Cardlytics

Cardlytics ROA

The Return on Assets (ROA) of Cardlytics (CDLX) as of Sep 27, 2026 is -36.23 %. In the previous year, Return on Assets (ROA) was -48.20 % — a change of -24.84% (higher).

ROA

-36.23 %

YoY

-24.84%

Last updated:

In 2026, Cardlytics's return on assets (ROA) was -36.23 %, a -24.84% increase from the -48.20 % ROA in the previous year.

The Cardlytics ROA history

  • 3 Years

  • 10 Years

  • 25 Years

  • Max

ROA
Date
ROA
Jan 1, 2018
-34.50 USD
Jan 1, 2019
-7.64 USD
Jan 1, 2020
-13.12 USD
Jan 1, 2021
-10.17 USD
Jan 1, 2022
-67.31 USD
Jan 1, 2023
-23.46 USD
Jan 1, 2024
-48.20 USD
Jan 1, 2025
-36.23 USD
The Cardlytics ROA history
YEARROAYoY
-36.23 %-24.84%
-48.20 %+105.46%
-23.46 %-65.14%
-67.31 %+561.65%
-10.17 %-22.44%
-13.12 %+71.62%
-7.64 %-77.84%
-34.50 %+76.96%
-19.49 %-77.63%
-87.15 %+76.53%
-49.37 %—
Access this data via the Eulerpool API

Cardlytics Stock analysis

What does Cardlytics do? Cardlytics Inc is an Atlanta, Georgia-based adtech company that has developed a proprietary online purchase data platform, allowing advertisers to conduct targeted advertising campaigns based on consumer interests and shopping behavior. The company was founded in 2008 by Scott Grimes and Lynne Laube, with the goal of launching the loyalty program "Cardlytics Rewards". The program offered bank customers discounts and rewards for purchases at popular retailers. However, the company quickly shifted its focus to developing its online purchase data platform, which is now the core business of the company. Cardlytics' business model is based on banks (such as Wells Fargo or Bank of America) being able to offer their customers personalized ads based on their shopping behavior. Cardlytics works with these banks to capture and analyze their transaction data without collecting personal identifiable information. The data is then used to provide personalized advertising campaigns across various digital channels (such as mobile apps, email, online advertising). Cardlytics operates in three segments: Bank Partnerships, Direct and Native Advertising, and Analytics and Insights. Bank Partnerships is the largest segment and represents the main revenue source for the company. In this segment, Cardlytics works with over 2,000 banks in the US, as well as in the UK, Australia, and Canada, to provide personalized advertising campaigns for their customers. The Direct and Native Advertising segment of Cardlytics includes partnerships with retailers and brands that advertise on Cardlytics' online purchase data platform. These ads are delivered directly to consumers who have recently shopped at one of the participating retailers. Native advertising includes placements in shopping bags, receipts, and other transaction-related emails. Direct advertising includes ads placed in digital channels such as social media and mobile applications. Cardlytics' Analytics and Insights segment provides insights into consumer shopping behavior. This includes data analytics, reports, and dashboards that give retailers and brands an overview of the effectiveness of their advertising campaigns and help them optimize their advertising strategy. Cardlytics' platform offers several products. One of the main products is purchase data analytics, where the company collects and analyzes transaction data to gain a better understanding of how consumers shop and what products they prefer. Another main product is offering personalized advertising campaigns based on consumer purchase data and interests. Cardlytics also offers a tracking platform that allows advertisers and retailers to track ad performance and return on investment. With this tracking platform, clients can see how their ads are influencing consumers, which consumers are responding to which ads, and how the ad campaign can be optimized to improve results. Overall, Cardlytics has a unique position in the adtech industry, as it can offer personalized advertising based on transaction data. The company has built partnerships with a variety of banks and retailers and offers a wide range of products and services to meet the needs of its clients. Cardlytics is one of the most popular companies on Eulerpool.

ROA Details

Understanding Cardlytics's Return on Assets (ROA)

Cardlytics's Return on Assets (ROA) is a key performance indicator that measures the company's profitability in relation to its total assets. It is calculated by dividing the net income by the total assets. A higher ROA indicates efficient asset utilization to generate profits, reflecting managerial effectiveness and financial health.

Year-to-Year Comparison

Comparing Cardlytics's ROA year-over-year provides insights into the company’s operational efficiency and asset utilization trends. An increasing ROA demonstrates enhanced asset efficiency and profitability, while a declining ROA can indicate operational or financial challenges.

Impact on Investments

Investors consider Cardlytics's ROA as a crucial metric to evaluate the company’s profitability and efficiency. A higher ROA signifies that the company is effectively utilizing its assets to generate profits, making it a potentially attractive investment.

Interpreting ROA Fluctuations

Variations in Cardlytics’s ROA can be attributed to changes in net income, asset purchases, or operational efficiencies. Analyzing these fluctuations assists in assessing the company's financial performance, management efficiency, and strategic financial positioning.

Frequently Asked Questions about Cardlytics stock

Return on Assets (ROA) of Cardlytics is -36.23 % in 2026.

Return on Assets (ROA) of Cardlytics changed from -48.20 % to -36.23 %, representing a -24.84% change. The value is higher than the previous year.

On Eulerpool you can find the complete historical development of Return on Assets (ROA) Cardlytics since 2006 – with annual values, charts, and detailed analysis.

Return on Assets, also known as ROA, is a financial metric used to measure a company's profitability. It is used to determine how effectively a company uses its assets to generate profits. It is also referred to as the ratio of net income to total assets. ROA is an important indicator of a company's overall financial performance as it measures the company's ability to generate more profit from the assets it employs.

A 'good' varies by industry and company stage. On Eulerpool, you can compare Return on Assets (ROA)'s Cardlytics with sector peers and the industry average to assess whether it is attractive.

To evaluate Return on Assets (ROA)'s, it is essential to compare it with peers in the same industry and sector. On Eulerpool, you can find direct industry comparisons for Return on Assets (ROA).

Access this data via the Eulerpool API

Profitability — Cardlytics

All Key Metrics — Cardlytics