What is Cardlytics, Inc.'s Shariah compliance score?

Cardlytics, Inc. (CDLX) has a Shariah compliance score of 0/100 (Grade: F, Non-Compliant). AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%.

Does Cardlytics, Inc. pass AAOIFI screening?

Cardlytics, Inc. (CDLX) does not pass AAOIFI Shariah screening. AAOIFI Standard No. 21 requires: (1) no primary involvement in prohibited activities like alcohol, gambling, or conventional banking, (2) debt-to-market-cap below 30%, (3) interest-bearing deposits below 30%, and (4) prohibited income below 5%. CDLX's debt-to-market-cap is 1392.6%.

How much purification is needed for Cardlytics, Inc.?

Muslim investors purify the portion of dividends and realized gains that comes from non-permissible income by donating it to charity. HalalScreener's purification calculator at halalscreener.app/en/purification computes the percentage and amount for Cardlytics, Inc. (CDLX) using the latest financial data.

Where can I screen Cardlytics, Inc. for Shariah compliance for free?

HalalScreener (halalscreener.app) offers free Shariah compliance screening for Cardlytics, Inc. (CDLX) and 8,200+ securities. US-listed stocks and ETFs are screened under AAOIFI Standard No. 21. Bursa Malaysia securities carry the Securities Commission Malaysia's official status. Coins are screened separately, under published scholarly opinion. The verdict is free, with no credit card or signup required for basic screening. The compliance grade, score, and debt ratio are free too; the full ratio breakdown is part of Pro.

CDLXNot HalalF

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Compliance Status

Not Halal

Screened on Oct 8, 2026 · AAOIFI Standard 21

Non-Compliant

0Score

Is Cardlytics, Inc. (CDLX) halal? Not Halal. Based on AAOIFI screening, Cardlytics, Inc. passes the business activity screen but fails financial ratio screens with a compliance score of 0/100 (Grade: F).

Quote this verdict

HalalScreener rates Cardlytics, Inc. (CDLX) Not Halal, 0/100, grade F under AAOIFI Standard 21, screened Oct 8, 2026. Source: https://halalscreener.app/en/stock/CDLX

AvoidBorderlineClean

Business activity

Its main business is permissible, with some incidental non-compliant revenue.

Passed

Company debt

Over the limit

How much the company borrows, compared to its total value. AAOIFI allows up to 30%.

1392.6% of 30.0% limit

PRO DETAIL

The verdict above is final and free.

Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.

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Screened according to AAOIFI Standard 21

What this means for you

Most scholars advise not holding CDLX

It does not pass AAOIFI Shariah screening.

See halal alternatives from the same sector further down this page

CDLX: Is Cardlytics, Inc. Halal?

Cardlytics, Inc.

NASDAQCommunication ServicesUS

$2.06

Market Cap: 12.0M

Screened on a market cap of 13.2M

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About Cardlytics, Inc.

Cardlytics, Inc. provides an advertising platform, operating in both the United States and the United Kingdom. Among its key offerings is the Cardlytics platform, a proprietary advertising channel integrated directly into banks' digital environments. This system allows marketers to engage customers through the vast networks of their financial institution partners, leveraging digital avenues such as online portals, mobile applications, email, and various real-time alerts. Furthermore, the company offers the Bridg platform, a comprehensive customer data solution that processes point-of-sale information. This enables marketers to conduct advanced analytics, implement highly targeted loyalty initiatives, and precisely evaluate the performance of their marketing efforts. Cardlytics, Inc. was founded in 2008 and is headquartered in Atlanta, Georgia.

Sector: Communication Services · Industry: Advertising Agencies

Why this does not pass

Interest-bearing debt is 1392.6% of market cap, over the 30% AAOIFI limit.
Interest-bearing deposits are over the 30% limit.

Screened under AAOIFI Standard 21. The exact figure behind this is part of Pro; the failing check and its limit are always free.

Shariah Compliance Status

AAOIFI Standard 21Updated Oct 8, 2026

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Institutional-grade Shariah analysis

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Business Activity Screen

Passed

Checks if the business is involved in prohibited activities (alcohol, gambling, pork, conventional banking, etc.)

Peripheral exposure (still halal, purify this share)

3.0%

Primary business is permissible. AAOIFI allows up to 5% revenue from incidental non-compliant sources, provided the share is purified.

•Estimated 3.0% of revenue from non-compliant sources. This is an average for Advertising Agencies, not a figure the company reports.

Use the Purification Calculator to compute exactly how much of your dividend income to donate.

PRO DETAIL

The verdict above is final and free.

Pro members can verify every number behind it: interest-bearing deposits, prohibited income breakdown, and the full AAOIFI math.

Card needed, nothing charged today

Screened according to AAOIFI Standard 21

Compliance History

Not Halal, unchanged since Aug 2026.

No status changes recorded since we began tracking.

Tracked since Aug 2026. Updates automatically on each re-screen.

Fiscal: Q2 2026Data source: EDGAR

Halal Alternatives in Communication Services

This stock is not Shariah-compliant. Here are halal alternatives from the same sector, ranked by compliance score:

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SBS Nexus Berhad

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EDHLA+

Everbright Digital Holding Limited Ordinary Shares

$5.21

TJGCA+

TJGC Group Limited

$33.28

YDKGA+

Yueda Digital Holding, Inc.

$0.86

SIFYA+

Sify Technologies Limited

$12.85

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Frequently Asked Questions

Is Cardlytics, Inc. (CDLX) halal to invest in?

Cardlytics, Inc. (CDLX) is rated Not Halal under AAOIFI Standard 21 screening. It fails either the business activity screen (primary involvement in prohibited sectors such as conventional banking, alcohol, or gambling) or one of the quantitative financial ratio thresholds. Muslim investors should avoid or exit this position.

Why did Cardlytics, Inc. get a F compliance rating?

Cardlytics, Inc. (CDLX) received a grade of F (Non-Compliant) based on three AAOIFI Standard 21 financial ratios: debt-to-market-cap of 1392.6% (limit 30%). The grade reflects the margin of safety across all three ratios relative to their thresholds.

What could change Cardlytics, Inc.'s Shariah verdict?

Cardlytics, Inc.'s verdict is re-evaluated at each annual re-screen. Three events could change it: (1) the debt-to-market-cap ratio crossing 30%, typically from new debt issuance or a major drop in share price; (2) interest-bearing deposits exceeding 30% of market cap; or (3) prohibited revenue (alcohol, gambling, conventional finance, etc.) exceeding 5% of total revenue. Verdict flips are tracked in the compliance history section above.

How often is Cardlytics, Inc. re-screened for Shariah compliance?

Cardlytics, Inc. (CDLX) is re-screened annually using the most recent full-year financial data from SEC filings. HalalScreener also triggers an on-demand re-screen whenever the stored data is more than 7 days old, ensuring the ratios reflect the latest available financial statements. Last screened: Oct 8, 2026.

Screened according to AAOIFI Standard No. 21 · For informational purposes only. Consult a qualified Islamic finance advisor before investing.

Disclaimer: This screening is for informational purposes only and does not constitute financial, legal, or religious advice. Compliance is evaluated using AAOIFI financial standards (debt, deposits, and prohibited income ratios) and publicly available data. Ethical, political, social, or environmental considerations are outside the scope of this screening. Individual scholars and methodologies may differ. Always consult a qualified Islamic finance advisor before making investment decisions.