vs
Side-by-side financial comparison of Cardlytics, Inc. (CDLX) and MEDALLION FINANCIAL CORP (MFIN). Click either name above to swap in a different company.
MEDALLION FINANCIAL CORP is the larger business by last-quarter revenue ($70.6M vs $50.9M, roughly 1.4× Cardlytics, Inc.). On growth, MEDALLION FINANCIAL CORP posted the faster year-over-year revenue change (25.4% vs -25.5%). Over the past eight quarters, MEDALLION FINANCIAL CORP's revenue compounded faster (15.0% CAGR vs -9.6%).
Cardlytics is a leading purchase intelligence and advertising platform that partners with major banks to analyze anonymized consumer transaction data. It delivers targeted, performance-driven ad campaigns for consumer brands, retailers and service providers, helping advertisers reach audiences based on real purchase behavior, with core operations across North America and the United Kingdom.
Mahindra & Mahindra Financial Services Limited (MMFSL) is an Indian rural non-banking financial company headquartered in Mumbai. It is amongst the top tractor financers in India, with 1000+ offices across the country.
CDLX vs MFIN — Head-to-Head
Income Statement — Q4 FY2025 vs Q4 FY2025
| Metric | | |
|---|---|---|
| Revenue | $50.9M | $70.6M |
| Net Profit | — | $12.2M |
| Gross Margin | — | — |
| Operating Margin | -12.0% | 29.3% |
| Net Margin | — | 17.3% |
| Revenue YoY | -25.5% | 25.4% |
| Net Profit YoY | — | 20.3% |
| EPS (diluted) | $-0.15 | $0.50 |
Green = leading value per metric. Periods may differ when fiscal calendars don't align.
8-Quarter Revenue & Profit Trend
Side-by-side quarterly history. Quarters aligned by calendar period so offset fiscal years line up.
| Q4 25 | $50.9M | $70.6M | ||
| Q3 25 | $47.0M | $58.7M | ||
| Q2 25 | $58.0M | $62.6M | ||
| Q1 25 | $56.4M | $63.0M | ||
| Q4 24 | $68.3M | $56.3M | ||
| Q3 24 | $61.1M | $53.3M | ||
| Q2 24 | $64.0M | $51.0M | ||
| Q1 24 | $62.2M | $53.3M |
| Q4 25 | — | $12.2M | ||
| Q3 25 | $-72.7M | $7.8M | ||
| Q2 25 | $-9.3M | $11.1M | ||
| Q1 25 | $-13.3M | $12.0M | ||
| Q4 24 | — | $10.1M | ||
| Q3 24 | $-145.2M | $8.6M | ||
| Q2 24 | $-4.3M | $7.1M | ||
| Q1 24 | $-24.3M | $10.0M |
| Q4 25 | -12.0% | 29.3% | ||
| Q3 25 | -146.6% | 33.2% | ||
| Q2 25 | -22.0% | 31.1% | ||
| Q1 25 | -24.9% | 32.1% | ||
| Q4 24 | -12.2% | 32.8% | ||
| Q3 24 | -243.1% | 26.6% | ||
| Q2 24 | -24.7% | 24.3% | ||
| Q1 24 | -36.7% | 33.6% |
| Q4 25 | — | 17.3% | ||
| Q3 25 | -154.7% | 13.2% | ||
| Q2 25 | -16.0% | 17.7% | ||
| Q1 25 | -23.5% | 19.1% | ||
| Q4 24 | — | 18.0% | ||
| Q3 24 | -237.6% | 16.1% | ||
| Q2 24 | -6.7% | 13.9% | ||
| Q1 24 | -39.0% | 18.8% |
| Q4 25 | $-0.15 | $0.50 | ||
| Q3 25 | $-1.36 | $0.32 | ||
| Q2 25 | $-0.18 | $0.46 | ||
| Q1 25 | $-0.26 | $0.50 | ||
| Q4 24 | $-0.36 | $0.43 | ||
| Q3 24 | $-2.90 | $0.37 | ||
| Q2 24 | $-0.09 | $0.30 | ||
| Q1 24 | $-0.56 | $0.42 |
Balance Sheet & Financial Strength
Snapshot of each company's liquidity, leverage and book value from the latest quarter.
