Card Factory Income Statement

Financials in millions GBP. Fiscal year is February - January.

Millions GBP. Fiscal year is Feb - Jan.

Fiscal Year	TTM	FY 2025	FY 2024	FY 2023	FY 2022	FY 2021
Period Ending	Jul '25 Jul 31, 2025	Jan '25 Jan 31, 2025	Jan '24 Jan 31, 2024	Jan '23 Jan 31, 2023	Jan '22 Jan 31, 2022	Jan '21 Jan 31, 2021
Revenue	556.3	542.5	510.9	463.4	364.4	285.1
Revenue Growth (YoY)	6.18%	6.19%	10.25%	27.17%	27.82%	-36.85%
Cost of Revenue	362.9	349.6	326	302.7	247.9	205.7
Gross Profit	193.4	192.9	184.9	160.7	116.5	79.4
Selling, General & Admin	114.3	112.5	109.4	48.7	38.9	33.6
Operating Expenses	114.9	112.5	109.4	94.1	87.9	84.3
Operating Income	78.5	80.4	75.5	66.6	28.6	-4.9
Interest Expense	-15.1	-14.9	-13.4	-11.4	-20.5	-8.9
Interest & Investment Income	0.4	0.2	-	-	-	-
EBT Excluding Unusual Items	63.8	65.7	62.1	55.2	8.1	-13.8
Merger & Restructuring Charges	-4.3	-2.6	-	-	-	-
Asset Writedown	-	-	-1.1	-2.8	-5	-2.6
Other Unusual Items	-1.9	1	4.6	-	8	-
Pretax Income	57.6	64.1	65.6	52.4	11.1	-16.4
Income Tax Expense	14.7	16.3	16.1	8.2	3	-2.8
Net Income	42.9	47.8	49.5	44.2	8.1	-13.6
Net Income to Common	42.9	47.8	49.5	44.2	8.1	-13.6
Net Income Growth	5.15%	-3.43%	11.99%	445.68%	-	-
Shares Outstanding (Basic)	348	347	343	342	342	342
Shares Outstanding (Diluted)	350	349	347	344	344	342
Shares Change (YoY)	0.63%	0.55%	0.97%	0.09%	0.54%	0.05%
EPS (Basic)	0.12	0.14	0.14	0.13	0.02	-0.04
EPS (Diluted)	0.12	0.14	0.14	0.13	0.02	-0.04
EPS Growth	4.17%	-4.20%	11.72%	440.08%	-	-
Free Cash Flow	92.5	77.5	86.4	91.1	110.1	68.7
Free Cash Flow Per Share	0.26	0.22	0.25	0.27	0.32	0.20
Dividend Per Share	0.049	0.048	0.045	-	-	-
Dividend Growth	-14.04%	6.67%	-	-	-	-
Gross Margin	34.77%	35.56%	36.19%	34.68%	31.97%	27.85%
Operating Margin	14.11%	14.82%	14.78%	14.37%	7.85%	-1.72%
Profit Margin	7.71%	8.81%	9.69%	9.54%	2.22%	-4.77%
Free Cash Flow Margin	16.63%	14.29%	16.91%	19.66%	30.21%	24.10%
EBITDA	86	89.4	83.1	74.6	37.4	4.3
EBITDA Margin	15.46%	16.48%	16.27%	16.10%	10.26%	1.51%
D&A For EBITDA	7.5	9	7.6	8	8.8	9.2
EBIT	78.5	80.4	75.5	66.6	28.6	-4.9
EBIT Margin	14.11%	14.82%	14.78%	14.37%	7.85%	-1.72%
Effective Tax Rate	25.52%	25.43%	24.54%	15.65%	27.03%	-

Updated Jul 31, 2025. Source: S&P Global Market Intelligence. Standard template. Financial Sources.