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Card Factory Plc (CRFCF)

USD0.91 +0.00 (+0.00%)
GB OTC Consumer Cyclical Specialty Retail
Address Century House WF2 0XG
Wakefield, KS, GB
CEO Darcy Willson-Rymer
IPO 2021-04-08
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 engages in retailing greeting cards and related gifting items. It operates through the following segments: Cardfactory Stores, Cardfactory Online, Partnerships, and Other. The Cardfactory Stores segment retails greeting cards, celebration accessories, and gifts through a network of stores in the United Kingdom and Republic of Ireland. The Cardfactory Online segment includes retailing of greeting cards, celebration accessories, and gifts via its online platforms. The Partnerships segment represents its business-to-business operations and sells greeting cards, celebration accessories, and gifts across various brands via a network of third-party retail partners both in the United Kingdom and overseas. The Other segment relates to Printcraft that manufactures greeting cards and personalized gifts and sells its output intra-group to the stores and online businesses. It also operates through the following geographical segments: South Africa, Republic of Ireland, United States of America, and Rest of the World. The company was founded in 1997 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
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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
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Price Chart
Averages
Trend
Price
Levels
Draw
USD0.91 +0.00 (+0.00%)
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Volume Profile
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Liquidity & share structure
Average Volume
329
Beta
1.29
Float Shares
314.45M
Free Float %
91.1%
Price Performance
1D5D1M3M6M YTD1Y3Y5Y10YMax
+0.00% +0.00% +1.40% -0.64% -29.25% -0.64% -34.34% +3,550.56% -32.40% -17.03% -17.03%
Rolling Volatility
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Drawdown
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Relative Strength
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Monthly Returns Heatmap
From To
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Annual Monthly Returns
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Daily Returns Distribution
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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

Analyst Consensus (1 ratings, all time) Buy
Price Targets & DCF
Current price
0.91
DCF (Unlevered) 5.90 +546.1%
DCF (Levered) 5.65 +518.8%

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.

Quality scores
Altman Z-Score
3.18
Safe zone
Piotroski F-Score
6 / 9
Average
MOAT Score
5 / 10
Developing
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%
    -37.4% Q1'26: -16.9% (vs Q1'24)
  • FCF margin FCF growth · Specialty Retail: +29.3%
    +12.7% Q1'26: +22.6% (vs Q1'24)
  • EBIT margin Specialty Retail: +5.4%
    +10.5% Q1'26: +13.4% (vs Q1'24)
  • ROIC Specialty Retail: +6.5%
    +8.0% Q1'26: +23.2% (vs Q1'24)
  • Share dilution Specialty Retail: +0.1%
    -0.1% Q1'26: +0.4% (vs Q1'24)
  • Debt / EBITDA Net debt/EBITDA · Specialty Retail: 0.14×
    1.82× Q1'26: 0.72× (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 = 53% × Ke + 47% × Kd (7.6%) × (1−t)

Modifying these values recalculates WACC automatically.

