Cardlytics, Inc. is classed by the SEC under Services-Computer Programming, Data Processing, Etc. (industry code 7370), based in Atlanta, GA. In its latest annual figures on file, for the fiscal year ended 2025-12-31, it reported revenue of $212 million and a loss of $103 million (its filed statements).
Subscription businessServices-Computer Programming, Data Processing, Etc.Atlanta, GAfilings since 20179 of 9 filed
Three tenses, nine metrics. Unseen metrics stay unseen; the grade never fakes a number. Proxy era: provisional values, marked. Weighed as a subscription business: prior from its industry code (SEC 7370, Services-Computer Programming, Data Processing, Etc.); the filing read can change it. All three tenses have at least two readings, so the archetype blend applies as printed.
The grade, in three tenses
Headline 2.7 out of ten, 9 of 9 metrics filed: past 2.2 out of ten, present 2.3 out of ten, future 3.4 out of ten. The past asks what it actually did, the present what it is doing right now, the future what it is set up to do next.
The nine metrics
Surviving crises (past): 1.6 out of ten. 1 warning event since 2017; the latest 2026-06-03. 16th percentile among 79 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Track record (past): 2.9 out of ten. +8.4% a year over 10 filed years; profitable in 0 of 10. 29th percentile among 70 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Shareholder treatment (past): 1.6 out of ten. Share count grew 16.7% a year. 0% of cash flow returned. Insiders: 16 sales, 2 purchases. 16th percentile among 41 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Financial health (present): 2.3 out of ten. Leverage 102%: owes 102¢ per asset dollar. 23rd percentile among 74 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Industry position (present): 2.5 out of ten. bottom 25% of 73 in its family; net margin -44.4%. 25th percentile among 73 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Leadership (present): 1.9 out of ten. bottom 19% of 34 in its family for leadership; chief executive since 2024. 19th percentile among 34 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-09).
Room to expand (future): 3.6 out of ten. bottom 36% of 71 in its family for room to expand. 36th percentile among 71 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Growth drivers (future): 1.9 out of ten. bottom 18% of 70 in its family for growth drivers. 18th percentile among 70 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
Expectations vs reality (future): 5.4 out of ten. top 46% of 65 in its family for expectations against reality. 54th percentile among 65 sector filers. A production reading, recomputed from the filings on every data build (read from EDGAR 2026-10-12).
The filing record
Newest annual report: Form 10-K filed 2026-03-04 for the period ended 2025-12-31 (on EDGAR). Newest quarterly report: Form 10-Q filed 2026-08-05 for the period ended 2026-06-30 (on EDGAR). Newest results release: Form 8-K filed 2026-08-05 (on EDGAR). Newest filing: Form 144, 2026-10-02. Filings on record since 2017. Read from EDGAR 2026-10-12.
Where the revenue comes from
Lines of business in fiscal 2025: Cardlytic Direct 91%, Bridg Acquisition 9%. By geography: United States 87%, United Kingdom 13%. As tagged in its annual report (Form 10-K, filed 2026-03-04).
Who runs it
Gupta, Amit (Chief Executive Officer); Evans, David Thomas (Chief Financial Officer); Desieno, Alexis (Chief Financial Officer); Cheng, Christopher Chi-Kit (Chief Legal & Privacy Officer); Lynton, Nicholas Hollmeyer (Chief Legal & Privacy Officer); Fernandez, Andre J (director); Francis, Jonathan Edward (director); Gupta, Srishti A. (director); Hill, Scott A (director); Hornsey, Liane (director); and 1 more. 11 officers and directors have filed their own trades in the last fifteen months, names and titles as filed with the SEC, through 2026-10-02.
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