Card Factory Plc (CARD) Stock Recommendation | Score, Valuation, Technicals & Financial Trend

Score

Click here to find our call on this stock

Strong Sell

Sell

Hold

Buy

Strong Buy

Comparison

Company

Score

Quality

Valuation

Financial

Technical

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Card Factory Plc

Why is Card Factory Plc ?

High Debt Company with a Debt to Equity ratio (avg) at times

Poor long term growth as Net Sales has grown by an annual rate of 9.31% and Operating profit at 17.53% over the last 5 years
High Debt Company with a Debt to Equity ratio (avg) at times

Poor long term growth as Net Sales has grown by an annual rate of 9.31% and Operating profit at 17.53% over the last 5 years

With a fall in Net Sales of -19.79%, the company declared Very Negative results in Jul 25

OPERATING CASH FLOW(Y) Lowest at GBP 176 MM
ROCE(HY) Lowest at 13.18%
INTEREST COVERAGE RATIO(Q) Lowest at 543.06

Below par performance in long term as well as near term

Along with generating -24.70% returns in the last 1 year, the stock has also underperformed FTSE 100 in the last 3 years, 1 year and 3 months

Real-Time Research Report

Verdict Report

How much should you sell?

All quantity irrespective of whether you are making profits or losses

(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Retailing)

When to re-enter? - We will constantly monitor the company and review our call based on new data

Is Card Factory Plc for you?

High Risk, Low Return

Absolute

Risk Adjusted

Volatility

Card Factory Plc

-100.0%

-0.82

38.92%

FTSE 100

13.98%

1.15

13.60%

Quality

Management Risk

Growth

Capital Structure

Quality grade scale :

Below Average, Average, Good, Excellent

Quality key factors

Factor

Value

Sales Growth (5y)

9.31%

EBIT Growth (5y)

17.53%

EBIT to Interest (avg)

3.44

Debt to EBITDA (avg)

1.30

Net Debt to Equity (avg)

0.23

Sales to Capital Employed (avg)

1.12

Tax Ratio

25.43%

Dividend Payout Ratio

34.83%

Pledged Shares

Institutional Holding

ROCE (avg)

12.85%

ROE (avg)

10.04%

Valuation

Valuation Scorecard

Valuation grade scale :

Very Risky, Risky, Very Expensive, Expensive, Fair, Attractive, Very Attractive

Valuation Key Factors

Factor

Value

P/E Ratio

Industry P/E

Price to Book Value

0.71

EV to EBIT

4.91

EV to EBITDA

2.89

EV to Capital Employed

0.78

EV to Sales

0.63

PEG Ratio

1.28

Dividend Yield

ROCE (Latest)

15.95%

ROE (Latest)

12.41%

Technicals

Technical key factors

Indicator

Weekly

Monthly

MACD

Mildly Bullish

Bearish

RSI

No Signal

Bollinger Bands

Bearish

Moving Averages

Bearish (Daily)

KST

Mildly Bullish

Bearish

Dow Theory

Mildly Bearish

OBV

Mildly Bearish

Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned

Technical Movement

Analyse All Technical Factors

Financial Trend

Financial Trend Scorecard

Financial Trend scale:

Very Negative, Negative, Flat, Positive, Very Positive, Outstanding

1What is working for the Company

DIVIDEND PAYOUT RATIO(Y)

Highest at 81.25%

-19What is not working for the Company

OPERATING CASH FLOW(Y)

Lowest at GBP 176 MM

ROCE(HY)

Lowest at 13.18%

INTEREST COVERAGE RATIO(Q)

Lowest at 543.06

RAW MATERIAL COST(Y)

Grown by 26.61% (YoY

INVENTORY TURNOVER RATIO(HY)

Lowest at 6.66 times

OPERATING PROFIT(Q)

Lowest at GBP 39.1 MM

OPERATING PROFIT MARGIN(Q)

Lowest at 15.79 %

PRE-TAX PROFIT(Q)

Lowest at GBP 6.8 MM

NET PROFIT(Q)

Lowest at GBP 5.08 MM

EPS(Q)

Lowest at GBP 0.02

Here's what is working for Card Factory Plc

Dividend Payout Ratio

Highest at 81.25%

in the last five years

MOJO Watch

Company is distributing higher proportion of profits generated as dividend

DPR (%)

Depreciation

Highest at GBP 25.5 MM

in the last five periods

MOJO Watch

The expenditure on assets done by the company may have gone into operation

Depreciation (GBP MM)

Here's what is not working for Card Factory Plc

Pre-Tax Profit

At GBP 6.8 MM has Fallen at -51.43%

Year on Year (YoY)

MOJO Watch

Near term Pre-Tax Profit trend is very negative

Pre-Tax Profit (GBP MM)

Net Profit

At GBP 5.08 MM has Fallen at -51.64%

Year on Year (YoY)

MOJO Watch

Near term Net Profit trend is very negative

Net Profit (GBP MM)

Interest Coverage Ratio

Lowest at 543.06

in the last five periods

MOJO Watch

The company's ability to manage interest payments is deteriorating

Operating Profit to Interest

Operating Cash Flow

Lowest at GBP 176 MM

in the last three years

MOJO Watch

The company's cash revenues from business operations are falling

Operating Cash Flows (GBP MM)

Operating Profit

Lowest at GBP 39.1 MM

in the last five periods

MOJO Watch

Near term Operating Profit trend is negative

Operating Profit (GBP MM)

Operating Profit Margin

Lowest at 15.79 %

in the last five periods

MOJO Watch

Company's profit margin has deteriorated

Operating Profit to Sales

Pre-Tax Profit

Lowest at GBP 6.8 MM

in the last five periods

MOJO Watch

Near term Pre-Tax Profit trend is negative

Pre-Tax Profit (GBP MM)

Net Profit

Lowest at GBP 5.08 MM

in the last five periods

MOJO Watch

Near term Net Profit trend is negative

Net Profit (GBP MM)

EPS

Lowest at GBP 0.02

in the last five periods

MOJO Watch

Declining profitability; company has created lower earnings for shareholders

EPS (GBP)

Inventory Turnover Ratio

Lowest at 6.66 times

in the last five Semi-Annual periods

MOJO Watch

Company's pace of selling inventory has slowed

Inventory Turnover Ratio

Raw Material Cost

Grown by 26.61% (YoY)

MOJO Watch

The company's ability to pass on the cost of raw materials to customers has deteriorated; this may lead to a fall in profit margin

Raw Material Cost as a percentage of Sales