Card Factory plc

OTCPK:CRFC.F Stock Report

Market Cap: US$307.0m

Card Factory Valuation

Is CRFC.F undervalued compared to its fair value, analyst forecasts and its price relative to the market?

Valuation Score

2/6

Valuation Score 2/6

  • Below Fair Value

  • Significantly Below Fair Value

  • Price-To-Earnings vs Peers

  • Price-To-Earnings vs Industry

  • Price-To-Earnings vs Fair Ratio

  • Analyst Forecast

Share Price vs Fair Value

What is the Fair Price of CRFC.F when looking at its future cash flows? For this estimate we use a Discounted Cash Flow model.

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Learn how to determine fair value like the best investors in the world.

Below Fair Value: CRFC.F ($0.92) is trading above our estimate of fair value ($0.83)

Significantly Below Fair Value: CRFC.F is trading above our estimate of fair value.

Key Valuation Metric

Which metric is best to use when looking at relative valuation for CRFC.F?

Key metric: As CRFC.F is profitable we use its Price-To-Earnings Ratio for relative valuation analysis.

The above table shows the Price to Earnings ratio for CRFC.F. This is calculated by dividing CRFC.F's market cap by their current earnings.
What is CRFC.F's PE Ratio?
PE Ratio5.4x
EarningsUK£42.90m
Market CapUK£228.58m

Price to Earnings Ratio vs Peers

How does CRFC.F's PE Ratio compare to its peers?

The above table shows the PE ratio for CRFC.F vs its peers. Here we also display the market cap and forecasted growth for additional consideration.
CompanyForward PEEstimated GrowthMarket Cap
Peer Average22.1x
ELA Envela
33.8x10.53%US$344.3m
RENT Rent the Runway
27xn/aUS$268.0m
BBW Build-A-Bear Workshop
14.4x0.82%US$819.2m
UPBD Upbound Group
13x32.41%US$1.1b
CRFC.F Card Factory
5.4x4.21%US$228.6m

Price-To-Earnings vs Peers: CRFC.F is good value based on its Price-To-Earnings Ratio (5.4x) compared to the peer average (21.5x).

Historical Price to Earnings Ratio

Historical Price to Earnings Ratio compares a stock's price to its earnings over time. Higher ratios indicate that investors are willing to pay more for the stock.

Fetching historical data

Price to Earnings Ratio vs Industry

How does CRFC.F's PE Ratio compare vs other companies in the US Specialty Retail Industry?

4 CompaniesPrice / EarningsEstimated GrowthMarket Cap
LUXE LuxExperience B.V
1.9x-103.44%US$1.10b
TLF Tandy Leather Factory
2.2xn/aUS$22.61m
SSOK Sunstock
0.1xn/aUS$77.75k
COSG Grand Gallery
0.0002xn/aUS$2.29k
No more companies available in this PE range
CRFC.F 5.4xIndustry Avg. 20.9xNo. of Companies8PE01224364860+
4 CompaniesEstimated GrowthMarket Cap
No more companies

Price-To-Earnings vs Industry: CRFC.F is good value based on its Price-To-Earnings Ratio (5.4x) compared to the US Specialty Retail industry average (20.2x).

Price to Earnings Ratio vs Fair Ratio

What is CRFC.F's PE Ratio compared to its Fair PE Ratio? This is the expected PE Ratio taking into account the company's forecast earnings growth, profit margins and other risk factors.

CRFC.F PE Ratio vs Fair Ratio.
Fair Ratio
Current PE Ratio5.4x
Fair PE Ration/a

Price-To-Earnings vs Fair Ratio: Insufficient data to calculate CRFC.F's Price-To-Earnings Fair Ratio for valuation analysis.

Analyst Price Targets

What is the analyst 12-month forecast and do we have any statistical confidence in the consensus price target?

