Card Factory (CARD) Stock Overview
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. More details
| Snowflake Score | |
|---|---|
| Valuation | 5/6 |
| Future Growth | 1/6 |
| Past Performance | 2/6 |
| Financial Health | 4/6 |
| Dividends | 4/6 |
CARD Community Fair Values
Create NarrativeSee what 52 others think this stock is worth. Follow their fair value or set your own to get alerts.
Analyst Price Targets
Card Factory plc Competitors
Price History & Performance
| Historical stock prices | |
|---|---|
| Current Share Price | UK£0.67 |
| 52 Week High | UK£1.16 |
| 52 Week Low | UK£0.58 |
| Beta | 1.25 |
| 1 Month Change | 0.75% |
| 3 Month Change | -7.18% |
| 1 Year Change | -29.63% |
| 3 Year Change | -29.11% |
| 5 Year Change | -1.47% |
| Change since IPO | -66.57% |
Recent News & Updates
Narrative Update • May 23
CARD: Reset Expectations Will Support Future Upside Despite Softer European Retail Data
Narrative Update Analysts have reduced their fair value estimate for Card Factory from about £1.60 to around £1.11, and have also cut their price target from £1.10 to £0.80, citing more cautious earnings expectations following weaker European retail sector data. Analyst Commentary Recent research has shifted to a more cautious stance on Card Factory, with the rating cut to Hold and the price target reduced from £1.10 to £0.80.
Narrative Update • May 07
CARD: Future Returns Will Depend On Stable Margins And Cautious Revenue Expectations
Analysts have trimmed their price target on Card Factory to £0.75. This reflects slightly more cautious assumptions on revenue growth and profit margins, alongside a modest adjustment to the discount rate and future P/E expectations.Recent updates
Narrative Update • May 23
CARD: Reset Expectations Will Support Future Upside Despite Softer European Retail Data
Narrative Update Analysts have reduced their fair value estimate for Card Factory from about £1.60 to around £1.11, and have also cut their price target from £1.10 to £0.80, citing more cautious earnings expectations following weaker European retail sector data. Analyst Commentary Recent research has shifted to a more cautious stance on Card Factory, with the rating cut to Hold and the price target reduced from £1.10 to £0.80.Narrative Update • May 07
CARD: Future Returns Will Depend On Stable Margins And Cautious Revenue Expectations
Analysts have trimmed their price target on Card Factory to £0.75. This reflects slightly more cautious assumptions on revenue growth and profit margins, alongside a modest adjustment to the discount rate and future P/E expectations.Analysis Article • May 05
Some Investors May Be Willing To Look Past Card Factory's (LON:CARD) Soft Earnings
The market for Card Factory plc's ( LON:CARD ) shares didn't move much after it posted weak earnings recently. Our...Narrative Update • Apr 22
CARD: Future Returns Will Rely On Steady Margins And Modest Growth Assumptions
Analysts have kept Card Factory's fair value unchanged at £0.75 per share, explaining the steady price target as a balance of slightly adjusted assumptions on discount rate, revenue growth, profit margin and future P/E that broadly offset one another. Valuation Changes Fair Value: Kept unchanged at £0.75 per share, reflecting no revision to the overall valuation anchor.Narrative Update • Apr 08
CARD: Future Returns Will Rely On Stable Margins And Revenue Expectations
Card Factory's analyst price target has been restated at £0.75 per share, with analysts citing slightly adjusted assumptions for discount rate, revenue growth, profit margin and future P/E as the basis for the unchanged valuation. Valuation Changes Fair Value: unchanged at £0.75 per share, indicating the latest inputs leave the overall valuation level the same.
