Reported Earnings • May 23
Full year 2026 earnings released: EPS: UK£0.09 (vs UK£0.14 in FY 2025) Full year 2026 results: EPS: UK£0.09 (down from UK£0.14 in FY 2025). Revenue: UK£582.7m (up 7.4% from FY 2025). Net income: UK£31.2m (down 35% from FY 2025). Profit margin: 5.4% (down from 8.8% in FY 2025). The decrease in margin was driven by higher expenses. Revenue is forecast to grow 3.8% p.a. on average during the next 3 years, compared to a 6.3% growth forecast for the Specialty Retail industry in Germany. Over the last 3 years on average, earnings per share has fallen by 10% per year whereas the company’s share price has fallen by 9% per year. Duyuru • May 21
Card Factory plc to Report First Half, 2027 Results on Sep 29, 2026 Card Factory plc announced that they will report first half, 2027 results on Sep 29, 2026 Upcoming Dividend • May 21
Upcoming dividend of UK£0.037 per share Eligible shareholders must have bought the stock before 28 May 2026. Payment date: 03 July 2026. Payout ratio is a comfortable 56% and this is well supported by cash flows. Trailing yield: 7.1%. Within top quartile of German dividend payers (4.5%). Higher than average of industry peers (2.6%). Duyuru • Apr 28
Card Factory plc, Annual General Meeting, Jun 25, 2026 Card Factory plc, Annual General Meeting, Jun 25, 2026. Duyuru • Oct 02
Card Factory plc Proposes Interim Dividend for the Half Year Ended 31 July 2025, Payable on 12 December 2025 The Board of Card Factory plc has proposed an interim dividend of 1.3 pence per share for the half year ended 31 July 2025, which is based on the expected full-year dividend, subject to the financial performance of the Group in the second half, and represents an increase of 4.9% on the prior year (before rounding). The interim dividend will be payable to shareholders on the share register on 7 November 2025, with payments to be made on 12 December 2025. Duyuru • Aug 22
Card Factory plc to Report First Half, 2026 Results on Sep 30, 2025 Card Factory plc announced that they will report first half, 2026 results on Sep 30, 2025 Duyuru • Jul 31
Card Factory plc Affirms Earnings Guidance for the Fiscal Year 2026 Card Factory plc affirmed earnings guidance for the fiscal year 2026. The Board's expectations of mid-to-high single-digit percentage growth in sales for fiscal year 2026 remain unchanged. Duyuru • Jul 29
Card Factory plc (LSE:CARD) agreed to acquire Funkypigeon.Com Limited from WH Smith PLC (LSE:SMWH) for £24 million. Card Factory plc (LSE:CARD) agreed to acquire Funkypigeon.Com Limited from WH Smith PLC (LSE:SMWH) for £24 million on July 29, 2025. Consideration represents an enterprise value of £26 million on a cash and debt-free basis and an equity value of £24 million. Net cash proceeds, when adjusted for transaction costs, are anticipated to be £21 million and will be used to improve the Group's net debt position. The consideration of £24 million is subject to customary closing adjustments, implying an EV/EBITDA multiple of c.5 times. The acquisition will be funded from draw down of up to £35 million under the accordion facility provided by cardfactory's banking syndicate, as part of its current debt facilities.
Completion of the Transaction is subject to the receipt of any required regulatory approvals and expected to occur before the end of the calendar year.
