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Cardlytics (CDLX) investor relations material
Cardlytics Q2 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q2 2025 earnings summary6 Aug, 2025
Executive summary
Q2 2025 revenue was $63.2M, down 9% year-over-year; billings fell 6% to $104.0M.
Net loss widened to $9.3M from $4.3M year-over-year; adjusted EBITDA improved to $2.7M from a loss of $2.3M.
Major FI partner imposed content restrictions, impacting supply and billings; Bank of America issued a non-renewal notice effective July 31, 2025.
Cost reduction measures, including a reduction in force, resulted in $1.5M in one-time costs in Q2 2025.
Monthly qualified users rose 19% year-over-year to 224.5M, but adjusted contribution per user declined to $0.14.
Financial highlights
Adjusted EBITDA was $2.7M, up $5M year-over-year, surpassing guidance high end.
Adjusted contribution margin reached 57.1%, a five-point increase and highest to date.
Free cash flow was negative $3.4M, improved $7.4M sequentially; operating cash flow positive at $1.2M.
Gross margin improved to 46.3% in Q2 2025 from 41.2% in Q2 2024.
Cash and cash equivalents at June 30, 2025: $46.7M; working capital: $21.3M.
Outlook and guidance
Q3 2025 billings expected between $87M–$95M, a 15–22% year-over-year decrease due to FI partner restrictions.
Q3 revenue guidance: $52.2M–$58.2M; adjusted EBITDA between -$2.3M and $2.7M.
UK expected to continue strong growth in Q3; revenue as a percentage of billings to remain in low 60% range.
Management continues to focus on cost optimization and shifting marketers to other FI partner channels.
The company believes it has sufficient liquidity for at least the next 12 months but may require additional capital for long-term growth.
Explain the strategic shifts mentioned by the CEO.
What factors affect marketer budget amounts?
How does Cardlytics define 'Free Cash Flow'?
How will content restrictions impact Q3 billings?
What's driving Rippl's increased advertiser interest?
Characterize the nature of the FI partner's restrictions.
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Next Cardlytics earnings date
Q3 20255 Nov, 2025
LIVEat 22:00
Next Cardlytics earnings date
Q3 20255 Nov, 2025
LIVEat 22:00
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Frequently asked questions
Cardlytics Inc operates a purchase intelligence platform that helps make marketing more relevant and measurable. The company's platform enables marketers to have access to purchase insights based on aggregate, anonymized transaction data from millions of debit, credit and prepaid cards, while providing consumers with highly personalized and valuable offers directly within their existing banking environment.
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