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£0.65|
|52 Week High||UK£0.73|
|52 Week Low||UK£0.39|
|1 Month Change||14.16%|
|3 Month Change||25.00%|
|1 Year Change||-2.27%|
|3 Year Change||-66.16%|
|5 Year Change||-80.62%|
|Change since IPO||-67.91%|
Recent News & Updates
|CARD||GB Specialty Retail||GB Market|
Return vs Industry: CARD exceeded the UK Specialty Retail industry which returned -22.9% over the past year.
Return vs Market: CARD exceeded the UK Market which returned -4% over the past year.
|CARD Average Weekly Movement||11.7%|
|Specialty Retail Industry Average Movement||6.2%|
|Market Average Movement||6.2%|
|10% most volatile stocks in GB Market||11.6%|
|10% least volatile stocks in GB Market||3.2%|
Stable Share Price: CARD is more volatile than 90% of UK stocks over the past 3 months, typically moving +/- 12% a week.
Volatility Over Time: CARD's weekly volatility (12%) has been stable over the past year, but is still higher than 75% of UK stocks.
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£247.90m|
Last Reported Earnings
Jan 31, 2022
Next Earnings Date
Sep 27, 2022
|Earnings per share (EPS)||0.024|
|Net Profit Margin||2.22%|
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?
Valuation Score 4/6
Below Fair Value
Significantly Below Fair Value
PE vs Industry
PE vs Market
PB vs Industry
Undervalued compared to fair value
Share Price vs. Fair Value
Below Fair Value: CARD (£0.65) is trading below our estimate of fair value (£0.95)
Significantly Below Fair Value: CARD is trading below fair value by more than 20%.
Price To Earnings Ratio
PE vs Industry: CARD is poor value based on its PE Ratio (27.3x) compared to the UK Specialty Retail industry average (9.7x).
PE vs Market: CARD is poor value based on its PE Ratio (27.3x) compared to the UK market (15.4x).
Price to Earnings Growth Ratio
PEG Ratio: CARD is good value based on its PEG Ratio (0.6x)
Price to Book Ratio
PB vs Industry: CARD is good value based on its PB Ratio (1x) compared to the GB Specialty Retail industry average (1.4x).
How is Card Factory forecast to perform in the next 1 to 3 years based on estimates from 4 analysts?
Future Growth Score4/6
Future Growth Score 4/6
Earnings vs Savings Rate
Earnings vs Market
High Growth Earnings
Revenue vs Market
High Growth Revenue
Forecasted annual earnings growth
Earnings and Revenue Growth Forecasts
Analyst Future Growth Forecasts
Earnings vs Savings Rate: CARD's forecast earnings growth (46.4% per year) is above the savings rate (0.9%).
Earnings vs Market: CARD's earnings (46.4% per year) are forecast to grow faster than the UK market (11.3% per year).
High Growth Earnings: earnings are expected to grow significantly over the next 3 years.
Revenue vs Market: CARD's revenue (10.2% per year) is forecast to grow faster than the UK market (4% per year).
High Growth Revenue: CARD's revenue (10.2% 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 (15.5%).
How has Card Factory performed over the past 5 years?
Past Performance Score1/6
Past Performance Score 1/6
Growing Profit Margin
Earnings vs Industry
Historical annual earnings growth
Earnings and Revenue History
Quality Earnings: CARD has a large one-off gain of £3.0M impacting its January 31 2022 financial results.
Growing Profit Margin: CARD became profitable in the past.
Past Earnings Growth Analysis
Earnings Trend: CARD's earnings have declined by 40.9% per year over the past 5 years.
Accelerating Growth: CARD has become profitable in the last year, making the earnings growth rate difficult to compare to its 5-year average.
Earnings vs Industry: CARD has become profitable in the last year, making it difficult to compare its past year earnings growth to the Specialty Retail industry (50.5%).
Return on Equity
High ROE: CARD's Return on Equity (3.7%) is considered low.
How is Card Factory's financial position?
Financial Health Score3/6
Financial Health Score 3/6
Short Term Liabilities
Long Term Liabilities
Financial Position Analysis
Short Term Liabilities: CARD's short term assets (£80.3M) do not cover its short term liabilities (£152.2M).
Long Term Liabilities: CARD's short term assets (£80.3M) do not cover its long term liabilities (£164.2M).
Debt to Equity History and Analysis
Debt Level: CARD's net debt to equity ratio (33.1%) is considered satisfactory.
Reducing Debt: CARD's debt to equity ratio has reduced from 55.5% to 50.5% over the past 5 years.
Debt Coverage: CARD's debt is well covered by operating cash flow (102.4%).
Interest Coverage: CARD's interest payments on its debt are not well covered by EBIT (1.4x coverage).
What is Card Factory current dividend yield, its reliability and sustainability?
Dividend Score 0/6
Future Dividend Coverage
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.
Earnings Payout to Shareholders
Earnings Coverage: CARD is not paying a notable dividend for the UK market.
Cash Payout to Shareholders
Cash Flow Coverage: Unable to calculate sustainability of dividends as CARD has not reported any payouts.
Discover strong dividend paying companies
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 (4.8 years average tenure).
Experienced Board: CARD's board of directors are considered experienced (3.6 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
- Implied Market Cap: UK£218.430m
- Shares outstanding: 342.37m
- 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||2022/05/23 00:00|
|End of Day Share Price||2022/05/23 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.