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Card Factory

BATS-CHIXE:CARDL
Snowflake Description

Good value average dividend payer.

The Snowflake is generated from 30 checks in 5 different areas, read more below.
CARDL
BATS-CHIXE
£141M
Market Cap
  1. Home
  2. GB
  3. Retail
Company description

Card Factory plc operates as a specialist retailer of greeting cards primarily in the United Kingdom. The last earnings update was 197 days ago. More info.


Add to Portfolio Compare Print
  • Card Factory has significant price volatility in the past 3 months.
CARDL Share Price and Events
7 Day Returns
29.7%
BATS-CHIXE:CARDL
-0.9%
GB Specialty Retail
0.1%
GB Market
1 Year Returns
-76.7%
BATS-CHIXE:CARDL
-31.7%
GB Specialty Retail
-23.6%
GB Market
CARDL Shareholder Return
  7 Day 30 Day 90 Day 1 Year 3 Year 5 Year
Card Factory (CARDL) 29.7% -44% -59.4% -76.7% -86.4% -87.3%
GB Specialty Retail -0.9% -29.3% -43.3% -31.7% -41.6% -47.1%
GB Market 0.1% -15.5% -27% -23.6% -24.3% -23.5%
1 Year Return vs Industry and Market
  • CARDL underperformed the Specialty Retail industry which returned -31.7% over the past year.
  • CARDL underperformed the Market in United Kingdom of Great Britain and Northern Ireland which returned -23.6% over the past year.
Price Volatility
CARDL
Industry
5yr Volatility vs Market
Related Companies

Value

 Is Card Factory undervalued based on future cash flows and its price relative to the stock market?

Value is all about what a company is worth versus what price it is available for. If you went into a grocery store and all the bananas were on sale at half price, they could be considered undervalued.
INTRINSIC VALUE BASED ON FUTURE CASH FLOWS
Here we compare the current share price of Card Factory to its discounted cash flow analysis.value.

The discounted cash flow value is simply looking at what the company is worth today, based on estimates of how much money it is expected to make in the future.
Raw Data

Below are the data sources, inputs and calculation used to determine the intrinsic value for Card Factory.

BATS-CHIXE:CARDL Discounted Cash Flow Data Sources
Data Point Source Value
Valuation Model Dividend Discount Model
Dividend Per Share Company Filings (2019-07-31) in GBP £ 0.06897
Payout Ratio Company Filings (2019-07-31) 5161%
Discount Rate (Cost of Equity) See below 7.2%
Perpetual Growth Rate 10-Year GB Government Bond Rate 0.5%

An important part of a discounted cash flow is the discount rate, below we explain how it has been calculated.

Calculation of Discount Rate/ Cost of Equity for BATS-CHIXE:CARDL
Data Point Calculation/ Source Result
Risk-Free Rate 10-Year GB Govt Bond Rate 0.5%
Equity Risk Premium S&P Global 6.1%
Specialty Retail Unlevered Beta Simply Wall St/ S&P Global 0.83
Re-levered Beta = Unlevered beta (1 + (1- tax rate) (Debt/Equity))
= 0.834 (1 + (1- 19%) (228.96%))
1.092
Levered Beta Levered Beta limited to 0.8 to 2.0
(practical range for a stable firm)
1.09
Discount Rate/ Cost of Equity = Cost of Equity = Risk Free Rate + (Levered Beta * Equity Risk Premium)
= 0.53% + (1.092 * 6.07%)
7.16%

Discounted Cash Flow Calculation for BATS-CHIXE:CARDL using Dividend Discount Model Model

The calculations below outline how an intrinsic value for Card Factory is arrived at by discounting future dividends to their present value. This approach is used for finance firms where free cash flow is difficult to estimate (e.g. Banks/ Insurance firms).

If the firm does not pay the majority of its earnings out as a dividend this method will often arrive at a value significantly lower than the share price.

See our documentation to learn about this calculation.

BATS-CHIXE:CARDL Gordon Growth Model
Calculation Result
Value per share = Expected dividends per share / (Discount Rate - Perpetual growth rate)
= £0.07 / (7.16% - 0.53%)
£1.01
BATS-CHIXE:CARDL Discount to Share Price
Calculation Result
Non-primary Listing Adjustment Factor 1 share in BATS-CHIXE:CARDL represents 0.98663x of LSE:CARD
(This could be a different class, a depositary receipt, a different currency, or all of these things.)
0.98663x
Value per Share
(Listing Adjusted, GBP)
= Value per Share (GBP) x Listing Adjustment Factor
= £ 1.04 x 0.98663
£1.03
Value per share (GBP) From above. £1.03
Current discount Discount to share price of £0.41
= -1 x (£0.41 - £1.03) / £1.03
60.5%

Learn more about our DCF calculations in Simply Wall St’s analysis model .