Tim Danaher of Brunswick Group LLP acted as financial advisor to WH Smith PLC (LSE:SMWH) Duyuru • Dec 31
Card Factory plc to Report Fiscal Year 2025 Results on May 07, 2025 Card Factory plc announced that they will report fiscal year 2025 results at 8:00 AM, GMT Standard Time on May 07, 2025 Upcoming Dividend • Oct 24
Upcoming dividend of UK£0.012 per share Eligible shareholders must have bought the stock before 31 October 2024. Payment date: 11 December 2024. Payout ratio is a comfortable 48% and this is well supported by cash flows. Trailing yield: 2.7%. Lower than top quartile of German dividend payers (4.9%). Lower than average of industry peers (3.1%). Valuation Update With 7 Day Price Move • Oct 01
Investor sentiment deteriorates as stock falls 24% After last week's 24% share price decline to €1.25, the stock trades at a forward P/E ratio of 7x. Average forward P/E is 7x in the Specialty Retail industry in Germany. Total returns to shareholders of 125% over the past three years. New Risk • Sep 25
New minor risk - Share price stability The company's share price has been volatile over the past 3 months. It is more volatile than 75% of German stocks, typically moving 8.0% a week. This is considered a minor risk. Share price volatility indicates the stock is highly sensitive to market conditions or economic conditions rather than being sensitive to its own business performance, which may also be inconsistent. It also increases the risk of potential losses in the short term as the stock tends to have larger drops in price more frequently than other stocks. Currently, the following risks have been identified for the company: Minor Risks Unstable dividend paying track record with dividend experiencing an annual drop of over 20% in the past. Share price has been volatile over the past 3 months (8.0% average weekly change). Duyuru • Sep 24
Card Factory plc Announces Interim Dividend, Payable on 11 December 2024 On 23 September 2024, the Directors of Card Factory plc resolved to pay an interim dividend of 1.2 pence per share. This represents approximately 25% of the expected full year dividend, subject to the financial performance of the Group in the remainder of the financial year being in line with expectations. The interim dividend will be payable to shareholders on the share register on 1 November 2024, with payments to be made on 11 December 2024. Duyuru • Sep 10
Card Factory plc to Report First Half, 2025 Results on Sep 24, 2024 Card Factory plc announced that they will report first half, 2025 results on Sep 24, 2024 Valuation Update With 7 Day Price Move • Jul 30
Investor sentiment improves as stock rises 18% After last week's 18% share price gain to €1.38, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 7x in the Specialty Retail industry in Germany. Total returns to shareholders of 116% over the past three years. Duyuru • Jul 24
Card Factory plc Announces Resignation of Nathan Lane from the Board, Effective 26 July 2024 Card Factory plc announced that Nathan Lane will step down from the Board with effect from 26 July 2024. Recent Insider Transactions • Jun 08
CEO & Executive Director recently bought €105k worth of stock On the 3rd of June, Darcy Willson-Rymer bought around 92k shares on-market at roughly €1.14 per share. This transaction amounted to 35% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was Darcy's only on-market trade for the last 12 months. Duyuru • Jun 06
Card Factory plc Announces Directorate Changes Card Factory plc announced the appointment of Pamela Powell (Pam) as Senior Non-Executive Director with effect from 21 June 2024. Pam will succeed Roger Whiteside who has advised the Company that he intends to step down from the Board at the conclusion of the company's 2024 Annual General Meeting, scheduled to be held on 20 June 2024 (AGM). Pam will be appointed as a member of each of the Company's Remuneration Committee, Audit & Risk Committee and Nomination Committee. Pam is an internationally experienced blue chip consumer FMCG marketeer, including senior global positions at Unilever from 1989 to 2001, and SAB Miller, from 2002 to 2011 as Group Director, Strategy and Innovation. Pam has subsequently developed a non-executive portfolio in industries spanning consumer brands, manufacturing, supply and distribution. Pam Powell is currently Non-Executive Director of Origin Enterprises plc, where she is a member of the ESG committee. Pam was previously Non-Executive Director of Cranswick plc; Premier Foods plc and A G Barr plc. Pam was a member of Audit, Remuneration and Nomination committees with each of these companies, chaired the Remuneration Committees of Cranswick plc and Premier Foods plc and was a member of the Cranswick plc ESG committee. Pam is considered to meet the requirements to be classified as an independent director under the UK Corporate Governance Code. Resolution 6 in the notice of AGM, for Roger's re-election as a Director, will be withdrawn and will not be put to the AGM (or any adjourned meeting). Upcoming Dividend • May 23
Upcoming dividend of UK£0.045 per share Eligible shareholders must have bought the stock before 30 May 2024. Payment date: 28 June 2024. Trailing yield: 4.4%. Lower than top quartile of German dividend payers (4.6%). Higher than average of industry peers (3.6%). Duyuru • May 01
