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Card Factory (CARD) Ratios
Card Factory Ratios
GB:CARD's free cash flow for Q4 2026 was $75.90M. For the 2026 fiscal year, GB:CARD's free cash flow was decreased by $-6.60M and operating cash flow was $82.50M. See a summary of the company’s cash flow.
| Ratios | Jan 27 | Jan 26 | Jan 25 | Jan 24 | Jan 23 |
|---|---|---|---|---|---|
| Liquidity Ratios | |||||
| Current Ratio | 0.89 | 0.95 | 0.60 | 0.44 | 0.53 |
| Quick Ratio | 0.39 | 0.36 | 0.19 | 0.18 | 0.31 |
| Cash Ratio | 0.16 | 0.16 | 0.09 | 0.07 | 0.25 |
| Solvency Ratio | 0.28 | 0.36 | 0.41 | 0.34 | 0.18 |
| Operating Cash Flow Ratio | 0.89 | 0.85 | 0.86 | 0.53 | 0.65 |
| Short-Term Operating Cash Flow Coverage | 69.27 | 889.00 | 14.82 | 3.39 | 3.86 |
| Net Current Asset Value | $ -202.30M | $ -170.00M | $ -162.50M | $ -193.40M | $ -236.10M |
| Leverage Ratios | |||||
| Debt-to-Assets Ratio | 0.32 | 0.30 | 0.26 | 0.32 | 0.43 |
| Debt-to-Equity Ratio | 0.59 | 0.53 | 0.46 | 0.64 | 1.05 |
| Debt-to-Capital Ratio | 0.37 | 0.35 | 0.32 | 0.39 | 0.51 |
| Long-Term Debt-to-Capital Ratio | 0.19 | 0.18 | 0.11 | 0.13 | 0.28 |
| Financial Leverage Ratio | 1.86 | 1.77 | 1.75 | 2.00 | 2.44 |
| Debt Service Coverage Ratio | 5.89 | 7.14 | 5.33 | 2.62 | 1.46 |
| Interest Coverage Ratio | 3.87 | 5.15 | 5.70 | 5.92 | 1.52 |
| Debt to Market Cap | 0.36 | 0.22 | 0.14 | 0.21 | 0.56 |
| Interest Debt Per Share | 0.64 | 0.57 | 0.46 | 0.54 | 0.73 |
| Net Debt to EBITDA | 1.66 | 1.32 | 1.07 | 1.48 | 2.73 |
| Profitability Margins | |||||
| Gross Profit Margin | 23.20% | 35.72% | 27.13% | 24.75% | 18.50% |
| EBIT Margin | 10.49% | 14.47% | 15.35% | 13.57% | 5.82% |
| EBITDA Margin | 19.67% | 23.41% | 24.53% | 23.50% | 19.29% |
| Operating Profit Margin | 10.49% | 14.62% | 14.95% | 14.57% | 8.56% |
| Pretax Profit Margin | 7.53% | 11.82% | 12.84% | 11.31% | 3.05% |
| Net Profit Margin | 5.35% | 8.81% | 9.69% | 9.54% | 2.22% |
| Continuous Operations Profit Margin | 5.35% | 8.81% | 9.69% | 9.54% | 2.22% |
| Net Income Per EBT | 71.07% | 74.57% | 75.46% | 84.35% | 72.97% |
| EBT Per EBIT | 71.85% | 80.83% | 85.86% | 77.63% | 35.58% |
| Return on Assets (ROA) | 4.72% | 7.76% | 8.97% | 8.23% | 1.51% |
| Return on Equity (ROE) | 8.80% | 13.78% | 15.67% | 16.48% | 3.69% |
| Return on Capital Employed (ROCE) | 11.22% | 15.51% | 17.77% | 18.53% | 8.13% |
| Return on Invested Capital (ROIC) | 7.50% | 11.09% | 12.47% | 13.60% | 5.05% |
| Return on Tangible Assets | 11.47% | 18.45% | 22.43% | -42.95% | -8.22% |
| Earnings Yield | 13.24% | 14.42% | 15.44% | 13.59% | 4.05% |
| Efficiency Ratios | |||||
| Receivables Turnover | 22.94 | 45.21 | 65.50 | 44.56 | 62.83 |
| Payables Turnover | 6.06 | 16.85 | 14.83 | 11.94 | 9.55 |
