A Business at a Glance
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CARD FACTORY PLC ORD 1P operates in the Specialty Retail industry, Consumer Cyclical sector. Full business description from SEC filing not yet available.
| Metric | TTM | FY2025 | FY2024 | FY2023 | FY2022 | FY2021 |
|---|---|---|---|---|---|---|
| Revenue | 716M | 716M | 654M | 578M | 449M | 392M |
| Net Income | 63M | 63M | 63M | 55M | 10.0M | -19M |
| EPS | $0.18 | $0.18 | $0.18 | $15.98 | $2.96 | - |
| Free Cash Flow | 102M | 102M | 111M | 114M | 136M | 94M |
| ROIC | 17.9% | 16.0% | 16.0% | 13.3% | 6.3% | -1.4% |
| Gross Margin | 35.7% | 35.7% | 36.2% | 34.7% | 32.0% | 27.8% |
| Debt/Equity | 0.00 | 0.21 | 0.14 | 0.44 | 0.75 | 1.10 |
| Dividends/Share | $0.08 | $0.05 | $0.06 | - | - | - |
| Operating Income | 105M | 105M | 98M | 80M | 39M | -10M |
| Operating Margin | 14.6% | 14.6% | 15.0% | 13.8% | 8.7% | -2.6% |
| ROE | 13.8% | 14.6% | 17.1% | 18.2% | 3.6% | -6.6% |
| Shares Outstanding | 346M | 346M | 344M | 343M | 338M | - |
| Metric | 2021 | 2022 | 2023 | 2024 | 2025 | TTM |
|---|---|---|---|---|---|---|
| Income Statement | ||||||
| Revenue | 392M | 449M | 578M | 654M | 716M | 716M |
| Gross Margin | 27.8% | 32.0% | 34.7% | 36.2% | 35.7% | 35.7% |
| R&D | N/A | N/A | N/A | N/A | N/A | N/A |
| SG&A | 119M | 105M | 121M | 139M | 151M | 151M |
| EBIT | -10M | 39M | 80M | 98M | 105M | 105M |
| Op. Margin | -2.6% | 8.7% | 13.8% | 15.0% | 14.6% | 14.6% |
| Net Income | -19M | 10.0M | 55M | 63M | 63M | 63M |
| Net Margin | -4.8% | 2.2% | 9.5% | 9.7% | 8.8% | 8.8% |
| Non-Recurring | 0 | 0 | 0 | 0 | 0 | 0 |
| Returns on Capital | ||||||
| ROIC | -1.4% | 6.3% | 13.3% | 16.0% | 16.0% | 17.9% |
| ROE | -6.6% | 3.6% | 18.2% | 17.1% | 14.6% | 13.8% |
| ROA | -2.6% | 1.4% | 8.3% | 9.2% | 8.3% | 7.8% |
| Cash Flow | ||||||
| Op. Cash Flow | 101M | 140M | 125M | 135M | 117M | 117M |
| Free Cash Flow | 94M | 136M | 114M | 111M | 102M | 102M |
| Owner Earnings | 101M | 140M | 125M | 135M | 117M | 117M |
| CapEx | 6.7M | 4.4M | 11M | 24M | 15M | 15M |
| Maint. CapEx | 0 | 0 | 0 | 0 | 0 | 0 |
| Growth CapEx | N/A | N/A | N/A | N/A | N/A | 15M |
| D&A | 0 | 0 | 0 | 0 | 0 | 0 |
| CapEx/OCF | 6.7% | 3.2% | 8.8% | 17.9% | 12.8% | 12.8% |
| Capital Allocation | ||||||
| Dividends Paid | 0 | 0 | 0 | 0 | 27M | 27M |
| Dividend Yield | N/A | N/A | N/A | N/A | 6.3% | 11.9% |
| Share Buybacks | 0 | 0 | 0 | 0 | 0 | 0 |
| Buyback Yield | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% | 0.0% |
| Stock-Based Comp | N/A | N/A | N/A | N/A | N/A | N/A |
| Debt Repayment | 35M | 80M | 91M | 244M | 302M | 302M |
| Balance Sheet | ||||||
| Net Debt | 294M | 155M | 136M | 43M | 76M | -22M |
| Cash & Equiv. | 17M | 47M | 12M | 14M | 22M | 22M |
| Long-Term Debt | N/A | N/A | N/A | 48M | 98M | 98M |
| Debt/Equity | 1.10 | 0.75 | 0.44 | 0.14 | 0.21 | 0.00 |
| Interest Coverage | -0.8 | 1.5 | 5.6 | 5.7 | 5.1 | 5.1 |
| Equity | 284M | 271M | 335M | 404M | 458M | 458M |
| Total Assets | 732M | 661M | 671M | 706M | 813M | 813M |
| Total Liabilities | 448M | 390M | 336M | 302M | 355M | 355M |
| Intangibles | N/A | N/A | N/A | N/A | N/A | N/A |
| Retained Earnings | 1.9M | 13M | 71M | 139M | 182M | 182M |
| Working Capital | -56M | -89M | -93M | -62M | -7.4M | -7.4M |
| Current Assets | 81M | 99M | 94M | 94M | 130M | 130M |
| Current Liabilities | 137M | 188M | 187M | 156M | 138M | 138M |
| Per Share Data | ||||||
| EPS | N/A | 2.96 | 15.98 | 0.18 | 0.18 | 0.18 |