Current Discount
Amount off the current price Card Factory is available for.
Intrinsic value
>50%
Share price is £0.41 vs Future cash flow value of £1.03
Current Discount Checks
For Card Factory to be considered undervalued it must be available for at least 20% below the current price. Less than 40% is even better.
  • Card Factory's share price is below the future cash flow value, and at a moderate discount (> 20%).
  • Card Factory's share price is below the future cash flow value, and at a substantial discount (> 40%).
PRICE RELATIVE TO MARKET
We can also value a company based on what the stock market is willing to pay for it. This is similar to the price of fruit (e.g. Mangoes or Avocados) increasing when they are out of season, or how much your home is worth.

The amount the stock market is willing to pay for Card Factory's earnings, growth and assets is considered below, and whether this is a fair price.
Price based on past earnings
Are Card Factory's earnings available for a low price, and how does this compare to other companies in the same industry?
Raw Data
BATS-CHIXE:CARDL PE (Price to Earnings) Ratio Data Sources
Data Point Source Value
Earnings Per Share * Company Filings (2019-07-31) in GBP £0.14
LSE:CARD Share Price ** LSE (2020-04-07) in GBP £0.41
United Kingdom of Great Britain and Northern Ireland Specialty Retail Industry PE Ratio Median Figure of 23 Publicly-Listed Specialty Retail Companies 7.37x
United Kingdom of Great Britain and Northern Ireland Market PE Ratio Median Figure of 748 Publicly-Listed Companies 12.61x

* Trailing twelve months (TTM) annual GAAP earnings per share excluding extraordinary items.

** Primary Listing of Card Factory.

BATS-CHIXE:CARDL PE (Price to Earnings) Ratio Calculation
Calculation Outcome
PE Ratio

= LSE:CARD Share Price ÷ EPS (both in GBP)

= 0.41 ÷ 0.14

2.92x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Card Factory is good value based on earnings compared to the GB Specialty Retail industry average.
  • Card Factory is good value based on earnings compared to the United Kingdom of Great Britain and Northern Ireland market.
Price based on expected Growth
Does Card Factory's expected growth come at a high price?
Raw Data
BATS-CHIXE:CARDL PEG (Price to Earnings to Growth) Ratio Data Sources
Data Point Source Value
PE Ratio See PE Ratio Section 2.92x
Net Income Annual Growth Rate See Future Growth Section.
Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts
-4.5%per year
United Kingdom of Great Britain and Northern Ireland Specialty Retail Industry PEG Ratio Median Figure of 15 Publicly-Listed Specialty Retail Companies 0.69x
United Kingdom of Great Britain and Northern Ireland Market PEG Ratio Median Figure of 517 Publicly-Listed Companies 0.99x

*Line of best fit is calculated by linear regression .

BATS-CHIXE:CARDL PEG (Price to Earnings to Growth) Ratio Calculation
Calculation Outcome
PEG Ratio

= PE Ratio ÷ Net Income Annual Growth Rate

= 2.92x ÷ -4.5%

-0.65x

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Card Factory earnings are not expected to grow next year, we can't assess if its growth is good value.
Price based on value of assets
What value do investors place on Card Factory's assets?
Raw Data
BATS-CHIXE:CARDL PB (Price to Book) Ratio Data Sources
Data Point Source Value
Book Value per Share Company Filings (2019-07-31) in GBP £0.65
LSE:CARD Share Price * LSE (2020-04-07) in GBP £0.41
United Kingdom of Great Britain and Northern Ireland Specialty Retail Industry PB Ratio Median Figure of 36 Publicly-Listed Specialty Retail Companies 0.61x
United Kingdom of Great Britain and Northern Ireland Market PB Ratio Median Figure of 1,323 Publicly-Listed Companies 1.11x
BATS-CHIXE:CARDL PB (Price to Book) Ratio Calculation
Calculation Outcome
PB Ratio

= LSE:CARD Share Price ÷ Book Value per Share (both in GBP)

= 0.41 ÷ 0.65

0.63x

* Primary Listing of Card Factory.

