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Card Factory PLC (GB:CARD)
LSE:CARD
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Card Factory (CARD) AI Stock Analysis

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GB:CARD

Card Factory

(LSE:CARD)

Rating:81Outperform
Price Target:
103.00p
▲(8.54%Upside)
Card Factory's strong financial performance and undervaluation are significant positives, supported by promising corporate events such as strategic acquisitions. Although technical analysis shows mixed signals, the overall outlook is positive.

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 generates revenue primarily through the sale of greeting cards and complementary products such as gifts, wrapping paper, and party supplies. The company operates a network of physical retail outlets across the UK and Ireland, which serve as the primary sales channels. Card Factory also has an online presence, allowing it to reach a broader audience and offer an extended range of products. Revenue is driven by the high volume of transactions in its stores, capitalizing on both everyday occasions and peak seasonal periods like Christmas, Valentine's Day, and Mother's Day. Additionally, Card Factory benefits from economies of scale in production and procurement, enabling it to offer competitive pricing while maintaining profitability.

Card Factory Financial Statement Overview

Summary
Card Factory shows strong revenue growth and profitability, with a robust gross profit margin and healthy net profit margin. The balance sheet is stable with moderate leverage and impressive ROE. Cash flow management is effective, indicating strong cash generation capabilities. Overall, the company is financially sound with opportunities to optimize capital spending.
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.
BreakdownMar 2025Mar 2024Mar 2023Mar 2022Mar 2021
Income Statement
Total Revenue542.50M510.90M463.40M364.40M285.10M
Gross Profit193.80M138.60M114.70M67.40M29.90M
EBITDA127.00M125.30M113.50M80.30M43.20M
Net Income47.80M49.50M44.20M8.10M-13.60M
Balance Sheet
Total Assets615.60M552.10M537.20M536.00M532.50M
Cash, Cash Equivalents and Short-Term Investments16.50M11.30M11.70M38.30M12.50M
Total Debt184.40M145.80M172.70M230.30M263.70M
Total Liabilities268.70M236.30M269.00M316.40M326.00M
Stockholders Equity346.90M315.80M268.20M219.60M206.50M
Cash Flow
Free Cash Flow70.50M77.40M73.70M91.60M57.70M
Operating Cash Flow88.90M105.20M91.90M98.50M65.20M
Investing Cash Flow-40.50M-30.00M-18.20M-6.90M-7.00M
Financing Cash Flow-42.90M-73.20M-102.10M-65.80M-47.70M

Card Factory Technical Analysis

Technical Analysis Sentiment
Positive
Last Price94.90
Price Trends
50DMA
91.61
Positive
100DMA
88.41
Positive
200DMA
88.23
Positive
Market Momentum
MACD
-0.12
Negative
RSI
63.89
Neutral
STOCH
70.87
Neutral
Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:CARD, the sentiment is Positive. The current price of 94.9 is above the 20-day moving average (MA) of 88.77, above the 50-day MA of 91.61, and above the 200-day MA of 88.23, indicating a bullish trend. The MACD of -0.12 indicates Negative momentum. The RSI at 63.89 is Neutral, neither overbought nor oversold. The STOCH value of 70.87 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:CARD.

Card Factory Peers Comparison

Overall Rating
UnderperformOutperform
Sector (62)
Financial Indicators
Name
Overall Rating
Market Cap
P/E Ratio
ROE
Dividend Yield
Revenue Growth
EPS Growth
81
Outperform
£310.84M6.4414.43%5.06%6.19%-4.44%
69
Neutral
£38.13M4.6963.08%0.16%287.23%
65
Neutral
£33.28M24.733.66%11.86%16.46%
64
Neutral
£691.47M890.75%0.47%5.32%-152.26%
63
Neutral
£530.81M50.276.87%-0.39%2.68%
62
Neutral
$17.27B9.93-8.46%3.20%1.63%-26.06%
48
Neutral
£257.21M-96.36%-16.32%-202.39%
* Consumer Cyclical Sector Average
Performance Comparison
Ticker
Company Name
Price
Change
% Change
GB:CARD
Card Factory
94.90
-18.78
-16.52%
GB:DEBS
boohoo group Plc
18.08
-14.22
-44.02%
GB:AO
AO World
92.00
-25.20
-21.50%
GB:ANG
Angling Direct Plc
45.50
9.50
26.39%
GB:WRKS
TheWorks.co.uk plc
60.50
36.35
150.52%
GB:MOON
Moonpig Group Plc
210.50
-6.54
-3.01%

Card Factory Corporate Events

Executive/Board ChangesBusiness Operations and Strategy
Card Factory CEO Increases Stake with New Share Purchase
Positive
Jul 30, 2025

Card Factory’s CEO, Darcy Willson-Rymer, has purchased 52,370 ordinary shares of the company, with a portion of the purchase fulfilling the company’s remuneration policy requirements. This transaction, conducted on the London Stock Exchange, increases Willson-Rymer’s stake to 0.252% of the company’s issued share capital, reflecting a commitment to aligning executive interests with shareholder value.

