Card Factory plc
Card Factory plc Fundamental Analysis
Card Factory plc (CRFCF) shows moderate financial fundamentals with a PE ratio of 5.56, profit margin of 7.71%, and ROE of 12.51%. The company generates $0.5B in annual revenue with strong year-over-year growth of 10.25%.
Key Strengths
Areas of Concern
The stock receives a Fundamental Health Score of 47.8/100 based on profitability, valuation, growth, and balance sheet metrics. The D grade reflects weak fundamentals and significant financial concerns.
Fundamental Health Score
We analyze CRFCF's fundamental strength across five key dimensions:
Efficiency Score
WeakCRFCF struggles to generate sufficient returns from assets.
Valuation Score
ExcellentCRFCF trades at attractive valuation levels.
Growth Score
ModerateCRFCF shows steady but slowing expansion.
Financial Health Score
ExcellentCRFCF maintains a strong and stable balance sheet.
Profitability Score
WeakCRFCF struggles to sustain strong margins.
Key Financial Metrics
Is CRFCF Expensive or Cheap?
P/E Ratio
CRFCF trades at 5.56 times earnings. This suggests potential undervaluation.
PEG Ratio
When adjusting for growth, CRFCF's PEG of -1.05 indicates potential undervaluation.
Price to Book
The market values Card Factory plc at 0.70 times its book value. This may indicate undervaluation.
EV/EBITDA
Enterprise value stands at 0.42 times EBITDA. This is generally considered low.
How Well Does CRFCF Make Money?
Net Profit Margin
For every $100 in sales, Card Factory plc keeps $7.71 as profit after all expenses.
Operating Margin
Core operations generate 13.00 in profit for every $100 in revenue, before interest and taxes.
ROE
Management delivers $12.51 in profit for every $100 of shareholder equity.
ROA
Card Factory plc generates $6.71 in profit for every $100 in assets, demonstrating efficient asset deployment.
Following the Money - Real Cash Generation
Operating Cash Flow
Card Factory plc produces operating cash flow of $102.75M, showing steady but balanced cash generation.
Free Cash Flow
Card Factory plc generates strong free cash flow of $91.39M, providing ample flexibility for dividends, buybacks, or growth.
FCF Per Share
Each share generates $0.26 in free cash annually.
FCF Yield
CRFCF converts 39.29% of its market value into free cash.
Financial Ratios Analysis
Valuation Ratios
P/E Ratio
Price to earnings ratio
5.56
vs 25 benchmark
PEG Ratio
Price/earnings to growth ratio
-1.05
vs 25 benchmark
P/B Ratio
Price to book value ratio
0.70
vs 25 benchmark
P/S Ratio
Price to sales ratio
0.42
vs 25 benchmark
Financial Health
Debt/Equity
Total debt to shareholders' equity
0.65
vs 25 benchmark
Current Ratio
Current assets to current liabilities
1.06
vs 25 benchmark
Efficiency Ratios
ROE
Return on equity percentage
0.13
vs 25 benchmark
ROA
Return on assets percentage
0.07
vs 25 benchmark
ROCE
Return on capital employed
0.14
vs 25 benchmark
How CRFCF Stacks Against Its Sector Peers
| Metric | CRFCF Value | Sector Average | Performance |
|---|---|---|---|
| P/E Ratio | 5.56 | 24.85 | Better (Cheaper) |
| ROE | 12.51% | 1165.00% | Weak |
| Net Margin | 7.71% | 749.00% | Weak |
| Debt/Equity | 0.65 | 0.76 | Neutral |
| Current Ratio | 1.06 | 9.23 | Neutral |
| ROA | 6.71% | 1271.00% | Weak |
CRFCF outperforms its industry in 1 out of 6 key metrics, but lagging in ROE.
Historical Growth Performance
5-Year Growth Trajectory
This section reviews Card Factory plc's 5-year compound annual growth rate (CAGR) and compares its performance against the typical investment style of its industry.
Revenue CAGR
16.56%
Industry Style: Cyclical, Growth, Discretionary
High GrowthEPS CAGR
-4.20%
Industry Style: Cyclical, Growth, Discretionary
DecliningFCF CAGR
-18.69%
Industry Style: Cyclical, Growth, Discretionary
Declining