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Card Factory is overvalued based on assets compared to the GB Specialty Retail industry average.
X
Value checks
We assess Card Factory's value by looking at:
  1. Is the discounted cash flow value less than 20%, or 40% of the share price? (2 checks) ( Click here or on bar chart for details of DCF calculation. )
  2. Is the PE ratio less than the market average, and/ or less than the Specialty Retail industry average (and greater than 0)? (2 checks)
  3. Is the PEG ratio within a reasonable range (0 to 1)? (1 check)
  4. Is the PB ratio less than the Specialty Retail industry average (and greater than 0)? (1 check)
  5. Card Factory has a total score of 4/6, see the detailed checks below.

    Note: We use GAAP Earnings per Share in all our calculations including PE and PEG Ratio.

    Full details on the Value part of the Simply Wall St company analysis model.

Future Performance

 How is Card Factory expected to perform in the next 1 to 3 years based on estimates from 3 analysts?

The future performance of a company is measured in the same way as past performance, by looking at estimated growth and how much profit it is expected to make.

Future estimates come from professional analysts. Just like forecasting the weather, they don’t always get it right!
Annual Growth Rate
-4.5%
Expected annual growth in earnings.
Earnings growth vs Low Risk Savings
Is Card Factory expected to grow at an attractive rate?
  • Card Factory's earnings are expected to decrease over the next 1-3 years, this is below the low risk savings rate of 0.5%.
Growth vs Market Checks
  • Card Factory's earnings are expected to decrease over the next 1-3 years, this is below the United Kingdom of Great Britain and Northern Ireland market average.
  • Card Factory's revenue growth is positive but not above the United Kingdom of Great Britain and Northern Ireland market average.
Annual Growth Rates Comparison
Raw Data
BATS-CHIXE:CARDL Future Growth Rates Data Sources
Data Point Source Value (per year)
BATS-CHIXE:CARDL Future Earnings Growth Rate Line of Best Fit* through Consensus Estimate Earnings of 3 Analysts -4.5%
BATS-CHIXE:CARDL Future Revenue Growth Rate Line of Best Fit* through Consensus Estimate Revenue of 3 Analysts 0.6%
United Kingdom of Great Britain and Northern Ireland Specialty Retail Industry Earnings Growth Rate Market Cap Weighted Average 15.7%
United Kingdom of Great Britain and Northern Ireland Specialty Retail Industry Revenue Growth Rate Market Cap Weighted Average 3.7%
United Kingdom of Great Britain and Northern Ireland Market Earnings Growth Rate Market Cap Weighted Average 15.5%
United Kingdom of Great Britain and Northern Ireland Market Revenue Growth Rate Market Cap Weighted Average 2.5%

*Line of best fit is calculated by linear regression .

Industry and Market average data is calculated daily.

Learn more about our growth rate calculations in Simply Wall St’s analysis model.

Analysts growth expectations
Raw Data
BATS-CHIXE:CARDL Analysts Growth Expectations Data Sources
Data Point Source Value
Past Financials Company Filings (8 months ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
All numbers in GBP Millions and using Trailing twelve months (TTM) annual period rather than quarterly.
BATS-CHIXE:CARDL Future Estimates Data
Date (Data in GBP Millions) Revenue Cash Flow Net Income * Avg. No. Analysts
2022-01-31 455 45 3
2021-01-31 446 46 3
2020-04-08
2020-01-31 450 54 3
BATS-CHIXE:CARDL Past Financials Data
Date (Data in GBP Millions) Revenue Cash Flow Net Income *
2019-07-31 446 60 48
2019-04-30 441 73 50
2019-01-31 436 86 51
2018-10-31 432 107 57
2018-07-31 428 106 63
2018-04-30 425 89 60
2018-01-31 422 73 58
2017-10-31 415 72 61
2017-07-31 409 72 63
2017-04-30 403 77 64
2017-01-31 398 82 66
2016-10-31 394 81 67

*GAAP earnings excluding extraordinary items.

