.43	146.81	145.45
Inventories	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Raw Materials	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Work In Process	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Finished Goods	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Other Inventory	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -

Enterprise Value (USD)

Enterprise Value API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Market Capitalization	- -	- -	- -	243	1,669	3,978	2,216	193	366	190	63
- Cash & Cash Equivalents	27	23	21	40	104	293	233	122	92	66	49
+ Preferred Equity and Hybrid Capital	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Minority/Non Controlling Interest	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
+ Total Debt	32	112	57	47	- -	188	197	235	266	222	215
Enterprise Value	5	89	36	250	1,564	3,873	2,180	307	540	346	229
Total Capital	-130	-105	-152	99	143	345	888	447	401	292	209
Total Debt/Capital (%)	-24.84	-106.64	-37.59	47.33	0.03	54.48	22.21	52.65	66.37	76	103.12
Total Debt / EV	6.53	1.26	1.59	0.19	- -	0.05	0.09	0.77	0.49	0.64	0.94
EV/Sales	0.06	0.79	0.27	1.66	7.43	20.72	8.16	1.03	1.75	1.24	0.98
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
EV/Cash Flow to Firm	- -	- -	- -	- -	130.31	- -	- -	- -	89.96	4,382.54	11.51
EV/Free Cash Flow to Firm	- -	- -	- -	- -	77.01	4,146.24	- -	- -	80.96	210.98	11.24
Diluted Market Cap	- -	- -	- -	206	1,497	3,888	2,128	193	336	179	61
Diluted Enterprise Value	5	89	36	214	1,392	3,783	2,092	307	510	335	228
EV per Share	2.53	45.63	18.31	111.46	589.27	1,389.97	650.09	91.66	135.95	67.55	42.06
TTM Sales	78	113	130	151	210	187	267	299	309	278	233
TTM EBITDA	-37	-26	-14	-38	-13	-42	-61	-92	-34	-36	-18
TTM Operating Income	-40	-30	-17	-41	-17	-54	-97	-136	-64	-64	-46
TTM Cash Flow to Firm	-29	-32	-14	-16	12	-5	-27	-51	6	- -	20
TTM Free Cash Flow to Firm	-23	-31	-12	-10	20	1	-23	-50	7	2	20

Multiples (USD)

Valuation Multiples API ChatGPT

	2015 Y	2016 Y	2017 Y	2018 Y	2019 Y	2020 Y	2021 Y	2022 Y	2023 Y	2024 Y	2025 Y
As of date	12/31/2015	12/31/2016	12/31/2017	12/31/2018	12/31/2019	12/31/2020	12/31/2021	12/31/2022	12/31/2023	12/31/2024	12/31/2025

