Subscribe

Card Factory plc (CARD.L)

GBp70.00 +0.80 (+1.16%)
GB LSE Consumer Cyclical Specialty Retail
Address Century House WF2 0XG
Wakefield, GB
CEO Darcy Willson-Rymer
Website cardfactoryfoundation.org
IPO 2014-05-20
ISIN GB00BLY2F708

Explore sections of this company profile

Also trades on London Stock Exchange · CARD.L (GBp) Other OTC · CRFCF (USD)
Description

Card Factory plc operates as a specialist retailer of cards, gifts, and celebration essentials in the United Kingdom, South Africa, Republic of Ireland, the United States, and internationally. It operates through four segments: Cardfactory Stores, Cardfactory Online, Partnerships, and Printcraft. The company offers greeting cards, celebration accessories, and gifts through cardfactory stores, cardfactory online retails, and network of third-party retail partners; and personalised cards and gifts through online retailer, as well as manufactures and sells greeting cards and personalised gifts through its stores and online businesses. It also provides printers; sells gift bags, tags, wrapping, packaging, and gifts; and operates as a property company. The company offers its products through various retail locations, as well as through its websites, such as cardfactory.co.uk and gettingpersonal.co.uk. Card Factory plc was founded in 1992 and is headquartered in Wakefield, the United Kingdom.

Market Cap & Enterprise Value
Merger & Acquisition History

No mergers or acquisitions recorded for this company.

Technical Outlook
Loading outlook…
Loading forecast...
Signal Summary Loading…
Indicator 1D1W2W3W1M
Each column is computed on that timeframe's candles (1D = daily, 1W ≈ weekly, 1M ≈ monthly), not on the same last day. ▲ bullish · ▼ bearish · — neutral. The Net row counts signals per column; hover any cell (or the indicator name) to see the exact rule behind it.
Day Score & sub-scores
Statistical fingerprint & regime detail
Conditional historical analysis
Customize analysis (advanced)
Indicative levels generated algorithmically. Not financial advice.
Risk Profile
Loading risk profile…
Price Chart
Averages
Trend
Price
Levels
Draw
GBp70.00 +0.80 (+1.16%)
Loading historical data…
Volume Profile
Loading…
Liquidity & share structure
Average Volume
1M
Beta
1.29
Float Shares
314.45M
Free Float %
91.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.15% +0.00% +3.13% -7.69% -32.31% -2.80% -29.34% -33.60% -27.31% -81.66% -67.16%
Rolling Volatility
Loading…
Drawdown
Loading…
Relative Strength
Loading…
Monthly Returns Heatmap
From To
Loading…
Annual Monthly Returns
Loading…
Daily Returns Distribution
vs.
Loading histogram data…

Revenue flow

Revenue by geography

Revenue by segment

From To

Revenue composition

From To

By product

By geography

Financial Statements

Income Statement

Balance Sheet

Cash Flow Statement

Key Metrics

Financial Ratios

Employees

Financial Growth (CAGR)

Market Data

Price Targets & DCF
Current price
70.00
DCF (Unlevered) 287.77 +311.1%
DCF (Levered) 245.93 +251.3%

DCF figures are point estimates: small changes in growth or discount-rate assumptions move them materially. Read them as a reference, not a precise target.

