Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
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Data sourced from SEC EDGAR filings and third-party price providers. Scores, valuations, and metrics are algorithmic estimates. This is not investment advice. See our Terms and Methodology.
Card Factory plc is a leading UK-based specialist retailer of greeting cards, gifts, and celebration essentials. Founded in 1997 by Dean and Janet Hoyle in Wakefield, the company began with discounted greeting cards sold directly to consumers and has grown into a market leader serving customers across the UK and Ireland through over 1,090 stores, alongside expanding digital channels including its website and mobile apps. Card Factory plc distinguishes itself with a vertically integrated model that encompasses in-house design, manufacturing, and retail, enabling high-quality products at competitive prices while offering exclusive ranges, personalization options, and services like Click & Collect and event reminders. The company holds top positions for breadth of range, trust, and value among UK card and gift retailers, with FY24 revenue reaching £542.5 million and employing over 10,500 colleagues. It extends reach internationally via franchises and wholesale partnerships in regions like Australia, South Africa, and the Middle East, and recently acquired Funky Pigeon to strengthen its online presence. Card Factory plc supports Macmillan Cancer Support, having raised over £6 million, underscoring its community role in making celebrations accessible for all occasions and budgets.
£0.68
+£0.00 (+0.59%)
EOD Jul 3, 2026
10.19% operating margin is respectable but not wide. ROIC at 7.72%. Suggests the business covers its cost of capital, but doesn't point to a wide moat.
Revenue grew 7.4%, steady but not accelerating. Margins contracted 4.4pp, which offsets some of the top-line progress.
ROIC dropped from 11.91% to 7.72%, capital efficiency is deteriorating. Operating margin contracted 4.4pp YoY, cost discipline may be slipping.
7.6x earnings, 2.6x FCF. The multiple is below average. Either the market is pricing in deterioration you should investigate, or there's genuine value here.
Based on TTM earnings · Diluted shares
Profitability & Returns
Revenue (TTM)
£583M
▲ +7.4% YoY
Net Income (TTM)
£31M
▼ -34.7% YoY
Op. Margin
10.19%
▼ -4.4pp YoY
ROIC
7.72%
▼ -4.2pp YoY
Cash Flow & Balance Sheet
FCF (TTM)
£91M
▲ +28.9% YoY
Op. Cash Flow (TTM)
£103M
▲ +25.6% YoY
Net Debt
£190M
Cash & Equiv.
£19M
3Y CAGR: +7.9%
3Y CAGR: +3.6%
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At a P/E of 7.6 and a price-to-free-cash-flow of 2.6, Card Factory (CARD.XLON) trades below a two-stage DCF intrinsic value of about £3.98 per share, so at £0.68 the stock looks undervalued (485.2% below estimated intrinsic value). A high multiple is not the same as overvalued: fast-growing, high-quality businesses can deserve a premium. See the general approach in how to tell if a stock is overvalued.
On quality, Card Factory scores 49/100 on Intrinsiqq's quality scorecard (a mixed business on these measures), weighing growth, margins, returns on capital, share count, and balance-sheet strength. It currently yields about 7.3%; see dividend safety for coverage and history. All figures are computed from SEC filings; read the full methodology. This is analysis, not investment advice.
Intrinsiqq's two-stage DCF estimates an intrinsic value of about £3.98 per share for CARD.XLON, projecting its recent free cash flow forward with a growth rate that fades toward a long-run rate and discounting it back to today. Applying a 25% margin of safety gives a more conservative fair-value entry around £2.98. At today's £0.68, that puts the stock about 485.2% below estimated intrinsic value. The result is sensitive to the growth and discount-rate inputs, so it is best to run conservative, base and optimistic cases. You can adjust all of them yourself with the sliders on the DCF tab.
Card Factory scores 49 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which makes it a mixed business on these measures. Recent fundamentals include a 10.2% operating margin and a 7.7% return on invested capital. The score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, share-count change, and balance-sheet strength, all computed from SEC filings, not opinion. Because valuation only means something relative to quality, the full metric-by-metric breakdown is on the quality scorecard.
Yes, Card Factory pays a regular dividend of about £0.05 per share per year (typically in quarterly installments), a yield of roughly 7.3% at the current price. That is a payout ratio of about 55.1% of earnings, so the dividend is well covered. A low headline yield is not the same as a weak dividend: what matters is how well earnings and free cash flow cover the payout and whether it is growing, not the percentage alone. For CARD.XLON's full payout history, growth streak and dividend-safety score, see the dividends tab.
That depends on valuation and quality together, not either alone. CARD.XLON currently trades below its estimated intrinsic value and scores 49/100 on quality (mixed). It also yields about 7.3%. A cheap price is only a bargain if the business is durable, and a premium can be justified by genuine quality, so the two questions, "is it cheap?" and "is it good?", only make sense side by side. Read the valuation against the quality scorecard, run the DCF on your own assumptions, and decide for yourself. This is analysis from SEC filings, not investment advice.