| Owner EPS | N/A | 0.42 | 0.36 | 0.39 | 0.34 | 0.34 |
| Book Value | N/A | 0.80 | 0.98 | 1.18 | 1.32 | 1.32 |
| Cash Flow/Share | N/A | 0.42 | 0.36 | 0.39 | 0.34 | 0.18 |
| Dividends/Share | N/A | N/A | N/A | 0.06 | 0.05 | 0.08 |
| Shares Out. | N/A | 337.5M | 342.6M | 343.8M | 346.4M | 346.4M |
| Valuation | ||||||
| P/E Ratio | N/A | 0.3 | 0.1 | 6.6 | 5.1 | 3.6 |
| P/FCF | N/A | 2.3 | 4.1 | 3.7 | 3.2 | 2.2 |
| EV/EBIT | N/A | 12.1 | 7.6 | 4.7 | 3.8 | 1.9 |
| Price/Book | N/A | 1.2 | 1.4 | 1.0 | 0.7 | 0.5 |
| Price/Sales | N/A | 0.7 | 0.8 | 0.6 | 0.5 | 0.3 |
| FCF Yield | N/A | 43.2% | 24.2% | 26.8% | 31.7% | 45.3% |
| Market Cap | 0 | 314M | 471M | 413M | 322M | 226M |
| Avg. Price | 0.80 | 0.67 | 1.21 | 1.30 | 1.23 | 0.65 |
| Year-End Price | 0.74 | 0.93 | 1.37 | 1.20 | 0.93 | 0.65 |
CARD FACTORY PLC ORD 1P passes 4 of 9 quality checks, suggesting mixed fundamentals.
CARD FACTORY PLC ORD 1P trades at 3.6x trailing earnings, compared to its 15-year median P/E of 2.7x, suggesting it is currently Fair relative to its historical range. On a free-cash-flow basis, the stock trades at 2.2x vs a median of 3.4x. The company's 5-year average ROIC is 10.0% with a gross margin of 33.3%. Total shareholder yield (dividends) is 11.9%. At current prices, the estimated annualized return to fair value is -4.2%.
CARD FACTORY PLC ORD 1P (CARD-L) has a current P/E ratio of 3.6, compared to its historical median P/E of 2.7. The stock is currently considered Fair based on its historical valuation range.
CARD FACTORY PLC ORD 1P (CARD-L) has a 5-year average return on invested capital (ROIC) of 10.0%. This indicates solid capital allocation.
CARD FACTORY PLC ORD 1P (CARD-L) has a market capitalization of $226M. It is classified as a small-cap stock.
Yes, CARD FACTORY PLC ORD 1P (CARD-L) pays a dividend with a trailing twelve-month yield of 11.87%.
Based on historical P/E analysis, CARD FACTORY PLC ORD 1P (CARD-L) appears fair. The current P/E of 3.6 is 32% above its historical median of 2.7. The estimated fair value CAGR (P/E method) is -11.1%.
CARD FACTORY PLC ORD 1P (CARD-L) operates in the Specialty Retail industry, within the Consumer Cyclical sector.
CARD FACTORY PLC ORD 1P (CARD-L) reported annual revenue of $716 million in its most recent fiscal year, based on SEC EDGAR filings.
CARD FACTORY PLC ORD 1P (CARD-L) has a net profit margin of 8.8%. This is a modest margin.
CARD FACTORY PLC ORD 1P (CARD-L) generated $102 million in free cash flow in its most recent fiscal year. Positive free cash flow supports dividends, buybacks, and debt reduction.
CARD FACTORY PLC ORD 1P (CARD-L) has a debt-to-equity ratio of 0.21. This indicates a conservatively financed balance sheet.
CARD FACTORY PLC ORD 1P (CARD-L) reported earnings per share (EPS) of $0.18 in its most recent fiscal year.
CARD FACTORY PLC ORD 1P (CARD-L) has a return on equity (ROE) of 14.6%. This indicates moderate shareholder returns.
CARD FACTORY PLC ORD 1P (CARD-L) has a 5-year average gross margin of 33.3%. This indicates decent pricing power.
The Ledger Terminal provides 5 years of financial data for CARD FACTORY PLC ORD 1P (CARD-L), sourced directly from SEC EDGAR filings. This includes income statements, balance sheets, cash flow statements, and key financial ratios.
CARD FACTORY PLC ORD 1P (CARD-L) has a book value per share of $1.32, based on its most recent annual SEC filing.
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