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Card Factory PLC (GB:CARD)
LSE:CARD

Card Factory (CARD) AI Stock Analysis

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GB:CARD

Card Factory

(LSE:CARD)

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Outperform 76 (OpenAI - 4o)
Rating:76Outperform
Price Target:
111.00p
▲(58.35% Upside)
Card Factory's overall stock score is driven by its strong financial performance and strategic share repurchase activities, which enhance shareholder value. The attractive valuation further supports the stock's potential. Technical indicators are neutral, suggesting stability without significant upward or downward momentum.
Positive Factors
Business Model Strength
The vertically integrated model enhances cost efficiency and profit margins, providing a competitive edge by controlling production costs and quality.
Revenue Growth
Consistent revenue growth indicates expanding market reach and product adoption, supporting long-term business sustainability.
Cash Generation Ability
Strong cash generation supports operational flexibility and the ability to reinvest in growth opportunities, ensuring financial health.
Negative Factors
Capital Expenditure Management
Decreased free cash flow suggests a need for better capital expenditure management to maintain cash reserves and support future growth.
Profit Margin Pressure
Slight reduction in profit margins may indicate rising costs or pricing pressures, potentially impacting long-term profitability.
Debt Levels
While leverage is moderate, maintaining financial flexibility is crucial to avoid constraints on future strategic initiatives.

Card Factory (CARD) vs. iShares MSCI United Kingdom ETF (EWC)

Card Factory Business Overview & Revenue Model

Company DescriptionCard Factory plc operates as a specialist retailer of greeting cards in the United Kingdom. It operates through two segments, Card Factory and Getting Personal. The company designs, sources, prints, warehouses, produces, distributes, and sells greeting cards, dressings, balloons, and gifts. It also provides cards for various occasions; and online personalized cards and gifts. The company offers its products through various retail locations, as well as through its websites, such as cardfactory.co.uk and gettingpersonal.co.uk. It operates approximately 1,020 Card Factory stores; and 4 franchise stores. Card Factory plc was founded in 1992 and is headquartered in Wakefield, the United Kingdom.
How the Company Makes MoneyCard Factory primarily generates its revenue from the sale of greeting cards, gift wrap, and related merchandise through its physical retail outlets and online store. The company benefits from a low-cost production model that allows it to offer competitive pricing, which attracts a broad customer base. Key revenue streams include in-store sales, online sales, and seasonal promotions around major holidays. Additionally, Card Factory may engage in partnerships with various suppliers for exclusive product lines, enhancing its product offerings and driving sales. The company's ability to maintain a strong brand presence and capitalize on seasonal shopping trends significantly contributes to its earnings.

Card Factory Financial Statement Overview

Summary
Card Factory demonstrates strong financial performance with robust revenue growth, effective cost management, and solid profitability. The balance sheet is stable with moderate leverage, and cash flow generation is strong, though there is room for optimizing capital expenditures.
Income Statement
85
Very Positive
Card Factory has demonstrated robust revenue growth over the years, with a growth rate of 6.2% in the most recent year. The gross profit margin is strong at 35.7%, indicating effective cost management in production. The net profit margin stands at 8.8%, showing healthy profitability, though slightly reduced from the previous year. EBIT margin at 14.6% and EBITDA margin at 23.4% further support the company’s strong operational performance, despite slight decreases. Overall, the income statement highlights a stable and profitable growth trajectory.
Balance Sheet
78
Positive
Card Factory's balance sheet reflects moderate leverage with a Debt-to-Equity ratio of 0.53, indicating efficient use of debt relative to equity. The equity ratio is at 56.4%, showcasing a solid equity base. Return on Equity (ROE) is 13.8%, which is impressive and reflects good profitability relative to shareholders' equity. Overall, the balance sheet is stable, though the company should monitor its debt levels to maintain financial flexibility.
Cash Flow
80
Positive
The company's free cash flow has slightly decreased by 8.9% compared to the prior year, reflecting a need to control capital expenditures. However, the operating cash flow to net income ratio of 1.86 indicates strong cash generation relative to net income. Free cash flow to net income ratio remains robust at 1.47, demonstrating effective cash flow management. The cash flow statement suggests strong cash generation capabilities, which could be further optimized with refined capital spending.
BreakdownTTMDec 2024Dec 2024Dec 2023Dec 2022Dec 2021
Income Statement
Total Revenue556.30M510.90M542.50M463.40M364.40M285.10M
Gross Profit194.30M138.60M193.80M114.70M67.40M29.90M
EBITDA86.60M125.30M127.00M108.90M70.30M43.20M
Net Income42.90M49.50M47.80M44.20M8.10M-13.60M
Balance Sheet
Total Assets639.30M552.10M615.60M537.20M536.00M532.50M
Cash, Cash Equivalents and Short-Term Investments20.30M11.30M16.50M11.70M38.30M12.50M
Total Debt219.20M145.80M184.40M172.70M230.30M263.70M
Total Liabilities300.10M236.30M268.70M269.00M316.40M326.00M
Stockholders Equity339.20M315.80M346.90M268.20M219.60M206.50M
Cash Flow
Free Cash Flow92.50M77.40M70.50M73.70M91.60M57.70M
Operating Cash Flow104.00M105.20M88.90M91.90M98.50M65.20M
Investing Cash Flow-41.30M-30.00M-40.50M-18.20M-6.90M-7.00M
Financing Cash Flow-66.40M-73.20M-42.90M-102.10M-65.80M-47.70M

