Want to see GB:CARD full AI Analyst Report?
Top Page
Card Factory
(LSE:CARD)
Select Model
Select Model
Rating:78Outperform
Price Target:
86.00 p
▲(12.57% Upside)
Action:Reiterated
Date:08/17/26
The score is driven primarily by solid financials with a much stronger balance sheet, supported by favorable technical momentum and an attractive valuation (low P/E and high dividend yield). The main offset is the 2026 deterioration in profitability and free cash flow versus 2025, which introduces monitoring risk despite the improved leverage profile.
Positive Factors
Steady Revenue Growth
Consistent revenue expansion indicates ongoing demand for Card Factory’s celebration products and supports the resilience of its store-led model. Although growth has moderated, continued positive momentum provides a durable base for earnings over the next several months.
Negative Factors
Margin and Earnings Pressure
Recent margin compression indicates that revenue growth is producing less profit, potentially reflecting cost pressure, product mix or weaker operating leverage. If sustained, lower profitability could constrain reinvestment, dividends and the company’s ability to grow earnings.
Read all positive and negative factors
Positive Factors
Negative Factors
Steady Revenue Growth
Consistent revenue expansion indicates ongoing demand for Card Factory’s celebration products and supports the resilience of its store-led model. Although growth has moderated, continued positive momentum provides a durable base for earnings over the next several months.
Read all positive factors
Card Factory (CARD) vs. iShares MSCI United Kingdom ETF (EWC)
Market Cap
£245.79M
Dividend Yield6.99%
Average Volume (3M)1.33M
Price to Earnings (P/E)8.2
Beta (1Y)0.87
Revenue Growth7.41%
EPS Growth-34.98%
CountryUK
Employees8,366
SectorConsumer Cyclical
Sector Strength84
IndustrySpecialty Retail
Share Statistics
EPS (TTM)0.09
Shares Outstanding334,404,400
10 Day Avg. Volume942,378
30 Day Avg. Volume1,325,382
Financial Highlights & Ratios
PEG Ratio-0.21
Price to Book (P/B)0.66
Price to Sales (P/S)0.40
P/FCF Ratio2.56
Enterprise Value/Market CapN/A
Enterprise Value/RevenueN/A
Enterprise Value/Gross ProfitN/A
Enterprise Value/EbitdaN/A
Forecast
1Y Price TargetN/A
Price Target UpsideN/A
Rating ConsensusN/A
Number of Analyst Covering0
EPS Forecast (FY)0.13
Revenue Forecast (FY)£610.00M
Card Factory Business Overview & Revenue Model
Company Description
Card Factory plc operates as a specialist retailer of cards, gifts, and celebration essentials in the United Kingdom, South Africa, Republic of Ireland, the United States, and internationally. It operates through four segments: Cardfactory Stores,...
How the Company Makes Money
Card Factory makes money primarily by selling celebration-related products directly to consumers, with revenue generated across several channels. (1) Retail store sales: The core revenue stream comes from sales in its UK store estate, where greeti...
Card Factory Financial Statement Overview
Summary
Income Statement
72
Positive
Balance Sheet
84
Very Positive
Cash Flow
70
Positive
| Breakdown | Jan 2026 | Jan 2026 | Jan 2025 | Jan 2024 | Jan 2023 |
|---|---|---|---|---|---|
Income Statement | |||||
| Total Revenue | 582.70M | 542.50M | 510.90M | 463.40M | 364.40M |
| Gross Profit | 135.20M | 193.80M | 138.60M | 114.70M | 67.40M |
| EBITDA | 114.60M | 127.00M | 125.30M | 108.90M | 70.30M |
| Net Income | 31.20M | 47.80M | 49.50M | 44.20M | 8.10M |
Balance Sheet | |||||
| Total Assets | 660.90M | 615.60M | 552.10M | 537.20M | 536.00M |
| Cash, Cash Equivalents and Short-Term Investments | 18.80M | 16.50M | 11.30M | 11.70M | 38.30M |
| Total Debt | 208.50M | 184.40M | 145.80M | 172.70M | 230.30M |
| Total Liabilities | 306.40M | 268.70M | 236.30M | 269.00M | 316.40M |
| Stockholders Equity | 354.50M | 346.90M | 315.80M | 268.20M | 219.60M |
Cash Flow | |||||
| Free Cash Flow | 92.20M | 70.50M | 77.40M | 73.70M | 91.60M |
| Operating Cash Flow | 103.90M | 88.90M | 105.20M | 91.90M | 98.50M |
| Investing Cash Flow | -45.10M | -40.50M | -30.00M | -18.20M | -6.90M |
| Financing Cash Flow | -57.50M | -42.90M | -73.20M | -102.10M | -65.80M |
Card Factory Technical Analysis
Neutral
76.40
Price Trends
72.49
Positive
68.48
Positive
68.80
Positive
Market Momentum
0.55
Positive
43.81
Neutral
24.28
Neutral
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 76.4 is above the 20-day moving average (MA) of 75.32, above the 50-day MA of 72.49, and above the 200-day MA of 68.80, indicating a neutral trend. The MACD of 0.55 indicates Positive momentum. The RSI at 43.81 is Neutral, neither overbought nor oversold. The STOCH value of 24.28 is Neutral, not indicating any strong overbought or oversold conditions. Overall, these indicators collectively point to a Neutral sentiment for GB:CARD.
