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

Card Factory (CARD) Ratios

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Card Factory Ratios

GB:CARD's free cash flow for Q2 2026 was £0.31. For the 2026 fiscal year, GB:CARD's free cash flow was decreased by £ and operating cash flow was £0.08. See a summary of the company’s cash flow.
Ratios
TTM
Dec 24Dec 24Dec 23Dec 22
Liquidity Ratios
Current Ratio
1.06 0.95 0.60 0.44 0.53
Quick Ratio
0.43 0.36 0.19 0.18 0.31
Cash Ratio
0.19 0.16 0.09 0.07 0.25
Solvency Ratio
0.17 0.36 0.41 0.34 0.18
Operating Cash Flow Ratio
0.97 0.85 0.86 0.53 0.65
Short-Term Operating Cash Flow Coverage
115.56 889.00 14.82 3.39 3.86
Net Current Asset Value
£ -185.60M£ -170.00M£ -162.50M£ -193.40M£ -236.10M
Leverage Ratios
Debt-to-Assets Ratio
0.34 0.30 0.26 0.32 0.43
Debt-to-Equity Ratio
0.65 0.53 0.46 0.64 1.05
Debt-to-Capital Ratio
0.39 0.35 0.32 0.39 0.51
Long-Term Debt-to-Capital Ratio
0.22 0.18 0.11 0.13 0.28
Financial Leverage Ratio
1.88 1.77 1.75 2.00 2.44
Debt Service Coverage Ratio
4.49 7.14 15.38 2.74 1.68
Interest Coverage Ratio
4.79 5.15 0.00 5.92 1.52
Debt to Market Cap
0.29 0.22 0.14 0.21 0.56
Interest Debt Per Share
0.67 0.57 0.42 0.54 0.73
Net Debt to EBITDA
2.30 1.32 1.07 1.42 2.39
Profitability Margins
Gross Profit Margin
34.93%35.72%27.13%24.75%18.50%
EBIT Margin
13.91%14.47%15.35%13.57%5.82%
EBITDA Margin
15.57%23.41%24.53%24.49%22.04%
Operating Profit Margin
13.00%14.62%14.95%14.57%8.56%
Pretax Profit Margin
10.35%11.82%12.84%11.31%3.05%
Net Profit Margin
7.71%8.81%9.69%9.54%2.22%
Continuous Operations Profit Margin
7.71%8.81%9.69%9.54%2.22%
Net Income Per EBT
74.48%74.57%75.46%84.35%72.97%
EBT Per EBIT
79.67%80.83%85.86%77.63%35.58%
Return on Assets (ROA)
6.71%7.76%8.97%8.23%1.51%
Return on Equity (ROE)
12.51%13.78%15.67%16.48%3.69%
Return on Capital Employed (ROCE)
13.60%15.51%17.77%18.53%8.13%
Return on Invested Capital (ROIC)
9.59%11.09%12.47%13.60%5.05%
Return on Tangible Assets
15.16%18.45%22.43%-42.95%-8.22%
Earnings Yield
12.65%14.42%15.44%13.59%4.05%
Efficiency Ratios
Receivables Turnover
29.59 45.21 65.50 231.70 62.83
Payables Turnover
5.12 16.85 14.83 11.94 9.55
Inventory Turnover
5.30 5.71 7.45 7.70 8.97
Fixed Asset Turnover
3.35 3.41 3.52 3.49 2.80
Asset Turnover
0.87 0.88 0.93 0.86 0.68
Working Capital Turnover Ratio
927.17 -20.13 -7.01 -5.47 -6.45
Cash Conversion Cycle
9.92 50.36 29.98 18.43 8.27
Days of Sales Outstanding
12.34 8.07 5.57 1.58 5.81
Days of Inventory Outstanding
68.87 63.96 49.02 47.42 40.68
Days of Payables Outstanding
71.29 21.67 24.61 30.56 38.22
Operating Cycle
81.20 72.03 54.59 48.99 46.49
Cash Flow Ratios
Operating Cash Flow Per Share
0.30 0.25 0.31 0.27 0.29
Free Cash Flow Per Share
0.26 0.20 0.23 0.22 0.27
CapEx Per Share
0.03 0.05 0.08 0.05 0.02
Free Cash Flow to Operating Cash Flow
0.89 0.79 0.74 0.80 0.93
Dividend Paid and CapEx Coverage Ratio
3.66 2.33 3.78 5.05 14.28
Capital Expenditure Coverage Ratio
9.04 4.83 3.78 5.05 14.28
Operating Cash Flow Coverage Ratio
0.47 0.48 0.72 0.53 0.43
Operating Cash Flow to Sales Ratio
0.19 0.16 0.21 0.20 0.27
Free Cash Flow Yield
27.14%21.27%24.14%22.66%45.81%
Valuation Ratios
Price-to-Earnings (P/E) Ratio
7.91 6.93 6.48 7.36 24.68
Price-to-Sales (P/S) Ratio
0.61 0.61 0.63 0.70 0.55
Price-to-Book (P/B) Ratio
1.00 0.96 1.02 1.21 0.91
Price-to-Free Cash Flow (P/FCF) Ratio
3.68 4.70 4.14 4.41 2.18
Price-to-Operating Cash Flow Ratio
3.26 3.73 3.05 3.54 2.03
Price-to-Earnings Growth (PEG) Ratio
-1.11 0.00 0.84 0.02 -0.15
Price-to-Fair Value
1.00 0.96 1.02 1.21 0.91
Enterprise Value Multiple
6.23 3.93 3.63 4.28 4.88
Enterprise Value
539.72M 499.36M 455.18M 486.21M 391.94M
EV to EBITDA
6.23 3.93 3.63 4.28 4.88
EV to Sales
0.97 0.92 0.89 1.05 1.08
EV to Free Cash Flow
5.83 7.08 5.88 6.60 4.28
EV to Operating Cash Flow
5.19 5.62 4.33 5.29 3.98
Tangible Book Value Per Share
-0.05 -0.03 -0.05 -1.09 -1.21
Shareholders’ Equity Per Share
0.97 0.99 0.92 0.78 0.64
Tax and Other Ratios
Effective Tax Rate
0.26 0.25 0.25 0.16 0.27
Revenue Per Share
1.59 1.55 1.49 1.35 1.07
Net Income Per Share
0.12 0.14 0.14 0.13 0.02
Tax Burden
0.74 0.75 0.75 0.84 0.73
Interest Burden
0.74 0.82 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 <0.01 <0.01 <0.01 <0.01
Income Quality
2.42 1.39 2.13 2.08 12.16
Currency in GBP