Card Factory PLC (GB:CARD)
LSE:CARD
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Card Factory
(LSE:CARD)
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Rating:67Neutral
Price Target:
74.00 p
â–²(6.78% Upside)
Action:DowngradedDate:12/31/25
The score is supported primarily by strong financial performance and very attractive valuation (low P/E and high dividend yield). This is meaningfully offset by extremely weak technicals, with the stock far below major moving averages and bearish momentum/oversold readings.
Positive Factors
Revenue Growth
Consistent revenue growth indicates a strong market position and effective product offerings, supporting long-term business stability.
Negative Factors
Free Cash Flow Decline
A decline in free cash flow may limit the company's ability to fund new projects or return capital to shareholders, impacting future growth.
Read all positive and negative factors
Positive Factors
Negative Factors
Revenue Growth
Consistent revenue growth indicates a strong market position and effective product offerings, supporting long-term business stability.
Read all positive factors
Card Factory (CARD) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£218.94M
Dividend Yield7.08%
Average Volume (3M)1.06M
Price to Earnings (P/E)16.0
Beta (1Y)0.71
Revenue Growth6.18%
EPS Growth4.22%
CountryUK
Employees10,521
SectorConsumer Cyclical
Sector Strength84
IndustrySpecialty Retail
Share Statistics
EPS (TTM)0.03
Shares Outstanding345,878,020
10 Day Avg. Volume1,026,318
30 Day Avg. Volume1,061,253
Financial Highlights & Ratios
PEG Ratio0.84
Price to Book (P/B)1.02
Price to Sales (P/S)0.63
P/FCF Ratio4.14
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price Target
£120.00Price Target Upside73.16% Upside
Rating ConsensusModerate Buy
Number of Analyst Covering1
EPS Forecast (FY)0.13
Revenue Forecast (FY)£609.13M
Card Factory Business Overview & Revenue Model
Company Description
Card 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 gre...
How the Company Makes Money
Card 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 co...
Card Factory Financial Statement Overview
Summary
Income Statement
85
Very Positive
Balance Sheet
78
Positive
Cash Flow
80
Positive
| Breakdown | TTM | Jan 2025 | Jan 2024 | Jan 2023 | Jan 2022 | Jan 2021 |
|---|---|---|---|---|---|---|
Income Statement | ||||||
| Total Revenue | 556.30M | 542.50M | 463.40M | 364.40M | 285.10M | 451.50M |
| Gross Profit | 194.30M | 193.80M | 114.70M | 67.40M | 29.90M | 111.80M |
| EBITDA | 86.60M | 127.00M | 108.90M | 70.30M | 43.20M | 123.40M |
| Net Income | 42.90M | 47.80M | 44.20M | 8.10M | -13.60M | 51.60M |
Balance Sheet | ||||||
| Total Assets | 639.30M | 615.60M | 537.20M | 536.00M | 532.50M | 568.80M |
| Cash, Cash Equivalents and Short-Term Investments | 20.30M | 16.50M | 11.70M | 38.30M | 12.50M | 5.50M |
| Total Debt | 219.20M | 184.40M | 172.70M | 230.30M | 263.70M | 293.40M |
| Total Liabilities | 300.10M | 268.70M | 269.00M | 316.40M | 326.00M | 347.30M |
| Stockholders Equity | 339.20M | 346.90M | 268.20M | 219.60M | 206.50M | 221.50M |
Cash Flow | ||||||
| Free Cash Flow | 92.50M | 70.50M | 73.70M | 91.60M | 57.70M | 87.70M |
| Operating Cash Flow | 104.00M | 88.90M | 91.90M | 98.50M | 65.20M | 102.20M |
| Investing Cash Flow | -41.30M | -40.50M | -18.20M | -6.90M | -7.00M | -14.10M |
| Financing Cash Flow | -66.40M | -42.90M | -102.10M | -65.80M | -47.70M | -89.90M |
Card Factory Technical Analysis
Negative
69.30
Price Trends
68.17
Negative
74.76
Negative
86.29
Negative
Market Momentum
-1.86
Negative
41.97
Neutral
68.02
Neutral
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 69.3 is above the 20-day moving average (MA) of 64.71, above the 50-day MA of 68.17, and below the 200-day MA of 86.29, indicating a bearish trend. The MACD of -1.86 indicates Negative momentum. The RSI at 41.97 is Neutral, neither overbought nor oversold. The STOCH value of 68.02 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Negative sentiment for GB:CARD.