Ratings Trend (MoM) 67% Bullish
Rating 2026-05 Change
Strong Buy 0 0
Buy 4 -1
Hold 2 0
Sell 0 0
Strong Sell 0 0
Quality scores
Altman Z-Score
3.16
Safe zone
Piotroski F-Score
6 / 9
Average
MOAT Score
5 / 10
Developing
Composite Rating
A+
Overall Score
4 / 5
High
DCF Score
5 / 5
High
ROE Score
4 / 5
High
ROA Score
5 / 5
High
D/E Score
2 / 5
Medium
P/E Score
4 / 5
High
P/Book Score
4 / 5
High
Operational MOAT
✗ Below peers
  • ✓
    Revenue growth Specialty Retail: +6.4%
    +7.4% ★ Q1'26: +15.5% (vs Q1'24)
  • ✗
    EPS growth Specialty Retail: +20.6%
    -36.1% Q1'26: -16.6% (vs Q1'24)
  • ✓
    FCF margin FCF growth · Specialty Retail: +29.3%
    +3.5% Q1'26: +22.6% (vs Q1'24)
  • ✗
    EBIT margin Specialty Retail: +5.4%
    +10.5% ★ Q1'26: +12.4% (vs Q1'24)
  • ✗
    ROIC Specialty Retail: +6.5%
    +11.7% ★ Q1'26: +31.6% (vs Q1'24)
  • ✓
    Share dilution Specialty Retail: +0.1%
    -0.1% Q1'26: +0.5% (vs Q1'24)
  • ✓
    Debt / EBITDA Net debt/EBITDA · Specialty Retail: 0.14×
    0.56× Q1'26: 0.24× (vs Q1'24)
Valuation Multiples From To
Price Forecast (3Y) From To
Model
Adjust
P/E
Theoretical Return — If Invested Today

* These projections are based on analyst consensus estimates and user-defined valuation multiples. This table is for informational purposes only and does not constitute a recommendation to buy or sell any security. Past performance is not indicative of future results.

DCF Interactive Model (UFCF)
Projection years:
Market assumptions
▶ WACC components (optional)
Ke (Cost of Equity) = Rf + β (1.25) × ERP
WACC = 87% × Ke + 13% × Kd (4.1%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
—
Intrinsic value (base): 288.13 Current price: 70.00
Enterprise Value: — Equity Value: — Terminal Value: — TV as % of EV: —

Base values reflect the latest available data for this company and market conditions.