Card Factory Peers Comparison
UnderperformOutperform
Sector (61)
Name | Overall Rating | Market Cap | P/E Ratio | ROE | Dividend Yield | Revenue Growth | EPS Growth |
|---|---|---|---|---|---|---|---|
78 Outperform | £245.79M | 8.20 | 9.00% | 6.99% | 7.41% | -34.98% | |
76 Outperform | £805.58M | 16.99 | -99.49% | 1.21% | 6.54% | ― | |
65 Neutral | £1.78B | 11.93 | 105.88% | 8.56% | 4.39% | -1.37% | |
64 Neutral | £54.56M | 46.94 | 9.46% | 0.04% | -6.13% | -82.79% | |
61 Neutral | $18.38B | 12.79 | -2.54% | 3.03% | 1.52% | -15.83% | |
55 Neutral | £83.55M | -41.59 | -2.17% | 1.13% | -38.65% | -792.57% | |
52 Neutral | £578.00M | -3.77 | -90.46% | 4.57% | -30.52% | -2064.92% |
* Consumer Cyclical Sector Average
GB:CARD
Card Factory
71.50
-27.81
-28.00%
GB:DNLM
Dunelm Group
886.50
-269.38
-23.30%
GB:IGR
IG Design
88.50
33.57
61.12%
GB:SMWH
WH Smith
378.60
-284.52
-42.91%
GB:WRKS
TheWorks.co.uk plc
92.20
40.95
79.90%
GB:MOON
Moonpig Group Plc
269.60
74.54
38.22%
Card Factory Corporate Events
Stock BuybackRegulatory Filings and Compliance
Card Factory Corrects Voting Rights Data and Details Latest Share Buybacks
Neutral
Aug 17, 2026
Card Factory corrected a typographical error in a previous disclosure on its total voting rights, and detailed a series of share buybacks carried out between 10 and 14 August 2026. The retailer repurchased and will cancel hundreds of thousands of ...
Stock BuybackRegulatory Filings and Compliance
Card Factory Updates Market on August Share Buybacks and Capital
Neutral
Aug 17, 2026
Card Factory has continued its share repurchase programme, buying back and cancelling around 827,000 ordinary shares between 10 and 14 August 2026 at prices mostly in the mid-70 pence range. Following these transactions, the company reports an iss...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
Card Factory Tightens Share Base with August Buyback
Positive
Aug 10, 2026
Card Factory has continued its share repurchase programme, buying back and cancelling a series of ordinary shares between 3 and 7 August 2026 through UBS AG London Branch. The purchases, executed at prices around the mid‑70 pence range, form...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
Card Factory cuts share count with late-July buyback
Positive
Aug 3, 2026
Card Factory has repurchased and cancelled more than 2 million of its own ordinary shares over five trading days in late July, at prices ranging roughly between 71p and 77p per share, as part of its ongoing share buyback programme executed via UBS...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
Card Factory tightens free float with latest share buyback and cancellation
Positive
Aug 3, 2026
Card Factory plc has bought back and cancelled around 2 million ordinary shares over the period 27–31 July 2026, executing the transactions via UBS on multiple trading venues at prices largely in the low-to-mid 70 pence range. Following thes...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
Card Factory Cancels Newly Repurchased Shares, Updates Voting Capital
Positive
Jul 27, 2026
Card Factory plc has executed a series of share repurchases between 20 and 24 July 2026, buying back just over 600,000 ordinary shares at prices broadly in the 69p–72p range via multiple trading venues including the LSE, BATE, CHIX and Aquis...
