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← CockpitCompetitor Analysis › CARD.L Card Factory PlcOpen in the cockpit ↗

Card Factory PlcCARD.LCompetitor analysis, valuation and peers

United Kingdom · GBP·Consumer Discretionary›Specialty Stores
Momentum leader 88
Mkt cap
$389M
US dollars, full cap
Free float
98%
of shares outstanding
$/day
$1.64M
20-day average traded
Fwd P/E
7.0×
forward earnings
ROIC−WACC
-3.8 pp
WACC 12.9%
Hurdle
-17 pp
Req g minus delivered
Next earnings
179 days
4 May 2027
Close · GBP£89.10
1D+0.1%
1W+0.2%
1M+3.1%
3M+18.6%
6M+35.2%
YTD+31.2%
1Y-8.6%
ATR %4.0%
52w lowhigh12.7% off high

What Card Factory does

No business profile yet.

Card Factory at a glance

Size Card Factory (CARD.L) is a United Kingdom Consumer Discretionary company (Specialty Stores) with a market value of $389M, the 328th largest of 363 United Kingdom companies the cockpit tracks. Shares closed at £89.10 on 6 Nov 2026.

Performance Over six months the shares gained 35.2%, against +5.1% for the median peer and +3.6% for the United Kingdom market (cap-weighted) — 4th highest of 20 in its peer set.

Growth Revenue grew 7.1% over the last twelve months (peer median +3.9%); the operating margin is 11.2% (peer median 2.8%).

Valuation It trades at 7.0× forward earnings against a peer median of 13.2× (cheapest of 14).

Price implies For today's price to make sense, revenue must grow about -2% a year for seven years (Req g). Recent delivered growth is +15%, so the hurdle is -17 pp: the price already allows for a slowdown.

Capital Return on invested capital runs 3.8 points below its cost of capital (12.9% WACC).

Next results Next results expected around 4 May 2027 (exchange calendar; dates can move).

Relative performance

10012014011 May 202611 Aug 20266 Nov 2026CARD.L 135Peer median 103
Six months, rebased to 100: Card Factory against the median of its 20 peers (local-currency closes).

Card Factory financials

Reported figures in GBP; fiscal year ends 2026-01-31. TTM = trailing twelve months.
TTMFY2025FY2024FY2023FY2022
Revenue£596M£583M£542M£511M£463M
Revenue growth—+7%+6%+10%—
Gross profit£144M£135M£145M£139M£115M
EBITDA£122M£118M£130M£121M£114M
Net income£34.8M£31.2M£47.8M£49.5M£44.2M
Free cash flow£109M£92.4M£71.3M£79.9M£83.1M
Capital expenditure£23.6M£19.4M£18.4M£27.8M£18.2M
Total debtn/a£208M£184M£146M£173M

Quarterly statements and history in the cockpit →

Card Factory competitor charts

The default views of Competitor Analysis ▸ Charts, drawn from the same data. Open them in the cockpit to change the axes, pin companies and read every value.

Performance: 6-month against 1-month return

-50%0%+50%+100%+150%-20%0%+20%7508HVT3009458395BBW6003863232VTUTOKMAN6993MNROOFNBHGDPABHUSHANACQCWHCARD.L6-month return →1-month return →
Up and to the right = strong over both horizons. Card Factory is the large dot.

Fundamentals: revenue growth against valuation

-20%-10%0%+10%10×20×7508HVT300945BBW7593VTUTOKMANBNEDBHGACQCWHCARD.LRevenue growth (TTM) →Forward P/E →
Further right = faster growth; higher = more expensive. The dashed lines are the peer medians. Card Factory is the large dot.

Capital: growth delivered against growth the price implies

0%+20%+40%+60%0%20%40%60%7508HVT8395BBW6003867593TOKMANBNEDMNROOFNCWHCARD.LGrowth delivered (Del g) →Growth the price implies (Req g, 7 yrs) →
Above the diagonal = the price needs more growth than the company has been delivering; below = the price already allows for a slowdown. Card Factory is the large dot.

Card Factory competitors and peer comparison

How Card Factory compares with its peers

Peer set: Industry: the same industry and sector in any market, nearest in size. This is the same default set the interactive Competitor Analysis opens with.