Consensus Estimates
Metric Jan 2015
actual 		Jan 2016
actual 		Jan 2017
actual 		Jan 2018
actual 		Jan 2019
actual 		Jan 2020
actual 		Jan 2021
actual 		Jan 2022
actual 		Jan 2023
actual 		Jan 2024
actual 		Jan 2025
actual 		Jan 2026
8 Rev. Ana.
6 EPS Ana. 		Jan 2027
7 Rev. Ana.
6 EPS Ana. 		Jan 2028
6 Rev. Ana.
5 EPS Ana. 		Jan 2029
3 Rev. Ana.
1 EPS Ana.
Revenue
353.30M
est: 353.63M (-0.1%)
381.60M
est: 380.89M (+0.2%)
398.20M
est: 399.86M (-0.4%)
422.10M
est: 422.72M (-0.1%)
436.00M
est: 436.02M (0.0%)
451.50M
est: 449.44M (+0.5%)
285.10M
est: 283.42M (+0.6%)
364.40M
est: 360.45M (+1.1%)
463.40M
est: 460.10M (+0.7%)
510.90M
est: 523.90M (-2.5%)
542.50M
est: 541.67M (+0.2%)
569.45M
548.29M – 580.17M
+5.1% YoY
614.61M
604.08M – 635.53M
+7.9% YoY
633.81M
618.71M – 644.68M
+3.1% YoY
653.89M
640.47M – 670.55M
+3.2% YoY
EBITDA
65.70M
est: 74.88M (-12.3%)
97.00M
est: 40.63M (+138.7%)
96.50M
est: 92.38M (+4.5%)
86.00M
est: 96.14M (-10.5%)
124.60M
est: 82.75M (+50.6%)
123.40M
est: 111.13M (+11.0%)
43.20M
est: 73.82M (-41.5%)
70.30M
est: 96.62M (-27.2%)
108.90M
est: 105.04M (+3.7%)
125.30M
est: 106.05M (+18.2%)
127.00M
est: 109.27M (+16.2%)
115.27M
110.99M – 117.44M
+5.5% YoY
124.41M
122.28M – 128.65M
+7.9% YoY
128.30M
125.24M – 130.50M
+3.1% YoY
132.36M
129.65M – 135.74M
+3.2% YoY
EBIT
55.60M
est: 33.02M (+68.4%)
87.00M
est: 61.00M (+42.6%)
85.40M
est: 93.11M (-8.3%)
75.20M
est: 90.74M (-17.1%)
76.20M
est: 77.80M (-2.1%)
73.20M
est: 79.04M (-7.4%)
-7.90M
est: 50.92M (-115.5%)
21.20M
est: 66.65M (-68.2%)
62.90M
est: 72.45M (-13.2%)
78.40M
est: 53.05M (+47.8%)
78.50M
est: 54.66M (+43.6%)
57.66M
55.52M – 58.75M
+5.5% YoY
62.23M
61.17M – 64.35M
+7.9% YoY
64.18M
62.65M – 65.28M
+3.1% YoY
66.21M
64.85M – 67.90M
+3.2% YoY
Net Income
33.20M
est: 50.12M (-33.8%)
66.40M
est: 35.78M (+85.6%)
65.70M
est: 69.54M (-5.5%)
58.30M
est: 69.56M (-16.2%)
51.40M
est: 60.08M (-14.4%)
51.60M
est: 54.38M (-5.1%)
-13.60M
est: 35.91M (-137.9%)
8.10M
est: 47.00M (-82.8%)
44.20M
est: 51.90M (-14.8%)
49.50M
est: 40.80M (+21.3%)
47.80M
est: 50.30M (-5.0%)
41.58M
39.78M – 43.38M
-17.3% YoY
46.37M
42.08M – 50.66M
+11.5% YoY
48.24M
43.23M – 53.25M
+4.0% YoY
53.12M
51.70M – 54.88M
+10.1% YoY
SGA
33.90M
est: 39.80M (-14.8%)
37.10M
est: 42.87M (-13.5%)
39.70M
est: 45.00M (-11.8%)
41.70M
est: 47.58M (-12.4%)
81.00M
est: 49.07M (+65.1%)
37.60M
est: 50.59M (-25.7%)
33.90M
est: 31.90M (+6.3%)
36.20M
est: 40.57M (-10.8%)
47.20M
est: 51.78M (-8.9%)
63.70M
est: 46.51M (+37.0%)
64.00M
est: 48.08M (+33.1%)
50.55M
48.67M – 51.50M
+5.1% YoY
54.56M
53.62M – 56.42M
+7.9% YoY
56.26M
54.92M – 57.23M
+3.1% YoY
58.05M
56.85M – 59.52M
+3.2% YoY
EPS
0.11
est: 0.14 (-23.4%)
0.19
est: 0.17 (+12.1%)
0.19
est: 0.18 (+4.3%)
0.17
est: 0.19 (-8.4%)
0.15
est: 0.17 (-13.6%)
0.15
est: 0.16 (-6.1%)
-0.04
est: -0.02 (-73.7%)
0.02
est: 0.03 (-10.7%)
0.13
est: 0.12 (+10.6%)
0.14
est: 0.12 (+18.4%)
0.14
est: 0.14 (-2.5%)
0.12
0.11 – 0.12
-16.3% YoY
0.13
0.12 – 0.15
+8.1% YoY
0.14
0.12 – 0.15
+8.6% YoY
0.15
0.15 – 0.16
+7.9% YoY
Historical Ratings (3M)
Date Rating Overall DCF ROE ROA D/E P/E P/B
2026-05-11 A+ 4/5 5/5 4/5 5/5 2/5 4/5 4/5
2026-05-08 A+ 4/5 5/5 4/5 5/5 2/5 4/5 4/5
2026-05-07 A+ 4/5 5/5 4/5 5/5 2/5 4/5 4/5
2026-05-06 A+ 4/5 5/5 4/5 5/5 2/5 4/5 4/5
2026-05-05 A+ 4/5 5/5 4/5 5/5 2/5 4/5 4/5
2026-05-01 A 4/5 5/5 4/5 5/5 1/5 4/5 4/5
2026-04-30 A 4/5 5/5 4/5 5/5 1/5 4/5 4/5
2026-04-29 A 4/5 5/5 4/5 5/5 1/5 4/5 4/5
2026-04-28 A 4/5 5/5 4/5 5/5 1/5 4/5 4/5
2026-04-27 A 4/5 5/5 4/5 5/5 1/5 4/5 4/5
2026-04-24 A 4/5 5/5 4/5 5/5 1/5 4/5 4/5
2026-04-23 A 4/5 5/5 4/5 5/5 1/5 4/5 4/5
2026-04-22 A 4/5 5/5 4/5 5/5 1/5 4/5 4/5
2026-04-21 A 4/5 5/5 4/5 5/5 1/5 4/5 4/5
2026-04-20 A 4/5 5/5 4/5 5/5 1/5 4/5 4/5
2026-04-17 A 4/5 5/5 4/5 5/5 1/5 4/5 4/5
2026-04-16 A 4/5 5/5 4/5 5/5 1/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
207.07M
OE per share TTM
0.59
Owner's Yield
88.76%
Maintenance CapEx ratio
66.74%
Maint CapEx / Avg PPE
33.0%

