Intrinsiqq

Card Factory plc (CARD.XLON) Quality Score

CARD.XLON
Quality48

Business quality is the primary weakness (avg 15/100). Valuation is the relative bright spot.

Broad-market heuristics · Not a buy/sell signal

Valuation and growth

Earnings Multiple
90/100
10.3x

Under 20x, reasonable relative to earnings

Cash Flow Multiple
100/100
3.5x

Under 20x cash flow, well covered

Revenue Growth
70/100
7.9%

5–10% CAGR, steady but not exceptional

Cash Flow Growth
50/100
3.6%

2–5% CAGR, growing but slowly

Business Quality & Capital Allocation

Share Dilution
60/100
1.7%

Mild dilution under 2%

Margin Trend
0/100
-3.6pp

Contracted >2pp, margin pressure

Capital Structure
0/100
£190M

Net debt/FCF of 2.1x, high leverage

2023
£12M
£173M
2024
£11M
£146M
2025
£17M
£184M
2026
£19M
£209M
Return on Capital
0/100
7.7%

Below 8%, may not cover cost of capital

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Card Factory (CARD.XLON) quality: score, margins and returns

Card Factory (CARD.XLON) scores 48/100 on Intrinsiqq's quality score (a mixed business), a weighted blend of 8 metrics each scored 0 to 100, on 10.2% operating margins and 7.7% ROIC. Every metric is computed from company filings; this is analysis, not investment advice.

Frequently asked

Is Card Factory (CARD.XLON) a high-quality business?+

Card Factory scores 48 out of 100 on Intrinsiqq's quality score, a weighted blend of 8 metrics each scored 0 to 100, which rates it a mixed business on these measures. Recent figures include a 10.2% operating margin and a 7.7% return on invested capital. Quality and price are separate questions: even a great business can be a poor investment if you overpay, so read this score alongside the valuation. The metric-by-metric breakdown is on this scorecard.

What does Card Factory's quality score measure?+

Intrinsiqq's quality score weighs revenue and free-cash-flow growth, operating margins, return on invested capital, change in share count, and balance-sheet strength, each computed from CARD.XLON's company filings rather than opinion or sentiment. A higher score means a more durable, capital-efficient business; it is not a buy or sell signal. Open each metric on this page to see exactly where Card Factory scores well and where it falls behind.

What is Card Factory's return on invested capital (ROIC)?+

Card Factory earns about 7.7% on its invested capital, which is modest. ROIC measures how much profit a company generates per dollar put to work; sustained ROIC above its cost of capital is one of the clearest signs of a real competitive moat. Compare it to CARD.XLON's margins and growth on this scorecard to judge durability.

How profitable is Card Factory?+

Card Factory runs an operating margin of about 10.2% and a net margin of about 5.4%. Revenue has grown at roughly 12.5% a year recently. High, stable margins usually point to pricing power and operating discipline. Margins are most telling next to growth and returns on capital, all of which feed this quality score. This is analysis from company filings, not investment advice.

More on CARD.XLON: Overview · DCF valuation · Dividend safety · Financials
How the market compares: US profitability statistics

Related stocks: Specialty Retail

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Data sourced from company 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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