WallStSmart

Cardlytics Inc (CDLX)vsAlphabet Inc Class C (GOOG)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Alphabet Inc Class C generates 199987% more annual revenue ($422.50B vs $211.16M). GOOG leads profitability with a 37.9% profit margin vs -44.8%. GOOG earns a higher WallStSmart Score of 75/100 (B).

CDLX

Avoid

25

out of 100

Grade: F

Growth: 2.0Profit: 2.0Value: 5.0Quality: 6.5
Piotroski: 5/9Altman Z: -6.89

GOOG

Strong Buy

75

out of 100

Grade: B

Growth: 8.7Profit: 9.5Value: 6.7Quality: 8.5
Piotroski: 4/9Altman Z: 3.91
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CDLX.

GOOGUndervalued (+27.3%)

Margin of Safety

+27.3%

Fair Value

$449.28

Current Price

$335.76

$113.52 discount

UndervaluedFair: $449.28Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CDLX1 strengths · Avg: 10.0/10
Debt/EquityHealth
-52.4710/10

Conservative balance sheet, low leverage

GOOG6 strengths · Avg: 10.0/10
Market CapQuality
$4.17T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
38.1%10/10

Every $100 of equity generates 38 in profit

Profit MarginProfitability
37.9%10/10

Keeps 38 of every $100 in revenue as profit

Operating MarginProfitability
36.1%10/10

Strong operational efficiency at 36.1%

EPS GrowthGrowth
82.0%10/10

Earnings expanding 82.0% YoY

Altman Z-ScoreHealth
3.9110/10

Safe zone — low bankruptcy risk

Areas to Watch

CDLX4 concerns · Avg: 2.3/10
Market CapQuality
$22.36M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-356.0%2/10

ROE of -356.0% — below average capital efficiency

Revenue GrowthGrowth
-39.2%2/10

Revenue declined 39.2%

EPS GrowthGrowth
-56.7%2/10

Earnings declined 56.7%

GOOG3 concerns · Avg: 3.3/10
P/E RatioValuation
26.4x4/10

Moderate valuation

Price/BookValuation
8.5x4/10

Trading at 8.5x book value

Free Cash FlowQuality
$-5.86B2/10

Negative free cash flow — burning cash

Comparative Analysis Report

WallStSmart Research

Bull Case : CDLX

The strongest argument for CDLX centers on Debt/Equity.

Bull Case : GOOG

The strongest argument for GOOG centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 37.9% and operating margin at 36.1%. Revenue growth of 21.8% demonstrates continued momentum.

Bear Case : CDLX

The primary concerns for CDLX are Market Cap, Return on Equity, Revenue Growth.

Bear Case : GOOG

The primary concerns for GOOG are P/E Ratio, Price/Book, Free Cash Flow.

Key Dynamics to Monitor

CDLX profiles as a turnaround stock while GOOG is a growth play — different risk/reward profiles.

GOOG carries more volatility with a beta of 1.25 — expect wider price swings.

GOOG is growing revenue faster at 21.8% — sustainability is the question.

CDLX generates stronger free cash flow (-8M), providing more financial flexibility.

Bottom Line

GOOG scores higher overall (75/100 vs 25/100), backed by strong 37.9% margins and 21.8% revenue growth. Both earn "Strong Buy" and "Avoid" ratings respectively — the choice depends on your investment horizon and risk tolerance.

This analysis is generated from publicly available financial data. Not financial advice.

Cardlytics Inc

COMMUNICATION SERVICES · ADVERTISING AGENCIES · USA

Cardlytics, Inc. operates an advertising platform within financial institutions' digital channels including online, mobile, email, and various real-time notifications in the United States and the United Kingdom. The company is headquartered in Atlanta, Georgia.

Alphabet Inc Class C

COMMUNICATION SERVICES · INTERNET CONTENT & INFORMATION · USA

Alphabet Inc. is an American multinational conglomerate headquartered in Mountain View, California. It was created through a restructuring of Google on October 2, 2015, and became the parent company of Google and several former Google subsidiaries. The two co-founders of Google remained as controlling shareholders, board members, and employees at Alphabet. Alphabet is the world's fourth-largest technology company by revenue and one of the world's most valuable companies.

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