Card Factory Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
67 Neutral | £218.94M | 16.03 | 12.51% | 7.08% | 6.18% | 4.22% | |
65 Neutral | £1.63B | 6.72 | 121.78% | 3.99% | 3.78% | 3.29% | |
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
61 Neutral | £26.88M | -1.20 | 63.25% | ― | -1.96% | 28.69% | |
56 Neutral | £647.99M | 8.84 | -113.93% | 1.40% | 3.94% | ― | |
52 Neutral | £49.07M | -3.03 | -43.73% | ― | -38.64% | -792.57% | |
46 Neutral | £731.17M | -2.16 | -62.07% | 4.48% | -19.03% | -318.35% |
* Consumer Cyclical Sector Average
GB:CARD
Card Factory
63.30
-12.76
-16.77%
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810.00
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51.50
0.50
0.98%
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587.00
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-33.43%
GB:WRKS
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43.00
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GB:MOON
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1.27%
Card Factory Corporate Events
Regulatory Filings and Compliance
Card Factory Updates Market on Total Voting Rights and Share Capital
Neutral
Jan 2, 2026
Card Factory plc has reported that its issued ordinary share capital consists of 351,595,922 ordinary shares of 1p each, of which 5,778,989 are held in treasury and do not carry voting rights. As a result, 345,816,933 ordinary shares with voting r...
Business Operations and StrategyStock Buyback
Card Factory Buys Back 199,564 Shares for Treasury in Ongoing Capital Management Drive
Positive
Dec 22, 2025
Card Factory plc has continued its share repurchase activity, buying 199,564 ordinary shares on 19 December 2025 via UBS AG London Branch at prices between 70.40p and 73.20p, with a volume-weighted average price of 71.43p per share. The purchased ...
Regulatory Filings and Compliance
Card Factory Non-Executive Director Increases Stake with Share Purchase
Positive
Dec 22, 2025
Card Factory plc reported that Independent Non-Executive Director Indira Thambiah purchased 7,500 ordinary shares in the company at a price of £0.69908 per share on 22 December 2025, in a transaction conducted on the London Stock Exchange. Th...
Stock Buyback
Card Factory Buys Back 693,000 Shares for Treasury
Positive
Dec 19, 2025
Card Factory has continued its share buyback activity, purchasing 693,000 ordinary shares on 18 December 2025 at prices between 71.60p and 73.30p per share, with a volume-weighted average price of 72.6943p. The shares, acquired via UBS and to be h...
Business Operations and StrategyStock Buyback
Card Factory Announces Share Repurchase of 644,000 Shares
Positive
Dec 18, 2025
Card Factory PLC announced the purchase of 644,000 ordinary shares as part of its share repurchase program, with shares to be held in treasury. This move could positively impact shareholder value by reducing the available shares, reflecting the co...
Business Operations and StrategyStock BuybackShareholder Meetings
Card Factory Addresses Shareholder Concerns Following 2025 AGM
Neutral
Dec 18, 2025
Card Factory has provided an update following its 2025 Annual General Meeting (AGM), where significant shareholder dissent was noted concerning three resolutions related to equity share allocations and pre-emption rights. The company held consulta...
Stock Buyback
Card Factory Announces Share Repurchase of 515,000 Shares
Neutral
Dec 17, 2025
Card Factory plc has announced the purchase of 515,000 ordinary shares at a volume-weighted average price of 70.5410 pence per share, which will be held in treasury. This move is part of a share repurchase program, potentially impacting the compan...