Super high growth metrics
High Growth Checks
  • Card Factory's earnings are expected to decrease over the next 1-3 years, this is not considered high growth.
  • Card Factory's revenue is expected to grow by 0.6% yearly, however this is not considered high growth (20% yearly).
Past and Future Earnings per Share
The accuracy of the analysts who estimate the future performance data can be gauged below. We look back 3 years and see if they were any good at predicting what actually occurred. We also show the highest and lowest estimates looking forward to see if there is a wide range.
Raw Data
BATS-CHIXE:CARDL Past and Future Earnings per Share
Data Point Source Value
Past Financials Company Filings (8 months ago) See Below
Future Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below

All data from Card Factory Company Filings, last reported 8 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

BATS-CHIXE:CARDL Future Estimates Data
Date (Data in GBP Millions) EPS * EPS High Estimate EPS Low Estimate Avg. No. Analysts
2022-01-31 0.13 0.13 0.13 1.00
2021-01-31 0.14 0.14 0.14 1.00
2020-04-08
2020-01-31 0.16 0.16 0.16 1.00
BATS-CHIXE:CARDL Past Financials Data
Date (Data in GBP Millions) EPS *
2019-07-31 0.14
2019-04-30 0.15
2019-01-31 0.15
2018-10-31 0.17
2018-07-31 0.18
2018-04-30 0.18
2018-01-31 0.17
2017-10-31 0.18
2017-07-31 0.18
2017-04-30 0.19
2017-01-31 0.19
2016-10-31 0.20

*GAAP earnings excluding extraordinary items.

Performance in 3 years
In the same way as past performance we look at the future estimated return (profit) compared to the available funds. We do this looking forward 3 years.
  • Card Factory is not expected to efficiently use shareholders’ funds in the future (Return on Equity less than 20%).
X
Future performance checks
We assess Card Factory's future performance by looking at:
  1. Is the annual earnings growth rate expected to beat the low risk savings rate, plus a premium to keep pace with inflation?
  2. Is the annual earnings growth rate expected to beat the average growth rate in earnings of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  3. Is the annual revenue growth rate expected to beat the average growth rate in revenue of the United Kingdom of Great Britain and Northern Ireland market? (1 check)
  4. Is the annual earnings growth rate expected to be above 20%? (1 check)
  5. Is the annual revenue growth rate expected to be above 20%? (1 check)
  6. Is the Return on Equity in 3 years expected to be over 20%? (1 check)
Some of the above checks will fail if the company is expected to be loss making in the relevant year.
Card Factory has a total score of 0/6, see the detailed checks below.

Note 1: We use GAAP Net Income Excluding Exceptional Items for our Earnings in all our calculations.

Full details on the Future part of the Simply Wall St company analysis model.

Past Performance

  How has Card Factory performed over the past 5 years?

  • Card Factory's last earnings update was 197 days ago.
The past performance of a company can be measured by how much growth it has experienced and how much profit it makes relative to the funds and assets it has available.
Past earnings growth
Below we compare Card Factory's growth in the last year to its industry (Specialty Retail).
Past Earnings growth analysis
We also check if the company has grown in the past 5 years, and whether it has maintained that growth in the year.
  • Card Factory's year on year earnings growth rate has been positive over the past 5 years, however the most recent earnings are below average.
  • Card Factory's 1-year earnings growth is negative, it can't be compared to the 5-year average.
  • Card Factory's 1-year earnings growth is negative, it can't be compared to the GB Specialty Retail industry average.
Earnings and Revenue History
Card Factory's revenue and profit over the past 5 years is shown below, any years where they have experienced a loss will show up in red.
Raw Data

All data from Card Factory Company Filings, last reported 8 months ago, and in Trailing twelve months (TTM) annual period rather than quarterly.

BATS-CHIXE:CARDL Past Revenue, Cash Flow and Net Income Data
Date (Data in GBP Millions) Revenue Net Income * G+A Expenses R&D Expenses
2019-07-31 446.30 48.10 46.30
2019-04-30 441.15 49.75 45.65
2019-01-31 436.00 51.40 45.00
2018-10-31 431.90 57.45 38.05
2018-07-31 427.80 62.50 37.00
2018-04-30 424.95 60.40 39.35
2018-01-31 422.10 58.30 41.70
2017-10-31 415.35 60.55 41.75
2017-07-31 408.60 62.80 41.80
2017-04-30 403.40 64.25 40.75
2017-01-31 398.20 65.70 39.70
2016-10-31 393.80 67.25 38.95
2016-07-31 389.40 68.80 38.20
2016-04-30 385.50 67.60 37.65
2016-01-31 381.60 66.40 37.10
2015-10-31 373.45 62.50 36.55
2015-07-31 365.30 58.60 36.00
2015-04-30 359.30 45.90 34.95
2015-01-31 353.30 33.20 33.90
2014-10-31 346.20 21.35 32.85
2014-07-31 339.10 9.50 31.80
2014-04-30 333.00 13.95 31.25
2014-01-31 326.90 18.40 30.70

*GAAP earnings excluding extraordinary items.

