Card Factory PLC

CARD · LSE · Consumer Cyclical / Specialty Retail

85.00GBX-1.90 (-2.19%)

Price History

Full chart

Market Stats

Previous Close86.90

Open84.00

Day Range83.30 – 86.84

52-Week Range55.34 – 101.56

Volume615.44K

Market Cap271.34M

P/E (TTM)8.22

Forward P/E5.72

EPS0.10

Dividend Yield6.20%

Beta1.29

50-Day Avg74.01

200-Day Avg69.02

About

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: Stores, Digital, Wholesale partnerships, and Printcraft. The company offers greeting cards and gifts through cardfactory stores, cardfactory online, and network of third-party retail partners; and personalised cards and gifts through online retailer, as well as manufacture and sell greeting cards and personalised gifts through its stores and digital 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.

Company Details

SectorConsumer Cyclical
IndustrySpecialty Retail
CEOMr. Darcy Willson-Rymer
Employees8.37K
HeadquartersCentury House, Wakefield, United Kingdom, WF2 0XG, UK
Websitehttps://www.cardfactoryinvestors.com

Leadership

Mr. Darcy Willson-RymerCEO & Executive Director · b. 1965
Mr. Matthias Alexander SeegerCFO & Director · b. 1963
Ms. Helen LockwoodHuman Resources Director · b. 1967
Mr. Glyn WilliamsCustomer & Multi-Channel Director

Financials

Income Statement

Currency: GBP	2012-01-31	2013-01-31	2014-01-31	2015-01-31	2016-01-31	2017-01-31	2018-01-31	2019-01-31	2020-01-31	2021-01-31	2022-01-31	2023-01-31	2024-01-31	2025-01-31	2026-01-31
Total Revenue	265.50M	299.90M	326.90M	353.30M	381.60M	398.20M	422.10M	436.00M	451.50M	285.10M	364.40M	463.40M	510.90M	542.50M	582.70M
Growth (%)	-	+12.96%	+9.00%	+8.08%	+8.01%	+4.35%	+6.00%	+3.29%	+3.56%	-36.85%	+27.81%	+27.17%	+10.25%	+6.19%	+7.41%
Cost of Revenue	181.90M	204.80M	225.20M	240.00M	259.20M	271.60M	297.00M	270.40M	339.70M	255.20M	297.00M	348.70M	372.30M	348.70M	447.50M
Gross Profit	83.60M	95.10M	101.70M	113.30M	122.40M	126.60M	125.10M	165.60M	111.80M	29.90M	67.40M	114.70M	138.60M	193.80M	135.20M
Gross Margin	31.49%	31.71%	31.11%	32.07%	32.08%	31.79%	29.64%	37.98%	24.76%	10.49%	18.50%	24.75%	27.13%	35.72%	23.20%
Operating Expense	24.50M	27.20M	30.70M	33.90M	37.10M	39.70M	41.70M	81.00M	37.60M	33.90M	36.20M	47.20M	62.20M	114.50M	74.10M
Operating Income	59.10M	67.90M	71.00M	79.40M	85.30M	86.90M	83.40M	84.60M	74.20M	-4.00M	31.20M	67.50M	76.40M	79.30M	61.10M
Operating Margin	22.26%	22.64%	21.72%	22.47%	22.35%	21.82%	19.76%	19.40%	16.43%	-1.40%	8.56%	14.57%	14.95%	14.62%	10.49%
EBITDA	63.90M	74.70M	77.10M	65.70M	97.00M	96.50M	86.00M	124.60M	123.40M	43.20M	70.30M	108.90M	125.30M	127.00M	114.60M
EBITDA Margin	24.07%	24.91%	23.59%	18.60%	25.42%	24.23%	20.37%	28.58%	27.33%	15.15%	19.29%	23.50%	24.53%	23.41%	19.67%
Net Income	8.40M	13.10M	18.40M	33.20M	66.40M	65.70M	58.30M	51.40M	51.60M	-13.60M	8.10M	44.20M	49.50M	47.80M	31.20M
Net Income Margin	3.16%	4.37%	5.63%	9.40%	17.40%	16.50%	13.81%	11.79%	11.43%	-4.77%	2.22%	9.54%	9.69%	8.81%	5.35%
Interest Expense	40.60M	44.50M	41.30M	12.90M	3.60M	2.80M	2.80M	8.50M	8.30M	8.90M	20.50M	11.40M	13.40M	15.40M	15.80M
Interest Expense % of Total Revenue	15.29%	14.84%	12.63%	3.65%	0.94%	0.70%	0.66%	1.95%	1.84%	3.12%	5.63%	2.46%	2.62%	2.84%	2.71%