The most recent analyst rating on (GB:CARD) stock is a Buy with a £185.00 price target. To see the full list of analyst forecasts on Card Factory stock, see the GB:CARD Stock Forecast page.

M&A TransactionsBusiness Operations and Strategy
Card Factory Acquires Funky Pigeon to Boost Digital Strategy
Positive
Jul 29, 2025

Card Factory has announced its acquisition of Funky Pigeon from WH Smith PLC for £24 million, a move that accelerates its digital and omnichannel strategy. This acquisition is expected to enhance Card Factory’s online presence, making it the second largest online card and gift retailer in the UK. The integration of Funky Pigeon’s technology platform will drive operational efficiencies and improve customer experience, with anticipated earnings enhancement and synergy benefits exceeding £5 million annually. The acquisition will be funded through existing debt facilities, with minimal impact on leverage, and is expected to deliver strong returns for shareholders.

The most recent analyst rating on (GB:CARD) stock is a Buy with a £185.00 price target. To see the full list of analyst forecasts on Card Factory stock, see the GB:CARD Stock Forecast page.

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

Card Factory plc announced that its issued ordinary share capital consists of 350,039,789 shares, each carrying one vote, with no shares held in treasury. This information is crucial for shareholders to calculate their interests under the FCA’s Disclosure Guidance and Transparency Rules, impacting how they manage their investments in the company.

The most recent analyst rating on (GB:CARD) stock is a Buy with a £185.00 price target. To see the full list of analyst forecasts on Card Factory stock, see the GB:CARD Stock Forecast page.

Business Operations and Strategy
Card Factory Announces Change in Major Holdings
Neutral
Jun 27, 2025

Card Factory PLC has announced a change in its major holdings, with Artemis Investment Management LLP now holding 6.09126% of the voting rights. This acquisition of voting rights by Artemis could influence the company’s strategic decisions and impact its market position, reflecting potential shifts in stakeholder influence.

The most recent analyst rating on (GB:CARD) stock is a Buy with a £185.00 price target. To see the full list of analyst forecasts on Card Factory stock, see the GB:CARD Stock Forecast page.

Delistings and Listing ChangesRegulatory Filings and Compliance
Card Factory Announces Admission of 1.3 Million New Shares
Positive
Jun 23, 2025

Card Factory plc has applied to the Financial Conduct Authority and the London Stock Exchange for the admission of 1,300,000 ordinary shares to the Official List. These shares, reserved under the Card Factory plc SAYE Scheme 2015, are expected to be admitted on 25 June 2025 and will rank equally with existing ordinary shares, potentially enhancing the company’s market position and shareholder value.

The most recent analyst rating on (GB:CARD) stock is a Buy with a £185.00 price target. To see the full list of analyst forecasts on Card Factory stock, see the GB:CARD Stock Forecast page.

Shareholder Meetings
Card Factory Secures AGM Resolution Approvals Amid Shareholder Concerns
Neutral
Jun 19, 2025

Card Factory plc announced the successful passing of all resolutions at its recent Annual General Meeting, with significant shareholder support for most resolutions. However, resolutions concerning the authority to allot shares and disapply pre-emption rights received less than 80% approval, prompting the company to engage with shareholders to address concerns and report back within six months.

The most recent analyst rating on (GB:CARD) stock is a Buy with a £185.00 price target. To see the full list of analyst forecasts on Card Factory stock, see the GB:CARD Stock Forecast page.

Executive/Board ChangesBusiness Operations and Strategy
Card Factory CFO Granted Share Options Under SAYE Scheme
Neutral
Jun 17, 2025

Card Factory plc announced a transaction involving Matthias Seeger, the Chief Financial Officer, who was granted options to subscribe for 6,916 ordinary shares under the company’s Save As You Earn scheme. This transaction, which is part of the company’s employee incentive program, reflects the company’s ongoing efforts to align management interests with shareholder value, potentially impacting the company’s market positioning by fostering a motivated leadership team.

The most recent analyst rating on (GB:CARD) stock is a Buy with a £185.00 price target. To see the full list of analyst forecasts on Card Factory stock, see the GB:CARD Stock Forecast page.

Private Placements and FinancingRegulatory Filings and Compliance
Card Factory Announces Share Allotment and CEO Transactions
Neutral
Jun 16, 2025

Card Factory plc has announced the allotment of 304,433 new ordinary shares following the exercise of nil-cost Restricted Share options under its Long Term Incentive Plan. This includes shares allotted to CEO Darcy Willson-Rymer and other employees. Willson-Rymer exercised his right to acquire 128,609 shares, selling 60,661 to cover tax liabilities, with the remaining shares subject to a holding period until June 2026. The company’s total issued share capital now comprises 350,038,531 ordinary shares, each carrying one vote, which shareholders can use for interest calculations under FCA rules.

The most recent analyst rating on (GB:CARD) stock is a Buy with a £185.00 price target. To see the full list of analyst forecasts on Card Factory stock, see the GB:CARD Stock Forecast page.

