Card FactorySTU:0CT -2.40%79 Current Ratio is 0.89 as of Jan. 2026, which is 27% above its 10-year median of 0.70. GuruFocus rates STU:0CT with a GF Score™ of 79/100 and a GF Value™ of €1.28 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,125 Retail - Cyclical companies, Card Factory ranks worse than 82.49% on this metric.
The current ratio is a liquidity ratio that measures a company's ability to pay short-term obligations. It is calculated as a company's Total Current Assets divides by its Total Current Liabilities. Card Factory's current ratio for the quarter that ended in Jan. 2026 was 0.89.
Card Factory has a current ratio of 0.89. It indicates that the company may have difficulty meeting its current obligations. Low values, however, do not indicate a critical problem. If Card Factory has good long-term prospects, it may be able to borrow against those prospects to meet current obligations.
The historical rank and industry rank for Card Factory's Current Ratio or its related term are showing as below:
STU:0CT'
s Current Ratio Range Over the Past 10 Years
Min: 0.5 Med: 0.7 Max: 1.34
Current: 0.89
During the past 13 years, Card Factory's highest Current Ratio was 1.34. The lowest was 0.50. And the median was 0.70.
STU:0CT's Current Ratio is ranked worse than 82.49% of 1125
companies
in the Retail - Cyclical industry
Industry Median: 1.58
vs STU:0CT: 0.89
Card Factory (STU:0CT) Current Ratio Explanation
The current ratio can give a sense of the efficiency of a company's operating cycle or its ability to turn its product into cash. Companies that have trouble getting paid on their receivables or have long inventory turnover can run into liquidity problems because they are unable to alleviate their obligations. Because business operations differ in each industry, it is always more useful to compare companies within the same industry.
Acceptable current ratios vary from industry to industry and are generally between 1 and 3 for healthy businesses.
The higher the current ratio, the more capable the company is of paying its obligations. A ratio under 1 suggests that the company would be unable to pay off its obligations if they came due at that point. While this shows the company is not in good financial health, it does not necessarily mean that it will go bankrupt - as there are many ways to access financing - but it is definitely not a good sign.
If all other things were equal, a creditor, who is expecting to be paid in the next 12 months, would consider a high current ratio to be better than a low current ratio, because a high current ratio means that the company is more likely to meet its liabilities which fall due in the next 12 months.
Card Factory Current Ratio Related Terms
Card Factory Current Ratio Historical Data
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The historical data trend for Card Factory's Current Ratio 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.
STU:0CT vs CASY, WSM, DKS: Current Ratio Comparison
For the Specialty Retail subindustry, Card Factory's Current Ratio, along with its competitors' market caps and Current Ratio 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 Current Ratio vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Card Factory's Current Ratio distribution charts can be found below:
* The bar in red indicates where Card Factory's Current Ratio falls into.
* 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 (STU:0CT) has a Current Ratio of 0.89 as of Jan. 2026. This is 27% above median its historical median of 0.70. Over the past decade, Card Factory's Current Ratio has ranged from 0.50 to 1.34. According to the industry distribution chart, Card Factory ranks #928 out of 1125 companies in the Retail - Cyclical industry, placing it in the top 82.5%.
Is Card Factory's Current Ratio too high?
Card Factory's current Current Ratio of 0.89 is 27% above median its 10-year median of 0.70. Over the past 10 years, this metric has ranged from a low of 0.50 to a high of 1.34. The Retail - Cyclical industry median Current Ratio is 1.58. Card Factory's value of 0.89 is 43.7% below this industry median. Based on the distribution chart, Card Factory ranks #928 out of 1125 companies in the Retail - Cyclical industry, which is in the bottom quartile relative to peers. Overall, Card Factory has a GF Score™ of 79/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Card Factory's Current Ratio compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Card Factory ranks #928 out of 1125 companies for Current Ratio. This places Card Factory in the lower half of its industry. The industry median Current Ratio is 1.58. Card Factory's value of 0.89 is 43.7% below this benchmark. Historically, Card Factory's own Current Ratio has ranged from 0.50 to 1.34 over the past decade. While the company's 10-year median is 0.70 vs. the industry median of 1.58, Card Factory has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Current Ratio for a Retail - Cyclical company?
The median Current Ratio among Retail - Cyclical companies is 1.58, based on 1,125 companies in the industry. Companies in the top quartile (top 25%) have a Current Ratio significantly above this median, while those in the bottom quartile fall well below. However, Current Ratio should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Card Factory's current Current Ratio of 0.89 is 43.7% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Current Ratio mean?
A high Current Ratio can signal that a stock is expensive relative to its fundamentals. For the Retail - Cyclical industry, the median Current Ratio is 1.58 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Card Factory's current Current Ratio is 0.89, which is 27% above median its own 10-year median of 0.70. 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 €0.77 — trading 39.7% below its estimated fair value. The current Current Ratio is 0.89, which is 27% above median its 10-year median of 0.70 and 43.7% below the Retail - Cyclical industry median of 1.58. Card Factory's overall GF Score™ is 79/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Current Ratio calculated?
Current Ratio is calculated from a company's financial statements. For Card Factory (STU:0CT), the current Current Ratio is 0.89 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 €0.77 is trading 39.7% below its estimated GF Value™ of €1.28.
GuruFocus considers Card Factory to be Significantly Undervalued.
Key valuation signals for STU:0CT:
Current Ratio: 0.89 (27% above median its 10-year median of 0.70)
GF Value™: €1.28 vs. price of €0.77 (39.7% below fair value)
Industry Position: 43.7% below the Retail - Cyclical median (#928 of 1125)
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 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.
79GF Score
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