The Cardiff Property (CDFF) AI Stock Analysis

• Market Cap: £27.09M
• Dividend Yield: 0.91%
• Average Volume (3M): 23.00
• Price to Earnings (P/E): 20.3
• Beta (1Y): <0.01
• Revenue Growth: -2.80%
• EPS Growth: 30.05%
• Country: UK
• Employees: 6
• Sector: Real Estate
• Sector Strength: 53
• Industry: Real Estate - Services
• EPS (TTM): 0.58
• Shares Outstanding: 992,200
• 10 Day Avg. Volume: 68
• 30 Day Avg. Volume: 23
• PEG Ratio: 0.67
• Price to Book (P/B): 0.87
• Price to Sales (P/S): 20.12
• P/FCF Ratio: 33.52
• 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: N/A
• Price Target Upside: N/A
• Rating Consensus: N/A
• Number of Analyst Covering: 0
• EPS Forecast (FY): N/A
• Revenue Forecast (FY): N/A

• Rating: 69 Neutral
• Price Target: 2,957.00p ▲(9.52% Upside)

The Cardiff Property's overall stock score is driven by strong financial performance and a bullish technical trend. However, the overbought RSI and declining free cash flow are concerns. The valuation is fair, but not compelling, which slightly tempers the overall positive outlook.

Positive Factors

Revenue Growth

Substantial revenue growth indicates robust expansion and effective business strategies, enhancing the company's market position and long-term prospects.

Low Leverage

Low leverage reduces financial risk and enhances stability, providing flexibility for future investments and growth opportunities.

Efficient Cost Management

Strong cost management supports profitability and competitive pricing, contributing to sustainable long-term financial health.

Negative Factors

Declining Free Cash Flow

A significant decline in free cash flow can strain liquidity, limiting the company's ability to fund operations and growth initiatives.

Unusual Net Profit Margin

Anomalies in profit margins may indicate non-recurring items, questioning the sustainability of current profitability levels.

Revenue Growth Decline

A decline in revenue growth could signal challenges in maintaining market share or competitive pressures, impacting future earnings potential.

The Cardiff Property Business Overview & Revenue Model

Company Description

The Cardiff Property (CDFF) is a dynamic real estate investment and management company focused on acquiring, developing, and managing residential and commercial properties in the Cardiff area. The company operates primarily in the real estate sector, offering a range of services that include property development, leasing, and property management. With a commitment to sustainable practices and community engagement, CDFF aims to enhance the value of its properties while contributing to the growth of the local economy.

How the Company Makes Money

The Cardiff Property generates revenue through multiple streams, primarily from rental income derived from its residential and commercial properties. The company leases its properties to tenants, ensuring a steady cash flow. Additionally, CDFF engages in property development projects, where it invests in acquiring land, constructing new buildings, or renovating existing structures to increase their value before selling or leasing them. The company may also earn revenue through property management services provided to third-party property owners. Strategic partnerships with local contractors and suppliers enable CDFF to reduce costs and enhance project efficiency, further contributing to its profitability.

The Cardiff Property Financial Statement Overview

Summary

The Cardiff Property shows strong revenue growth and maintains a stable financial position with low leverage. However, the decline in free cash flow and the unusual net profit margin warrant closer scrutiny. Overall, the company is on a solid growth path but should focus on improving cash flow management and ensuring sustainable profitability.

Income Statement

The Cardiff Property shows strong revenue growth of 88.45% in the latest year, indicating robust expansion. However, the net profit margin of 102.80% suggests potential one-time gains or accounting adjustments, as it exceeds 100%. The gross profit margin remains healthy at 82.36%, reflecting efficient cost management. Overall, the income statement reflects a positive growth trajectory with some anomalies in profitability metrics.

Balance Sheet

The company maintains a very low debt-to-equity ratio of 0.49%, indicating minimal leverage and financial risk. The return on equity is modest at 4.43%, suggesting room for improvement in generating returns for shareholders. The equity ratio is strong, with stockholders' equity comprising a significant portion of total assets, highlighting financial stability.

