Card Factory
Market Cap
UK£131.9m
Last Updated
2021/02/23 20:25 UTC
Data Sources
Company Financials +
Executive Summary
Card Factory plc operates as a specialist retailer of greeting cards in the United Kingdom. More Details
Rewards
Risk Analysis
Snowflake Analysis
Very undervalued with reasonable growth potential.
Similar Companies
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 not significantly more volatile than the rest of UK stocks over the past 3 months, typically moving +/- 7% a week.
Volatility Over Time: CARD's weekly volatility (7%) has been stable over the past year.
Market Performance
7 Day Return
13.5%
CARD
-0.3%
GB Specialty Retail
-1.8%
GB Market
1 Year Return
-51.7%
CARD
9.2%
GB Specialty Retail
-2.0%
GB Market
Return vs Industry: CARD underperformed the UK Specialty Retail industry which returned 4.9% over the past year.
Return vs Market: CARD underperformed the UK Market which returned -4% over the past year.
Shareholder returns
| CARD | Industry | Market | |
|---|---|---|---|
| 7 Day | 13.5% | -0.3% | -1.8% |
| 30 Day | 2.3% | 1.7% | -0.1% |
| 90 Day | -16.6% | 7.5% | 5.9% |
| 1 Year | -51.7%-51.7% | 9.5%9.2% | 2.1%-2.0% |
| 3 Year | -78.2%-81.2% | 15.4%7.6% | 8.5%-4.5% |
| 5 Year | -84.2%-88.4% | 12.8%-2.4% | 41.2%14.0% |
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
1 week ago | Simply Wall St
We Think Card Factory's (LON:CARD) Statutory Profit Might Understate Its Earnings Potential1 month ago | Simply Wall St
Card Factory (LON:CARD) Has A Somewhat Strained Balance Sheet1 month ago | Simply Wall St
If You Had Bought Card Factory's (LON:CARD) Shares Five Years Ago You Would Be Down 88%Valuation
Is Card Factory undervalued compared to its fair value and its price relative to the market?
>50%
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CARD (£0.39) is trading below our estimate of fair value (£0.88)
Significantly Below Fair Value: CARD is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: CARD is good value based on its PE Ratio (9.2x) compared to the GB Specialty Retail industry average (20.5x).
PE vs Market: CARD is good value based on its PE Ratio (9.2x) compared to the UK market (23.5x).
Price to Earnings Growth Ratio
PEG Ratio: CARD is good value based on its PEG Ratio (0.1x)
Price to Book Ratio
PB vs Industry: CARD is good value based on its PB Ratio (0.6x) compared to the GB Specialty Retail industry average (1.7x).
Next Steps
Future Growth
How is Card Factory forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
69.6%
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CARD's forecast earnings growth (69.6% per year) is above the savings rate (1%).
Earnings vs Market: CARD's earnings (69.6% per year) are forecast to grow faster than the UK market (23.6% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: CARD's revenue (16.3% per year) is forecast to grow faster than the UK market (7% per year).
High Growth Revenue: CARD's revenue (16.3% 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 (13.4%).
Next Steps
Past Performance
How has Card Factory performed over the past 5 years?
-11.2%
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 (-11.9%).
Return on Equity
High ROE: CARD's Return on Equity (7.1%) is considered low.
Next Steps
Financial Health
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).
Balance Sheet
Next Steps
Dividend
What is Card Factory current dividend yield, its reliability and sustainability?
11.38%
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.
Next Steps
Management
How experienced are the management team and are they aligned to shareholders interests?
3.6yrs
Average management tenure
CEO
Card Factory has no CEO, or we have no data on them.
Leadership Team
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Executive Chairman | 2.33yrs | UK£144.00k | no data | |
| CFO & Executive Director | 3.58yrs | UK£380.93k | 0.0060% £ 7.9k | |
| General Counsel | 1.08yrs | no data | no data | |
| Human Resources Director | 15.08yrs | no data | no data | |
| Chief Commercial Officer | 1.5yrs | no data | no data | |
| Supply Chain & Logistics Director | 13.08yrs | no data | no data | |
| Getting Personal Managing Director | no data | no data | no data | |
| Printcraft Managing Director | 11.08yrs | no data | no data | |
| Strategy and Insight Director | no data | no data | no data | |
| Customer & Multi-Channel Director | no data | no data | no data |
3.6yrs
Average Tenure
48yo
Average Age
Experienced Management: CARD's management team is considered experienced (3.6 years average tenure).
Board Members
| Name | Position | Tenure | Compensation | Ownership |
|---|---|---|---|---|
| Executive Chairman | 2.33yrs | UK£144.00k | no data | |
| CFO & Executive Director | 3.58yrs | UK£380.93k | 0.0060% £ 7.9k | |
| General Counsel | 1.08yrs | no data | no data | |
| Senior Independent Non-Executive Director | 6.83yrs | UK£57.00k | 0.0039% £ 5.1k | |
| Independent Non-Executive Director | 6.83yrs | UK£53.00k | 0.0065% £ 8.6k | |
| Independent Non-Executive Director | 3.17yrs | UK£45.00k | 0.0066% £ 8.7k | |
| Independent Non-Executive Director | 6.17yrs | UK£45.00k | no data | |
| Non-Independent Non-Executive Director | 0.83yr | no data | no data |
3.4yrs
Average Tenure
62yo
Average Age
Experienced Board: CARD's board of directors are considered experienced (3.4 years average tenure).
Ownership
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
Ownership Breakdown
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Top Shareholders
Company Information
Card Factory plc's company bio, employee growth, exchange listings and data sources
Key Information
- Name: Card Factory plc
- Ticker: CARD
- Exchange: LSE
- Founded: 1997
- Industry: Specialty Stores
- Sector: Retail
- Market Cap: UK£131.868m
- Shares outstanding: 341.63m
- Website: https://www.cardfactoryinvestors.com
Number of Employees
Location
- Card Factory plc
- Century House
- Brunel Road
- Wakefield
- West Yorkshire
- WF2 0XG
- United Kingdom
Listings
| Ticker | Exchange | Primary Security | Security Type | Country | Currency | Listed on |
|---|---|---|---|---|---|---|
| CARD | LSE (London Stock Exchange) | Yes | Ordinary Shares | GB | GBP | May 2014 |
| 0CT | DB (Deutsche Boerse AG) | Yes | Ordinary Shares | DE | EUR | May 2014 |
| CARDL | BATS-CHIXE (BATS 'Chi-X Europe') | Yes | Ordinary Shares | GB | GBP | May 2014 |
Biography
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 | 2021/02/23 20:25 |
| End of Day Share Price | 2021/02/23 00:00 |
| Earnings | 2020/07/31 |
| Annual Earnings | 2020/01/31 |
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.