Narrative Update • Mar 24
CARD: Stable Fair Value And Refined Assumptions Will Support Future Upside Potential
Analysts have maintained their fair value estimate for Card Factory at £1.70. Small adjustments to assumptions on the discount rate, revenue growth, profit margin and future P/E have resulted in an unchanged overall price target.Narrative Update • Mar 08
CARD: Refined Discount And P/E Assumptions Will Support Future Upside Potential
Analysts have trimmed their price target for Card Factory by £0.02 to reflect slightly lower assumed discount rates and a minor adjustment to long term P/E expectations, while keeping fair value estimates and core growth and margin assumptions broadly unchanged. Valuation Changes Fair Value: £1.70 per share is unchanged, with analysts maintaining their central estimate.Narrative Update • Feb 22
CARD: Fair Value View Will Balance Margin Risks And Revenue Potential
Analysts have trimmed their price target on Card Factory by £0.25 to reflect slightly lower profit margin assumptions, partly offset by modestly higher revenue growth expectations and a small adjustment to the discount rate and forward P/E they apply. Valuation Changes Fair Value: unchanged at £0.75, with no adjustment to the central valuation estimate.Narrative Update • Feb 08
CARD: Revised Assumptions Will Support Future Upside Potential From Current Levels
Analysts have nudged their price target for Card Factory to £1.70, reflecting updated assumptions around discount rates, revenue growth, profit margins and future P/E that together suggest a slightly refined risk and return profile for the shares. Valuation Changes Fair Value: The fair value estimate remains unchanged at £1.70 per share.Narrative Update • Jan 25
CARD: Share Buybacks Will Drive Future Upside Potential
Analysts have trimmed their price target on Card Factory to £1.70, with the change linked to updated assumptions on discount rate, revenue growth, profit margin and future P/E that now sit slightly differently compared with prior estimates. What's in the News The Board of Directors of Card Factory plc approved a share buyback plan on October 30, 2025, indicating an intention to return capital through repurchases over time (Key Developments).Narrative Update • Jan 11
CARD: Share Buyback Plan Will Support Bullish Long Term Upside Potential
Analysts have trimmed their price target on Card Factory by around 25%, citing updated fair value, a higher discount rate, and more cautious assumptions for revenue growth and profit margins, while keeping future P/E expectations broadly in line with prior views. What's in the News The Board of Directors approved a share buyback plan on October 30, 2025, indicating an intention to return capital through repurchases over time (Key Developments).Narrative Update • Dec 27
CARD: Share Buybacks And Dividend Increases Will Drive Future Upside Potential
Analysts have trimmed their price target for Card Factory from £1.85 to £1.70, citing more conservative assumptions for revenue growth and profit margins, partly offset by a modestly higher expected future price to earnings multiple. What's in the News On October 30, 2025, the Board authorized a new share buyback plan for Card Factory plc, which signals confidence in the company’s capital position (Key Developments).Analysis Article • Dec 14
Card Factory plc (LON:CARD) Looks Inexpensive After Falling 28% But Perhaps Not Attractive Enough
Unfortunately for some shareholders, the Card Factory plc ( LON:CARD ) share price has dived 28% in the last thirty...Narrative Update • Dec 13
CARD: Share Buyback And Dividend Policy Will Support Future Upside Potential
Analysts have trimmed their price target on Card Factory from £2.15 to £1.85, citing a higher required discount rate and slightly lower margin expectations, despite upgraded revenue growth forecasts. What's in the News The board has authorized a share buyback plan for Card Factory plc, signaling confidence in the company’s valuation (Key Developments).Analysis Article • Oct 28
Card Factory's (LON:CARD) Dividend Will Be £0.013
The board of Card Factory plc ( LON:CARD ) has announced that it will pay a dividend on the 12th of December, with...Analysis Article • Oct 03
Card Factory (LON:CARD) Will Pay A Dividend Of £0.013
Card Factory plc ( LON:CARD ) has announced that it will pay a dividend of £0.013 per share on the 12th of December...
New Narrative • Mar 11
Partnerships With Aldi And Just Eat Will Expand US Market Presence
U.S. expansion and Aldi partnership expected to significantly boost revenue and market penetration through new consumer bases.Analysis Article • Dec 13
A Piece Of The Puzzle Missing From Card Factory plc's (LON:CARD) 27% Share Price Climb
Card Factory plc ( LON:CARD ) shareholders are no doubt pleased to see that the share price has bounced 27% in the last...Analysis Article • Dec 12
We Think Card Factory (LON:CARD) Can Stay On Top Of Its Debt
The external fund manager backed by Berkshire Hathaway's Charlie Munger, Li Lu, makes no bones about it when he says...Analysis Article • Oct 09
Card Factory plc (LON:CARD) Might Not Be As Mispriced As It Looks After Plunging 26%
Card Factory plc ( LON:CARD ) shareholders won't be pleased to see that the share price has had a very rough month...Analysis Article • Sep 21
Returns On Capital At Card Factory (LON:CARD) Have Hit The Brakes
What trends should we look for it we want to identify stocks that can multiply in value over the long term? One common...Analysis Article • Aug 16
Card Factory plc (LON:CARD) Held Back By Insufficient Growth Even After Shares Climb 28%
The Card Factory plc ( LON:CARD ) share price has done very well over the last month, posting an excellent gain of 28...Analysis Article • Jul 24
Does Card Factory (LON:CARD) Have A Healthy Balance Sheet?
David Iben put it well when he said, 'Volatility is not a risk we care about. What we care about is avoiding the...Analysis Article • Jun 14
Shareholders May Not Be So Generous With Card Factory plc's (LON:CARD) CEO Compensation And Here's Why
Key Insights Card Factory will host its Annual General Meeting on 20th of June CEO Darcy Willson-Rymer's total...Analysis Article • Aug 08
Card Factory (LON:CARD) Has More To Do To Multiply In Value Going Forward
If we want to find a potential multi-bagger, often there are underlying trends that can provide clues. One common...Analysis Article • Apr 13
Is Card Factory plc (LON:CARD) Worth UK£1.0 Based On Its Intrinsic Value?