Ownership Overview

Ownership breakdown

Ownership breakdown not available.

At a glance
Institutional holders
—
Total invested
—
Insider transactions (90d)
0
Beneficial owners (>5%)
0
Beneficial owners (>5%)

No beneficial ownership filings recorded.

Institutional Activity (13F)

Institutional ownership trend

Institutional history not available.

Top institutional holders

Top holders not available.

ETF Ownership

Top ETFs holding this stock Held by 12 ETFs in our universe
# ETF Weight Est. AUM exposure TER
1 WisdomTree UK Quality Dividend Growth UCITS ETF - GBP UGRW.L 0.36% 39.2K 0.29%
2 WisdomTree Europe SmallCap Dividend UCITS ETF Acc DFEA.L 0.13% 117.3K 0.38%
3 WisdomTree Europe SmallCap Dividend UCITS ETF WTES.DE 0.13% 117.3K 0.38%
4 WisdomTree International SmallCap Dividend Fund DLS 0.05% 531.3K 0.58%
5 WisdomTree Dynamic International SmallCap Equity ETF DDLS 0.05% 215.2K 0.48%
6 WisdomTree Europe Equity Income UCITS ETF WTEE.DE 0.04% 102.3K 0.29%
7 WisdomTree Europe Equity Income UCITS ETF Acc EEIA.L 0.04% 102.3K 0.29%
8 Dimensional - International Small Cap Value ETF DISV 0.03% 1.23M 0.42%
9 WisdomTree International High Dividend Fund DTH 0.02% 135.6K 0.58%
10 Dimensional - International Small Cap ETF DFIS 0.01% 429.5K 0.39%

Insider Activity

Insider Activity — Latest Quarter

No insider activity available.

Insider buys vs sells (history)

Insider history not available.

Recent insider transactions

No recent insider transactions.

Executive team

Top executives
EBIT / Employee
6.9K
Shares Outstanding
345.32M

Executive compensation

Executive compensation (annual)

Executive compensation not available.

CEO compensation breakdown

No CEO compensation history available.

Proxy statements

Proxy statements (DEF 14A)

No proxy statements available for this company yet.

Recent SEC filings

Recent SEC filings

No SEC filings available for this company yet.

Executive team

NameTitleCompensationGender
Darcy Willson-Rymer Chief Executive Officer & Executive Director 762.2K male
Matthias Seeger Chief Financial Officer & Director 513.0K male
Glyn Williams Customer & Multi-Channel Director — male
Helen Lockwood Human Resources Director — female
Pierre Hyde Strategy and Insight Director — male
Adam Dury Chief Commercial Officer — male
Simon Comer Group Financial Controller — —
Christopher Beck Supply Chain & Logistics Director — male
ESG Score History

No data available for this company.

Senate Trading Activity

No Senate trading activity found for this company.

House Trading Activity

No House trading activity found for this company.

Market share among peers
Peer comparison — filtered group (TTM)
Your opinion

Share your view on this stock and instantly see how the community has voted over the last 6 months.

These are community opinions and do not constitute buy or sell advice to act on. The results shown are based on aggregated opinions and are not an investment recommendation, nor do they intend to influence any investment decision.

Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits

Related companies

Largest companies in Specialty Retail