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Card Factory PLC (GB:CARD)
LSE:CARD
UK Market
CARD
Card Factory
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Card Factory (CARD) Ratios

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Card Factory Ratios

GB:CARD's free cash flow for Q4 2026 was £0.17. For the 2026 fiscal year, GB:CARD's free cash flow was decreased by £ and operating cash flow was £0.12. See a summary of the company’s cash flow.
Ratios
TTM
Jan 26Jan 25Jan 24Jan 23
Liquidity Ratios
Current Ratio
 0.89 0.89 0.60 0.44 0.53
Quick Ratio
 0.39 0.39 0.19 0.18 0.31
Cash Ratio
 0.16 0.16 0.09 0.07 0.25
Solvency Ratio
 0.10 0.28 0.41 0.34 0.18
Operating Cash Flow Ratio
 0.91 0.89 0.86 0.53 0.65
Short-Term Operating Cash Flow Coverage
 3.10 3.03 14.82 3.39 3.86
Net Current Asset Value
£ -202.30M£ -202.30M£ -162.50M£ -193.40M£ -236.10M
Leverage Ratios
Debt-to-Assets Ratio
 0.32 0.32 0.26 0.32 0.43
Debt-to-Equity Ratio
 0.59 0.59 0.46 0.64 1.05
Debt-to-Capital Ratio
 0.37 0.37 0.32 0.39 0.51
Long-Term Debt-to-Capital Ratio
 0.19 0.19 0.11 0.13 0.28
Financial Leverage Ratio
 1.86 1.86 1.75 2.00 2.44
Debt Service Coverage Ratio
 1.41 2.03 5.33 2.62 1.46
Interest Coverage Ratio
 0.00 3.87 5.70 5.92 1.52
Debt to Market Cap
 0.49 0.50 0.14 0.21 0.56
Interest Debt Per Share
 0.60 0.64 0.46 0.54 0.73
Net Debt to EBITDA
 3.10 1.66 1.07 1.48 2.73
Profitability Margins
Gross Profit Margin
23.20%23.20%27.13%24.75%18.50%
EBIT Margin
10.49%10.49%15.35%13.57%5.82%
EBITDA Margin
10.49%19.67%24.53%23.50%19.29%
Operating Profit Margin
10.49%10.49%14.95%14.57%8.56%
Pretax Profit Margin
7.53%7.53%12.84%11.31%3.05%
Net Profit Margin
5.35%5.35%9.69%9.54%2.22%
Continuous Operations Profit Margin
5.35%5.35%9.69%9.54%2.22%
Net Income Per EBT
71.07%71.07%75.46%84.35%72.97%
EBT Per EBIT
71.85%71.85%85.86%77.63%35.58%
Return on Assets (ROA)
4.72%4.72%8.97%8.23%1.51%
Return on Equity (ROE)
9.00%8.80%15.67%16.48%3.69%
Return on Capital Employed (ROCE)
11.22%11.22%17.77%18.53%8.13%
Return on Invested Capital (ROIC)
7.50%7.50%12.47%13.60%5.05%
Return on Tangible Assets
11.47%11.47%22.43%-42.95%-8.22%
Earnings Yield
12.80%13.24%15.44%13.59%4.05%
Efficiency Ratios
Receivables Turnover
 22.94 22.94 65.50 44.56 62.83
Payables Turnover
 6.06 6.06 14.83 11.94 9.55
Inventory Turnover
 7.60 7.60 7.45 7.70 8.97
Fixed Asset Turnover
 3.50 3.50 3.52 3.49 2.80
Asset Turnover
 0.88 0.88 0.93 0.86 0.68
Working Capital Turnover Ratio
 -211.89 -65.11 -7.01 -5.47 -6.45
Cash Conversion Cycle
 3.68 3.68 29.98 25.04 8.27
Days of Sales Outstanding
 15.91 15.91 5.57 8.19 5.81
Days of Inventory Outstanding
 48.04 48.04 49.02 47.42 40.68
Days of Payables Outstanding
 60.28 60.28 24.61 30.56 38.22
Operating Cycle
 63.95 63.95 54.59 55.61 46.49
Cash Flow Ratios
Operating Cash Flow Per Share
 0.31 0.30 0.31 0.27 0.29
Free Cash Flow Per Share
 0.27 0.26 0.23 0.22 0.27
CapEx Per Share
 0.03 0.03 0.08 0.05 0.02
Free Cash Flow to Operating Cash Flow
 0.89 0.89 0.74 0.80 0.93
Dividend Paid and CapEx Coverage Ratio
 3.69 3.60 3.78 5.05 14.28
Capital Expenditure Coverage Ratio
 9.10 8.88 3.78 5.05 14.28
Operating Cash Flow Coverage Ratio
 0.51 0.50 0.72 0.53 0.43
Operating Cash Flow to Sales Ratio
 0.18 0.18 0.21 0.20 0.27
Free Cash Flow Yield
39.26%39.11%24.14%22.66%45.81%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
 7.81 7.56 6.48 7.36 24.68
Price-to-Sales (P/S) Ratio
 0.41 0.40 0.63 0.70 0.55
Price-to-Book (P/B) Ratio
 0.69 0.66 1.02 1.21 0.91
Price-to-Free Cash Flow (P/FCF) Ratio
 2.55 2.56 4.14 4.41 2.18
Price-to-Operating Cash Flow Ratio
 2.29 2.27 3.05 3.54 2.03
Price-to-Earnings Growth (PEG) Ratio
 -0.22 -0.21 0.84 0.02 -0.15
Price-to-Fair Value
 0.69 0.66 1.02 1.21 0.91
Enterprise Value Multiple
 7.06 3.71 3.63 4.46 5.58
Enterprise Value
 431.19M 425.43M 455.18M 486.21M 391.94M
EV to EBITDA
 7.06 3.71 3.63 4.46 5.58
EV to Sales
 0.74 0.73 0.89 1.05 1.08
EV to Free Cash Flow
 4.55 4.61 5.88 6.60 4.28
EV to Operating Cash Flow
 4.05 4.09 4.33 5.29 3.98
Tangible Book Value Per Share
 -0.10 -0.10 -0.05 -1.09 -1.21
Shareholders’ Equity Per Share
 1.02 1.02 0.92 0.78 0.64
Tax and Other Ratios
Effective Tax Rate
 0.29 0.29 0.25 0.16 0.27
Revenue Per Share
 1.67 1.67 1.49 1.35 1.07
Net Income Per Share
 0.09 0.09 0.14 0.13 0.02
Tax Burden
 0.71 0.71 0.75 0.84 0.73
Interest Burden
 0.72 0.72 0.84 0.83 0.52
Research & Development to Revenue
 0.00 0.00 0.00 0.00 0.00
SG&A to Revenue
 0.00 0.00 0.00 0.00 0.00
Stock-Based Compensation to Revenue
 <0.01 0.00 <0.01 <0.01 <0.01
Income Quality
 3.41 3.33 2.13 2.08 12.16
Currency in GBP