Cash Flow

Free cash flow decreased by 51.02%, which is a concern for liquidity. However, the free cash flow to net income ratio is nearly 1, indicating that the company is effectively converting its earnings into cash. The operating cash flow to net income ratio is not available, which limits a complete assessment of cash flow efficiency.

Breakdown	TTM	Dec 2025	Dec 2024	Dec 2023	Dec 2022	Dec 2021
Income Statement
Total Revenue	1.32M	1.32M	683.00K	1.19M	1.28M	1.15M
Gross Profit	1.09M	1.09M	585.00K	1.25M	1.20M	1.11M
EBITDA	640.00K	640.00K	1.40M	1.28M	762.00K	624.00K
Net Income	1.36M	1.36M	1.07M	1.11M	2.41M	1.08M
Balance Sheet
Total Assets	31.71M	31.71M	31.43M	30.92M	30.96M	29.66M
Cash, Cash Equivalents and Short-Term Investments	14.53M	14.53M	12.25M	10.79M	8.95M	5.50M
Total Debt	150.00K	150.00K	158.00K	165.00K	172.00K	178.00K
Total Liabilities	1.05M	1.05M	1.00M	944.00K	1.14M	1.21M
Stockholders Equity	30.66M	30.66M	30.42M	29.98M	29.81M	28.44M
Cash Flow
Free Cash Flow	-1.21M	793.00K	379.00K	283.00K	3.39M	1.40M
Operating Cash Flow	-1.21M	794.00K	381.00K	283.00K	3.42M	1.45M
Investing Cash Flow	8.80M	8.80M	1.83M	-3.87M	-1.09M	89.00K
Financing Cash Flow	-1.12M	-1.12M	-603.00K	-918.00K	-1.01M	-1.72M

The Cardiff Property Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 2700.00
• 50DMA: Positive
• 100DMA: Positive
• 200DMA: Positive
• MACD: Negative
• RSI: Negative
• STOCH: Neutral

Evaluating momentum and price trends is crucial in stock analysis to make informed investment decisions. For GB:CDFF, the sentiment is Positive. The current price of 2700 is above the 20-day moving average (MA) of 2660.00, above the 50-day MA of 2624.00, and above the 200-day MA of 2603.94, indicating a bullish trend. The MACD of 26.24 indicates Negative momentum. The RSI at 100.00 is Negative, neither overbought nor oversold. The STOCH value of 50.00 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Positive sentiment for GB:CDFF.

The Cardiff Property Peers Comparison

Name	Overall Rating	Market Cap	P/E Ratio	ROE	Dividend Yield	Revenue Growth	EPS Growth
PNS	76 Outperform	£50.33M	7.03	6.15%	3.92%	-6.10%	889.93%
WINK	75 Outperform	£24.33M	14.95	24.60%	7.00%	7.02%	-12.85%
FPO	70 Outperform	£28.09M	12.34	5.05%	―	-7.14%	―
CDFF	69 Neutral	£27.09M	20.33	4.45%	0.91%	-2.80%	30.05%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
LAS	45 Neutral	£3.41M	-2.00	-6.18%	―	13.51%	-112.77%

The Cardiff Property Corporate Events

Cardiff Property Repurchases Shares, Maintains Wollenberg Stake

The Cardiff Property plc has repurchased 920 of its own ordinary shares at £25.26 per share, which will be cancelled. This transaction maintains the holding of J R and Mrs L S Wollenberg at 55.80% of the company’s issued share capital, with the total number of voting rights now at 1,003,500, impacting shareholder calculations under the FCA’s Disclosure and Transparency Rules.

Cardiff Property plc Announces Share Buyback and Cancellation

The Cardiff Property plc has announced the purchase of 4,599 of its own ordinary shares at £25.95 per share, which will subsequently be cancelled. This transaction maintains the unchanged holding of J R and Mrs L S Wollenberg at 55.75% of the company’s issued share capital, with the total number of voting rights now standing at 1,004,420.