CARD Stock Overview
Card Factory plc operates as a specialist retailer of greeting cards in the United Kingdom.
Card Factory Competitors
Price History & Performance
|Historical stock prices|
|Current Share Price||UK£0.49|
|52 Week High||UK£0.98|
|52 Week Low||UK£0.30|
|1 Month Change||3.06%|
|3 Month Change||-26.84%|
|1 Year Change||12.18%|
|3 Year Change||-74.28%|
|5 Year Change||-80.70%|
|Change since IPO||-75.72%|
Recent News & Updates
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...
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...
|CARD||GB Specialty Retail||GB Market|
Return vs Industry: CARD underperformed the UK Specialty Retail industry which returned 27.5% over the past year.
Return vs Market: CARD exceeded the UK Market which returned 10.9% over the past year.
|CARD Average Weekly Movement||7.0%|
|Specialty Retail Industry Average Movement||5.9%|
|Market Average Movement||4.9%|
|10% most volatile stocks in GB Market||9.8%|
|10% least volatile stocks in GB Market||2.5%|
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
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
|CARD fundamental statistics|
Is CARD overvalued?See Fair Value and valuation analysis
Earnings & Revenue
|CARD income statement (TTM)|
|Cost of Revenue||UK£213.00m|
Last Reported Earnings
Jul 31, 2021
Next Earnings Date
|Earnings per share (EPS)||-0.0032|
|Net Profit Margin||-0.36%|
How did CARD perform over the long term?See historical performance and comparison
Is Card Factory undervalued compared to its fair value and its price relative to the market?
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CARD (£0.49) 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).
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 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%).
How has Card Factory performed over the past 5 years?
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.
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).
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 Executive Director of Card Factory plc since March 08, 2021. He serves as the Chief Executive Officer at Costcutter Supermarkets Group Limited....
Experienced Management: CARD's management team is considered experienced (4.3 years average tenure).
Experienced Board: CARD's board of directors are considered experienced (3.9 years average tenure).
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
Dilution of Shares: Shareholders have not been meaningfully diluted in the past year.
Card Factory plc's 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£166.835m
- Shares outstanding: 341.87m
- Website: https://www.cardfactoryinvestors.com
Number of Employees
- Card Factory plc
- Century House
- Brunel Road
- West Yorkshire
- WF2 0XG
- United Kingdom
Company Analysis and Financial Data Status
|Data||Last Updated (UTC time)|
|Company Analysis||2021/11/30 21:49|
|End of Day Share Price||2021/11/30 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.