Card Factory plc, Annual General Meeting, Jun 20, 2024 Card Factory plc, Annual General Meeting, Jun 20, 2024. Agenda: To consider and pay the dividend for the year. Reported Earnings • Apr 30
Full year 2024 earnings released: EPS: UK£0.14 (vs UK£0.13 in FY 2023) Full year 2024 results: EPS: UK£0.14 (up from UK£0.13 in FY 2023). Revenue: UK£510.9m (up 10% from FY 2023). Net income: UK£49.5m (up 12% from FY 2023). Profit margin: 9.7% (in line with FY 2023). Revenue is forecast to grow 6.6% p.a. on average during the next 3 years, compared to a 5.6% growth forecast for the Specialty Retail industry in Germany. Over the last 3 years on average, earnings per share has increased by 89% per year but the company’s share price has only increased by 5% per year, which means it is significantly lagging earnings growth. Buy Or Sell Opportunity • Mar 22
Now 21% overvalued Over the last 90 days, the stock has fallen 13% to €1.04. The fair value is estimated to be €0.86, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 18% over the last 3 years. Earnings per share has grown by 94%. Revenue is forecast to grow by 15% in 2 years. Earnings are forecast to decline by 6.4% in the next 2 years. Buy Or Sell Opportunity • Feb 22
Now 22% overvalued Over the last 90 days, the stock has fallen 7.3% to €1.07. The fair value is estimated to be €0.88, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 18% over the last 3 years. Earnings per share has grown by 94%. Revenue is forecast to grow by 15% in 2 years. Earnings are forecast to decline by 6.4% in the next 2 years. Buy Or Sell Opportunity • Feb 13
Now 21% overvalued Over the last 90 days, the stock has fallen 12% to €1.07. The fair value is estimated to be €0.88, however this is not to be taken as a sell recommendation but rather should be used as a guide only. Revenue has grown by 18% over the last 3 years. Earnings per share has grown by 94%. Revenue is forecast to grow by 15% in 2 years. Earnings are forecast to decline by 6.4% in the next 2 years. Duyuru • Jan 12
Card Factory plc to Report Fiscal Year 2024 Results on Apr 30, 2024 Card Factory plc announced that they will report fiscal year 2024 results on Apr 30, 2024 Valuation Update With 7 Day Price Move • Nov 03
Investor sentiment improves as stock rises 18% After last week's 18% share price gain to €1.19, the stock trades at a forward P/E ratio of 7x. Average forward P/E is 9x in the Specialty Retail industry in Germany. Total returns to shareholders of 245% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €1.01 per share. Reported Earnings • Sep 27
First half 2024 earnings released: EPS: UK£0.056 (vs UK£0.034 in 1H 2023) First half 2024 results: EPS: UK£0.056 (up from UK£0.034 in 1H 2023). Revenue: UK£220.8m (up 12% from 1H 2023). Net income: UK£19.2m (up 67% from 1H 2023). Profit margin: 8.7% (up from 5.8% in 1H 2023). The increase in margin was driven by higher revenue. Revenue is forecast to grow 6.9% p.a. on average during the next 3 years, compared to a 6.6% growth forecast for the Specialty Retail industry in Germany. Over the last 3 years on average, earnings per share has increased by 94% per year but the company’s share price has only increased by 42% per year, which means it is significantly lagging earnings growth. Duyuru • Sep 06
Card Factory plc to Report Q2, 2024 Results on Sep 26, 2023 Card Factory plc announced that they will report Q2, 2024 results on Sep 26, 2023 Valuation Update With 7 Day Price Move • Aug 07
Investor sentiment improves as stock rises 16% After last week's 16% share price gain to €1.17, the stock trades at a forward P/E ratio of 8x. Average forward P/E is 13x in the Specialty Retail industry in Germany. Total returns to shareholders of 151% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €1.14 per share. Recent Insider Transactions • Jun 11
CEO & Executive Director recently bought €92k worth of stock On the 8th of June, Darcy Willson-Rymer bought around 88k shares on-market at roughly €1.05 per share. This transaction amounted to 49% of their direct individual holding at the time of the trade. This was the largest purchase by an insider in the last 3 months. This was Darcy's only on-market trade for the last 12 months. Reported Earnings • May 03
Full year 2023 earnings released: EPS: UK£0.13 (vs UK£0.024 in FY 2022) Full year 2023 results: EPS: UK£0.13 (up from UK£0.024 in FY 2022). Revenue: UK£463.4m (up 27% from FY 2022). Net income: UK£44.2m (up 446% from FY 2022). Profit margin: 9.5% (up from 2.2% in FY 2022). The increase in margin was driven by higher revenue. Revenue is forecast to grow 6.1% p.a. on average during the next 3 years, compared to a 6.8% growth forecast for the Specialty Retail industry in Germany. Over the last 3 years on average, earnings per share has increased by 12% per year but the company’s share price has increased by 44% per year, which means it is tracking significantly ahead of earnings growth. Valuation Update With 7 Day Price Move • Apr 17
Investor sentiment improves as stock rises 15% After last week's 15% share price gain to €1.11, the stock trades at a forward P/E ratio of 9x. Average forward P/E is 10x in the Specialty Retail industry in Germany. Total returns to shareholders of 103% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €0.81 per share. Duyuru • Jan 10
