Card Factory (CARD) AI Stock Analysis

• Market Cap: £352.72M
• Dividend Yield: 4.78%
• Average Volume (3M): 1.06M
• Price to Earnings (P/E): 8.0
• Beta (1Y): 0.73
• Revenue Growth: 6.18%
• EPS Growth: 4.22%
• Country: UK
• Employees: 10,521
• Sector: Consumer Cyclical
• Sector Strength: 84
• Industry: Specialty Retail
• EPS (TTM): 0.03
• Shares Outstanding: 351,318,820
• 10 Day Avg. Volume: 1,026,318
• 30 Day Avg. Volume: 1,061,253
• PEG Ratio: N/A
• Price to Book (P/B): N/A
• Price to Sales (P/S): N/A
• P/FCF Ratio: N/A
• Enterprise Value/Market Cap: N/A
• Enterprise Value/Revenue: N/A
• Enterprise Value/Gross Profit: N/A
• Enterprise Value/Ebitda: N/A
• 1Y Price Target: £148.33
• Price Target Upside: 50.44% Upside
• Rating Consensus: Moderate Buy
• Number of Analyst Covering: 3

• Rating: 79 Outperform
• Price Target: 115.00p ▲(16.63% Upside)

Card Factory's strong financial performance and attractive valuation are the primary drivers of its overall score. While technical indicators suggest some short-term weakness, the company's robust profitability and appealing dividend yield support a positive outlook.

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 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 Money

Card Factory generates revenue primarily through the sale of greeting cards, which constitutes the largest portion of its sales. The company benefits from a vertically integrated business model, allowing it to produce many of its own products at lower costs, thus maximizing profit margins. In addition to greeting cards, revenue is supplemented by the sale of gift wrap, gifts, and seasonal merchandise. Card Factory also leverages online sales through its e-commerce platform, which has become increasingly important. The company's pricing strategy, aimed at affordability, attracts a broad customer base, while its frequent promotions and seasonal offerings drive additional sales. Partnerships with suppliers for unique product lines and collaborations during peak seasons further enhance revenue opportunities.

Card Factory Financial Statement Overview

Summary

Card Factory shows strong revenue growth, profitability, and cash generation. Effective cost management and operational efficiency are evident, though capital expenditures could be optimized. The balance sheet is stable with moderate leverage.

Income Statement

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

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

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.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2023	Dec 2021	Dec 2021
Income Statement
Total Revenue	542.50M	542.50M	463.40M	510.90M	285.10M	364.40M
Gross Profit	169.50M	193.80M	114.70M	138.60M	29.90M	67.40M
EBITDA	107.70M	127.00M	113.50M	125.30M	43.20M	80.30M
Net Income	47.80M	47.80M	44.20M	49.50M	-13.60M	8.10M
Balance Sheet
Total Assets	615.60M	615.60M	537.20M	552.10M	532.50M	536.00M
Cash, Cash Equivalents and Short-Term Investments	16.50M	16.50M	11.70M	11.30M	12.50M	38.30M
Total Debt	184.40M	184.40M	172.70M	145.80M	263.70M	230.30M
Total Liabilities	268.70M	268.70M	269.00M	236.30M	326.00M	316.40M
Stockholders Equity	346.90M	346.90M	268.20M	315.80M	206.50M	219.60M
Cash Flow
Free Cash Flow	72.80M	70.50M	73.70M	77.40M	57.70M	91.60M
Operating Cash Flow	84.20M	88.90M	91.90M	105.20M	65.20M	98.50M
Investing Cash Flow	-40.50M	-40.50M	-18.20M	-30.00M	-7.00M	-6.90M
Financing Cash Flow	-38.20M	-42.90M	-102.10M	-73.20M	-47.70M	-65.80M

Card Factory Technical Analysis

• Technical Analysis Sentiment: Neutral
• Last Price: 98.60
• 50DMA: Negative
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Neutral
• STOCH: Negative

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:CARD, the sentiment is Neutral. The current price of 98.6 is below the 20-day moving average (MA) of 99.22, below the 50-day MA of 103.18, and above the 200-day MA of 93.06, indicating a neutral trend. The MACD of -1.66 indicates Negative momentum. The RSI at 45.65 is Neutral, neither overbought nor oversold. The STOCH value of 81.88 is Negative, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GB:CARD.

Card Factory Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
CARD	79 Outperform	£352.72M	7.98	13.18%	4.78%	6.18%	4.22%
ANG	66 Neutral	£38.70M	21.12	4.56%	―	17.79%	18.96%
AO	63 Neutral	£576.01M	56.50	6.87%	―	9.45%	-57.24%
Sector *	61 Neutral	$18.38B	12.79	-2.54%	3.03%	1.52%	-15.83%
WRKS	55 Neutral	£26.69M	3.05	63.08%	―	-1.96%	28.69%
MOON	49 Neutral	£687.18M	―	―	1.37%	2.62%	-129.82%
DEBS	38 Underperform	£168.66M	-0.51	-185.68%	―	-45.91%	-120.22%

Card Factory Corporate Events

Card Factory Announces Total Voting Rights Update

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.

The most recent analyst rating on (GB:CARD) stock is a Buy with a £122.00 price target. To see the full list of analyst forecasts on Card Factory stock, see the GB:CARD Stock Forecast page.

Card Factory Reports Resilient Growth and Strategic Progress Amidst Challenges

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.

The most recent analyst rating on (GB:CARD) stock is a Buy with a £122.00 price target. To see the full list of analyst forecasts on Card Factory stock, see the GB:CARD Stock Forecast page.

Card Factory Announces Total Voting Rights Update

Card Factory PLC announced its total voting rights, stating that the company’s issued ordinary share capital consists of 351,282,504 shares, each with a nominal value of 1p and carrying one vote. This information is crucial for shareholders to determine their interest in the company’s share capital under FCA’s rules, impacting their decision-making and transparency obligations.

The most recent analyst rating on (GB:CARD) stock is a Buy with a £122.00 price target. To see the full list of analyst forecasts on Card Factory stock, see the GB:CARD Stock Forecast page.

Card Factory Completes Acquisition of Funky Pigeon

Card Factory has completed the acquisition of funkypigeon.com, marking a significant step in enhancing its digital presence in the celebration occasions market. This acquisition is expected to bolster Card Factory’s growth in the direct-to-recipient card and gifting segment by combining Funky Pigeon’s digital expertise with Card Factory’s extensive store network.

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.

Card Factory CEO Increases Stake with Share Acquisition

Card Factory plc announced that its CEO, Darcy Willson-Rymer, acquired 18,419 ordinary shares through an option exercise under the company’s SAYE Scheme 2015. This transaction increases his total shareholding to 901,921 shares, representing 0.26% of the company’s issued share capital, reflecting a continued commitment to the company’s growth and stability.

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.

Card Factory PLC Updates Share Capital Information

Card Factory PLC announced that its issued ordinary share capital consists of 351,139,864 shares, each carrying one vote. This information is crucial for shareholders to determine their interest or changes in their interest in the company’s ordinary share capital, as per the FCA’s Disclosure Guidance and Transparency Rules.

The most recent analyst rating on (GB:CARD) stock is a Buy with a £154.00 price target. To see the full list of analyst forecasts on Card Factory stock, see the GB:CARD Stock Forecast page.

Card Factory CEO Increases Stake with New Share Purchase

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.

Card Factory Acquires Funky Pigeon to Boost Digital Strategy

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.