Stock BuybackRegulatory Filings and Compliance
Card Factory Cancels Newly Repurchased Shares, Tightening Free Float
Positive
Jul 20, 2026
Card Factory has executed a series of share repurchases between 13 and 17 July 2026, buying back more than 1 million ordinary shares at prices ranging roughly from 68 pence to 72 pence, via multiple trading venues including the London Stock Exchan...
Stock BuybackRegulatory Filings and Compliance
Card Factory Cuts Share Count With July Buyback and Updates Voting Rights
Positive
Jul 13, 2026
Card Factory has repurchased and cancelled a total of 549,780 ordinary shares over the period 6–10 July 2026 via UBS, paying volume‑weighted average prices of around 66.5–68.0 pence per share across multiple trading venues. Follo...
Business Operations and StrategyStock Buyback
Card Factory Cancels Shares After Latest Buyback Tranche
Positive
Jul 13, 2026
Card Factory has launched a share repurchase programme, buying back and cancelling 549,780 ordinary shares between 6 and 10 July 2026 through UBS on venues including the LSE, BATE, CHIX and Aquis. The purchases were made at prices mostly in the mi...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
Card Factory Tightens Equity Base with Share Buybacks and Cancellations
Positive
Jul 6, 2026
Card Factory plc has disclosed a series of share repurchases executed between 29 June and 3 July 2026, buying back hundreds of thousands of ordinary shares via UBS AG’s London branch. These repurchased shares are to be cancelled, reducing th...
Stock Buyback
Card Factory Cancels 445,000 Shares in Ongoing Buyback Programme
Positive
Jun 29, 2026
Card Factory has continued its share repurchase programme, buying back 444,776 ordinary shares between 22 and 26 June 2026 through UBS AG’s London branch, at prices ranging from roughly 62.1p to 65.9p per share, with all repurchased stock to...
Business Operations and StrategyStock BuybackDividendsShareholder Meetings
Card Factory AGM Reveals Shareholder Pushback on Governance and Capital Powers
Negative
Jun 25, 2026
Card Factory reported the results of its Annual General Meeting, with shareholders approving the annual report, dividend, auditor appointments, share allotment authority, share buyback authority and other standard resolutions. However, several boa...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
Card Factory Cuts Share Count with June Buybacks
Positive
Jun 22, 2026
Card Factory plc has continued its share repurchase programme, buying back and cancelling a series of ordinary shares between 15 and 19 June 2026 via UBS AG London Branch. The purchases, executed at volume-weighted average prices in the mid-60 pen...
Executive/Board ChangesRegulatory Filings and Compliance
Card Factory grants SAYE share options to chief financial officer
Neutral
Jun 16, 2026
Card Factory has disclosed that its chief financial officer, Matthias Seeger, has been granted options over 6,099 ordinary shares under the company’s Save As You Earn scheme, exercisable after three years at a price of £0.555 per share....
Business Operations and StrategyRegulatory Filings and Compliance
Card Factory Updates Market on CEO Share Awards and Voting Rights
Neutral
Jun 15, 2026
Card Factory has transferred 302,116 ordinary shares out of treasury after the exercise of nil-cost restricted share options under its Long Term Incentive Plan, including awards to chief executive Darcy Willson-Rymer and other employees. Willson-R...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
Card Factory cuts share count with latest £0.66 buyback tranche
Positive
Jun 15, 2026
Card Factory has repurchased and will cancel 533,864 ordinary shares between 8 and 12 June 2026 via UBS AG London Branch, at prices mostly around 66 to 67 pence per share. The move, part of its ongoing share buyback programme, marginally reduces t...