Card Factory plc to Report Fiscal Year 2023 Results on Apr 25, 2023 Card Factory plc announced that they will report fiscal year 2023 results on Apr 25, 2023 Duyuru • Dec 09
Card Factory Announces Board Changes Card Factory announced that Octavia Morley has advised the company that she intends to step down from the Board at the end of the current financial year that is 31 January 2023. Octavia joined the company board in April 2014, fulfilling the roles as senior independent non-executive director and chair of the remuneration committee. The company announced that Roger Whiteside has agreed to assume the role as Senior Independent non-Executive Director and Indira Thambiah will be appointed Chair of the Remuneration Committee, with effect from 1 February 2023. Reported Earnings • Sep 29
First half 2023 earnings released: EPS: UK£0.034 (vs UK£0.015 loss in 1H 2022) First half 2023 results: EPS: UK£0.034 (up from UK£0.015 loss in 1H 2022). Revenue: UK£198.0m (up 69% from 1H 2022). Net income: UK£11.5m (up UK£16.7m from 1H 2022). Profit margin: 5.8% (up from net loss in 1H 2022). The move to profitability was driven by higher revenue. Revenue is forecast to grow 6.0% p.a. on average during the next 3 years, compared to a 7.2% growth forecast for the Specialty Retail industry in Germany. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 29 percentage points per year, which is a significant difference in performance. Duyuru • Aug 24
Card Factory Appoints Indira Thambiah as Non-Executive Director, with Effect from 1 September 2022 Card Factory announced the appointment of Indira Thambiah as Non-Executive Director with effect from 1 September 2022. Indira will be appointed as a member of each of the Company's Remuneration Committee, Audit & Risk Committee and Nomination Committee. Indira is an experienced multi-channel retail executive and consultant, with previous roles including Head of Multi-Channel for Home Retail Group (Argos & Homebase) and Vice President, Europe at online sales marketplace, Zulily. Indira has successfully managed a number of private businesses, most recently Roof-Maker (CEO, 2018 to 2022). Indira has also been an Independent Non-Executive Director and member of the Remuneration Committee at each of Superdry plc (2010 to 2013) and Yorkshire Building Society (2007 to 2010). Indira is a qualified Chartered Accountant. Duyuru • Jul 25
Card Factory plc Announces Kris Lee to Leave Company as Chief Financial Officer Card Factory plc announced that the Board and Kris Lee, Chief Financial Officer have agreed that Kris will leave the Company following a transition period. Kris has played a significant role in helping to guide the Company through the last few years, and particularly during the Covid impacted period. Recently he has also delivered an attractive financing package, providing the Company with a strong base for delivery of its future strategy. Having helped provide the foundations for the successful delivery of the Company's 'Opening New Future' growth strategy and a steady recovery of the Group's finances following lockdown restrictions, the Board and Kris have agreed that now is the right time for change. The Company will commence a process to identify his successor. Kris will remain in role for the transition period, working with the Company to assist in this process and help ensure an orderly succession. Recent Insider Transactions • May 11
CEO & Executive Director recently bought €67k worth of stock On the 4th of May, Darcy Willson-Rymer bought around 94k shares on-market at roughly €0.71 per share. This was the largest purchase by an insider in the last 3 months. Darcy has been a buyer over the last 12 months, purchasing a net total of €126k worth in shares. Reported Earnings • May 04
Full year 2022 earnings released: EPS: UK£0.024 (vs UK£0.04 loss in FY 2021) Full year 2022 results: EPS: UK£0.024 (up from UK£0.04 loss in FY 2021). Revenue: UK£364.4m (up 28% from FY 2021). Net income: UK£8.10m (up UK£21.7m from FY 2021). Profit margin: 2.2% (up from net loss in FY 2021). The move to profitability was driven by higher revenue. Over the next year, revenue is forecast to grow 16%, compared to a 13% growth forecast for the retail industry in Germany. Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 57 percentage points per year, which is a significant difference in performance. Recent Insider Transactions • Jan 20
Non-Executive Chairman recently bought €135k worth of stock On the 18th of January, Paul Moody bought around 200k shares on-market at roughly €0.68 per share. This was the largest purchase by an insider in the last 3 months. This was Paul's only on-market trade for the last 12 months. Duyuru • Jan 13
Card Factory plc Provides Earnings Guidance for the Full Year 2022 Card Factory plc provided earnings guidance for the full year 2022. For the year, the company expects revenue to be in excess of £360.0 million and profit before tax is expected to be in the range of £7.0 million - £10.0 million. Executive Departure • Dec 03
Independent Non-Executive Director David Stead has left the company On the 30th of November, David Stead's tenure as Independent Non-Executive Director ended after 7.6 years in the role. As of September 2021, David still personally held only 22.22k shares (€14k worth at the time). David is the only executive to leave the company over the last 12 months. The current median tenure of the management team is 4.42 years. Recent Insider Transactions • Nov 16