The above table shows the analyst CRFC.F forecast and predictions for the stock price in 12 month’s time.
DateShare PriceAverage 1Y Price TargetDispersionHighLow1Y Actual priceAnalysts
Currentn/a
US$1.55
0%
28.09%US$2.28US$1.01n/a7
Jan ’27n/a
US$1.55
0%
28.09%US$2.28US$1.01n/a7
Dec ’26n/a
US$2.16
0%
20.36%US$2.98US$1.46n/a7
Nov ’26n/a
US$2.19
0%
20.36%US$3.02US$1.48n/a7
Oct ’26n/a
US$2.19
0%
20.36%US$3.03US$1.48n/a7
Sep ’26n/a
US$2.16
0%
19.30%US$2.91US$1.49n/a7
Aug ’26US$1.28
US$2.11
+64.68%
19.30%US$2.85US$1.46n/a7
Jul ’26n/a
US$2.16
0%
19.30%US$2.92US$1.49n/a7
Jun ’26n/a
US$2.11
0%
19.30%US$2.85US$1.46n/a7
May ’26n/a
US$2.02
0%
14.74%US$2.39US$1.51n/a7
Apr ’26n/a
US$2.02
0%
14.74%US$2.39US$1.51n/a7
Mar ’26n/a
US$2.02
0%
14.74%US$2.39US$1.51n/a7
Feb ’26n/a
US$2.02
0%
14.45%US$2.34US$1.48n/a7
Jan ’26n/a
US$2.12
0%
14.57%US$2.55US$1.59n/a7
Dec ’25n/a
US$2.10
0%
14.57%US$2.53US$1.58n/a7
Nov ’25US$1.18
US$2.17
+83.95%
14.57%US$2.61US$1.63n/a7
Oct ’25US$1.53
US$2.22
+45.41%
14.57%US$2.68US$1.67n/a7
Sep ’25US$1.60
US$2.01
+25.74%
18.38%US$2.56US$1.49n/a7
Aug ’25n/a
US$2.01
0%
18.38%US$2.56US$1.49US$1.287
Jul ’25US$1.19
US$1.93
+62.40%
20.62%US$2.54US$1.47n/a5
Jun ’25US$1.30
US$1.91
+46.54%
22.96%US$2.43US$1.37n/a4
May ’25US$1.26
US$1.87
+48.02%
22.96%US$2.37US$1.34n/a4
Apr ’25n/a
US$1.85
0%
21.43%US$2.27US$1.35n/a4
Mar ’25n/a
US$1.85
0%
21.43%US$2.27US$1.35n/a4
Feb ’25n/a
US$1.85
0%
21.43%US$2.27US$1.35n/a4
Jan ’25n/a
US$1.76
0%
19.91%US$2.19US$1.33n/a4
US$1.59
Fair Value
42.2% undervalued intrinsic discount
7
Number of Analysts

Analyst Forecast: Target price is more than 20% higher than the current share price, but analysts are not within a statistically confident range of agreement.

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Company Analysis and Financial Data Status

DataLast Updated (UTC time)
Company Analysis2026/01/08 03:54
End of Day Share Price 2025/12/19 00:00
Earnings2025/07/31
Annual Earnings2025/01/31

Data Sources

The data used in our company analysis is from S&P Global Market Intelligence LLC. The following data is used in our analysis model to generate this report. Data is normalised which can introduce a delay from the source being available.

PackageDataTimeframeExample US Source *
Company Financials10 years
  • Income statement
  • Cash flow statement
  • Balance sheet
Analyst Consensus Estimates+3 years
  • Forecast financials
  • Analyst price targets
Market Prices30 years
  • Stock prices
  • Dividends, Splits and Actions
Ownership10 years
  • Top shareholders
  • Insider trading
Management10 years
  • Leadership team
  • Board of directors
Key Developments10 years
  • Company announcements

* Example for US securities, for non-US equivalent regulatory forms and sources are used.

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.

Analysis Model and Snowflake

Details of the analysis model used to generate this report is available on our Github page, we also have guides on how to use our reports and tutorials on Youtube.

Learn about the world class team who designed and built the Simply Wall St analysis model.

Industry and Sector Metrics

Our industry and section metrics are calculated every 6 hours by Simply Wall St, details of our process are available on Github.

Analyst Sources

Card Factory plc is covered by 10 analysts. 8 of those analysts submitted the estimates of revenue or earnings used as inputs to our report. Analysts submissions are updated throughout the day.

AnalystInstitution
Adam TomlinsonBerenberg
Mark PhotiadesCanaccord Genuity
Russell PointonEdison Investment Research