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CRFCF

Card Factory Plc

Consumer Cyclical · $311M market cap

Verdict

Share price

$0.913

close of Oct 1, 2026

Fair value

$1.09

Sticker Price

Payback Price

$0.434

buy price

Undervalued

CRFCF is Undervalued: at $0.913 it trades 16% below its fair value of $1.09. Its buy price (Payback Price) is $0.434, 52% below today's price. Business quality is mixed: 2 of 5 key numbers clear the 10% bar.

How we valued it

Owner Earnings. Earnings grow slowly (under 7% a year), but cash flow is steady, so we value it on its cash flow instead of its earnings.

Business quality

2 of 5 clear the 10% bar. What are the Big Five?

Earnings per share growth6.4% a year✗
Equity per share growth12.4% a year✓
Sales growth4.7% a year✗
Free cash flow growth3.9% a year✗
Return on invested capital10.4%✓

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About Card Factory Plc

Card Factory Plc engages in retailing greeting cards and related gifting items. It operates through the following segments: Cardfactory Stores, Cardfactory Online, Partnerships, and Other. The Cardfactory Stores segment retails greeting cards, celebration accessories, and gifts through a network of stores in the United Kingdom and Republic of Ireland. The Cardfactory Online segment includes retailing of greeting…

Specialty Retail

Fair value and Payback Price are estimates from the company's reported financials, not investment advice. Prices as of the close of Oct 1, 2026. How the Payback Price works