| Inventory Turnover | 7.60 | 5.71 | 7.45 | 7.70 | 8.97 |
| Fixed Asset Turnover | 3.50 | 3.41 | 3.52 | 3.49 | 2.80 |
| Asset Turnover | 0.88 | 0.88 | 0.93 | 0.86 | 0.68 |
| Working Capital Turnover Ratio | -65.11 | -20.13 | -7.01 | -5.47 | -6.45 |
| Cash Conversion Cycle | 3.68 | 50.36 | 29.98 | 25.04 | 8.27 |
| Days of Sales Outstanding | 15.91 | 8.07 | 5.57 | 8.19 | 5.81 |
| Days of Inventory Outstanding | 48.04 | 63.96 | 49.02 | 47.42 | 40.68 |
| Days of Payables Outstanding | 60.28 | 21.67 | 24.61 | 30.56 | 38.22 |
| Operating Cycle | 63.95 | 72.03 | 54.59 | 55.61 | 46.49 |
| Cash Flow Ratios | |||||
| Operating Cash Flow Per Share | 0.30 | 0.25 | 0.31 | 0.27 | 0.29 |
| Free Cash Flow Per Share | 0.26 | 0.20 | 0.23 | 0.22 | 0.27 |
| Dividend Paid and CapEx Coverage Ratio | 3.60 | 2.33 | 3.78 | 5.05 | 14.28 |
| Capital Expenditure Coverage Ratio | 8.88 | 4.83 | 3.78 | 5.05 | 14.28 |
| Operating Cash Flow Coverage Ratio | 0.50 | 0.48 | 0.72 | 0.53 | 0.43 |
| Operating Cash Flow to Sales Ratio | 0.18 | 0.16 | 0.21 | 0.20 | 0.27 |
| Free Cash Flow Yield | 39.11% | 21.27% | 24.14% | 22.66% | 45.81% |
| Valuation Ratios | |||||
| Price-to-Earnings (P/E) Ratio | 7.56 | 6.79 | 6.48 | 7.36 | 24.68 |
| Price-to-Sales (P/S) Ratio | 0.40 | 0.61 | 0.63 | 0.70 | 0.55 |
| Price-to-Book (P/B) Ratio | 0.66 | 0.96 | 1.02 | 1.21 | 0.91 |
| Price-to-Free Cash Flow (P/FCF) Ratio | 2.56 | 4.70 | 4.14 | 4.41 | 2.18 |
| Price-to-Operating Cash Flow Ratio | 2.27 | 3.73 | 3.05 | 3.54 | 2.03 |
| Price-to-Earnings Growth (PEG) Ratio | -0.21 | 0.00 | 0.84 | 0.02 | -0.15 |
| Enterprise Value Multiple | 3.71 | 3.93 | 3.63 | 4.46 | 5.58 |
| Enterprise Value | 425.43M | 499.36M | 455.18M | 486.21M | 391.94M |
| EV to EBITDA | 3.71 | 3.93 | 3.63 | 4.46 | 5.58 |
| EV to Sales | 0.73 | 0.92 | 0.89 | 1.05 | 1.08 |
| EV to Free Cash Flow | 4.61 | 7.08 | 5.88 | 6.60 | 4.28 |
| EV to Operating Cash Flow | 4.09 | 5.62 | 4.33 | 5.29 | 3.98 |
| Tangible Book Value Per Share | -0.10 | -0.03 | -0.05 | -1.09 | -1.21 |
| Shareholders’ Equity Per Share | 1.02 | 0.99 | 0.92 | 0.78 | 0.64 |
| Tax and Other Ratios | |||||
| Effective Tax Rate | 0.29 | 0.25 | 0.25 | 0.16 | 0.27 |
| Revenue Per Share | 1.67 | 1.55 | 1.49 | 1.35 | 1.07 |
| Net Income Per Share | 0.09 | 0.14 | 0.14 | 0.13 | 0.02 |
| Tax Burden | 0.71 | 0.75 | 0.75 | 0.84 | 0.73 |
| Interest Burden | 0.72 | 0.82 | 0.84 | 0.83 | 0.52 |
| Research & Development to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| SG&A to Revenue | 0.00 | 0.12 | 0.00 | 0.00 | 0.00 |
| Stock-Based Compensation to Revenue | 0.00 | 0.00 | 0.00 | 0.00 | 0.00 |
| Income Quality | 2.37 | 1.39 | 2.13 | 2.08 | 12.16 |
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