The Cardiff Property (CDFF) AI Stock Analysis

• Market Cap: £26.09M
• Dividend Yield: 0.94%
• Average Volume (3M): 32.00
• Price to Earnings (P/E): 25.5
• Beta (1Y): -0.03
• Revenue Growth: -1.79%
• EPS Growth: -10.25%
• Country: UK
• Employees: 6
• Sector: Real Estate
• Sector Strength: 53
• Industry: Real Estate - Services
• EPS (TTM): 0.58
• Shares Outstanding: 1,003,500
• 10 Day Avg. Volume: 90
• 30 Day Avg. Volume: 32
• PEG Ratio: -11.76
• Price to Book (P/B): 0.79
• Price to Sales (P/S): 35.13
• P/FCF Ratio: 63.30
• 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

• Rating: 69 Neutral
• Price Target: ―

The Cardiff Property demonstrates strong financial stability with low leverage and high profitability, which are key positives. However, challenges in revenue growth and potentially overbought technical indicators pose risks. The high P/E ratio indicates that the stock may be overvalued, limiting its appeal from a valuation perspective. Overall, the strengths in financial health are somewhat balanced by valuation and technical concerns.

The Cardiff Property Business Overview & Revenue Model

Company Description

The Cardiff Property (CDFF) is a leading real estate investment and management company based in Cardiff, specializing in residential and commercial properties. The company focuses on acquiring, developing, and managing a diverse portfolio of properties that cater to both tenants and investors. With a commitment to sustainable development and community engagement, CDFF aims to enhance the value of its properties while providing quality living and working spaces.

How the Company Makes Money

The Cardiff Property generates revenue primarily through rental income from its residential and commercial properties. The company manages a portfolio that includes long-term leases and short-term rentals, catering to various market segments. Additionally, CDFF engages in property development projects, which provide substantial returns upon completion and sale or lease of the developed properties. Significant partnerships with local contractors and real estate agencies further enhance its market reach and operational efficiency. The company also benefits from property management fees charged to property owners for managing their investments, contributing to its overall revenue streams.

The Cardiff Property Financial Statement Overview

Summary

The Cardiff Property exhibits a solid financial foundation with strong profitability and low leverage. While the income statement reveals some concerns regarding revenue decline, the company maintains impressive profit margins. The balance sheet strength, characterized by low debt and high equity, outweighs the revenue challenges, and the cash flow position indicates potential for future stability and growth.

Income Statement

The Cardiff Property's income statement reveals a decline in total revenue from the previous year, resulting in a negative revenue growth rate. Despite this, the company maintains a robust net profit margin of 156.83% for the latest year, indicating effective cost control and profitability. However, the decrease in revenue is a concern, reflecting potential challenges in market demand or competitive position.

Balance Sheet

The balance sheet of The Cardiff Property is strong, with a very low debt-to-equity ratio of 0.0052, indicating minimal leverage and financial risk. The equity ratio stands at a solid 96.80%, showcasing a healthy financial structure with significant asset backing. The high return on equity of 35.20% suggests that the company effectively generates profits from its equity base.

Cash Flow

The cash flow statement shows a positive free cash flow growth rate of 33.92%, reflecting improved cash generation capability. The operating cash flow to net income ratio is 0.36, suggesting that a significant portion of net income is supported by actual cash flows. However, the free cash flow to net income ratio is 0.35, which indicates room for improvement in converting income into free cash flow.

Breakdown	TTM	Dec 2024	Dec 2023	Dec 2022	Dec 2021	Dec 2020
Income Statement
Total Revenue	701.00K	683.00K	1.19M	1.28M	1.15M	1.23M
Gross Profit	1.07M	585.00K	1.25M	1.20M	1.11M	1.13M
EBITDA	633.00K	1.40M	1.28M	762.00K	624.00K	670.00K
Net Income	1.06M	1.07M	1.11M	2.41M	1.08M	1.79M
Balance Sheet
Total Assets	31.57M	31.43M	30.92M	30.96M	29.66M	29.95M
Cash, Cash Equivalents and Short-Term Investments	14.11M	12.25M	10.79M	8.95M	5.50M	5.52M
Total Debt	154.00K	158.00K	165.00K	172.00K	178.00K	184.00K
Total Liabilities	1.05M	1.00M	944.00K	1.14M	1.21M	865.00K
Stockholders Equity	30.52M	30.42M	29.98M	29.81M	28.44M	29.08M
Cash Flow
Free Cash Flow	1.62M	379.00K	283.00K	3.39M	1.40M	1.02M
Operating Cash Flow	1.62M	381.00K	283.00K	3.42M	1.45M	1.03M
Investing Cash Flow	3.16M	1.83M	-3.87M	-1.09M	89.00K	1.30M
Financing Cash Flow	-514.00K	-603.00K	-918.00K	-1.01M	-1.72M	-1.04M

The Cardiff Property Technical Analysis

• Technical Analysis Sentiment: Positive
• Last Price: 2600.00
• 50DMA: Negative
• 100DMA: Negative
• 200DMA: Positive
• MACD: Positive
• 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 2600 is above the 20-day moving average (MA) of 2600.00, below the 50-day MA of 2600.00, and above the 200-day MA of 2596.25, indicating a neutral trend. The MACD of <0.01 indicates Positive momentum. The RSI at 100.00 is Negative, neither overbought nor oversold. The STOCH value of 33.01 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	73 Outperform	£51.19M	7.15	6.15%	3.86%	-6.10%	889.93%
CDFF	69 Neutral	£26.09M	25.49	3.49%	0.94%	-1.79%	-10.25%
WINK	67 Neutral	£25.17M	15.46	24.60%	6.77%	7.02%	-12.85%
Sector *	65 Neutral	$2.17B	12.19	3.79%	4.94%	3.15%	1.96%
FPO	61 Neutral	£22.55M	9.28	5.09%	―	-3.81%	―
LAS	43 Neutral	£5.33M	-2.75	-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.