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Cardlytics
Cardlytics (CDLX) investor relations material
Cardlytics Q4 2025 earnings summary
Complete event summary combining all related documents: earnings call transcript, report, and slide presentation.Q4 2025 earnings summary4 Mar, 2026
Executive summary
Achieved a strategic reset in 2025, focusing on self-sustainability, operational efficiency, and a leaner organization, with improved cost discipline and operational focus.
Revenue declined 24.2% year-over-year in Q4 2025 and 16.2% for the full year, reflecting business reset and the end of major campaigns.
Adjusted EBITDA rose to $8.5M in Q4 and $10.1M for the year, indicating better underlying profitability.
MQUs grew 18.4% in Q4 and 17.7% for the year, but ACPU fell 35% in Q4 and 25.4% for the year.
Ended relationship with Bank of America due to misalignment on economics and product direction, but deepened ties with other FI partners.
Financial highlights
FY2025 billings were $385M, down 13.3% year-over-year; revenue was $233.3M, down 16.2% year-over-year.
Q4 billings were $94.1M, down 19% year-over-year; Q4 revenue was $56.1M, down 24.2% year-over-year.
Annual Adjusted EBITDA was $10.1M, up $7.5M year-over-year; Q4 Adjusted EBITDA was $8.5M, up $2.1M year-over-year.
Q4 adjusted contribution was $31.7M, down 22.1% year-over-year; full year: $130.3M, down 13.4% year-over-year.
Q4 net loss: $8.3M vs. $15.6M prior year; full year net loss: $103.5M vs. $189.3M prior year.
Q4 free cash flow: $10.5M (up $11.9M YoY); full year: $(6.5)M (up $21.6M YoY).
Outlook and guidance
Q1 2026 billings expected between $57.5M and $63.5M, revenue between $35M and $40M, Adjusted Contribution between $20M and $23M, and Adjusted EBITDA between -$7.5M and -$3.5M.
Q1 billings guidance represents a 41% to 35% year-over-year decrease, mainly due to Bank of America exit and content restrictions.
U.K. business expected to continue growing in Q1, with revenue as a percentage of billings in the low 60% range.
Operating expenses for Q1 expected at or below $27M, a 27% reduction year-over-year.
Confident in sequential growth returning later in 2026 as platform recalibrates post-BofA exit.
Quantify BofA campaign loss impact on MQUs?
How will cost management sustain profitability?
What drives ACPU decline despite MQUs growth?
What tech benefits from BofA relationship end?
How do new FI partners improve unit economics?
What is the status of SKU-level targeting?
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Next Cardlytics earnings date
Q1 20266 May, 2026
Cardlytics
Next Cardlytics earnings date
Q1 20266 May, 2026
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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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