Price/Free Cash Flow	- -	- -	- -	-15.82	75.73	-1,839.06	-60.32	-3.68	697.21	-24.71	6.25
EV/EBIT	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Enterprise Value	5	89	36	250	1,564	3,873	2,180	307	540	346	229
Low Price	- -	- -	- -	98	103	273.3	606.6	35	25.7	28.9	8.52
EV/Sales	0.06	0.79	0.27	1.66	7.43	20.72	8.16	1.03	1.75	1.24	0.98
EV/EBITDA	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Price/Earnings Average	- -	- -	- -	-6.7	-40.98	-37.8	-26.39	-2.04	-2.34	-1.82	-0.99
Price/Earnings High	- -	- -	- -	-10.17	-90.87	-73.75	-40.44	-5.27	-5.3	-5.24	-2.08
Price/Earnings Low	- -	- -	- -	-3.52	-14.31	-13.4	-15.19	-0.25	-0.7	-0.74	-0.44
Price/Book Value	- -	- -	- -	4.68	11.65	25.3	3.21	0.91	2.71	2.72	-9.63
Price/Book Value Average	- -	- -	- -	8.06	5.47	13.67	5.12	4.49	2.54	5.22	-16.21
Price/Book Value High	- -	- -	- -	12.23	12.12	26.67	7.84	11.61	5.77	15.03	-33.92
Price/Book Value Low	- -	- -	- -	4.24	1.91	4.84	2.95	0.55	0.76	2.12	-7.14
Price/Tangible Book Value	- -	- -	- -	4.87	12	26.44	-11.63	-0.9	-1.81	-1.42	-0.43
Price/Tangible Book Value Average	- -	- -	- -	8.38	5.63	14.28	-18.55	-4.43	-1.7	-2.72	-0.72
Price/Tangible Book Value High	- -	- -	- -	12.72	12.49	27.86	-28.42	-11.46	-3.85	-7.84	-1.51
Price/Tangible Book Value Low	- -	- -	- -	4.41	1.97	5.06	-10.68	-0.55	-0.51	-1.1	-0.32
Price/Sales	- -	- -	- -	1.37	7.11	20.75	7.97	0.65	1.09	0.64	0.26
Price/Sales Average	- -	- -	- -	2.36	3.34	11.21	12.7	3.18	1.02	1.24	0.44
Price/Sales High	- -	- -	- -	3.58	7.4	21.87	19.47	8.22	2.31	3.57	0.92
Price/Sales Low	- -	- -	- -	1.24	1.17	3.97	7.31	0.39	0.3	0.5	0.19
Price/Cash Flow	- -	- -	- -	-10.87	130.64	-510.49	-55.25	-3.58	-1,816.51	-20.33	6.57
Price/Cash Flow Average	- -	- -	- -	-18.71	61.32	-275.71	-88.07	-17.59	-1,702.83	-39.07	11.07
Price/Cash Flow High	- -	- -	- -	-28.39	135.98	-537.99	-134.98	-45.51	-3,859.84	-112.46	23.16
Price/Cash Flow Low	- -	- -	- -	-9.83	21.41	-97.72	-50.71	-2.17	-506.89	-15.84	4.87
Price/Free Cash Flow Average	- -	- -	- -	-27.23	35.54	-993.27	-96.16	-18.04	653.58	-47.47	10.52
Price/Free Cash Flow High	- -	- -	- -	-41.31	78.82	-1,938.12	-147.37	-46.68	1,481.47	-136.65	22.02
Price/Free Cash Flow Low	- -	- -	- -	-14.31	12.41	-352.05	-55.36	-2.23	194.55	-19.25	4.63
EV/Sales Average	0.06	0.79	0.27	2.83	3.23	10.93	13.09	3.56	1.67	1.87	1.17
EV/Sales High	0.06	0.79	0.27	4.26	7.76	21.87	20.14	8.61	3.08	4.34	1.66
EV/Sales Low	0.06	0.79	0.27	1.51	0.8	3.51	7.48	0.77	0.89	1.09	0.91
EV/EBITDA Average	-0.13	-3.41	-2.54	-11.32	-53.07	-48.27	-57.14	-11.58	-15.14	-14.62	-14.87
EV/EBITDA High	-0.13	-3.41	-2.54	-17.08	-127.64	-96.54	-87.89	-28.01	-27.86	-33.87	-21.17
EV/EBITDA Low	-0.13	-3.41	-2.54	-6.04	-13.21	-15.5	-32.65	-2.51	-8.09	-8.53	-11.64
EV/EBIT Average	-0.12	-2.94	-2.09	-10.41	-39.18	-37.89	-36.1	-7.85	-8.12	-8.21	-5.95
EV/EBIT High	-0.12	-2.94	-2.09	-15.71	-94.23	-75.79	-55.53	-18.97	-14.95	-19.01	-8.48
EV/EBIT Low	-0.12	-2.94	-2.09	-5.55	-9.76	-12.17	-20.63	-1.7	-4.34	-4.79	-4.66
Last Price	- -	- -	- -	108.3	628.6	1,427.7	660.9	57.8	92.1	37.1	11.5
High Price	- -	- -	- -	282.9	654.3	1,504.6	1,614.7	734.1	195.7	205.2	40.5
Enterprise Value Average	5	89	36	426	679	2,043	3,497	1,063	517	521	272
Enterprise Value High	5	89	36	643	1,633	4,087	5,378	2,571	952	1,208	387
Enterprise Value Low	5	89	36	227	169	656	1,998	231	276	304	213

Shares Outstanding	2	2	2	2	3	3	3	3	4	5	5
Diluted Weighted Avg Shares	1	1	2	2	2	3	3	3	4	5	5
Basic Weighted Avg Shares	1	1	2	2	2	3	3	3	4	5	5
Revenue per Share	55.35	80.43	66.79	79.06	88.37	68.79	82.95	89.33	84.74	57.55	43.92
EBITDA per Share	-26.69	-18.61	-7.21	-19.75	-5.37	-15.58	-19	-27.47	-9.36	-7.37	-3.44
Operating Income per Share	-28.26	-21.62	-8.76	-21.47	-7.28	-19.85	-30.08	-40.56	-17.45	-13.14	-8.61
Basic EPS, GAAP	-29.68	-53.96	-13	-27.83	-7.2	-20.4	-39.92	-139.22	-36.92	-39.14	-19.48
Basic EPS from Cont Ops	-28.96	-53.96	-10.06	-27.83	-7.2	-20.4	-39.92	-139.22	-36.92	-39.14	-19.48
Diluted EPS, GAAP	-29.68	-53.96	-13	-27.83	-7.2	-20.35	-39.92	-139.22	-36.92	-39.14	-19.48
Diluted EPS from Cont Ops	-28.96	-53.96	-10.06	-27.83	-7.2	-20.35	-39.92	-139.22	-36.92	-39.14	-19.48
Dividend per Share	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -	- -
Cash Flow per Share	-20.79	-23.17	-11.32	-9.97	4.81	-2.8	-11.96	-16.13	-0.05	-1.82	1.75
Free Cash Flow per Basic Share	-24.89	-24.52	-11.98	-13.08	1.32	-4.82	-12.97	-16.53	-0.23	-2.15	1.66
Cash & Equivalents per Share	14	11.7	10.89	17.64	39.35	105.25	69.62	36.41	23.11	12.8	8.94
Book Value per Share	-83.08	-111.09	-106.91	23.13	53.97	56.42	205.97	63.21	33.93	13.66	-1.19
Tangible Book Value per Share	-83.64	-111.33	-107.4	22.25	52.38	54	-56.81	-64.08	-50.84	-26.17	-26.89

Cardlytics, Inc.

Profitability (USD)

Credit (USD)

Liquidity (USD)

Working Capital (USD)

Enterprise Value (USD)

Multiples (USD)

Per Share Data Items (USD)