Other
Card Factory CEO Increases Stake with Share Purchase
Positive
Dec 17, 2025
Card Factory’s CEO, Darcy Willson-Rymer, has purchased 56,718 ordinary shares of the company at an average price of £0.702957 per share on the London Stock Exchange. This transaction increases his beneficial interest to 958,639 shares, ...
Regulatory Filings and Compliance
Card Factory CFO Increases Stake with Share Purchase
Positive
Dec 17, 2025
Card Factory’s CFO, Matthias Seeger, has purchased 21,500 ordinary shares of the company at a price of £0.70893 per share, increasing his beneficial interest to 106,730 shares, which represents 0.031% of the company’s total voting...
Regulatory Filings and Compliance
Card Factory Director Increases Shareholding
Positive
Dec 17, 2025
Card Factory plc announced that Robert McWilliam, an Independent Non-Executive Director, purchased 13,852 ordinary shares at £0.7219 per share on the London Stock Exchange. This transaction increases McWilliam’s total shareholding to 46...
Stock Buyback
Card Factory Announces Share Repurchase Program
Neutral
Dec 16, 2025
Card Factory plc announced the repurchase of 323,000 ordinary shares at prices ranging from 70.00 to 73.60 pence per share, with an average price of 71.6187 pence. These shares will be held in treasury, impacting the company’s share capital ...
Stock Buyback
Card Factory Announces Share Repurchase of 211,000 Shares
Neutral
Dec 15, 2025
Card Factory plc has announced the repurchase of 211,000 ordinary shares, which will be held in treasury, as part of its ongoing share repurchase program. This move is likely to impact the company’s share capital structure and could influenc...
Business Operations and StrategyStock BuybackDividendsFinancial Disclosures
Card Factory Faces Lower Sales Amidst Consumer Pressures, Maintains Strategic Confidence
Neutral
Dec 12, 2025
Card Factory has announced a trading update highlighting that the ongoing pressures on UK consumers have led to lower than expected store sales during their key trading period. Despite these challenges, the company continues to execute its ‘...
Stock Buyback
Card Factory Announces Share Repurchase Program
Neutral
Dec 11, 2025
Card Factory plc announced the repurchase of 100,000 ordinary shares, which will be held in treasury. This move is part of a share repurchase program conducted through UBS AG London Branch, with shares purchased at a volume-weighted average price ...
Business Operations and StrategyStock Buyback
Card Factory Announces Share Repurchase
Neutral
Dec 10, 2025
Card Factory plc announced the repurchase of 100,000 ordinary shares at an average price of 97.1490 pence per share, which will be held in treasury. This move is part of the company’s share repurchase program, potentially impacting its share...
Business Operations and StrategyStock Buyback
Card Factory Announces Share Repurchase
Neutral
Dec 9, 2025
Card Factory plc announced the repurchase of 100,000 ordinary shares, which will be held in treasury. This transaction is part of the company’s share repurchase program, potentially impacting shareholder value and market perception. The comp...
Business Operations and StrategyStock Buyback
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. Th...
Business Operations and StrategyStock Buyback
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 ...
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 flexibilit...
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...
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 penc...
Business Operations and StrategyStock Buyback
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 ...
Business Operations and StrategyStock Buyback
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 ...
Business Operations and StrategyStock Buyback
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 sha...
Business Operations and StrategyStock Buyback
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...
Business Operations and StrategyStock Buyback
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 detail...
Business Operations and StrategyStock Buyback
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...
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 influe...
Business Operations and StrategyStock Buyback
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...
Business Operations and StrategyStock Buyback
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 ...
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 s...
Business Operations and StrategyStock Buyback
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 c...
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 ...
Business Operations and StrategyStock Buyback
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 ...
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&...
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.