ScoreWhy is Card Factory Plc ?
1
The company is Net-Debt Free
- Poor long term growth as Net Sales has grown by an annual rate of 15.37% and Operating profit at 79.53% over the last 5 years
- The company is Net-Debt Free
2
Poor long term growth as Net Sales has grown by an annual rate of 15.37% and Operating profit at 79.53% over the last 5 years
3
Flat results in Jan 26
- ROCE(HY) Lowest at 8.9%
- RAW MATERIAL COST(Y) Grown by 7.18% (YoY)
- INTEREST(Q) Highest at GBP 8.6 MM
4
With ROE of 9.71%, it has a very attractive valuation with a 0.62 Price to Book Value
- Over the past year, while the stock has generated a return of -30.79%, its profits have fallen by -27.6%
5
Consistent Underperformance against the benchmark over the last 3 years
- Along with generating -30.79% returns in the last 1 year, the stock has also underperformed FTSE 100 in each of the last 3 annual periods
Real-Time Research ReportHow much should you hold?
- Overall Portfolio exposure to Card Factory Plc should be less than 10%
- Overall Portfolio exposure to Retailing should be less than 30%
(If sector exposure > 30%, please use optimiser tool to see which are the best stocks to hold in Retailing)
When to exit? - We will constantly monitor the company and suggest at the appropriate time to exit from the stock
Is Card Factory Plc for you?
High Risk, Low Return
Absolute
Risk Adjusted
Volatility
Card Factory Plc
-100.0%
-0.81
38.62%
FTSE 100
17.87%
1.52
11.77%
Quality
Management Risk
Growth
Capital StructureQuality key factors
Factor
Value
Sales Growth (5y)
15.37%
EBIT Growth (5y)
79.53%
EBIT to Interest (avg)
3.44
Debt to EBITDA (avg)
1.30
Net Debt to Equity (avg)
0.23
Sales to Capital Employed (avg)
1.17
Tax Ratio
25.43%
Dividend Payout Ratio
55.80%
Pledged Shares
0
Institutional Holding
0
ROCE (avg)
12.85%
ROE (avg)
10.04%
ValuationValuation Key Factors 
Factor
Value
P/E Ratio
6
Industry P/E
Price to Book Value
0.62
EV to EBIT
5.17
EV to EBITDA
2.77
EV to Capital Employed
0.70
EV to Sales
0.55
PEG Ratio
NA
Dividend Yield
NA
ROCE (Latest)
13.57%
ROE (Latest)
9.71%
TechnicalsTechnical key factors
Indicator
Weekly
Monthly
MACD
Mildly Bullish
Bearish
RSI
No Signal
No Signal
Bollinger Bands
Bearish
Bearish
Moving Averages
Bearish (Daily)
KST
Mildly Bullish
Bearish
Dow Theory
Mildly Bearish
Mildly Bullish
OBV
Mildly Bearish
No Trend
Technical Indicator Scale: Bearish, Mildly Bearish, Sideways, Mildly Bullish, Bullish Turned 
Financial Trend2What is working for the Company
NET SALES(Q)
Highest at GBP 335.1 MM
-4What is not working for the Company
ROCE(HY)
Lowest at 8.9%
RAW MATERIAL COST(Y)
Grown by 7.18% (YoY
INTEREST(Q)
Highest at GBP 8.6 MM
Here's what is working for Card Factory Plc
Net Sales
Highest at GBP 335.1 MM
in the last five periodsMOJO Watch
Near term sales trend is positive
Net Sales (GBP MM)
Depreciation
Highest at GBP 28 MM
in the last five periodsMOJO 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
Interest
Highest at GBP 8.6 MM
in the last five periods and Increased by 19.44% (QoQ)MOJO Watch
Rising interest cost signifies increased borrowings
Interest Paid (GBP MM)
Raw Material Cost
Grown by 7.18% (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
InfinHub Market Technologies FZ-LLC, Building-2, Unit 112, Dubai Internet City, Dubai, United Arab Emirates
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