Card Factory against its 20 peers (data as of 6 Nov 2026)
MeasureCARD.LPeer medianRank in peer set
1-month return+3.1%+0.6%7th highest of 21
6-month return+35.2%+5.1%4th highest of 20
Distance from 52-week high-12.7%-24.5%6th highest of 21
Revenue growth (TTM)+7.1%+3.9%8th highest of 20
Operating margin11.2%2.8%2nd highest of 20
Forward P/E7.0×13.2×cheapest of 14
Growth the price implies (Req g, 7 yrs)-1.6%4.7%7th least demanding of 14
Growth delivered (Del g)+15.4%+3.6%2nd highest of 14
Hurdle (Req g minus delivered)-16.9 pp-0.0 pp4th least demanding of 14
ROIC minus cost of capital-3.8 pp-2.1 pp7th lowest of 20
EV / EBITDA4.0×8.5×cheapest of 11
Net debt / EBITDA1.7×2.5×5th least indebted of 15

Peer table

Peer set: Industry: the same industry and sector in any market, nearest in size
CompanyMarketMarket cap6M returnRevenue growthOp. marginForward P/EReq gDelivered g
Card Factory CARD.LUnited Kingdom$389M+35%+7%11%7.0×-1.6%+15.4%
G-7 7508.TJapan$389M+8%+8%3%10.2×-6.9%+7.3%
Haverty Furniture Companies HVTUnited States$391M+13%+6%4%14.0×9.8%+0.3%
MCLON Jewellery 300945.SZChina$395M-35%-19%6%18.6×n/an/a
ZXZN Qi-House 8395.HKHong Kong$408M+169%+41%-7%n/a57.6%+3.0%
Build-A-Bear Workshop BBWUnited States$366M-23%-1%12%9.0×-4.1%+15.7%
Beijing Bashi Media 600386.SSChina$415M-17%-27%1%n/a-2.9%-2.9%
VT Holdings Co., Ltd. 7593.TJapan$365M+1%+14%3%7.4×-4.6%+14.3%
Mie Kotsu 3232.TJapan$364M+9%+10%9%9.5×n/an/a
Vertu Motors VTU.LUnited Kingdom$362M+36%+3%1%13.2×-4.0%+13.7%
Bohus BOHUS.OLNorway$426Mn/an/an/an/an/an/a
Tokmanni TOKMAN.HEFinland$431M+5%+4%3%10.6×4.7%+10.0%
Barnes & Noble Education BNEDUnited States$436M+20%+5%3%13.2×7.6%+3.6%
Daikokuya 6993.TJapan$344M-32%+26%-2%n/an/an/a
Monro MNROUnited States$343M-38%-4%2%n/a19.4%+0.6%
Orell Fussli OFN.SWSwitzerland$338M-17%+3%9%14.4×-10.0%+4.5%
BHG BHG.STSweden$450M+8%+7%3%17.2×7.6%+3.4%
Star Plus Legend 6683.HKHong Kong$460M-30%-48%-52%n/an/an/a
D. P. Abhushan DPABHUSHAN.NSIndia$468M+79%+31%8%n/an/an/a
AutoCanada ACQ.TOCanada$468M+26%0%2%13.9×n/an/a
Camping World CWHUnited States$474M-39%-6%2%25.8×19.5%+3.2%

Questions

Which companies are Card Factory's closest peers?
The cockpit's peer set: G-7 (7508.T), Haverty Furniture Companies (HVT), MCLON Jewellery (300945.SZ), ZXZN Qi-House (8395.HK), Build-A-Bear Workshop (BBW), Beijing Bashi Media (600386.SS), VT Holdings Co., Ltd. (7593.T), Mie Kotsu (3232.T).
Is Card Factory expensive compared with its peers?
On forward p/e it trades at 7.0× against a peer median of 13.2×, cheapest of 14 in its peer set. For today's price to make sense, revenue must grow about -2% a year for seven years (Req g). Recent delivered growth is +15%, so the hurdle is -17 pp: the price already allows for a slowdown.
How has Card Factory stock performed?
Over six months to 6 Nov 2026 the shares returned +35.2% against +5.1% for the median peer; over one year -8.6%.

How these numbers are made. Returns are close-to-close in local currency. Revenue growth and margins are trailing twelve months. Req g is the revenue growth that today's enterprise value requires for seven years at the company's own cost of capital; Delivered g is what it actually grew; the gap is the hurdle (honest precision about ±8 points, so read the ranking more than the decimal). No fair values, price targets or analyst ratings are shown, by design. Method and validation.