CDLX (Cardlytics) Moat Score: 4/10 (As of Jun. 28, 2026)


CDLX Cardlytics Inc CDLX
37 GF Score
Price $4.73
GF Value $18.68
Valuation Possible Value Trap
! 4 Warning Signs
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What is Cardlytics Moat Score?

Cardlytics CDLX -5.14% 37 Moat Score is 4 as of Jun. 28, 2026. GuruFocus rates CDLX with a GF Score™ of 37/100 and a GF Value™ of $18.68 (Possible Value Trap). The stock has 4 warning signs investors should review. Among 1,042 Media - Diversified companies, Cardlytics ranks better than 93.57% on this metric.

Cardlytics has the Moat Score of 4, which implies that the company might have Narrow Moat - Discernible but modest moat.

Cardlytics has Narrow Moat: Cardlytics has a discernible moat through its data analytics platform and partnerships with financial institutions. However, it faces competition and lacks strong customer switching costs or intellectual property protection.

Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more.

The company's Moat Score is based on these criteria:

1. Market leadership and sustainable market share
2. Network effects and significant customer switching costs
3. Valuable intellectual property and patents
4. Strong brand strength and deep customer loyalty
5. Durable cost advantages (e.g., economies of scale, proprietary technology)
6. Significant regulatory barriers and exclusive licenses
7. Superior distribution network
8. Strong and sustainable pricing power
9. Consistent and impactful innovation and R&D capabilities

Based on the research, GuruFocus believes Cardlytics might have Narrow Moat - Discernible but modest moat.

Cardlytics  (NAS:CDLX) Moat Score Explanation

The Moat Score ranges from 0 to 10, with 10 as the highest. GuruFocus divided Moat Score into following 8 categories:

Moat Score Moat Level
10Wide Moat - Exceptionally dominant and durable wide moat
8 - 9Wide Moat - Clear and robust wide moat
7Wide Moat - Entry-level wide moat, clearly possessing durable advantages
6Narrow Moat - Strong narrow moat, clearly distinguishable but not wide
5Narrow Moat - Solid narrow moat
4Narrow Moat - Discernible but modest moat
1 - 3No Moat - Very weak/transient advantages
0No Moat - No discernible moat

Cardlytics Moat Score Related Terms

CDLX vs SWAG, WIMI, HAFG: Moat Score Comparison

For the Advertising Agencies subindustry, Cardlytics's Moat Score, along with its competitors' market caps and Moat Score data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Cardlytics Moat Score vs Media - Diversified Industry

For the Media - Diversified industry and Communication Services sector, Cardlytics's Moat Score distribution charts can be found below:

* The bar in red indicates where Cardlytics's Moat Score falls into.


CDLX
37GF Score
Cardlytics Inc CDLX
Moat Score is just one metric. See GF Score™, valuation, warning signs, and more.
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Frequently Asked Questions Learn more about Moat Score →
What does a Moat Score of 4 mean?
Cardlytics (CDLX) has a Moat Score of 4 as of Jun. 28, 2026. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. According to the industry distribution chart, Cardlytics ranks #67 out of 1042 companies in the Media - Diversified industry, placing it in the top 6.4%.
Is Cardlytics' Moat Score too high?
Cardlytics' current Moat Score is 4. Based on the distribution chart, Cardlytics ranks #67 out of 1042 companies in the Media - Diversified industry, which is in the top quartile — a strong position relative to peers. Overall, Cardlytics has a GF Score™ of 37/100 and is considered Possible Value Trap, reflecting its overall financial health beyond just this single metric.
How does Cardlytics' Moat Score compare to SWAG and WIMI?
According to the Media - Diversified industry distribution chart, Cardlytics ranks #67 out of 1042 companies for Moat Score. This places Cardlytics in the top 6% of its industry — outperforming the majority of peers. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Moat Score for a Media - Diversified company?
A good Moat Score depends on the Media - Diversified industry context. However, Moat Score should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Moat Score mean?
A high Moat Score can signal that a stock is expensive relative to its fundamentals. Moat Score is a ranking system developed by GuruFocus to assess a company's ability to sustain a competitive advantage, rated on a scale from 0 to 10. It takes into account key factors such as market leadership, cost advantages, network effects, customer switching costs, and more. Cardlytics's current Moat Score is 4. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Cardlytics stock overvalued right now?
Based on GuruFocus' analysis, Cardlytics (CDLX) is currently considered Possible Value Trap. The stock's GF Value™ is $18.68, compared to a current price of $4.73 — trading 74.7% below its estimated fair value. The current Moat Score is 4. Cardlytics' overall GF Score™ is 37/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Moat Score calculated?
Moat Score is calculated from a company's financial statements. For Cardlytics (CDLX), the current Moat Score is 4 as of Jun. 28, 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Cardlytics (CDLX) Overvalued in 2026?

Based on GuruFocus' analysis, Cardlytics stock appears to be undervalued. The current stock price of $4.73 is trading 74.7% below its estimated GF Value™ of $18.68. GuruFocus considers Cardlytics to be Possible Value Trap.

Key valuation signals for CDLX:

  • Moat Score: 4
  • GF Value™: $18.68 vs. price of $4.73 (74.7% below fair value)
  • GF Score™: 37/100 with 4 warning signs

No single metric tells the full story. See the CDLX stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Cardlytics Business Description

Other Exchanges 0LEC:UKCYX0:Germany
Address 675 Ponce de Leon Avenue, NE, Suite 4100, Atlanta, GA, USA, 30308
Cardlytics Inc is a commerce media platform that is designed to make commerce smarter and rewarding for everyone. At the core of its commerce media platform is the financial media network that it runs within its partners' digital channels, which includes online and mobile applications (the Cardlytics platform). Additionally, it operates an identity resolution platform that utilizes point-of-sale (POS) data, including product-level purchase data, to enable marketers to perform analytics and targeted loyalty marketing and also measure the impact of their marketing (the Bridg platform). It operates in three segments: the Cardlytics platform in the U.S.; the Cardlytics platform in the U.K.; and the Bridg platform. The majority of the revenue is derived from the Cardlytics platform.
37GF Score

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Moat Score is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

$4.73
Price
$18.68
GF Value