)
Edge17 Oct 2025
A Castle in the Sky: The Story of Oracle
Oracle's journey from database innovator to disciplined enterprise backbone, now shaping the AI buildout with a standardized cloud infrastructure.
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.
Partial view of Summaries dataset, powered by Quartr API
Research faster. Power your platform.
Next Cardlytics earnings date
Q3 20255 Nov, 2025
Next Cardlytics earnings date
Q3 20255 Nov, 2025
The essential earnings season companion
The #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Live calls and transcripts
Listen to earnings calls, CMDs, investor conferences, and more – with a podcast-like experience.
Find what you need faster
Search for any keyword across all transcripts simultaneously.
Easily store key findings
Capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Your watchlist. Your dashboard.
Follow the companies that matter to you. Get a personalized feed with real-time updates.
Be the first to know
Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned.
Consensus estimates
Access analyst consensus estimates, valuation multiples, and revenue segments splits.
All IR material in one place
The easiest way to stay updated during earnings season.
Global coverage
All events from public companies. Live and recorded.
Just click and listen
No webcast links. No manual registrations.
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
)
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
)
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
excellent app, it gives me free access to company earnings calls and annual reports. I also love the convenience of calls being available offline so I can listen in whilst doing other things and even when internet or WiFi isn't available.
Leroy DaleyApp Store
One of the very few apps you could call perfect. If something was to add to it, maybe the share price of the company when you search for it, but it's already excellent.
Eferix Drawings Google Play
This is genuinely one of the cleanest and fastest finance apps out there to track the market.
anuj283App Store
I can't remember the last time an app had such a positive impact on my investment process.
)
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
I can't remember the last time an app had such a positive impact on my investment process.
@ankurshah47_ x.com
Love the app! Quartr makes it really easy to keep track of earnings calls. It also includes the reports and slides to make it easier to follow along.
Amina0781App Store
Quartr is amazing, no way around it. It is the best right now for earnings calls, presentations, and the like.
@theshortbearx.com
Related articles
)
Company Research17 Oct 2025
Beneath the Surface: A Conversation with Epiroc CEO Helena Hedblom
Legacy, innovation, and leading one of Sweden's most influential industrial companies into a new era.
)
Investor Relations14 Oct 2025
Boost Your Earnings Season Strategy With Real‑Time Alerts
Quartr Pro provides real time alerts, trend analysis and live coverage, giving analysts and investors instant insights to act faster in earnings.
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.
Quartr provides global coverage of all investor relation material from public companies.
Mobile app: Research anytime, anywhere with the #1 app for live earnings calls, transcripts, analyst estimates, and more. All for free.
Desktop (Quartr Pro): The leading platform for qualitative research, used daily by top firms and financial institutions.
Quartr API: Build custom solutions powered by live earnings calls, live transcripts, filings and reports, slide presentations, and more.
Yes, the Quartr mobile app is free on both iOS and Android.
Yes. Quartr provides global, industry-leading live coverage of company events such as regular earnings calls, capital markets days, M&A announcements, and investor conferences. Live with zero delays. Just click and listen.
Yes, capturing important takeaways is as simple as it gets. Even during your lunch run or commute.
Yes. Follow the companies that matter to you. Get a personalized feed with real-time updates, a tailored earnings calendar, and instant alerts when earnings calls go live.
Yes. Set keyword alerts for any company, product, or competitor. Get notified the moment they're mentioned, regardless of who's talking.
Explore our global coverage