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The Cardiff Property (CDFF) AI Stock Analysis

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GB:CDFF

The Cardiff Property

(LSE:CDFF)

Select Model
Rating:73Outperform
Price Target:GBX 3,066.00â–²(11.49% Upside)
Action:reiterated
Date:08/07/26

The score is supported mainly by the strong balance sheet and solid profitability, with minimal debt reducing financial risk. Technicals are neutral-to-slightly positive, while valuation is fair but not compelling enough to lift the stock into a higher tier.

Positive Factors
Strong Revenue GrowthRevenue expansion indicates strong property activity or asset monetisation and provides a larger base for future earnings. If sustained, this growth can strengthen operating scale and support reinvestment across the development portfolio.
Negative Factors
Declining Free Cash FlowA sharp reduction in free cash flow can constrain distributions, acquisitions, and development investment even when accounting earnings remain strong. Persistent weakness would reduce liquidity flexibility and make growth more dependent on asset sales or external funding.

The Cardiff Property (CDFF) vs. iShares MSCI United Kingdom ETF (EWC)

-5%0%5%10%15%20%25%30%GB:CDFF+6.95%EWC+21.04%Dec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
Market Cap
GBP 27.15M
Dividend Yield
1.09%
Average Volume (3M)
126
Price to Earnings (P/E)
21.0
Beta (1Y)
0.02
Revenue Growth
3.71%
EPS Growth
29.79%
Country
UK
Employees
6
Sector
Real Estate
Sector Strength
65
Industry
Real Estate - Development

The Cardiff Property Business Overview & Revenue Model

Company Description

Cardiff Property Plc, encompassing its 47.62% joint venture, Campmoss Property Company Limited, is dedicated to real estate investment and development within the Thames Valley region. The company's substantial portfolio of managed properties, exceedi...

The Cardiff Property Financial Statement Overview

Summary

Strong overall financial profile driven by very low leverage, solid profitability, and generally healthy cash conversion. Volatile revenue and uneven cash flow growth keep the score below the top tier.

Income Statement

72Positive

Balance Sheet

90Very Positive

Cash Flow

68Positive
Financial statement breakdown
BreakdownTTMSep 2025Sep 2024Sep 2023Sep 2022Sep 2021
Income Statement
Total Revenue1.55M1.32M683.00K1.19M1.28M1.15M
Gross Profit1.20M1.08M585.00K1.25M1.20M1.11M
EBITDA1.05M640.00K1.40M1.28M762.00K624.00K
Net Income1.33M1.36M1.07M1.11M2.41M1.08M
Balance Sheet
Total Assets31.75M31.71M31.43M30.92M30.96M29.66M
Cash, Cash Equivalents and Short-Term Investments14.87M14.53M12.25M10.79M8.95M5.50M
Total Debt146.00K150.00K158.00K165.00K172.00K178.00K
Total Liabilities1.07M1.05M1.00M944.00K1.14M1.21M
Stockholders Equity30.68M30.66M30.42M29.98M29.81M28.44M
Cash Flow
Free Cash Flow-1.42M793.00K379.00K283.00K3.39M1.40M
Operating Cash Flow-553.00K794.00K381.00K283.00K3.42M1.45M
Investing Cash Flow3.93M8.80M1.83M-3.87M-1.09M89.00K
Financing Cash Flow-1.19M-1.12M-603.00K-918.00K-1.01M-1.72M

The Cardiff Property Peers Comparison

Overall Rating

UnderperformOutperform
Sector (65)

Financial Indicators

GB:CDFF against its peers
NameOverall RatingMarket CapP/E RatioROEDividend YieldRevenue GrowthEPS Growth
GB:CDFFGB:CDFF73OutperformGBP 27.15M20.994.34%1.09%3.71%29.79%
GB:FPOGB:FPO69NeutralGBP 23.65M8.795.63%1.56%15.45%8.98%
Sector *65Neutral$2.17B12.193.79%4.94%3.15%1.96%
GB:PNSGB:PNS62NeutralGBP 49.15M16.372.55%4.21%-0.65%-58.16%
GB:DCIGB:DCI58NeutralGBP 42.52M-25.59-1.75%―――
GB:GR1TGB:GR1T52NeutralGBP 30.58M-0.48-27.53%―――
GB:PSDLGB:PSDL39UnderperformGBP 109.21M-46.23-1.18%―――

* Real Estate Sector Average

Performance Comparison

-20%-10%0%10%20%GB:CDFFGB:DCIGB:FPOGB:PNSGB:PSDLGB:GR1TDec '25Jan '26Feb '26Mar '26Apr '26May '26Jun '26Jul '26Aug '26Sep '26Oct '26Nov '26
GB:CDFF and its peers over the selected period
Show on chartTickerCompany NamePriceChange% Change
GB:CDFFThe Cardiff Property2750.00178.646.95%
GB:DCIDolphin Capital Investors4.70-0.50-9.62%
GB:FPOFirst Property16.001.036.90%
GB:PNSPanther Securities285.0011.774.31%
GB:PSDLPhoenix Spree Deutschland Ltd128.50-27.15-17.44%
GB:GR1TGrit Real Estate Income Group Limited6.150.559.82%

The Cardiff Property Corporate Events

Business Operations and StrategyStock BuybackRegulatory Filings and Compliance

Cardiff Property Share Buyback Tightens Free Float, Confirms Majority Holding

Positive
Aug 19, 2026

Cardiff Property has bought back 3,582 of its own ordinary shares at £27.50 per share and will cancel them, reducing the number of shares in issue and tightening the company’s free float. The transaction leaves J R and Mrs L S Wollenberg’s holding un...

Stock BuybackRegulatory Filings and Compliance

Cardiff Property Cancels Shares After Buyback, Boosting Majority Holding

Neutral
Jun 8, 2026

The Cardiff Property has executed a small share buyback, purchasing 1,226 ordinary shares at £26.50 each and cancelling them, thereby reducing its share capital and total voting rights to 990,974. This reduction marginally increases the relative infl...

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.

Date of analysis: Aug 25, 2026