Performance last year
We want to ensure a company is making the most of what it has available. This is done by comparing the return (profit) to a company's available funds, assets and capital.
  • Card Factory has efficiently used shareholders’ funds last year (Return on Equity greater than 20%).
  • Card Factory used its assets more efficiently than the GB Specialty Retail industry average last year based on Return on Assets.
  • Card Factory's use of capital deteriorated last year versus 3 years ago (Return on Capital Employed).
X
Past performance checks
We assess Card Factory's performance over the past 5 years by checking for:
  1. Has earnings increased in past 5 years? (1 check)
  2. Has the earnings growth in the last year exceeded that of the Specialty Retail industry? (1 check)
  3. Is the recent earnings growth over the last year higher than the average annual growth over the past 5 years? (1 check)
  4. Is the Return on Equity (ROE) higher than 20%? (1 check)
  5. Is the Return on Assets (ROA) above industry average? (1 check)
  6. Has the Return on Capital Employed (ROCE) increased from 3 years ago? (1 check)
The above checks will fail if the company has reported a loss in the most recent earnings report. Some checks require at least 3 or 5 years worth of data.
Card Factory has a total score of 3/6, see the detailed checks below.

Note: We use GAAP Net Income excluding extraordinary items in all our calculations.

Full details on the Past part of the Simply Wall St company analysis model.

Health

 How is Card Factory's financial health and their level of debt?

A company's financial position is much like your own financial position, it includes everything you own (assets) and owe (liabilities).

The boxes below represent the relative size of what makes up Card Factory's finances.

The net worth of a company is the difference between its assets and liabilities.
Net Worth
  • Card Factory is able to meet its short term (1 year) commitments with its holdings of cash and other short term assets.
  • Card Factory's long term commitments exceed its cash and other short term assets.
Balance sheet
This treemap shows a more detailed breakdown of Card Factory's finances. If any of them are yellow this indicates they may be out of proportion and red means they relate to one of the checks below.
Assets
Liabilities and shares
The 'shares' portion represents any funds contributed by the owners (shareholders) and any profits.
  • High level of physical assets or inventory.
  • Debt is not covered by short term assets, assets are 0.6x debt.
Historical Debt
Nearly all companies have debt. Debt in itself isn’t bad, however if the debt is too high, or the company can’t afford to pay the interest on its debts this may have impacts in the future.

The graphic below shows equity (available funds) and debt, we ideally want to see the red area (debt) decreasing.

If there is any debt we look at the companies capability to repay it, and whether the level has increased over the past 5 years.
Raw Data

All data from Card Factory Company Filings, last reported 8 months ago.

BATS-CHIXE:CARDL Past Debt and Equity Data
Date (Data in GBP Millions) Total Equity Total Debt Cash & Short Term Investments
2019-07-31 221.90 174.80 4.80
2019-04-30 221.90 174.80 4.80
2019-01-31 227.80 144.00 3.80
2018-10-31 227.80 144.00 3.80
2018-07-31 225.40 164.70 5.20
2018-04-30 225.40 164.70 5.20
2018-01-31 218.40 164.50 3.60
2017-10-31 218.40 164.50 3.60
2017-07-31 243.90 149.50 4.00
2017-04-30 243.90 149.50 4.00
2017-01-31 249.50 138.20 3.00
2016-10-31 249.50 138.20 3.00
2016-07-31 266.90 124.50 3.40
2016-04-30 266.90 124.50 3.40
2016-01-31 265.70 134.40 11.30
2015-10-31 265.70 134.40 11.30
2015-07-31 277.20 119.20 11.10
2015-04-30 277.20 119.20 11.10
2015-01-31 282.90 170.50 69.00
2014-10-31 282.90 170.50 69.00
2014-07-31 236.40 177.70 33.50
2014-04-30 236.40 177.70 33.50
2014-01-31 31.10 387.50 40.70
  • Card Factory's level of debt (78.8%) compared to net worth is high (greater than 40%).
  • The level of debt compared to net worth has increased over the past 5 years (73.4% vs 78.8% today).
  • Debt is well covered by operating cash flow (34.2%, greater than 20% of total debt).
  • Interest payments on debt are well covered by earnings (EBIT is 19.6x coverage).
X
Financial health checks
We assess Card Factory's financial health by checking for:
  1. Are short term assets greater than short term liabilities? (1 check)
  2. Are short term assets greater than long term liabilities? (1 check)
  3. Has the debt to equity ratio increased in the past 5 years? (1 check)
  4. Is the debt to equity ratio over 40%? (1 check)
  5. Is the debt covered by operating cash flow? (1 check)
  6. Are earnings greater than 5x the interest on debt (if company pays interest at all)? (1 check)
  7. Card Factory has a total score of 3/6, see the detailed checks below.
For companies that are loss making and have been so on average in the past we replace the last 2 checks with:
  1. Does cash and short term investments cover stable operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)
  2. Does cash and short term investments cover growing operating expenses (recurring G&A and R&D) for more than 3 years? (1 check)


