Card Factory plc (LON:CARD)

Card Factory Financials Overview

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

Revenue & Profits

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jan 31, 2026	Jan 31, 2026	Jan 31, 2025	Jan 31, 2024	Jan 31, 2023	Jan 31, 2022
Revenue Revenue Growth	582.7	582.7	542.5	510.9	463.4	364.4
Revenue Growth	4.75%	7.41%	6.19%	10.25%	27.17%	27.82%
Gross Profit Gross Profit Growth	188.7	188.7	193.8	184.9	160.7	116.5
Operating Income Operating Income Growth	59.4	59.4	79.3	76.4	63.8	31.6
Net Income Net Income Growth	31.2	31.2	47.8	49.5	44.2	8.1
Earnings Per Share EPS Growth	0.09	0.09	0.14	0.14	0.13	0.02
EPS Growth	-27.64%	-35.04%	-4.20%	11.72%	433.33%	-

Revenue by Segment

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jan 31, 2026	Jan 31, 2026	Jan 31, 2025	Jan 31, 2024	Jan 31, 2023	Jan 31, 2022
Cardfactory Stores Cardfactory Stores Growth	514.6	514.6	506.8	478.9	440.4	335.1
Digital Digital Growth	20.6	20.6	13.2	14.7	-	-
Wholesale Partnerships Wholesale Partnerships Growth	47.2	47.2	22.2	17	5	4.6
Other Other Growth	0.3	0.3	0.3	0.3	0.7	0.9
Total Total Growth	582.7	582.7	542.5	510.9	463.4	364.4

Cash & Debt

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Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jan 31, 2026	Jan 31, 2026	Jan 31, 2025	Jan 31, 2024	Jan 31, 2023	Jan 31, 2022
Cash & Investments Cash & Investments Growth	18.8	18.8	16.5	11.3	11.7	38.3
Total Debt Total Debt Growth	208.5	208.5	184.4	145.8	172.9	230.8
Net Cash (Debt) Net Cash Growth	-189.7	-189.7	-167.9	-134.5	-161.2	-192.5
Net Cash Growth	-	-	-	-	-	-
Net Cash Per Share Net Cash Per Share Growth	-0.54	-0.54	-0.48	-0.39	-0.47	-0.56

Cash Flow & CapEx

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jan 31, 2026	Jan 31, 2026	Jan 31, 2025	Jan 31, 2024	Jan 31, 2023	Jan 31, 2022
Operating Cash Flow Operating Cash Flow Growth	110.3	110.3	88.9	105.2	99.9	113.7
Capital Expenditures CapEx Growth	-11.7	-11.7	-11.4	-18.8	-8.8	-3.6
Free Cash Flow Free Cash Flow Growth	98.6	98.6	77.5	86.4	91.1	110.1
Free Cash Flow Growth	6.59%	27.23%	-10.30%	-5.16%	-17.26%	60.26%

Margins

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Fiscal Year	TTM	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jan 31, 2026	Jan 31, 2026	Jan 31, 2025	Jan 31, 2024	Jan 31, 2023	Jan 31, 2022
Gross Margin	32.38%	32.38%	35.72%	36.19%	34.68%	31.97%
Operating Margin	10.19%	10.19%	14.62%	14.95%	13.77%	8.67%
Pretax Margin	7.53%	7.53%	11.82%	12.84%	11.31%	3.05%
Profit Margin	5.35%	5.35%	8.81%	9.69%	9.54%	2.22%
FCF Margin	16.92%	16.92%	14.29%	16.91%	19.66%	30.21%

Dividends

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Fiscal Year	Current	FY 2026	FY 2025	FY 2024
Period Ending	Jul 26, 2026	Jan 31, 2026	Jan 31, 2025	Jan 31, 2024
Dividend Per Share Dividend Per Share Growth	0.050	0.050	0.048	0.045
Dividend Per Share Growth	4.17%	4.17%	6.67%	-
Dividend Yield	7.11%	7.30%	6.01%	0.00%

Valuation

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Fiscal Year	Current	FY 2026	FY 2025	FY 2024	FY 2023	FY 2022
Period Ending	Jul 26, 2026	Jan 31, 2026	Jan 31, 2025	Jan 31, 2024	Jan 31, 2023	Jan 31, 2022
PE Ratio	7.90	7.61	6.93	6.53	7.42	24.38
Forward PE	5.50	5.31	6.38	6.72	8.73	12.83
P/FCF Ratio	2.46	2.37	4.27	3.71	3.57	1.82
PS Ratio	0.42	0.40	0.61	0.63	0.70	0.55

Data Sources: Fiscal.ai and S&P Global Market Intelligence Last updated: Apr 28, 2026

Financial data is provided by Fiscal.ai and updates within minutes after each earnings release, which is every six months for this company. Revenue segment data is provided by S&P Global Market Intelligence.

Update frequency:

Semi-annually

Last checked:

Jul 24, 2026

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