Q3 2025 Cardlytics Inc Earnings Call Transcript

Nov 5, 2025 / 10:00 PM GMT

Release Date Price: MXN1074

Transcript 10-Q8-K

Key Points

Positve

Cardlytics Inc (CDLX) successfully mitigated a significant portion of the billing drop caused by their largest FY partner's content restrictions by shifting volume to other partners.
The company expanded its network by signing three new partners in the US, including OpenTable, enhancing engagement and loyalty.
Cardlytics Inc (CDLX) reported a 21% year-over-year improvement in return on ad spend (ROAS), indicating better performance for advertisers and bank partners.
The UK business showed strength with a 22% revenue growth year-over-year, driven by increased supply and higher billings from new merchants.
The company achieved a 30% reduction in workforce and other operational costs, resulting in expected annualized cash savings of $26 million.

Negative

Cardlytics Inc (CDLX) experienced a 20.3% decrease in total billings for Q3, primarily due to content restrictions from their largest FY partner.
Revenue decreased by 22.4% to $52.0 million, driven by a decrease in billings and a lower revenue-to-billings margin.
The company faced a temporary overcorrection in margins due to abrupt supply changes, causing some choppiness in their financial performance.
Bridge revenue decreased by 15% due to the loss of a major account in previous quarters.
Despite efforts to mitigate losses, the primary driver of expected billings decrease in Q4 remains further content restrictions by their largest FY partner.

Refinitiv StreetEvents Event Transcript
E D I T E D V E R S I O N

CDLX.OQ - Cardlytics Inc
Q3 2025 Cardlytics Inc Earnings Call
Nov 05, 2025 / 10:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good afternoon ladies and gentlemen, and welcome to the Q3 2025 card latex inc earnings conference call. At this time, all lines are in lesson only mode. Following the presentation, we will conduct a question-and-answer session. If at any time during this call or require immediate assistance, please press 0 for the operator. This call is being recorded on November 5, 2025, and I would like to turn the conference over to Nick Clinton.

Thank you. Please go ahead.

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Unidentified_2 [2]
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Good evening and welcome to the Carlitics 3rd quarter 2025 Financial results

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