Full details on the Health part of the Simply Wall St company analysis model.

Dividends

 What is Card Factory's current dividend yield, its reliability and sustainability?

Dividends are regular cash payments to you from the company, similar to a bank paying you interest on a savings account.
Annual Dividend Income
Dividend payments
34.75%
Current annual income from Card Factory dividends. Estimated to be 16.76% next year.
If you bought £2,000 of Card Factory shares you are expected to receive £695 in your first year as a dividend.
Dividend Amount
Here we look how much dividend is being paid, if any. Is it above what you can get in a savings account? It is up there with the best dividend paying companies?
  • Card Factory's pays a higher dividend yield than the bottom 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (2.59%).
  • Card Factory's dividend is above the markets top 25% of dividend payers in United Kingdom of Great Britain and Northern Ireland (7.08%).
Annualized Historical and Future Dividends
It is important to see if the dividend for a company is stable, and not wildly increasing/decreasing each year. This graph shows you the historical rate to count toward your assessment of the stock.

We also check to see if the dividend has increased in the past 10 years.
Raw Data
BATS-CHIXE:CARDL Annualized Past and Future Dividends
Data Point Source Value
Past Annualized Dividend Yield S&P Global Market Data See Below
Past Dividends per Share Company Filings/ Annualized Dividend Payments See Below
Future Dividends per Share Estimates Average of up to 3 Analyst Estimates (S&P Global) See Below
United Kingdom of Great Britain and Northern Ireland Specialty Retail Industry Average Dividend Yield Market Cap Weighted Average of 22 Stocks 4.7%
United Kingdom of Great Britain and Northern Ireland Market Average Dividend Yield Market Cap Weighted Average of 588 Stocks 5.6%
United Kingdom of Great Britain and Northern Ireland Minimum Threshold Dividend Yield 10th Percentile 1.3%
United Kingdom of Great Britain and Northern Ireland Bottom 25% Dividend Yield 25th Percentile 2.6%
United Kingdom of Great Britain and Northern Ireland Top 25% Dividend Yield 75th Percentile 7.1%

Industry and Market average data is calculated daily.

Note all dividend per share amounts are annualized and not quarterly or other period.

BATS-CHIXE:CARDL Future Dividends Estimate Data
Date (Data in £) Dividend per Share (annual) Avg. No. Analysts
2022-01-31 0.07 2.00
2021-01-31 0.07 2.00
2020-04-08
2020-01-31 0.14 2.00
BATS-CHIXE:CARDL Past Annualized Dividends Data
Date (Data in £) Dividend per share (annual) Avg. Yield (%)
2019-09-24 0.143 15.615
2019-05-03 0.143 8.307
2019-04-16 0.143 7.039
2018-11-15 0.143 7.816
2018-04-27 0.243 12.337
2018-04-10 0.243 10.315
2017-09-26 0.242 10.059
2017-04-26 0.241 7.571
2017-03-28 0.241 8.136
2016-09-27 0.238 9.134
2016-04-26 0.085 2.618
2016-04-05 0.085 2.365
2015-09-22 0.070 1.978
2015-04-23 0.090 2.606
2015-03-25 0.090 2.903
2014-09-18 0.046 1.809

Learn more about our ratios and growth rates in Simply Wall St’s analysis model >

