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CARD

Card FactoryLSE:CARD Stock Report

Market Cap

UK£166.8m

7D

-8.1%

1Y

10.9%

Updated

01 Dec, 2021

Data

Company Financials +
CARD fundamental analysis
Snowflake Score
Valuation3/6
Future Growth4/6
Past Performance0/6
Financial Health1/6
Dividends0/6

CARD Stock Overview

Card Factory plc operates as a specialist retailer of greeting cards in the United Kingdom.

Card Factory Competitors

WH Smith

LSE:SMWH

UK£1.7b

TheWorks.co.uk

LSE:WRKS

UK£32.4m

Amazon.com

NasdaqGS:AMZN

US$1.8t

Tesco

LSE:TSCO

UK£21.1b

Price History & Performance

Summary of all time highs, changes and price drops for Card Factory
Historical stock prices
Current Share PriceUK£0.50
52 Week HighUK£0.98
52 Week LowUK£0.30
Beta2.06
1 Month Change0.81%
3 Month Change-20.92%
1 Year Change10.89%
3 Year Change-73.01%
5 Year Change-80.73%
Change since IPO-75.17%

Recent News & Updates

Nov 08
Here's Why Card Factory (LON:CARD) Is Weighed Down By Its Debt Load

Here's Why Card Factory (LON:CARD) Is Weighed Down By Its Debt Load

David Iben put it well when he said, 'Volatility is not a risk we care about. What we care about is avoiding the...

Oct 05
Card Factory (LON:CARD) Has Some Difficulty Using Its Capital Effectively

Card Factory (LON:CARD) Has Some Difficulty Using Its Capital Effectively

Ignoring the stock price of a company, what are the underlying trends that tell us a business is past the growth phase...

Shareholder Returns

CARDGB Specialty RetailGB Market
7D-8.1%-3.0%-2.6%
1Y10.9%27.5%10.9%

Return vs Industry: CARD underperformed the UK Specialty Retail industry which returned 27.5% over the past year.

Return vs Market: CARD matched the UK Market which returned 10.9% over the past year.

Price Volatility

Is CARD's price volatile compared to industry and market?
CARD volatility
CARD Average Weekly Movement6.8%
Specialty Retail Industry Average Movement5.9%
Market Average Movement4.9%
10% most volatile stocks in GB Market9.8%
10% least volatile stocks in GB Market2.5%

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.

About the Company

FoundedEmployeesCEOWebsite
19978,000Darcy Willson-Rymerhttps://www.cardfactoryinvestors.com

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, balloons, and gifts. It operates in two segments, Card Factory and Getting Personal.

Card Factory Fundamentals Summary

How do Card Factory's earnings and revenue compare to its market cap?
CARD fundamental statistics
Market CapUK£166.84m
Earnings (TTM)-UK£1.10m
Revenue (TTM)UK£301.50m

0.6x

P/S Ratio

-155.5x

P/E Ratio

Earnings & Revenue

Key profitability statistics from the latest earnings report
CARD income statement (TTM)
RevenueUK£301.50m
Cost of RevenueUK£213.00m
Gross ProfitUK£88.50m
ExpensesUK£89.60m
Earnings-UK£1.10m

Last Reported Earnings

Jul 31, 2021

Next Earnings Date

n/a

Earnings per share (EPS)-0.0032
Gross Margin29.35%
Net Profit Margin-0.36%
Debt/Equity Ratio56.9%

How did CARD perform over the long term?

See historical performance and comparison

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 (£0.5) is trading below our estimate of fair value (£1.39)

Significantly Below Fair Value: CARD is trading below fair value by more than 20%.


Price To Earnings Ratio

PE vs Industry: CARD is unprofitable, so we can't compare its PE Ratio to the UK Specialty Retail industry average.

PE vs Market: CARD is unprofitable, so we can't compare its PE Ratio to the UK market.


Price to Earnings Growth Ratio

PEG Ratio: Insufficient data to calculate CARD's PEG Ratio to determine if it is good value.


Price to Book Ratio

PB vs Industry: CARD is good value based on its PB Ratio (0.8x) compared to the GB Specialty Retail industry average (2.3x).


Future Growth

How is Card Factory forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?

96.7%

Forecasted annual earnings growth


Earnings and Revenue Growth Forecasts


Analyst Future Growth Forecasts

Earnings vs Savings Rate: CARD is forecast to become profitable over the next 3 years, which is considered faster growth than the savings rate (0.9%).

Earnings vs Market: CARD is forecast to become profitable over the next 3 years, which is considered above average market growth.

High Growth Earnings: CARD's is expected to become profitable in the next 3 years.

Revenue vs Market: CARD's revenue (16.3% per year) is forecast to grow faster than the UK market (4.9% 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 (17%).


Past Performance

How has Card Factory performed over the past 5 years?

-34.0%

Historical annual earnings growth


Earnings and Revenue History

Quality Earnings: CARD is currently unprofitable.

Growing Profit Margin: CARD is currently unprofitable.


Past Earnings Growth Analysis

Earnings Trend: CARD is unprofitable, and losses have increased over the past 5 years at a rate of 34% per year.

Accelerating Growth: Unable to compare CARD's earnings growth over the past year to its 5-year average as it is currently unprofitable

Earnings vs Industry: CARD is unprofitable, making it difficult to compare its past year earnings growth to the Specialty Retail industry (74%).


Return on Equity

High ROE: CARD has a negative Return on Equity (-0.54%), as it is currently unprofitable.


Financial Health

How is Card Factory's financial position?


Financial Position Analysis

Short Term Liabilities: CARD's short term assets (£68.9M) do not cover its short term liabilities (£111.5M).

Long Term Liabilities: CARD's short term assets (£68.9M) do not cover its long term liabilities (£219.2M).


Debt to Equity History and Analysis

Debt Level: CARD's net debt to equity ratio (46.7%) is considered high.

Reducing Debt: CARD's debt to equity ratio has increased from 46.7% to 56.9% over the past 5 years.

Debt Coverage: CARD's debt is well covered by operating cash flow (78.6%).

Interest Coverage: CARD's interest payments on its debt are not well covered by EBIT (1.3x coverage).


Balance Sheet


Dividend

What is Card Factory current dividend yield, its reliability and sustainability?

7.39%

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?

4.3yrs

Average management tenure


CEO

Darcy Willson-Rymer

0.67

Tenure

Mr. Darcy Willson-Rymer has been Chief Executive Officer and Executive Director of Card Factory plc since March 08, 2021. He serves as the Chief Executive Officer at Costcutter Supermarkets Group Limited....


Leadership Team

Experienced Management: CARD's management team is considered experienced (4.3 years average tenure).


Board Members

Experienced Board: CARD's board of directors are considered experienced (3.9 years average tenure).


Ownership

Who are the major shareholders and have insiders been buying or selling?


Insider Trading Volume

Insider Buying: CARD 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 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£166.837m
  • Shares outstanding: 341.88m
  • Website: https://www.cardfactoryinvestors.com

Number of Employees


Location

  • Card Factory plc
  • Century House
  • Brunel Road
  • Wakefield
  • West Yorkshire
  • WF2 0XG
  • United Kingdom

Listings


Company Analysis and Financial Data Status

All financial data provided by Standard & Poor's Capital IQ.
DataLast Updated (UTC time)
Company Analysis2021/12/01 22:08
End of Day Share Price2021/12/01 00:00
Earnings2021/07/31
Annual Earnings2021/01/31


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.