Card Factory Technical Analysis

Technical Analysis Sentiment
Negative
Last Price70.10
Price Trends
50DMA
95.35
Negative
100DMA
99.14
Negative
200DMA
93.20
Negative
Market Momentum
MACD
-6.19
Positive
RSI
16.52
Positive
STOCH
3.25
Positive
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:CARD, the sentiment is Negative. The current price of 70.1 is below the 20-day moving average (MA) of 91.58, below the 50-day MA of 95.35, and below the 200-day MA of 93.20, indicating a bearish trend. The MACD of -6.19 indicates Positive momentum. The RSI at 16.52 is Positive, neither overbought nor oversold. The STOCH value of 3.25 is Positive, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:CARD.

Card Factory Peers Comparison

Overall Rating
UnderperformOutperform
Sector (61)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
76
Outperform
£243.85M5.6813.18%6.89%6.18%4.22%
64
Neutral
£38.70M21.124.56%17.79%18.96%
63
Neutral
£604.43M51.057.52%13.21%-54.35%
61
Neutral
$18.38B12.79-2.54%3.03%1.52%-15.83%
60
Neutral
£22.13M2.5563.08%-1.96%28.69%
56
Neutral
£622.27M13.851.40%3.94%
46
Neutral
£281.97M-1.41-172.24%-65.42%27.73%
* Consumer Cyclical Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:CARD
Card Factory
71.10
-19.50
-21.52%
GB:DEBS
boohoo group Plc
22.00
-11.68
-34.68%
GB:AO
AO World
107.20
4.20
4.08%
GB:ANG
Angling Direct Plc
53.00
13.50
34.18%
GB:WRKS
TheWorks.co.uk plc
35.10
15.62
80.18%
GB:MOON
Moonpig Group Plc
201.00
-21.98
-9.86%

Card Factory Corporate Events

Stock BuybackBusiness Operations and Strategy
Card Factory Announces Share Repurchase
Neutral
Dec 4, 2025

Card Factory plc announced the repurchase of 100,000 ordinary shares, which will be held in treasury. The repurchase was conducted through UBS AG London Branch, with the highest price paid per share at 97.10 pence and the lowest at 95.90 pence. The transaction reflects the company’s strategic move to manage its share capital, potentially impacting shareholder value and market perception.

Stock BuybackBusiness Operations and Strategy
Card Factory Enhances Shareholder Value with Share Repurchase
Positive
Dec 3, 2025

Card Factory plc announced the repurchase of 100,000 ordinary shares, which will be held in treasury. This move is part of the company’s ongoing share repurchase program, reflecting its strategy to manage capital efficiently and potentially enhance shareholder value. The transaction details, including the highest and lowest prices paid per share, were disclosed, indicating a commitment to transparency in financial operations.

