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Card Factory PLC

Consumer Cyclical GB CARD

67.3GBX
1.60(2.44%)

Last update at 2026-06-12T07:27:00Z

Day Range

65.5068.10
LowHigh

52 Week Range

58.30114.20
LowHigh

Fundamentals

  • Previous Close 65.70
  • Market Cap225.51M
  • Volume161823
  • P/E Ratio5.43
  • Dividend Yield7.42%
  • EBITDA86.00M
  • Revenue TTM556.30M
  • Revenue Per Share TTM1.60
  • Gross Profit TTM 193.40M
  • Diluted EPS TTM0.12

Source: TradingView
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Analyst Recommendations

Financials

Income Statement

Balance Sheet

Change in Cash

Total Operating Cash

Dividends Paid

Breakdown 2025-01-31 2024-01-31 2023-01-31 2022-01-31 2021-01-31
Type yearly yearly yearly yearly yearly
Date 2025-01-31 2024-01-31 2023-01-31 2022-01-31 2021-01-31
Income before tax 64.10M 65.60M 52.40M 11.10M -16.40000M
Minority interest - - - - -
Net income 47.80M 49.50M 44.20M 8.10M -13.60000M
Selling general administrative - - - - -
Selling and marketing expenses - - - - -
Gross profit 193.80M 138.60M 160.70M 116.50M 79.40M
Reconciled depreciation 48.50M 46.30M 46.00M 49.10M 50.70M
Ebit 78.50M 79.00M 62.90M 13.20M -7.90000M
Ebitda 127.00M 125.30M 108.90M 62.30M 42.80M
Depreciation and amortization 48.50M 46.30M 46.00M 49.10M 50.70M
Non operating income net other - - - - -
Operating income 79.30M 76.40M 63.80M 31.60M -7.50000M
Other operating expenses 463.20M 431.90M 399.60M 340.80M 292.60M
Interest expense 15.40M 13.40M 10.50M 10.10M 8.50M
Tax provision 16.30M 16.10M 8.20M 3.00M -2.80000M
Interest income 0.20M - - - -
Net interest income -15.20000M -13.40000M -11.40000M -20.50000M -8.90000M
Extraordinary items - - - - -
Non recurring - - - - -
Other items - - - - -
Income tax expense 16.30M 16.10M 8.20M 3.00M -2.80000M
Total revenue 542.50M 510.90M 463.40M 364.40M 285.10M
Total operating expenses 114.50M 63.70M 96.90M 92.90M 86.90M
Cost of revenue 348.70M 372.30M 302.70M 247.90M 205.70M
Total other income expense net -15.20000M -10.80000M -14.20000M -17.50000M -11.50000M
Discontinued operations - - - - -
Net income from continuing ops 47.80M 49.50M 44.20M 8.10M -13.60000M
Net income applicable to common shares - - 44.20M 44.20M -13.60000M
Preferred stock and other adjustments - - - - -
Breakdown 2025-01-31 2024-01-31 2023-01-31 2022-01-31 2021-01-31
Type yearly yearly yearly yearly yearly
Date 2025-01-31 2024-01-31 2023-01-31 2022-01-31 2021-01-31
Total assets 615.60M 552.10M 537.20M 536.00M 532.50M
Intangible assets 34.00M 17.60M 12.50M 6.90M 6.50M
Earning assets - - - - -
Other current assets 9.10M 9.20M 8.90M 8.90M 9.80M
Total liab 268.70M 236.30M 269.00M 316.40M 326.00M
Total stockholder equity 346.90M 315.80M 268.20M 219.60M 206.50M
Deferred long term liab - - - - -
Other current liab 40.40M 64.20M 143.80M 121.10M 88.70M
Common stock 3.50M 3.50M 3.40M 3.40M 3.40M
Capital stock 3.50M 3.50M 3.40M 3.40M 3.40M
Retained earnings 137.70M 108.00M 57.00M 10.50M 1.40M
Other liab - - 0.30M - 1.30M
Good will 322.50M 313.80M 313.80M 313.80M 313.80M
Other assets - - 2.40M 4.60M 5.30M
Cash 16.50M 11.30M 11.70M 38.30M 12.50M
Cash and equivalents - - - - -
Total current liabilities 104.30M 122.10M 173.00M 152.20M 99.80M
Current deferred revenue - 0.40M -132.90000M -107.20000M -85.90000M
Net debt 167.90M 134.50M 161.20M 192.50M 251.40M
Short term debt 21.80M 32.40M 77.40M 66.60M 39.60M
Short long term debt 0.10M 7.10M 50.10M 25.50M 0.20M
Short long term debt total 184.40M 145.80M 172.90M 230.80M 263.90M
Other stockholder equity 205.70M 204.30M -60.40000M -13.90000M -4.80000M
Property plant equipment - - 132.70M - 148.20M
Total current assets 98.70M 73.80M 75.60M 80.30M 58.70M
Long term investments - - - - -
Net tangible assets - - -58.10000M - -113.80000M
Short term investments - 0.20M 1.10M 0.20M -
Net receivables 12.00M 7.80M 13.30M 8.10M 7.70M
Long term debt 73.90M 37.90M 17.40M 85.50M 118.80M
Inventory 61.10M 50.00M 45.30M 33.10M 36.40M
Accounts payable 20.70M 25.10M 84.70M 71.70M 57.40M
Total permanent equity - - - - -
Noncontrolling interest in consolidated entity - - - - -
Temporary equity redeemable noncontrolling interests - - - - -
Accumulated other comprehensive income - -0.60000M - - -295.30000M
Additional paid in capital - - - - -
Common stock total equity - - - - 3.40M
Preferred stock total equity - - - - -
Retained earnings total equity - - - - -
Treasury stock - - - - -
Accumulated amortization - - - - -
Non currrent assets other - 0.60M 0.30M 1.00M -468.50000M
Deferred long term asset charges - - - - -
Non current assets total 516.90M 478.30M 461.60M 455.70M 473.80M
Capital lease obligations 110.40M 100.80M 105.40M 119.80M 144.90M
Long term debt total - - - - -
Breakdown 2025-01-31 2024-01-31 2023-01-31 2022-01-31 2021-01-31
Type yearly yearly yearly yearly yearly
Date 2025-01-31 2024-01-31 2023-01-31 2022-01-31 2021-01-31
Investments -40.50000M -30.00000M -18.20000M -6.90000M -7.00000M
Change to liabilities - - 13.30M 0.00000M 13.20M
Total cashflows from investing activities -40.50000M -30.00000M -18.20000M -18.20000M -7.00000M
Net borrowings 30.00M -23.60000M -97.60000M -62.50000M -47.70000M
Total cash from financing activities -42.90000M -73.20000M -110.10000M -81.00000M -56.10000M
Change to operating activities - - -2.70000M -2.70000M -2.70000M
Net income 64.10M 49.50M 52.40M 11.10M -16.40000M
Change in cash 5.40M 1.20M -28.40000M 25.80M 10.50M
Begin period cash flow 11.10M 9.90M 38.30M 12.50M 2.00M
End period cash flow 16.50M 11.10M 9.90M 38.30M 12.50M
Total cash from operating activities 88.90M 105.20M 99.90M 113.70M 73.60M
Issuance of capital stock 0.50M 0.60M - - -
Depreciation 48.50M 46.30M 46.00M 49.10M 50.70M
Other cashflows from investing activities -6.60000M -9.00000M - - -
Dividends paid 19.80M - - - 48.90M
Change to inventory -11.20000M -1.20000M -12.20000M 3.30M 18.00M
Change to account receivables -3.30000M 3.60M -5.20000M 1.10M 2.20M
Sale purchase of stock - - - - -
Other cashflows from financing activities -53.60000M -50.20000M -37.20000M -16.00000M 18.40M
Change to netincome - - 16.50M 17.60M 2.70M
Capital expenditures 18.40M 27.80M 18.20M 6.90M 7.50M
Change receivables - - - - -
Cash flows other operating - - - - -
Exchange rate changes - - - - -
Cash and cash equivalents changes - - - - -
Change in working capital -22.10000M -6.10000M -6.80000M 28.50M 33.40M
Stock based compensation 2.30M 2.10M 1.70M 0.80M 0.80M
Other non cash items -3.90000M 13.40M 11.40M 20.50M 8.90M
Free cash flow 70.50M 77.40M 81.70M 106.80M 66.10M