  • Card Factory has been paying a dividend for less than 10 years and during this time payments have been volatile (annual drop of over 20%).
  • Dividend payments have increased, but Card Factory only paid a dividend in the past 6 years.
Current Payout to shareholders
What portion of Card Factory's earnings are paid to the shareholders as a dividend.
  • Dividends paid are covered by earnings (1.5x coverage).
Future Payout to shareholders
  • Dividends after 3 years are expected to be covered by earnings (2x coverage).
X
Income/ dividend checks
We assess Card Factory's dividend by checking for:
  1. Firstly is the company paying a notable dividend (greater than 1.3%) - if not then the rest of the checks are ignored.
  2. Is current dividend yield above the bottom 25% of dividend payers? (1 check)
  3. Is current dividend yield above the top 25% of dividend payers? (1 check)
  4. Have they paid a dividend for 10 years, and during this period has the dividend been volatile (drop of more than 25%)? (1 check)
  5. If they have paid a dividend for 10 years has it increased in this time? (1 check)
  6. How sustainable is the dividend, can Card Factory afford to pay it from its earnings today and in 3 years (Payout ratio less than 90%)? (2 checks)
  7. Card Factory has a total score of 4/6, see the detailed checks below.


Full details on the Dividends part of the Simply Wall St company analysis model.

Management

 What is the CEO of Card Factory's salary, the management and board of directors tenure and is there insider trading?

Management is one of the most important areas of a company. We look at unreasonable CEO compensation, how long the team and board of directors have been around for and insider trading.
CEO
Karen Hubbard
COMPENSATION £610,819
TENURE AS CEO 4 years
CEO Bio

Ms. Karen Hubbard has been the Chief Executive Officer of Card Factory PLC since April 25, 2016. Ms. Hubbard served as the Chief Operating Officer of UK at B&M European Value Retail S.A. from October 2014 to December 24, 2015, where she was responsible for retail operations, distribution and logistics, supply chain, IT, HR, marketing and store development. Ms. Hubbard has over 20 years of experience in Retail at both Executive and Director levels in a number of International markets. At B&M European Value Retail S.A., Ms. Hubbard was accountable for retail operations, distribution & logistics, supply chain, IT, HR, marketing and store development. She served as an Executive Director of Store Proposition and Head of Supermarkets Divisionn at ASDA Group Limited. She served as an Operations Director of ASDA Group Ltd. since December 2008 and its Executive Director for Property, Multi Channel and Format Development. From 2009 to 2014, she held a number of senior roles at ASDA. She spent 14 years in BP's retail operations. She was responsible for overseeing the ASDA Group Ltd's smaller stores. She previously spent 14 years in BP’s retail operations, initially in Australia before moving to the UK in 2004 where she became UK Convenience Retail Director, responsible for BP’s own retail estate across all formats including Connect/Simply Food, Motorway, Express and the franchise channel. She was responsible for BP's own retail estate across all formats including Connect/Simply Food, Motorway, Express and the franchise channel. She has been an Executive Director of Card Factory PLC since February 22, 2016.

CEO Compensation
  • Karen's compensation has increased by more than 20% whilst company earnings have fallen more than 20% in the past year.
  • Karen's remuneration is about average for companies of similar size in United Kingdom of Great Britain and Northern Ireland.
Management Team Tenure

Average tenure and age of the Card Factory management team in years:

5
Average Tenure
47
Average Age
  • The average tenure for the Card Factory management team is over 5 years, this suggests they are a seasoned and experienced team.
Management Team

Karen Hubbard

TITLE
CEO & Executive Director
COMPENSATION
£611K
TENURE
4 yrs

Kris Lee

TITLE
CFO & Executive Director
COMPENSATION
£375K
TENURE
2.8 yrs

Shiv Sibal

TITLE
Company Secretary
TENURE
6 yrs

Helen Lockwood

TITLE
Human Resources Director
AGE
52
TENURE
14.3 yrs

Adam Dury

TITLE
Chief Commercial Officer
TENURE
0.7 yrs

John Smith

TITLE
Getting Personal Managing Director
AGE
46

Andrew Wasley

TITLE
Printcraft Managing Director
AGE
47
TENURE
10.3 yrs
Board of Directors Tenure

Average tenure and age of the Card Factory board of directors in years:

3.5
Average Tenure
61
Average Age
  • The tenure for the Card Factory board of directors is about average.
Board of Directors

Paul Moody

TITLE
Non-Executive Chairman
COMPENSATION
£40K
AGE
62
TENURE
1.5 yrs

Karen Hubbard

TITLE
CEO & Executive Director
COMPENSATION
£611K
TENURE
4.2 yrs

Kris Lee

TITLE
CFO & Executive Director
COMPENSATION
£375K
TENURE
2.8 yrs

Shiv Sibal

TITLE
Company Secretary
TENURE
1 yrs

Octavia Morley

TITLE
Senior Independent Non-Executive Director
COMPENSATION
£57K
AGE
51
TENURE
6 yrs