Executive/Board ChangesBusiness Operations and Strategy
Card Factory CFO Increases Stake in Company Shares
Neutral
Jun 4, 2025

Card Factory plc announced that its CFO, Matthias Seeger, purchased 24,760 ordinary shares of the company on the London Stock Exchange as part of a remuneration policy requirement. This transaction, which increases Seeger’s beneficial interest in the company to 85,230 shares, aligns with the company’s strategy to ensure executive alignment with shareholder interests, potentially impacting stakeholder confidence and market perception.

The most recent analyst rating on (GB:CARD) stock is a Buy with a £185.00 price target. To see the full list of analyst forecasts on Card Factory stock, see the GB:CARD Stock Forecast page.

Executive/Board ChangesBusiness Operations and StrategyRegulatory Filings and Compliance
Card Factory Aligns Executive Incentives with Long-Term Goals
Neutral
May 22, 2025

Card Factory plc announced that its CEO, Darcy Willson-Rymer, and CFO, Matthias Seeger, have been granted conditional share awards under the company’s Long Term Incentive Plan. This move, disclosed in compliance with the Disclosure Guidance and Transparency Rules, signifies a strategic effort to align the interests of its top executives with the company’s long-term performance goals, potentially impacting stakeholder confidence and market perception.

The most recent analyst rating on (GB:CARD) stock is a Buy with a £185.00 price target. To see the full list of analyst forecasts on Card Factory stock, see the GB:CARD Stock Forecast page.

Shareholder MeetingsFinancial Disclosures
Card Factory Announces Corrected AGM Date and Publishes Annual Report
Neutral
May 19, 2025

Card Factory plc has corrected the date of its 2025 Annual General Meeting (AGM) to 19 June 2025, instead of the previously announced 29 June. The company has published its Annual Report and Accounts for the year ending 31 January 2025, along with the Notice of the AGM. These documents have been distributed to shareholders and are available on the company’s investor relations website and the National Storage Mechanism, ensuring transparency and accessibility for stakeholders.

The most recent analyst rating on (GB:CARD) stock is a Buy with a £185.00 price target. To see the full list of analyst forecasts on Card Factory stock, see the GB:CARD Stock Forecast page.

Shareholder MeetingsFinancial Disclosures
Card Factory Publishes Annual Report and Announces AGM
Neutral
May 19, 2025

Card Factory plc has released its Annual Report and Accounts for the financial year ending 31 January 2025, along with the Notice of its 2025 Annual General Meeting. The AGM is scheduled for 29 June 2025 at the company’s registered office in Wakefield. These documents have been distributed to shareholders and are available on the company’s investor relations website. The release of these documents marks a significant step in the company’s annual governance cycle, providing stakeholders with insights into the company’s financial performance and strategic direction.

The most recent analyst rating on (GB:CARD) stock is a Buy with a £185.00 price target. To see the full list of analyst forecasts on Card Factory stock, see the GB:CARD Stock Forecast page.

Private Placements and FinancingRegulatory Filings and Compliance
Card Factory Announces Share Allotment and CEO Transactions
Neutral
May 14, 2025

Card Factory plc announced the allotment of 1,604,977 new ordinary shares following the exercise of nil-cost Restricted Share options under its Long Term Incentive Plan. This includes shares issued to CEO Darcy Willson-Rymer and other employees. Willson-Rymer sold 183,992 shares to cover tax liabilities, with the remainder subject to a holding period until May 2027. The company’s total issued share capital now comprises 349,632,471 ordinary shares, each carrying one vote, which shareholders can use to calculate their interest under FCA rules.

The most recent analyst rating on (GB:CARD) stock is a Buy with a £185.00 price target. To see the full list of analyst forecasts on Card Factory stock, see the GB:CARD Stock Forecast page.

Business Operations and StrategyFinancial Disclosures
Card Factory Reports Strong FY25 Results with Strategic Growth Initiatives
Positive
May 7, 2025

Card Factory reported strong financial results for the fiscal year ending January 2025, with a 6.2% increase in revenue to £542.5 million and a 6.3% rise in adjusted profit before tax to £66.0 million. The company achieved significant growth through strategic store expansions, targeted acquisitions in Ireland and the US, and a robust partnership strategy, despite facing inflationary pressures. The company remains optimistic about future growth, driven by its ‘Opening Our New Future’ strategy, which includes entering new markets and enhancing its product offerings.

Delistings and Listing ChangesPrivate Placements and Financing
Card Factory Seeks Admission of New Shares to Boost Market Position
Neutral
May 2, 2025

Card Factory plc has applied for the admission of 2,250,000 ordinary shares to the Official List of the Financial Conduct Authority and the London Stock Exchange. These shares, issued under the company’s Long Term Incentive Plan, are expected to be admitted on 7 May 2025 and will hold equal status with existing shares, potentially impacting the company’s market position and shareholder value.

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: Jul 30, 2025