Card FactoryCRFCF +1.40%84 Days Payable is 39.75 as of Jan. 2026, which is 53% above its 10-year median of 25.92. GuruFocus rates CRFCF with a GF Score™ of 84/100 and a GF Value™ of $1.50 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 1,096 Retail - Cyclical companies, Card Factory ranks worse than 67.34% on this metric.
The historical rank and industry rank for Card Factory's Days Payable or its related term are showing as below:
CRFCF'
s Days Payable Range Over the Past 10 Years
Min: 18.44 Med: 25.92 Max: 36.36
Current: 36.01
During the past 13 years, Card Factory's highest Days Payable was 36.36. The lowest was 18.44. And the median was 25.92.
CRFCF's Days Payable is ranked worse than 67.34% of 1096
companies
in the Retail - Cyclical industry
Industry Median: 51.865
vs CRFCF: 36.01
Card Factory's Days Payable
declined
from Jan. 2025 (47.92) to Jan. 2026 (39.75).
It may suggest that Card Factoryaccelerated paying its suppliers.
Card Factory Days Payable Related Terms
Card Factory Days Payable Historical Data
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The historical data trend for Card Factory's Days 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.
For the Specialty Retail subindustry, Card Factory's Days Payable, along with its competitors' market caps and Days Payable 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 Days Payable vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Card Factory's Days Payable distribution charts can be found below:
* The bar in red indicates where Card Factory's Days Payable falls into.
Days Payable indicates the number of days that the account payable relative to cost of goods sold the company has. An increase of Days Payable may suggest that the company delays paying its suppliers.
Card Factory's Days Payable for the fiscal year that ended in Jan. 2026 is calculated as
* 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 (CRFCF) has a Days Payable of 39.75 as of Jan. 2026. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Card Factory and its competitors. This is 53% above median its historical median of 25.92. Over the past decade, Card Factory's Days Payable has ranged from 18.44 to 36.36. According to the industry distribution chart, Card Factory ranks #738 out of 1096 companies in the Retail - Cyclical industry, placing it in the top 67.3%.
Is Card Factory's Days Payable too high?
Card Factory's current Days Payable of 39.75 is 53% above median its 10-year median of 25.92. Over the past 10 years, this metric has ranged from a low of 18.44 to a high of 36.36. The Retail - Cyclical industry median Days Payable is 51.87. Card Factory's value of 39.75 is 23.4% below this industry median. Based on the distribution chart, Card Factory ranks #738 out of 1096 companies in the Retail - Cyclical industry, which is below the industry midpoint. Overall, Card Factory has a GF Score™ of 84/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Card Factory's Days Payable compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Card Factory ranks #738 out of 1096 companies for Days Payable. This places Card Factory in the lower half of its industry. The industry median Days Payable is 51.87. Card Factory's value of 39.75 is 23.4% below this benchmark. Historically, Card Factory's own Days Payable has ranged from 18.44 to 36.36 over the past decade. While the company's 10-year median is 25.92 vs. the industry median of 51.87, 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 Days Payable for a Retail - Cyclical company?
The median Days Payable among Retail - Cyclical companies is 51.87, based on 1,096 companies in the industry. Companies in the top quartile (top 25%) have a Days Payable significantly above this median, while those in the bottom quartile fall well below. However, Days Payable should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Card Factory's current Days Payable of 39.75 is 23.4% 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 Days Payable mean?
A high Days Payable can signal that a stock is expensive relative to its fundamentals. Days payable represents the average amount of days a company waits to pay its invoices from suppliers. View historical data on Card Factory and its competitors. For the Retail - Cyclical industry, the median Days Payable is 51.87 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Card Factory's current Days Payable is 39.75, which is 53% above median its own 10-year median of 25.92. 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 (CRFCF) is currently considered Significantly Undervalued. The stock's GF Value™ is $1.50, compared to a current price of $0.91 — trading 39.2% below its estimated fair value. The current Days Payable is 39.75, which is 53% above median its 10-year median of 25.92 and 23.4% below the Retail - Cyclical industry median of 51.87. Card Factory's overall GF Score™ is 84/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Days Payable calculated?
Days Payable is calculated from a company's financial statements. For Card Factory (CRFCF), the current Days Payable is 39.75 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 (CRFCF) Overvalued in 2026?
Based on GuruFocus' analysis, Card Factory stock appears to be undervalued.
The current stock price of $0.91 is trading 39.2% below its estimated GF Value™ of $1.50.
GuruFocus considers Card Factory to be Significantly Undervalued.
Key valuation signals for CRFCF:
Days Payable: 39.75 (53% above median its 10-year median of 25.92)
GF Value™: $1.50 vs. price of $0.91 (39.2% below fair value)
Industry Position: 23.4% below the Retail - Cyclical median (#738 of 1096)
No single metric tells the full story. See the CRFCF 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.
84GF Score
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