Balance Sheet

Currency: GBP	2012-01-31	2013-01-31	2014-01-31	2015-01-31	2016-01-31	2017-01-31	2018-01-31	2019-01-31	2020-01-31	2021-01-31	2022-01-31	2023-01-31	2024-01-31	2025-01-31	2026-01-31
Total Assets	452.70M	484.70M	468.50M	504.60M	456.10M	445.80M	446.50M	582.30M	568.80M	532.50M	536.00M	537.20M	552.10M	615.60M	660.90M
Total Liabilities	452.30M	471.20M	437.40M	221.70M	190.40M	196.30M	228.10M	362.20M	347.30M	326.00M	316.40M	269.00M	236.30M	268.70M	306.40M
Total Equity	400.00K	13.50M	31.10M	282.90M	265.70M	249.50M	218.40M	220.10M	221.50M	206.50M	219.60M	268.20M	315.80M	346.90M	354.50M
Cash	37.10M	64.70M	40.70M	69.00M	11.30M	3.00M	3.60M	3.80M	5.50M	12.50M	38.30M	11.70M	11.30M	16.50M	18.80M
Total Debt	408.10M	425.30M	387.50M	170.40M	134.20M	138.10M	164.50M	294.90M	293.40M	263.70M	230.30M	172.70M	145.80M	184.40M	208.50M
Net Debt	371.00M	360.60M	346.80M	101.40M	122.90M	135.10M	160.90M	291.10M	287.90M	251.20M	192.00M	161.00M	134.50M	167.90M	189.70M

Cash Flow

Currency: GBP	2012-01-31	2013-01-31	2014-01-31	2015-01-31	2016-01-31	2017-01-31	2018-01-31	2019-01-31	2020-01-31	2021-01-31	2022-01-31	2023-01-31	2024-01-31	2025-01-31	2026-01-31
Operating Cash Flow	49.70M	68.50M	67.00M	75.30M	79.20M	81.80M	72.70M	128.70M	110.20M	73.60M	98.50M	91.90M	105.20M	88.90M	103.90M
Investing Cash Flow	-21.50M	-13.60M	-12.00M	-10.60M	-12.00M	-10.30M	-13.00M	-11.90M	-14.10M	-7.00M	-6.90M	-18.20M	-30.00M	-40.50M	-45.10M
Financing Cash Flow	-28.30M	-27.30M	-79.00M	-36.40M	-124.90M	-88.50M	-65.30M	-101.70M	-97.90M	-56.10M	-65.80M	-102.10M	-73.20M	-42.90M	-57.50M
Capital Expenditure	13.00M	13.70M	10.60M	9.20M	10.50M	8.60M	10.60M	10.30M	14.50M	7.50M	6.90M	18.20M	27.80M	18.40M	11.70M
Free Cash Flow	36.70M	54.80M	56.40M	66.10M	68.70M	73.20M	62.10M	118.40M	95.70M	66.10M	91.60M	73.70M	77.40M	70.50M	92.20M
Dividends Paid	-	-	31.70M	31.70M	82.80M	81.10M	82.90M	48.90M	48.90M	48.90M	-	-	-	19.80M	17.20M
FCF to OCF	73.84%	80.00%	84.18%	87.78%	86.74%	89.49%	85.42%	92.00%	86.84%	89.81%	92.99%	80.20%	73.57%	79.30%	88.74%
Dividend Paid to FCF	-	-	56.21%	47.96%	120.52%	110.79%	133.49%	41.30%	51.10%	73.98%	-	-	-	28.09%	18.66%

Earnings

Report Date	Sep 29, 2026	Apr 27, 2027
EPS Estimate	-	-
EPS Actual	-	-
Surprise	-	-
Timing	After-hours	After-hours

Key Statistics & Ratios

Market Cap271.34M

Enterprise Value425.44M

Trailing P/E8.22

Forward P/E5.72

Price / Sales0.46

Price / Book0.67

EPS0.10

Book Value1.02

Revenue (TTM)595.90M

Gross Profit (TTM)198.50M

EBITDA85.10M

Profit Margin5.84%

Operating Margin6.83%

Return on Equity10.16%

Return on Assets7.08%

Shares Outstanding330.10M

Shares Float306.72M

Beta1.29

Dividend Yield6.20%

Dividend Rate0.05

Payout Ratio50.00%

Dividends

20262×

0.01Nov 5, 20260.04May 28, 2026

20252×

0.01Nov 6, 20250.04May 29, 2025

20242×

0.01Oct 31, 20240.04May 30, 2024

20192×

0.08Nov 7, 20190.06May 9, 2019

20182×

0.08Nov 8, 20180.06May 3, 2018

20172×

0.18Nov 9, 20170.06May 4, 2017

20162×

0.18Oct 20, 20160.06May 5, 2016

20152×

0.17Oct 15, 20150.07Apr 30, 2015