WallStSmart

Cardlytics Inc (CDLX)vsAlphabet Inc Class A (GOOGL)

VS

Smart Verdict

WallStSmart Research — data-driven comparison

Alphabet Inc Class A generates 172589% more annual revenue ($402.84B vs $233.27M). GOOGL leads profitability with a 32.8% profit margin vs -44.4%. GOOGL earns a higher WallStSmart Score of 70/100 (B).

CDLX

Avoid

29

out of 100

Grade: F

Growth: 2.0Profit: 2.0Value: 5.0Quality: 5.0

GOOGL

Strong Buy

70

out of 100

Grade: B

Growth: 8.7Profit: 10.0Value: 6.0Quality: 8.5
Piotroski: 4/9Altman Z: 3.91
IV

Intrinsic Value Comparison

Multi-model valuation · Graham Formula

Intrinsic value data unavailable for CDLX.

GOOGLUndervalued (+37.8%)

Margin of Safety

+37.8%

Fair Value

$618.76

Current Price

$384.80

$233.96 discount

UndervaluedFair: $618.76Overvalued

Key Strengths & Concerns

Side-by-side fundamental analysis

Key Strengths

CDLX0 strengths · Avg: 0/10

No standout strengths identified

GOOGL6 strengths · Avg: 10.0/10
Market CapQuality
$4.66T10/10

Mega-cap, among the largest globally

Return on EquityProfitability
35.7%10/10

Every $100 of equity generates 36 in profit

Profit MarginProfitability
32.8%10/10

Keeps 33 of every $100 in revenue as profit

Operating MarginProfitability
31.6%10/10

Strong operational efficiency at 31.6%

Free Cash FlowQuality
$10.12B10/10

Generating 10.1B in free cash flow

Altman Z-ScoreHealth
3.9110/10

Safe zone — low bankruptcy risk

Areas to Watch

CDLX4 concerns · Avg: 2.3/10
Market CapQuality
$51.22M3/10

Smaller company, higher risk/reward

Return on EquityProfitability
-326.0%2/10

ROE of -326.0% — below average capital efficiency

Revenue GrowthGrowth
-24.2%2/10

Revenue declined 24.2%

EPS GrowthGrowth
-56.7%2/10

Earnings declined 56.7%

GOOGL3 concerns · Avg: 3.3/10
P/E RatioValuation
29.3x4/10

Moderate valuation

Price/BookValuation
11.2x4/10

Trading at 11.2x book value

PEG RatioValuation
2.632/10

Expensive relative to growth rate

Comparative Analysis Report

WallStSmart Research

Bull Case : CDLX

CDLX has a balanced fundamental profile.

Bull Case : GOOGL

The strongest argument for GOOGL centers on Market Cap, Return on Equity, Profit Margin. Profitability is solid with margins at 32.8% and operating margin at 31.6%. Revenue growth of 18.0% demonstrates continued momentum.

Bear Case : CDLX

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

Bear Case : GOOGL

The primary concerns for GOOGL are P/E Ratio, Price/Book, PEG Ratio.

Key Dynamics to Monitor

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

GOOGL carries more volatility with a beta of 1.13 — expect wider price swings.

GOOGL is growing revenue faster at 18.0% — sustainability is the question.

GOOGL generates stronger free cash flow (10.1B), providing more financial flexibility.

Bottom Line

GOOGL scores higher overall (70/100 vs 29/100), backed by strong 32.8% margins and 18.0% 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 A

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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