Stock Buyback
Card Factory Announces Share Repurchase
Neutral
Nov 28, 2025

Card Factory plc has announced the repurchase of 100,000 ordinary shares, which will be held in treasury. This move is part of the company’s share repurchase program, potentially impacting its share capital structure and providing flexibility in managing its capital. The shares were purchased at prices ranging from 97.20 to 98.90 pence, with a volume-weighted average price of 98.3061 pence. The announcement may influence shareholder calculations under the FCA’s Disclosure Guidance and Transparency Rules.

Stock Buyback
Card Factory Announces Share Repurchase
Neutral
Nov 27, 2025

Card Factory plc has announced the repurchase of 100,000 ordinary shares at prices ranging from 95.30 to 97.50 pence per share, with an average price of 96.6040 pence. This move is part of a share repurchase program and will see the shares held in treasury, potentially impacting shareholder calculations under the FCA’s Disclosure Guidance and Transparency Rules.

Stock Buyback
Card Factory Announces Share Repurchase
Neutral
Nov 26, 2025

Card Factory plc has announced the repurchase of 100,000 ordinary shares, which will be held in treasury. The transaction was conducted through UBS AG London Branch, with the highest price paid per share at 96.20 pence and the lowest at 95.00 pence. This move is part of the company’s share repurchase program, which may impact the calculation of shareholder interests under the FCA’s Disclosure Guidance and Transparency Rules.

Stock BuybackBusiness Operations and Strategy
Card Factory Executes Share Buyback to Strengthen Financial Position
Positive
Nov 24, 2025

Card Factory plc announced the purchase of 100,000 ordinary shares, which will be held in treasury, as part of its share repurchase program. This move is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value, reflecting a proactive approach in its financial management.

Stock BuybackBusiness Operations and Strategy
Card Factory Enhances Capital Structure with Share Repurchase
Positive
Nov 21, 2025

Card Factory plc announced the purchase of 100,000 ordinary shares, which will be held in treasury, as part of its share repurchase program. This move is part of the company’s strategy to manage its capital structure and potentially enhance shareholder value, reflecting its ongoing commitment to optimizing financial operations.

Stock BuybackBusiness Operations and Strategy
Card Factory Announces Share Repurchase
Positive
Nov 19, 2025

Card Factory plc announced the purchase of 100,000 ordinary shares, which will be held in treasury, as part of its share repurchase program. This move is likely aimed at consolidating the company’s share capital and potentially enhancing shareholder value, reflecting a strategic decision to manage its equity structure.

Stock BuybackBusiness Operations and Strategy
Card Factory Announces Share Repurchase Program
Neutral
Nov 18, 2025

Card Factory plc has announced the repurchase of 100,000 ordinary shares, which will be held in treasury. This move, executed through UBS AG London Branch, is part of the company’s share repurchase program, reflecting its strategic financial management and potentially impacting shareholder value. The repurchase details include a highest price of 97.00 pence and a lowest price of 95.80 pence per share, with a volume-weighted average price of 96.3051 pence.

Stock BuybackBusiness Operations and Strategy
Card Factory Announces Share Repurchase Program Update
Neutral
Nov 13, 2025

Card Factory plc announced the repurchase of 100,000 ordinary shares, which will be held in treasury. This move is part of the company’s share repurchase program and reflects its strategy to manage capital efficiently. The transaction details indicate a volume-weighted average price of 98.3134 pence per share, with the highest price paid being 99.80 pence and the lowest 97.40 pence. This action impacts the company’s share capital structure, with 1,090,000 shares now held in treasury, and provides shareholders with updated information for calculating their interests under the FCA’s rules.

Stock BuybackBusiness Operations and Strategy
Card Factory Announces Share Repurchase Program
Positive
Nov 12, 2025

Card Factory plc announced the repurchase of 100,000 ordinary shares at prices ranging from 97.40 to 100.00 pence per share, with an average price of 98.9437 pence, as part of its share repurchase program. This move, executed through UBS AG London Branch, reflects the company’s strategy to manage its capital structure and potentially enhance shareholder value by holding these shares in treasury.

Stock Buyback
Card Factory Announces Share Repurchase
Neutral
Nov 11, 2025

Card Factory plc announced the repurchase of 100,000 ordinary shares at a volume weighted average price of 98.7965 pence per share. These shares will be held in treasury, impacting the company’s share capital structure and potentially influencing shareholder calculations under the FCA’s Disclosure Guidance and Transparency Rules.