| Metric | | |
|---|---|---|
| Cash + ST InvestmentsLiquidity on hand | $48.7M | $136.3M |
| Total DebtLower is stronger | $212.6M | $216.0M |
| Stockholders' EquityBook value | $-6.5M | $408.6M |
| Total Assets | $285.6M | $3.0B |
| Debt / EquityLower = less leverage | — | 0.53× |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $48.7M | $136.3M | ||
| Q3 25 | $44.0M | $72.5M | ||
| Q2 25 | $46.7M | $110.4M | ||
| Q1 25 | $52.0M | $131.5M | ||
| Q4 24 | $65.6M | $98.2M | ||
| Q3 24 | $67.0M | $120.6M | ||
| Q2 24 | $71.2M | $87.7M | ||
| Q1 24 | $97.8M | $54.8M |
| Q4 25 | $212.6M | $216.0M | ||
| Q3 25 | $214.6M | $215.7M | ||
| Q2 25 | $214.3M | $199.9M | ||
| Q1 25 | $213.9M | $199.7M | ||
| Q4 24 | $213.6M | $232.2M | ||
| Q3 24 | $213.2M | $232.0M | ||
| Q2 24 | $212.9M | $230.8M | ||
| Q1 24 | $257.9M | $225.6M |
| Q4 25 | $-6.5M | $408.6M | ||
| Q3 25 | $-4.7M | $397.4M | ||
| Q2 25 | $58.7M | $389.9M | ||
| Q1 25 | $64.1M | $380.2M | ||
| Q4 24 | $70.0M | $370.2M | ||
| Q3 24 | $69.7M | $362.4M | ||
| Q2 24 | $210.0M | $354.0M | ||
| Q1 24 | $199.1M | $349.0M |
| Q4 25 | $285.6M | $3.0B | ||
| Q3 25 | $292.8M | $2.9B | ||
| Q2 25 | $361.1M | $2.9B | ||
| Q1 25 | $369.1M | $2.8B | ||
| Q4 24 | $392.7M | $2.9B | ||
| Q3 24 | $399.4M | $2.9B | ||
| Q2 24 | $534.4M | $2.8B | ||
| Q1 24 | $569.0M | $2.6B |
| Q4 25 | — | 0.53× | ||
| Q3 25 | — | 0.54× | ||
| Q2 25 | 3.65× | 0.51× | ||
| Q1 25 | 3.34× | 0.53× | ||
| Q4 24 | 3.05× | 0.63× | ||
| Q3 24 | 3.06× | 0.64× | ||
| Q2 24 | 1.01× | 0.65× | ||
| Q1 24 | 1.29× | 0.65× |
Cash Flow & Capital Efficiency
How much cash each business actually produces after reinvestment. Cash flow is harder to manipulate than net income.
| Metric | | |
|---|---|---|
| Operating Cash FlowLast quarter | $13.0M | $126.3M |
| Free Cash FlowOCF − Capex | $13.0M | — |
| FCF MarginFCF / Revenue | 25.5% | — |
| Capex IntensityCapex / Revenue | 0.0% | — |
| Cash ConversionOCF / Net Profit | — | 10.35× |
| TTM Free Cash FlowTrailing 4 quarters | $8.8M | — |
8-quarter trend — quarters aligned by calendar period.
| Q4 25 | $13.0M | $126.3M | ||
| Q3 25 | $1.8M | $67.0M | ||
| Q2 25 | $1.2M | $-10.7M | ||
| Q1 25 | $-6.7M | $36.3M | ||
| Q4 24 | $3.0M | $108.7M | ||
| Q3 24 | $1.4M | $24.6M | ||
| Q2 24 | $4.4M | $27.6M | ||
| Q1 24 | $-17.6M | $32.3M |
| Q4 25 | $13.0M | — | ||
| Q3 25 | $1.7M | — | ||
| Q2 25 | $903.0K | — | ||
| Q1 25 | $-6.8M | — | ||
| Q4 24 | $2.9M | — | ||
| Q3 24 | $878.0K | — | ||
| Q2 24 | $4.1M | — | ||
| Q1 24 | $-18.3M | — |
| Q4 25 | 25.5% | — | ||
| Q3 25 | 3.7% | — | ||
| Q2 25 | 1.6% | — | ||
| Q1 25 | -12.1% | — | ||
| Q4 24 | 4.2% | — | ||
| Q3 24 | 1.4% | — | ||
| Q2 24 | 6.5% | — | ||
| Q1 24 | -29.4% | — |
| Q4 25 | 0.0% | — | ||
| Q3 25 | 0.0% | — | ||
| Q2 25 | 0.6% | — | ||
| Q1 25 | 0.2% | — | ||
| Q4 24 | 0.2% | — | ||
| Q3 24 | 0.8% | — | ||
| Q2 24 | 0.4% | — | ||
| Q1 24 | 1.0% | — |
| Q4 25 | — | 10.35× | ||
| Q3 25 | — | 8.63× | ||
| Q2 25 | — | -0.97× | ||
| Q1 25 | — | 3.02× | ||
| Q4 24 | — | 10.72× | ||
| Q3 24 | — | 2.86× | ||
| Q2 24 | — | 3.89× | ||
| Q1 24 | — | 3.22× |
Financial Flow Comparison
Revenue → gross profit → operating profit → net profit for each company.