Non-Independent Non-Executive Director recently bought €125k worth of stock On the 12th of November, Nathan Lane bought around 200k shares on-market at roughly €0.63 per share. This was the largest purchase by an insider in the last 3 months. Insiders have collectively bought €184k more in shares than they have sold in the last 12 months. Duyuru • Sep 29
Card Factory plc Provides Revenue Guidance for the Fiscal Year 2026 Card Factory plc provided revenue guidance for the fiscal 2026. For the period, the company new long-term guidance is revenues in excess of £600 million for FY26, of which the Company expects approximately 20%. to come from online & multi-channel and retail partnerships. Reported Earnings • Sep 29
First half 2022 earnings released: UK£0.015 loss per share (vs UK£0.052 loss in 1H 2021) The company reported a solid first half result with reduced losses, improved revenues and improved control over expenses. First half 2022 results: Revenue: UK£116.9m (up 16% from 1H 2021). Net loss: UK£5.20m (loss narrowed 71% from 1H 2021). Over the last 3 years on average, the company's share price growth rate has exceeded its earnings growth rate by 45 percentage points per year, which is a significant difference in performance. Recent Insider Transactions • Jun 29
CEO & Director recently bought €59k worth of stock On the 25th of June, Darcy Willson-Rymer bought around 84k shares on-market at roughly €0.70 per share. This was the largest purchase by an insider in the last 3 months. This was Darcy's only on-market trade for the last 12 months. Reported Earnings • Jun 12
Full year 2021 earnings released: UK£0.04 loss per share (vs UK£0.15 profit in FY 2020) The company reported a poor full year result with weaker earnings, revenues and control over costs. Full year 2021 results: Revenue: UK£285.1m (down 37% from FY 2020). Net loss: UK£13.6m (down 126% from profit in FY 2020). Like-for-like sales growth: 0.1% vs FY 2020 Over the last 3 years on average, earnings per share has fallen by 51% per year but the company’s share price has only fallen by 30% per year, which means it has not declined as severely as earnings. Valuation Update With 7 Day Price Move • May 05
Investor sentiment improved over the past week After last week's 16% share price gain to UK£1.04, the stock trades at a forward P/E ratio of 76x. Average forward P/E is 14x in the Specialty Retail industry in Europe. Total loss to shareholders of 52% over the past three years. Simply Wall St's valuation model estimates the intrinsic value at €0.98 per share. Is New 90 Day High Low • Feb 12
New 90-day low: €0.37 The company is down 12% from its price of €0.42 on 13 November 2020. The German market is up 10.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Specialty Retail industry, which is up 8.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €1.03 per share. Duyuru • Dec 23
Card Factory Announce Appointment of Darcy Willson-Rymer as Chief Executive Officer Card Factory announced appointment of Darcy Willson-Rymer as Chief Executive Officer. Darcy will join the company on March 8, 2021, following expiry of his notice period. Paul Moody's appointment as Executive Chairman will end when Darcy joins the business, at which time Paul will revert to his role as non-executive Chairman. Darcy will join the company from Costcutter Supermarkets, where he has served as CEO for the last eight years. Is New 90 Day High Low • Nov 17
New 90-day high: €0.46 The company is up 2.0% from its price of €0.45 on 19 August 2020. The German market is also up 2.0% over the last 90 days, indicating the company’s price trend is similar to the market over that time. However, it underperformed the Specialty Retail industry, which is up 3.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €1.07 per share. Is New 90 Day High Low • Oct 30
New 90-day low: €0.35 The company is down 25% from its price of €0.47 on 31 July 2020. The German market is down 5.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Specialty Retail industry, which is up 6.0% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €1.12 per share. Is New 90 Day High Low • Oct 01
New 90-day low: €0.35 The company is down 36% from its price of €0.55 on 03 July 2020. The German market is up 1.0% over the last 90 days, indicating the company underperformed over that time. It also underperformed the Specialty Retail industry, which is up 21% over the same period. According to the Simply Wall St valuation model, the estimated intrinsic value of the company is €1.02 per share. Reported Earnings • Sep 29
First half earnings released Over the last 12 months the company has reported total profits of UK£14.4m, down 71% from the prior year. Total revenue was UK£356.4m over the last 12 months, down 20% from the prior year. Duyuru • Aug 08
Card Factory plc Auditor Raises 'Going Concern' Doubt Card Factory plc filed its Annual on Jun 19, 2020 for the period ending Jan 31, 2020. In this report its auditor, KPMG LLP - Klynveld Peat Marwick Goerdeler, gave an unqualified opinion expressing doubt that the company can continue as a going concern. 