Stock BuybackBusiness Operations and Strategy
Card Factory Announces Share Repurchase to Strengthen Market Position
Positive
Nov 7, 2025

Card Factory plc announced the repurchase of 120,000 ordinary shares through UBS AG London Branch, which will be held in treasury. This transaction is part of the company’s share repurchase program and impacts the total issued ordinary share capital, which now comprises 351,595,922 shares. The move is likely aimed at consolidating the company’s market position and potentially enhancing shareholder value.

Stock BuybackBusiness Operations and Strategy
Card Factory Announces Share Repurchase as Part of Capital Management Strategy
Positive
Nov 6, 2025

Card Factory plc announced the repurchase of 120,000 ordinary shares, which will be held in treasury. This move is part of the company’s share repurchase program aimed at consolidating its share capital and potentially enhancing shareholder value. The transaction reflects the company’s strategic focus on managing its capital structure effectively.

Stock Buyback
Card Factory Announces Share Repurchase Program
Neutral
Nov 5, 2025

Card Factory plc has announced the repurchase of 100,000 ordinary shares at a volume-weighted average price of 100.8725 pence per share. These shares will be held in treasury, impacting the company’s share capital and potentially affecting shareholder calculations under the FCA’s Disclosure Guidance and Transparency Rules.

Stock BuybackBusiness Operations and Strategy
Card Factory Enhances Shareholder Value with Share Repurchase
Positive
Nov 4, 2025

Card Factory plc announced the repurchase of 150,000 ordinary shares, which will be held in treasury. This move is part of their share repurchase program, reflecting strategic financial management and potentially impacting shareholder value. The company’s issued ordinary share capital now comprises 351,595,922 shares, with 350,000 held in treasury, which may influence shareholder interest notifications under FCA rules.

Stock Buyback
Card Factory Announces Share Repurchase Program
Neutral
Nov 3, 2025

Card Factory plc has announced the repurchase of 100,000 ordinary shares, which will be held in treasury. This move is part of a share repurchase program executed through UBS AG London Branch, with the highest price paid per share being 104 pence and the lowest 102.40 pence. The company’s issued ordinary share capital now comprises 351,595,922 shares, with 200,000 held in treasury, impacting shareholder calculations under the FCA’s Disclosure Guidance and Transparency Rules.

Stock BuybackBusiness Operations and Strategy
Card Factory Announces Share Repurchase of 100,000 Shares
Positive
Oct 31, 2025

Card Factory plc announced the repurchase of 100,000 ordinary shares at an average price of 102.9349 pence per share, which will be held in treasury. This transaction is part of the company’s share repurchase program, reflecting a strategic move to manage its share capital and potentially enhance shareholder value.

Stock BuybackRegulatory Filings and Compliance
Card Factory Launches Share Repurchase Program
Neutral
Oct 30, 2025

Card Factory plc has initiated a share repurchase program to buy back shares to be used for employee share plans, running from 30 October 2025 to 31 January 2026. This move is in compliance with regulatory standards and aims to manage the company’s share capital effectively, potentially impacting its market positioning and stakeholder interests.

Regulatory Filings and Compliance
Card Factory Announces Total Voting Rights Update
Neutral
Sep 30, 2025

Card Factory has announced that its issued ordinary share capital consists of 351,318,830 shares, each with a nominal value of 1p, and carrying one vote per share. This information is crucial for shareholders as it helps them determine their notification requirements regarding their interests in the company’s share capital under the FCA’s Disclosure Guidance and Transparency Rules.

M&A TransactionsBusiness Operations and StrategyFinancial Disclosures
Card Factory Reports Resilient Growth and Strategic Progress Amidst Challenges
Positive
Sep 30, 2025

Card Factory reported resilient revenue growth of 5.9% for the first half of 2025, with strategic progress in expanding its store network and digital presence. Despite inflationary pressures, the company maintained its full-year expectations, supported by strong seasonal performance and the acquisition of Funky Pigeon, which is set to enhance its digital strategy. The company’s efforts in expanding partnerships and evolving its product range have contributed positively to its performance, although challenges remain in the online segment. The acquisition of Funky Pigeon is expected to accelerate digital growth and provide significant synergy benefits by FY27.

Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.

Disclaimer

This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.Date of analysis: Dec 07, 2025