Peer Comparison

Sector: Consumer Cyclical Industry: Specialty Retail

Company Change (GBX) Price (GBX) Trailing PE (x) Forward PE (x) Price Sales TTM (x) Price to Book Value (x) Enterprise Value to Revenue (x) Enterprise Value to EBITDA (x)
CARD
Card Factory PLC		 1.60 2.44% 67.30 5.43 4.83 0.41 0.65 0.75 3.42
FRAS
Frasers Group PLC		 14.50 1.86% 793.50 6.67 6.17 0.57 1.18 0.94 4.65
DNLM
Dunelm Group PLC		 5.49 0.69% 803.49 11.55 10.02 0.94 9.97 1.04 6.34
CURY
Currys PLC		 1.80 1.18% 154.30 11.14 9.32 0.15 0.59 0.23 4.07
PETS
Pets at Home Group Plc		 5.07 2.69% 193.27 11.08 11.11 0.57 0.84 0.79 5.13

Reports Covered

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Profile

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.

Card Factory PLC

Century House, Wakefield, United Kingdom, WF2 0XG

Key Executives

Name Title Year Born
Mr. Darcy Willson-Rymer CEO & Exec. Director NA
Mr. Kristian Lee CFO & Exec. Director NA
Ms. Helen Lockwood HR Director 1967
Mr. Adam Dury Chief Commercial Officer NA
Mr. Christopher Beck Supply Chain & Logistics Director 1974
Mr. John Smith Getting Personal Managing Director 1973
Mr. Andrew Wasley Printcraft Managing Director 1972
Mr. Pierre Hyde Strategy and Insight Director NA
Mr. Glyn Williams Customer & Multi-Channel Director NA
Mr. Darcy Willson-Rymer CEO & Executive Director 1965

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