CDLX earnings / call / takeaways

CDLX earnings call: key takeaways

What CDLX said on its earnings call of November 5, 2026: results against expectations, what changed since last quarter, guidance and the questions analysts pressed on.

By Lician·November 5, 2026·AI-generated from the call transcript and Lician data

The company raised its Q4 guidance, expecting billings between $63 and $69 million. (13:17)

Results vs expectations

Metric	Consensus	Reported	Result
EPS	-$1.04	–	–
Revenue	$37.1M	–	–

What changed since last quarter

The company raised Q4 billings guidance to $63-$69 million, up from previous expectations. (13:17)
The company cited a one-time issue in the UK as the main cause of Q3 underperformance, which is expected to reverse. (16:31)
The company emphasized continued growth in CRP partnerships and expanding reach beyond banks. (19:46)

Guidance

Metric	This call	Previous call
Other	Q4 billings: $63–$69 million (13:17)	not captured
Revenue	Q4 revenue: $35–$39 million (13:17)	not captured
Other	Q4 adjusted contribution: $20–$20.23 million (13:17)	not captured
EBITDA	Q4 adjusted EBITDA: negative $1 million to positive $2 million (13:17)	not captured

What analysts pressed on

Whether the issues in the UK will impact future performance. (15:50)
How the company plans to address headwinds in the grocery and other verticals. (15:50)
How CRP differs from traditional bank partnerships in terms of data and targeting. (18:34)

In their words

We experienced some sluggishness in the third quarter, one of our bank partners in the UK had issues unrelated to us... Chris Chang (1:43)
We see free cash flow trending the right direction and converging closer to adjusted EBITDA going forward. (13:17)
The fundamentals haven't changed. The new advertisers coming onto the platform and the partners signing on tell us Cardlytics platform is delivering value... Amit Gupta (14:52)

Read the full transcript with the AI summary, or listen on the company's official webcast.

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Written by AI from the automatic transcript of the company's public webcast and Lician's earnings data. Each sentence cites the passage it comes from, and a sentence with a figure that is not in its sources was removed. Not investment advice.