Card Factory (CHIX:CARDL) Payments of Debt: £-228.2 Mil (TTM As of Jan. 2026)

Author: Vera Yuan Vera Yuan
Vera Yuan
Vera Yuan
Director of Data and Quant Analytics at GuruFocus
Focused on building reliable datasets, financial models, and research tools for value-minded investors. Committed to turning complex data into practical guidance for value-investing and long-term wealth.
Reviewed by: Charlie Tian Charlie Tian
Charlie Tian
Charlie Tian
Founder & CEO of GuruFocus
Dr. Charlie Tian is the founder and CEO of GuruFocus.com, a leading global investment research platform established in 2004. With a Ph.D. in physics, Dr. Tian transitioned from science to finance, applying a data-driven, disciplined approach to value investing.

CHIX:CARDL Card Factory PLC CHIX:CARDL
81 GF Score
Price £0.69
GF Value £1.11
Valuation Significantly Undervalued
! 4 Warning Signs
View Full Analysis

What is Card Factory Payments of Debt?

Card Factory CHIX:CARDL +1.47% 81 Payments of Debt is £-228.2 Mil as of Jan. 2026. GuruFocus rates CHIX:CARDL with a GF Score™ of 81/100 and a GF Value™ of £1.11 (Significantly Undervalued). The stock has 4 warning signs investors should review.

Card Factory's Payments of Debt for the six months ended in Jan. 2026 was £-130.2 Mil.

Card Factory's Payments of Debt for the trailing twelve months (TTM) ended in Jan. 2026 was £-228.2 Mil.

Card Factory Payments of Debt Related Terms

Card Factory Payments of Debt Historical Data

* Premium members only.

The historical data trend for Card Factory's Payments of 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.

Card Factory Payments of Debt Chart

Card Factory Annual Data
Trend Jan17 Jan18 Jan19 Jan20 Jan21 Jan22 Jan23 Jan24 Jan25 Jan26
Payments of Debt
Get a 7-Day Free Trial Premium Member Only Premium Member Only -65.00 -72.90 -190.60 -228.50 -228.20

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
Payments of Debt 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 -178.30 -141.20 -87.30 -98.00 -130.20
CHIX:CARDL
81GF Score
Card Factory PLC CHIX:CARDL
Payments of Debt is just one metric. See GF Score™, valuation, warning signs, and more.
View Full Analysis

Card Factory Payments of Debt Calculation

Payments of Debt represents all the cash outflow from debt, including both long-term debt and short-term debt.

Payments of Debt for the trailing twelve months (TTM) ended in Jan. 2026 adds up the semi-annually data reported by the company within the most recent 12 months, which was £-228.2 Mil.

* 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.

Frequently Asked Questions Learn more about Payments of Debt →
What does a Payments of Debt of £-228.2 Mil mean?
Card Factory (CHIX:CARDL) has a Payments of Debt of £-228.2 Mil as of Jan. 2026. Payments of Debt is all the cash outflow from debt, including both long-term debt and short-term debt. View historical data on Card Factory and its competitors.
Is Card Factory's Payments of Debt too high?
Card Factory's current Payments of Debt is £-228.2 Mil. Overall, Card Factory has a GF Score™ of 81/100 and is considered Significantly Undervalued, reflecting its overall financial health beyond just this single metric.
How does Card Factory's Payments of Debt compare to CASY and WSM?
Card Factory's Payments of Debt of £-228.2 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 Payments of Debt for a Retail - Cyclical company?
A good Payments of Debt depends on the Retail - Cyclical industry context. However, Payments of Debt 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 Payments of Debt mean?
A high Payments of Debt can signal that a stock is expensive relative to its fundamentals. Payments of Debt is all the cash outflow from debt, including both long-term debt and short-term debt. View historical data on Card Factory and its competitors. Card Factory's current Payments of Debt is £-228.2 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 (CHIX:CARDL) is currently considered Significantly Undervalued. The stock's GF Value™ is £1.11, compared to a current price of £0.69 — trading 38% below its estimated fair value. The current Payments of Debt is £-228.2 Mil. Card Factory's overall GF Score™ is 81/100 with 4 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Payments of Debt calculated?
Payments of Debt is calculated from a company's financial statements. For Card Factory (CHIX:CARDL), the current Payments of Debt is £-228.2 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 (CHIX:CARDL) Overvalued in 2026?

Based on GuruFocus' analysis, Card Factory stock appears to be undervalued. The current stock price of £0.69 is trading 38% below its estimated GF Value™ of £1.11. GuruFocus considers Card Factory to be Significantly Undervalued.

Key valuation signals for CHIX:CARDL:

  • Payments of Debt: £-228.2 Mil
  • GF Value™: £1.11 vs. price of £0.69 (38% below fair value)
  • GF Score™: 81/100 with 4 warning signs

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

Card Factory Business Description

Other Exchanges CRFCF:USACARD:UK0CT:Germany
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.
81GF Score

Get the complete analysis for CHIX:CARDL

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

£0.69
Price
£1.11
GF Value