Key Insights Using the 2 Stage Free Cash Flow to Equity, Card Factory fair value estimate is UK£0.71 Card Factory is...Analysis Article • Jan 10
Returns On Capital At Card Factory (LON:CARD) Paint A Concerning Picture
When it comes to investing, there are some useful financial metrics that can warn us when a business is potentially in...Analysis Article • Sep 13
Should You Investigate Card Factory plc (LON:CARD) At UK£0.46?
While Card Factory plc ( LON:CARD ) might not be the most widely known stock at the moment, it saw a double-digit share...Analysis Article • Jul 23
Is There An Opportunity With Card Factory plc's (LON:CARD) 41% Undervaluation?
Does the July share price for Card Factory plc ( LON:CARD ) reflect what it's really worth? Today, we will estimate the...Analysis Article • Jun 15
Card Factory (LON:CARD) Has A Somewhat Strained Balance Sheet
Warren Buffett famously said, 'Volatility is far from synonymous with risk.' It's only natural to consider a company's...Shareholder Returns
| CARD | GB Specialty Retail | GB Market | |
|---|---|---|---|
| 7D | -5.4% | 3.5% | -0.3% |
| 1Y | -29.6% | -3.9% | 18.3% |
Return vs Industry: CARD underperformed the UK Specialty Retail industry which returned -3.5% over the past year.
Return vs Market: CARD underperformed the UK Market which returned 19.1% over the past year.
Price Volatility
| CARD volatility | |
|---|---|
| CARD Average Weekly Movement | 5.0% |
| Specialty Retail Industry Average Movement | 6.0% |
| Market Average Movement | 5.7% |
| 10% most volatile stocks in GB Market | 11.8% |
| 10% least volatile stocks in GB Market | 3.1% |
Stable Share Price: CARD has not had significant price volatility in the past 3 months compared to the UK market.
Volatility Over Time: CARD's weekly volatility (5%) has been stable over the past year.
About the Company
| Founded | Employees | CEO | Website |
|---|---|---|---|
| 1992 | 9,266 | Darcy Willson-Rymer | www.cardfactoryinvestors.com |
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. It operates through four segments: Stores, Digital, Wholesale partnerships, and Printcraft. The company offers greeting cards and gifts through cardfactory stores, cardfactory online, and network of third-party retail partners; and personalised cards and gifts through online retailer, as well as manufacture and sell greeting cards and personalised gifts through its stores and digital businesses.
Card Factory plc Fundamentals Summary
| CARD fundamental statistics | |
|---|---|
| Market cap | UK£231.48m |
| Earnings (TTM) | UK£31.20m |
| Revenue (TTM) | UK£582.70m |
7.4x
P/E Ratio0.4x
P/S RatioIs CARD overvalued?
See Fair Value and valuation analysisEarnings & Revenue
| CARD income statement (TTM) | |
|---|---|
| Revenue | UK£582.70m |
| Cost of Revenue | UK£389.50m |
| Gross Profit | UK£193.20m |
| Other Expenses | UK£162.00m |
| Earnings | UK£31.20m |
Last Reported Earnings
Jan 31, 2026
Next Earnings Date
Sep 29, 2026
| Earnings per share (EPS) | 0.091 |
| Gross Margin | 33.16% |
| Net Profit Margin | 5.35% |
| Debt/Equity Ratio | 24.1% |
How did CARD perform over the long term?
See historical performance and comparisonDividends
7.4%
Current Dividend Yield56%
Payout RatioDoes CARD pay a reliable dividends?
See CARD dividend history and benchmarks| Card Factory dividend dates | |
|---|---|
| Ex Dividend Date | May 28 2026 |
| Dividend Pay Date | Jul 03 2026 |
| Days until Ex dividend | 2 days |
| Days until Dividend pay date | 34 days |
Does CARD pay a reliable dividends?
See CARD dividend history and benchmarksCompany Analysis and Financial Data Status
| Data | Last Updated (UTC time) |
|---|---|
| Company Analysis | 2026/05/29 00:20 |
| End of Day Share Price | 2026/05/29 00:00 |
| Earnings | 2026/01/31 |
| Annual Earnings | 2026/01/31 |
Data Sources
The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.
| Package | Data | Timeframe | Example US Source * |
|---|---|---|---|
| Company Financials | 10 years |
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| Analyst Consensus Estimates | +3 years |
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| Market Prices | 30 years |
| |
| Ownership | 10 years |
| |
| Management | 10 years |
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| Key Developments | 10 years |
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* Example for US securities, for non-US equivalent regulatory forms and sources are used.
Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more.
Analysis Model and Snowflake
Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.
Learn about the world class team who designed and built the Simply Wall St analysis model.
Industry and Sector Metrics
Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.
Analyst Sources
Card Factory plc is covered by 10 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.
| Analyst | Institution |
|---|---|
| Adam Tomlinson | Berenberg |
| Mark Photiades | Canaccord Genuity |
| Russell Pointon | Edison Investment Research |