Stock BuybackRegulatory Filings and Compliance
Card Factory Cuts Free-Float with June Share Buybacks
Positive
Jun 8, 2026
Card Factory plc has repurchased and cancelled a series of ordinary shares, buying back more than 500,000 shares between 1 and 5 June 2026 through UBS AG London Branch at prices generally in the mid-60 pence range. Following these transactions, th...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
Card Factory trims share count with late‑May buybacks
Positive
Jun 1, 2026
Card Factory has repurchased and cancelled a total of 853,0​,982 ordinary shares over several trading days in late May under its ongoing share buyback programme executed through UBS’s London branch. The purchases, made at prices mostly...
Business Operations and StrategyRegulatory Filings and Compliance
Card Factory updates market on executive share awards and total voting rights
Neutral
May 26, 2026
Card Factory has transferred just over 1.05 million ordinary shares out of treasury following the vesting of nil-cost restricted share options granted in 2023 under its long-term incentive plan, benefitting CEO Darcy Willson-Rymer, CFO Matthias Se...
Business Operations and StrategyStock Buyback
Card Factory Advances Buyback, Cuts Free-Float Share Count
Positive
May 26, 2026
Card Factory has continued its share repurchase programme, buying back and cancelling a series of tranches of ordinary shares between 18 and 22 May 2026 through UBS’s London branch. The purchases, executed at prices mostly in the high‑...
Financial DisclosuresRegulatory Filings and ComplianceShareholder Meetings
Card Factory Publishes 2026 Annual Report and Sets Date for AGM
Neutral
May 21, 2026
Card Factory plc has published its Annual Report and Accounts for the year ended 31 January 2026, along with the notice and proxy form for its 2026 Annual General Meeting. The AGM will be held on 25 June 2026 at the company’s registered offi...
Business Operations and StrategyExecutive/Board ChangesRegulatory Filings and Compliance
Cardfactory grants long-term incentive share awards to top executives
Positive
May 21, 2026
Cardfactory has granted new conditional share awards under its Long Term Incentive Plan to senior leadership, reinforcing its use of equity-based compensation to align management with shareholder interests. Chief executive Darcy Willson-Rymer rece...
Business Operations and StrategyStock BuybackRegulatory Filings and Compliance
Card Factory Advances Share Buyback, Cuts Free-Float Share Count
Positive
May 18, 2026
Card Factory plc has continued its share repurchase programme, buying back and cancelling a total of 454, a00 ordinary shares between 11 and 15 May 2026 through UBS AG London Branch. The purchases, executed at prices largely in the mid-60 pence ra...
Stock BuybackRegulatory Filings and Compliance
Card Factory Cuts Share Count with Mid-May Buyback and Cancellation
Positive
May 18, 2026
Card Factory plc has repurchased and cancelled a series of its own ordinary shares between 11 and 15 May 2026 under its ongoing share buyback programme, with prices typically ranging in the mid-60 pence to 70 pence per share. Following these trans...
Glossary
BuyA stock rated as a "Buy" is expected to perform better than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock is likely to deliver higher returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
HoldA stock rated as a "Hold" is expected to perform in line with the overall market or a specific benchmark. This rating indicates that the stock is neither particularly compelling nor unfavorable for investment. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
SellA stock rated as a "Sell" is expected to perform worse than the overall market or a specific benchmark over the near-to-medium term. This rating suggests the stock may deliver lower returns compared to other stocks in the same sector or market index. Note: This is not investment advice; please consult a financial advisor before making investment decisions.
Disclaimer
This AI Analyst Stock Report is automatically generated by our AI systems using advanced algorithms and publicly available financial, technical, and market data. While the information provided aims to be accurate and insightful, it is intended for informational purposes only and should not be considered financial advice. Any content created by an AI (Artificial Intelligence) system may contain inaccuracies and/or contain errors. Investing in stocks carries inherent risks, and past performance is not indicative of future results. This report does not account for your personal financial circumstances, objectives, or risk tolerance. Always conduct your own research or consult with a qualified financial advisor before making investment decisions. The analysis and recommendations provided are based on historical and current data and may not fully reflect future market conditions or unexpected developments. Neither the creators of this report nor its affiliated entities guarantee the accuracy, completeness, or reliability of the information presented. Use this report at your own discretion and risk.