Head-To-Head Review: Cardlytics (CDLX) & Mattersight (MATR)

Cardlytics (NASDAQ: CDLX) and Mattersight (NASDAQ:MATR) are both small-cap business services companies, but which is the superior investment? We will contrast the two businesses based on the strength of their risk, analyst recommendations, profitability, institutional ownership, valuation, earnings and dividends.

Insider & Institutional Ownership

43.3% of Mattersight shares are held by institutional investors. 28.4% of Mattersight shares are held by insiders. Strong institutional ownership is an indication that hedge funds, endowments and large money managers believe a company is poised for long-term growth.

Analyst Recommendations

This is a breakdown of recent ratings and price targets for Cardlytics and Mattersight, as provided by MarketBeat.com.

Sell Ratings Hold Ratings Buy Ratings Strong Buy Ratings Rating Score
Cardlytics 0 1 4 0 2.80
Mattersight 0 1 0 0 2.00

Cardlytics presently has a consensus target price of $22.40, indicating a potential upside of 36.34%. Mattersight has a consensus target price of $2.75, indicating a potential upside of 19.57%. Given Cardlytics’ stronger consensus rating and higher possible upside, research analysts clearly believe Cardlytics is more favorable than Mattersight.


This table compares Cardlytics and Mattersight’s net margins, return on equity and return on assets.

Net Margins Return on Equity Return on Assets
Cardlytics N/A N/A N/A
Mattersight -35.09% N/A -31.41%

Earnings and Valuation

This table compares Cardlytics and Mattersight’s top-line revenue, earnings per share and valuation.

Gross Revenue Price/Sales Ratio Net Income Earnings Per Share Price/Earnings Ratio
Cardlytics N/A N/A N/A N/A N/A
Mattersight $46.51 million 1.64 -$16.32 million ($0.56) -4.11

Cardlytics has higher earnings, but lower revenue than Mattersight.


Cardlytics beats Mattersight on 5 of the 8 factors compared between the two stocks.

About Cardlytics

Cardlytics, Inc. is engaged in developing a purchase intelligence platform. The Company delivers relevant and measurable marketing analysis with purchase data from over financial institutions. The purchase data includes debit, credit, and bill pay data from online and in-store transactions. It helps the marketers identify, reach and influence likely buyers at scale, and measure the impact of marketing spends. The Company also operates an advertising channel, Cardlytics Direct. Cardlytics Direct delivers tailored marketing for marketers and financial institutions (FI). It provides personalized offers and suggestions for FI consumers on their purchase.

About Mattersight

Mattersight Corporation offers behavioral analytics and provides personality-based software products. The Company uses various applications, including predictive behavioral routing, performance management, quality assurance and predictive analytics (collectively, Behavioral Analytics) to analyze and predict customer behavior based on the language exchanged between agents and customers during brand interactions. The Company operates through the Behavioral Analytics segment. Its multi-channel technology captures the unstructured data of voice interactions (conversations), related customer and employee data, and employee desktop activity, and applies various algorithms against those interactions. Its Behavioral Analytics offerings help its clients to identify optimal customer/employee behavioral pairing for call routing; identify and understand customer personality, and measure customer satisfaction and agent performance on every analyzed call, among others.

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