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Card Factory plc
CARD.L: LSELowest reading is at 18 out of 100. All scores are out of 100.
In Short
About The Company
CEO
Mr. Darcy Willson-Rymer
Market Cap
236.73 Million GBp
Sector
Consumer Cyclical
Website
https://www.cardfactoryinvestors.comLast Update
28/09/2026, 03:26:13
Description
Card Factory plc operates as a specialist retailer of cards, gifts, and celebration essentials in the United Kingdom, South Africa, Republic of Ireland, the United States, and internationally.
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Strongest readings
- ✔Estimated fair value sits 61.89% above the current price
- ✔Price-to-earnings of 8.0 is below the market average of 19.6
- ✔Debt is low at 0.59 times equity
- ✔Return on capital employed of 10.85% is above the market average of 10.00%
Weakest readings
- ✘Revenue is growing at 7.41% per year while free cashflow is falling
- ✘Earnings and cashflow growth is weak (growth score 18 out of 100)
- ✘Returns on capital have declined over five years (4.14% lower)
- ✘Short-term liabilities exceed short-term assets (current ratio 0.89)
- ✘Share count has been rising at 0.57% per year
Key Figures
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings (TTM) | 7.96x | 19.60x | |
| ✔ | Margin of safety (DCF) | 61.89% | 17.95% | |
| ✘ | Revenue growth (5y average) | 7.41% | 10.97% | |
| ✔ | Dividend yield (TTM) | 7.27% | 1.85% | |
| ✘ | Share count, per year | 0.57% | 0.00% | |
| ✔ | Return on capital employed | 10.85% | 10.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Valuation
85 / 100Priced at or below the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Price / earnings | 7.96x | 19.60x | |
| ✔ | Free cashflow yield | 38.40% | 4.70% | |
| Price / earnings growth | N/A | 1.50x | ||
| Price / book | 66.93x | — | ||
| ✔ | Margin of safety | 61.89% | 17.95% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✔Estimated intrinsic value of 115.92 GBp is above the current price of 71.60 GBp
Desired Margin Of Safety
0%
▼
Tip: Set your desired Margin Of Safety
Free Cash Flow Type
Annual Cashflow Growth
0%
Discount Rate
0%
Estimated Fair Value: 3.6 GBp ✘
Current Price: 71.6 GBp
How Does This Work?
Show Advanced Options
This calculator helps investors estimate the Intrinsic Value of a company based on the current value of future cash flows. To use the tool, simply input a desired Margin Of Safety, which is an additional discount applied to the present value of the expected future cash flows. The tool calculates the present value using a discount rate that reflects the risk and time value of money, and provides an estimated fair value for the company based on the selected margin of safety. The calculator defaults to using 5 Year Free Cash Flow Growth % and a discount rate based on the US 10-year treasury bond coupon rate. Use our performance analyser to get a feel for the impact this has on longterm investment returns and find a margin of safety you are comfortable with.
Growth
18 / 100Growing more slowly than the market on most measures.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Revenue growth | 7.41% | 10.97% | |
| ✘ | Earnings growth | -4.17% | 14.48% | |
| ✘ | Cashflow growth | -5.26% | 12.35% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘Revenue is growing at 7.41% per year while free cashflow is falling at 5.26% per year
Health
46 / 100Balance sheet is stretched on several measures.
Measured on Leverage and capital, Funding and liquidity, Earnings quality.
| Status | Metric | Value | Reading | Threshold |
|---|---|---|---|---|
| ✘ | Altman-Z score | 1.48 | 3.00 | |
| ✘ | Piotroski score | 4.00 | 5.00 | |
| ✔ | Debt / equity | 0.59x | 0.80x | |
| ✘ | Current ratio | 0.89x | 1.00x | |
| ✔ | Interest coverage | 3.89x | 2.50x | |
| ✔ | Free cashflow / debt | 0.44x | 0.15x | |
| ✔ | Debt / capital | 0.37x | 1.00x |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Dividend
56 / 100Covered, with limited headroom.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✔ | Dividend yield | 7.27% | 1.85% | |
| ✘ | Dividend growth | -13.13% | 0.00% | |
| ✘ | Payout ratio (earnings) | 55.13% | 40.00% | |
| ✔ | Payout ratio (cashflow) | 18.92% | 65.00% | |
| Worst year, last 5 years | N/A | -2.00% |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Management
70 / 100Returns on capital are at or above the market.
| Status | Metric | Value | Reading | Market avg |
|---|---|---|---|---|
| ✘ | Return on equity | 8.82% | 15.00% | |
| ✔ | Return on capital employed | 10.85% | 10.00% | |
| Return on assets | 4.72% | — | ||
| Free cashflow return on capital | 16.69% | — | ||
| ✘ | Return on capital, 5y change | -4.14% | 0.00% | |
| ✘ | Share count, per year | 0.57% | 0.00% | |
| ✔ | Share count, recent | -5.05% | 0.00% | |
| Realized buyback return | N/A | 0.00% | ||
| ✔ | Goodwill erosion / equity | 0.00% | 2.00% | |
| Price volatility, 5 year | 39.38% | — |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
- ✘New shares were issued while the value score was 85 out of 100
- ✔Dividends were reduced when earnings fell (dividend -13.13% per year, earnings -4.17% per year)
Analysts
not enough data| Status | Metric | Value | Reading | Neutral |
|---|---|---|---|---|
| Analyst opinion score | N/A | 50 |
The bar shows how good a reading is, so a longer bar is always better. The tick marks the benchmark.
Financial History
Annual figures across the full reporting history we hold.
Market Peers
CARD.L
SEC Filings
Find yearly (10-K), quaterly (10-Q) and disclosure (8-K) report here, on the Securities and Exchange Commission's EDGAR database. If reading through reports isn't your cup of tea, don't worry. We've made it easy for you by summarizing all the important bits.
See 35+ Years Annual ReportsOther Information
Company Name
Card Factory plc
Currency
GBp
Beta
1.286
Vol Avg
1156775
Ceo
Mr. Darcy Willson-Rymer
Cik
Cusip
Exchange
LSE
Full Time Employees
8366
Industry
Specialty Retail
Sector
Consumer Cyclical
Ipo Date
Address
Century House
City
Wakefield
State
Country
United Kingdom
Zip
WF2 0XG
Phone
44 19 2483 9150
Analysis Last Updated
28/09/2026, 03:26:13
Financial data compiled from SEC EDGAR filings and Yahoo Finance.