Card Factory plc operates as a specialist retailer of greeting cards in the United Kingdom. More Details
Good value with reasonable growth potential.
Share Price & News
How has Card Factory's share price performed over time and what events caused price changes?
Latest Share Price and Events
Stable Share Price: CARD is more volatile than 90% of UK stocks over the past 3 months, typically moving +/- 14% a week.
Volatility Over Time: CARD's weekly volatility (14%) has been stable over the past year, but is still higher than 75% of UK stocks.
7 Day Return
GB Specialty Retail
1 Year Return
GB Specialty Retail
Return vs Industry: CARD underperformed the UK Specialty Retail industry which returned 104.7% over the past year.
Return vs Market: CARD exceeded the UK Market which returned 28.9% over the past year.
Long-Term Price Volatility Vs. Market
How volatile is Card Factory's share price compared to the market and industry in the last 5 years?
Simply Wall St News
3 weeks ago | Simply Wall StIs There Now An Opportunity In Card Factory plc (LON:CARD)?
1 month ago | Simply Wall StA Look At The Fair Value Of Card Factory plc (LON:CARD)
2 months ago | Simply Wall StWe Think Card Factory's (LON:CARD) Statutory Profit Might Understate Its Earnings Potential
Is Card Factory undervalued compared to its fair value and its price relative to the market?
Price to Earnings (PE) ratio
Share Price vs. Fair Value
Below Fair Value: CARD (£0.81) is trading above our estimate of fair value (£0.71)
Significantly Below Fair Value: CARD is trading above our estimate of fair value.
Price To Earnings Ratio
PE vs Industry: CARD is good value based on its PE Ratio (19.2x) compared to the GB Specialty Retail industry average (20.7x).
PE vs Market: CARD is good value based on its PE Ratio (19.2x) compared to the UK market (25.9x).
Price to Earnings Growth Ratio
PEG Ratio: CARD is good value based on its PEG Ratio (0.2x)
Price to Book Ratio
PB vs Industry: CARD is good value based on its PB Ratio (1.4x) compared to the GB Specialty Retail industry average (2.2x).
How is Card Factory forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CARD's forecast earnings growth (80.1% per year) is above the savings rate (1%).
Earnings vs Market: CARD's earnings (80.1% per year) are forecast to grow faster than the UK market (17.5% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: CARD's revenue (16.9% per year) is forecast to grow faster than the UK market (6.3% per year).
High Growth Revenue: CARD's revenue (16.9% per year) is forecast to grow slower than 20% per year.
Earnings per Share Growth Forecasts
Future Return on Equity
Future ROE: CARD's Return on Equity is forecast to be low in 3 years time (11.6%).
How has Card Factory performed over the past 5 years?
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CARD has high quality earnings.
Growing Profit Margin: CARD's current net profit margins (4%) are lower than last year (11.1%).
Past Earnings Growth Analysis
Earnings Trend: CARD's earnings have declined by 11.2% per year over the past 5 years.
Accelerating Growth: CARD's has had negative earnings growth over the past year, so it can't be compared to its 5-year average.
Earnings vs Industry: CARD had negative earnings growth (-70.9%) over the past year, making it difficult to compare to the Specialty Retail industry average (-5.7%).
Return on Equity
High ROE: CARD's Return on Equity (7.1%) is considered low.
How is Card Factory's financial position?
Financial Position Analysis
Short Term Liabilities: CARD's short term assets (£102.6M) do not cover its short term liabilities (£105.3M).
Long Term Liabilities: CARD's short term assets (£102.6M) do not cover its long term liabilities (£280.1M).
Debt to Equity History and Analysis
Debt Level: CARD's debt to equity ratio (86.8%) is considered high.
Reducing Debt: CARD's debt to equity ratio has increased from 43.2% to 86.8% over the past 5 years.
Debt Coverage: CARD's debt is well covered by operating cash flow (58.1%).
Interest Coverage: CARD's interest payments on its debt are well covered by EBIT (3.4x coverage).
What is Card Factory current dividend yield, its reliability and sustainability?
Forecast Dividend Yield
Dividend Yield vs Market
Notable Dividend: Unable to evaluate CARD's dividend yield against the bottom 25% of dividend payers, as the company has not reported any recent payouts.
High Dividend: Unable to evaluate CARD's dividend yield against the top 25% of dividend payers, as the company has not reported any recent payouts.
Stability and Growth of Payments
Stable Dividend: Insufficient data to determine if CARD's dividends per share have been stable in the past.
Growing Dividend: Insufficient data to determine if CARD's dividend payments have been increasing.
Current Payout to Shareholders
Dividend Coverage: CARD is not paying a notable dividend for the UK market.
Future Payout to Shareholders
Future Dividend Coverage: No need to calculate the sustainability of CARD's dividend in 3 years as they are not forecast to pay a notable one for the UK market.
How experienced are the management team and are they aligned to shareholders interests?
Average management tenure
Mr. Darcy Willson-Rymer has been Chief Executive Officer and Director of Card Factory plc since March 08, 2021. He serves as the Chief Executive Officer at Costcutter Supermarkets Group Limited. Mr. Willso...
Experienced Management: CARD's management team is considered experienced (3.8 years average tenure).
Experienced Board: CARD's board of directors are considered experienced (3.3 years average tenure).
Who are the major shareholders and have insiders been buying or selling?
Insider Trading Volume
Insider Buying: Insufficient data to determine if insiders have bought more shares than they have sold in the past 3 months.
Recent Insider Transactions
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Card Factory plc's company bio, employee growth, exchange listings and data sources
- Name: Card Factory plc
- Ticker: CARD
- Exchange: LSE
- Founded: 1997
- Industry: Specialty Stores
- Sector: Retail
- Market Cap: UK£276.371m
- Shares outstanding: 341.63m
- Website: https://www.cardfactoryinvestors.com
Number of Employees
- Card Factory plc
- Century House
- Brunel Road
- West Yorkshire
- WF2 0XG
- United Kingdom
Card Factory plc operates as a specialist retailer of greeting cards in the United Kingdom. The company designs, sources, prints, warehouses, produces, distributes, and sells greeting cards, dressings, and...
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/04/16 19:39|
|End of Day Share Price||2021/04/16 00:00|
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 here.