Q4 2025 Cardlytics Inc Earnings Call Transcript

Mar 4, 2026 / 10:00 PM GMT

Release Date Price: MXN1074

Transcript 10-K8-K

Key Points

Positve

Cardlytics Inc (CDLX) successfully reset the company in 2025 to achieve self-sustainability, emerging as a leaner and more focused organization.
The company is expanding its reach by deepening collaborations with bank partners and integrating new publishers into its network.
Cardlytics Inc (CDLX) is leveraging advanced algorithmic capabilities to drive revenue growth for advertisers.
The UK business remains a standout performer, with Q4 revenue surging over 35% year over year, highlighting omni-channel strengths.
Technological improvements in 2025 enabled the engineering team to deliver features 20% faster while reducing infrastructure costs by 40%.

Negative

Top-line billings for fiscal year 2025 were $385 million, down 13.3% year over year, and revenue was $233 million, down 16.2% year over year.
The departure of Bank of America as a partner creates near-term pressure on supply and contributed significantly to the decline in Q1 2026 guidance.
Q4 revenue was $56.1 million, a 24.2% decrease year over year, with US revenue excluding Bridge decreasing 33.5% year over year.
The company experienced pressures in the travel and entertainment and subscription services sectors.
Content restrictions from a major FY partner and the departure of Bank of America are expected to impact billings significantly in Q1 2026.

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

CDLX.OQ - Cardlytics Inc
Q4 2025 Cardlytics Inc Earnings Call
Mar 04, 2026 / 10:00PM GMT

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Presentation
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Unidentified_1 [1]
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Good evening ladies and gentlemen, and welcome to the Carlytic 4th quarter fiscal year 2025 earnings conference call. At this time, all lines are in a listen-only mode. Following the presentation, we will conduct a question-and-answer session. This call is being recorded on Wednesday, March 4th, 2026. I would now like to turn the conference call over to Nick Linton, Chief Legal and Privacy Officer. Please go ahead.

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Unidentified_2 [2]
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Good evening and welcome to the Cardlitic's 4th quarter and full year 2025 financial results call. Before we begin, let me remind

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