Business assumptions
Intrinsic value (base): 6.26 Current price: 0.91
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.
1 EPS Ana.
Jan 2027
7 Rev. Ana.
1 EPS Ana.
Jan 2028
7 Rev. Ana.
1 EPS Ana.
Jan 2029
3 Rev. Ana.
1 EPS Ana.
Revenue
353.30M
est: 531.11M (-33.5%)
381.60M
est: 540.30M (-29.4%)
398.20M
est: 503.06M (-20.8%)
422.10M
est: 601.13M (-29.8%)
436.00M
est: 573.57M (-24.0%)
451.50M
est: 592.45M (-23.8%)
285.10M
est: 389.20M (-26.7%)
364.40M
est: 484.69M (-24.8%)
463.40M
est: 566.84M (-18.2%)
510.90M
est: 642.29M (-20.5%)
542.50M
est: 546.49M (-0.7%)
569.38M
548.23M – 580.10M
+4.2% YoY
611.21M
600.75M – 632.02M
+7.3% YoY
630.31M
615.30M – 641.12M
+3.1% YoY
650.27M
636.93M – 666.84M
+3.2% YoY
EBITDA
65.70M
est: 112.47M (-41.6%)
97.00M
est: 114.41M (-15.2%)
96.50M
est: 106.53M (-9.4%)
86.00M
est: 127.30M (-32.4%)
124.60M
est: 121.46M (+2.6%)
123.40M
est: 125.46M (-1.6%)
43.20M
est: 82.42M (-47.6%)
70.30M
est: 102.64M (-31.5%)
108.90M
est: 120.04M (-9.3%)
125.30M
est: 136.01M (-7.9%)
127.00M
est: 109.26M (+16.2%)
113.84M
109.61M – 115.98M
+4.2% YoY
122.20M
120.11M – 126.36M
+7.3% YoY
126.02M
123.02M – 128.18M
+3.1% YoY
130.01M
127.34M – 133.32M
+3.2% YoY
EBIT
55.60M
est: 49.60M (+12.1%)
87.00M
est: 50.46M (+72.4%)
85.40M
est: 46.98M (+81.8%)
75.20M
est: 56.14M (+34.0%)
76.20M
est: 53.56M (+42.3%)
73.20M
est: 55.33M (+32.3%)
-7.90M
est: 36.35M (-121.7%)
21.20M
est: 45.26M (-53.2%)
62.90M
est: 52.94M (+18.8%)
78.40M
est: 59.98M (+30.7%)
78.50M
est: 83.97M (-6.5%)
87.48M
84.23M – 89.13M
+4.2% YoY
93.91M
92.30M – 97.11M
+7.3% YoY
96.84M
94.54M – 98.51M
+3.1% YoY
99.91M
97.86M – 102.46M
+3.2% YoY
Net Income
33.20M
est: 75.27M (-55.9%)
66.40M
est: 83.96M (-20.9%)
65.70M
est: 80.00M (-17.9%)
58.30M
est: 92.20M (-36.8%)
51.40M
est: 79.79M (-35.6%)
51.60M
est: 73.55M (-29.8%)
-13.60M
est: -10.99M (-23.8%)
8.10M
est: 12.46M (-35.0%)
44.20M
est: 50.55M (-12.6%)
49.50M
est: 60.69M (-18.4%)
47.80M
est: 50.58M (-5.5%)
41.95M
40.83M – 43.33M
-17.1% YoY
45.08M
43.88M – 46.57M
+7.5% YoY
48.94M
47.63M – 50.56M
+8.6% YoY
52.82M
51.41M – 54.57M
+7.9% YoY
SGA
33.90M
est: 59.78M (-43.3%)
37.10M
est: 60.81M (-39.0%)
39.70M
est: 56.62M (-29.9%)
41.70M
est: 67.66M (-38.4%)
81.00M
est: 64.56M (+25.5%)
37.60M
est: 66.68M (-43.6%)
33.90M
est: 43.80M (-22.6%)
36.20M
est: 54.55M (-33.6%)
47.20M
est: 63.80M (-26.0%)
63.70M
est: 72.29M (-11.9%)
64.00M
est: 62.41M (+2.5%)
65.03M
62.61M – 66.25M
+4.2% YoY
69.80M
68.61M – 72.18M
+7.3% YoY
71.98M
70.27M – 73.22M
+3.1% YoY
74.26M
72.74M – 76.16M
+3.2% YoY
EPS
0.11
est: 0.22 (-49.0%)
0.19
est: 0.24 (-21.0%)
0.19
est: 0.23 (-17.1%)
0.17
est: 0.26 (-35.6%)
0.15
est: 0.23 (-34.3%)
0.15
est: 0.21 (-28.8%)
-0.04
est: -0.03 (-26.5%)
0.02
est: 0.04 (-33.6%)
0.13
est: 0.14 (-10.2%)
0.14
est: 0.17 (-19.4%)
0.14
est: 0.14 (-3.4%)
0.12
0.12 – 0.12
-17.1% YoY
0.13
0.13 – 0.13
+7.5% YoY
0.14
0.14 – 0.14
+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
2026-05-04 A+ 4/5 5/5 4/5 5/5 2/5 4/5 4/5

Owner Earnings

Owner's Earnings (history) From To
Owner alignment
Owner's Earnings TTM
218.85M
OE per share TTM
0.63
Owner's Yield
69.32%
Maintenance CapEx ratio
32.14%
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

This company is not held by any ETF in our universe.

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
6.6K
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 1M male
Matthias Seeger Chief Financial Officer & Director 697.3K 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

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Dividend yield history

Dividend history

Earnings history

Earnings reports

Stock splits