Card Factory (STU:0CT) Accounts Payable: €29.0 Mil (As of Jan. 2026)

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STU:0CT Card Factory PLC STU:0CT
80 GF Score
Price €0.82
GF Value €1.28
Valuation Significantly Undervalued
! 4 Warning Signs
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What is Card Factory Accounts Payable?

Card Factory STU:0CT +0.12% 80 Accounts Payable is €29.0 Mil as of Jan. 2026. GuruFocus rates STU:0CT with a GF Score™ of 80/100 and a GF Value™ of €1.28 (Significantly Undervalued). The stock has 4 warning signs investors should review.

Card Factory's Accounts Payable for the quarter that ended in Jan. 2026 was €29.0 Mil.

Card Factory's quarterly Accounts Payable increased from Jan. 2025 (€24.7 Mil) to Jul. 2025 (€81.8 Mil) but then declined from Jul. 2025 (€81.8 Mil) to Jan. 2026 (€29.0 Mil).

Card Factory's annual Accounts Payable declined from Jan. 2024 (€29.3 Mil) to Jan. 2025 (€24.7 Mil) but then increased from Jan. 2025 (€24.7 Mil) to Jan. 2026 (€29.0 Mil).

Card Factory Accounts Payable Historical Data

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The historical data trend for Card Factory's Accounts Payable 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.

Card Factory Accounts Payable Chart

Card Factory Annual Data
Trend Jan17 Jan18 Jan19 Jan20 Jan21 Jan22 Jan23 Jan24 Jan25 Jan26
Accounts Payable
Get a 7-Day Free Trial Premium Member Only Premium Member Only 37.25 33.17 29.28 24.72 29.02

Card Factory Semi-Annual Data
Jul16 Jan17 Jul17 Jan18 Jul18 Jan19 Jul19 Jan20 Jul20 Jan21 Jul21 Jan22 Jul22 Jan23 Jul23 Jan24 Jul24 Jan25 Jul25 Jan26
Accounts Payable Get a 7-Day Free Trial Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only Premium Member Only 29.28 90.78 24.72 81.77 29.02
STU:0CT
80GF Score
Card Factory PLC STU:0CT
Accounts Payable is just one metric. See GF Score™, valuation, warning signs, and more.
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Card Factory Accounts Payable Calculation

Accounts Payable represents any money that a company owes its suppliers for goods and services purchased on credit and is expected to pay within the next year or operating cycle.

Frequently Asked Questions Learn more about Accounts Payable →
What does a Accounts Payable of €29.0 Mil mean?
Card Factory (STU:0CT) has a Accounts Payable of €29.0 Mil as of Jan. 2026. Accounts Payable is any money that a company owes for goods and services purchased on credit and is expected to pay within the next year. View historical data on Card Factory and its competitors.
Is Card Factory's Accounts Payable too high?
Card Factory's current Accounts Payable is €29.0 Mil. Overall, Card Factory has a GF Score™ of 80/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Card Factory's Accounts Payable compare to CASY and WSM?
Card Factory's Accounts Payable of €29.0 Mil can be compared against companies in the Retail - Cyclical industry. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Accounts Payable for a Retail - Cyclical company?
A good Accounts Payable depends on the Retail - Cyclical industry context. However, Accounts Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Accounts Payable mean?
A high Accounts Payable can signal that a stock is expensive relative to its fundamentals. Accounts Payable is any money that a company owes for goods and services purchased on credit and is expected to pay within the next year. View historical data on Card Factory and its competitors. Card Factory's current Accounts Payable is €29.0 Mil. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is Card Factory stock overvalued right now?
Based on GuruFocus' analysis, Card Factory (STU:0CT) is currently considered Significantly Undervalued. The stock's GF Value™ is €1.28, compared to a current price of €0.82 — trading 36.2% below its estimated fair value. The current Accounts Payable is €29.0 Mil. Card Factory's overall GF Score™ is 80/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Accounts Payable calculated?
Accounts Payable is calculated from a company's financial statements. For Card Factory (STU:0CT), the current Accounts Payable is €29.0 Mil as of Jan. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.

Is Card Factory (STU:0CT) Overvalued in 2026?

Based on GuruFocus' analysis, Card Factory stock appears to be undervalued. The current stock price of €0.82 is trading 36.2% below its estimated GF Value™ of €1.28. GuruFocus considers Card Factory to be Significantly Undervalued.

Key valuation signals for STU:0CT:

  • Accounts Payable: €29.0 Mil
  • GF Value™: €1.28 vs. price of €0.82 (36.2% below fair value)
  • GF Score™: 80/100 with 4 warning signs

No single metric tells the full story. See the STU:0CT stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.

Card Factory Business Description

Other Exchanges CRFCF:USACARDl:UKCARD:UK
Address Century House, Brunel Road, 41 Industrial Estate, Wakefield, West Yorkshire, GBR, WF2 0XG
Card Factory PLC is a British retailer of greeting cards. The principal activities of the Company operations are as a vertically integrated, omnichannel retailer of cards, gifts, and celebration essentials. 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 revenue is principally attributable to the retail sale of cards, dressings, and gifts. The business model is vertically integrated. It has an in-house design team, a printing facility, and a central warehousing facility.
80GF Score

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Accounts Payable is just one metric. See GF Value™, 30-year financials, guru trades, warning signs, and more.

€0.82
Price
€1.28
GF Value