Card Factory (LSE:CARD) Effective Interest Rate on Debt % : 8.21% (As of Jan. 2024)

View and export this data going back to 2014. Start your Free Trial

What is Card Factory Effective Interest Rate on Debt %?

Effective Interest Rate on Debt % is the usage rate that a borrower actually pays on a debt. It is calculated as the positive value of Interest Expense divided by its average total debt. Total debt equals to Long-Term Debt & Capital Lease Obligation plus Short-Term Debt & Capital Lease Obligation. Card Factory's annualized positive value of Interest Expense for the quarter that ended in Jan. 2024 was £14.2 Mil. Card Factory's average total debt for the quarter that ended in Jan. 2024 was £172.9 Mil. Therefore, Card Factory's annualized Effective Interest Rate on Debt % for the quarter that ended in Jan. 2024 was 8.21%.

Card Factory Effective Interest Rate on Debt % Historical Data

The historical data trend for Card Factory's Effective Interest Rate on Debt % can be seen below:

* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD.
* For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.

* Premium members only.

Card Factory Effective Interest Rate on Debt % Chart

Card Factory Annual Data

Trend

Jan15

Jan16

Jan17

Jan18

Jan19

Jan20

Jan21

Jan22

Jan23

Jan24

Effective Interest Rate on Debt %

Get a 7-Day Free Trial

2.72

3.05

4.08

5.20

8.03

Card Factory Semi-Annual Data
	Jul14	Jan15	Jul15	Jan16	Jul16	Jan17	Jul17	Jan18	Jul18	Jan19	Jul19	Jan20	Jul20	Jan21	Jul21	Jan22	Jul22	Jan23	Jul23	Jan24
Effective Interest Rate on Debt %	Get a 7-Day Free Trial															4.67	4.60	5.60	6.11	8.21

Competitive Comparison of Card Factory's Effective Interest Rate on Debt %

For the Specialty Retail subindustry, Card Factory's Effective Interest Rate on Debt %, along with its competitors' market caps and Effective Interest Rate on Debt % data, can be viewed below:

* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.

Card Factory's Effective Interest Rate on Debt % Distribution in the Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, Card Factory's Effective Interest Rate on Debt % distribution charts can be found below:

* The bar in red indicates where Card Factory's Effective Interest Rate on Debt % falls into.

Card Factory Effective Interest Rate on Debt % Calculation

Card Factory's annualized Effective Interest Rate on Debt % for the fiscal year that ended in Jan. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (A: Jan. 2023 )	+	Total Debt (A: Jan. 2024 ))	/ count )
=	-1 * -12.8	/	( (172.9	+	145.8)	/ 2 )
=	-1 * -12.8	/	159.35
=	8.03 %

where

	Total Debt (A: Jan. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	118.5	+	54.4
=	172.9

	Total Debt (A: Jan. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	113.4	+	32.4
=	145.8

Card Factory's annualized Effective Interest Rate on Debt % for the quarter that ended in Jan. 2024 is calculated as

	Effective Interest Rate on Debt %
=	-1 * Interest Expense	/	( (Total Debt (Q: Jul. 2023 )	+	Total Debt (Q: Jan. 2024 ))	/ count )
=	-1 * -14.2	/	( (200	+	145.8)	/ 2 )
=	-1 * -14.2	/	172.9
=	8.21 %

where

	Total Debt (Q: Jul. 2023 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	150.4	+	49.6
=	200

	Total Debt (Q: Jan. 2024 )
=	Long-Term Debt & Capital Lease Obligation	+	Short-Term Debt & Capital Lease Obligation
=	113.4	+	32.4
=	145.8

In the calculation of annual Effective Interest Rate on Debt %, the Interest Expense of the last fiscal year and the average total debt over the fiscal year are used. In calculating the quarterly data, the Interest Expense data used here is two times the semi-annual (Jan. 2024) interest expense data. Effective Interest Rate on Debt % is displayed in the 30-year financial page.

Card Factory (LSE:CARD) Effective Interest Rate on Debt % Explanation

Effective Interest Rate on Debt % measures the usage rate that a borrower actually pays on a debt.

Card Factory Effective Interest Rate on Debt % Related Terms

Thank you for viewing the detailed overview of Card Factory's Effective Interest Rate on Debt % provided by GuruFocus.com. Please click on the following links to see related term pages.

Card Factory (LSE:CARD) Business Description

Industry

GURUFOCUS.COM » STOCK LIST » Consumer Cyclical » Retail - Cyclical » Card Factory PLC (LSE:CARD) » Definitions » Effective Interest Rate on Debt %

Comparable Companies

Traded in Other Exchanges

CARDl:UK

Address

Century House, Brunel Road, 41 Industrial Estate, Wakefield, West Yorkshire, GBR, WF2 0XG

Website

https://www.cardfactory.co.uk

Card Factory PLC is a British retailer of greeting cards. Its products are offered via stores present in the United Kingdom, as well as online through websites: Card Factory and Getting Personal. The company's strategy is to provide high-quality cards at affordable prices. Less than 50% of sales come from gift dressings, small gifts, and party items. The business model is vertically integrated. It has an in-house design team, a printing facility, and a central warehousing facility.