David Stead

TITLE
Independent Non-Executive Director
COMPENSATION
£53K
AGE
61
TENURE
6 yrs

Paul McCrudden

TITLE
Independent Non-Executive Director
COMPENSATION
£45K
TENURE
5.3 yrs

Roger Whiteside

TITLE
Independent Non-Executive Director
COMPENSATION
£45K
AGE
61
TENURE
2.3 yrs
Who owns this company?
Recent Insider Trading
  • More shares have been bought than sold by Card Factory individual insiders in the past 3 months, but not in substantial volumes.
Recent Insider Transactions
Announced Type Name Entity Role Start End Shares Max Price (£) Value (£)
09. Jan 20 Buy Karen Hubbard Individual 09. Jan 20 09. Jan 20 10,000 £1.09 £10,937
04. Jul 19 Buy Kristian Lee Individual 02. Jul 19 02. Jul 19 3,195 £1.78 £5,674
16. May 19 Buy Karen Hubbard Individual 15. May 19 15. May 19 8,412 £1.88 £15,799
X
Management checks
We assess Card Factory's management by checking for:
  1. Is the CEO's compensation unreasonable compared to market cap? (1 check)
  2. Has the CEO's compensation increased more than 20% whilst the EPS is down more then 20%? (1 check)
  3. Is the average tenure of the management team less than 2 years? (1 check)
  4. Is the average tenure of the board of directors team less than 3 years? (1 check)
  5. Card Factory has a total score of 0/6, this is not included on the snowflake, see the detailed checks below.


Note: We use the top 6 management executives and board members in our calculations.

Note 2: Insider trading include any internal stakeholders and these transactions .

Full details on the Management part of the Simply Wall St company analysis model.

News

Simply Wall St News

Company Info

Description

Card Factory plc operates as a specialist retailer of greeting cards primarily in the United Kingdom. The company designs, sources, prints, warehouses, produces, distributes, and sells greeting cards, dressings, and related gift items. It operates through two segments, Card Factory and Getting Personal. The company provides single cards for everyday occasions, including birthdays, anniversaries, weddings, thank you, get well soon, good luck, congratulations, sympathy, and new baby cards, as well as seasonal occasions, such as Christmas, Mother’s Day, Father’s Day, Valentine’s Day, Easter, thank you teacher, graduation, and exam congratulations; online personalized physical cards; and boxes of various Christmas cards. It also offers gift dressings comprising gift wraps, bags, boxes, tags, bows, and ribbons; small gifts consisting of soft toys, ceramics, glassware, candles, picture frames, and homewares; party products, including balloons, banners, badges, and candles; and other non-card products, such as calendars, diaries, and stamps. The company offers its products through various retail locations, including high streets, shopping centers, and retail parks, as well as through its Websites, such as cardfactory.co.uk. and gettingpersonal.co.uk. It operates approximately 950 Card Factory stores. Card Factory plc was founded in 1997 and is headquartered in Wakefield, the United Kingdom.

Details
Name: Card Factory plc
CARDL
Exchange: BATS-CHIXE
Founded: 1997
£140,547,539
341,549,306
Website: http://www.cardfactoryinvestors.com
Address: Card Factory plc
Century House,
Brunel Road,
Wakefield,
West Yorkshire, WF2 0XG,
United Kingdom
Listings
Exchange Symbol Ticker Symbol Security Exchange Country Currency Listed on
LSE CARD Ordinary Shares London Stock Exchange GB GBP 15. May 2014
DB 0CT Ordinary Shares Deutsche Boerse AG DE EUR 15. May 2014
BATS-CHIXE CARDL Ordinary Shares BATS 'Chi-X Europe' GB GBP 15. May 2014
Number of employees
Current staff
Staff numbers
7,000
Card Factory employees.
Industry
Specialty Stores
Retail
Company Analysis and Financial Data Status
Area Date (UTC time)
Company Analysis updated: 2020/04/08 00:36
End of day share price update: 2020/04/07 00:00
Last estimates confirmation: 2020/04/07
Last earnings filing: 2019/09/24
Last earnings reported: 2019/07/31
Last annual earnings reported: 2019/01/31


All dates and times in UTC. All financial data provided by Standard & Poor’s Capital IQ.

Unless specified all financial data is based on a yearly period but updated quarterly. This is known as Trailing Twelve Month (TTM) or Last Twelve Month (LTM) Data. Learn more here.