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Card FactoryCHIX:CARDL +2.88%80 Debt-to-EBITDA is 1.43 as of Jan. 2026, which is 32% below its 10-year median of 2.11. GuruFocus rates CHIX:CARDL with a GF Score™ of 80/100 and a GF Value™ of £1.12 (Significantly Undervalued). The stock has 4 warning signs investors should review. Among 904 Retail - Cyclical companies, Card Factory ranks better than 60.07% on this metric.
Debt-to-EBITDA measures a company's ability to pay off its debt.
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt. According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
The historical rank and industry rank for Card Factory's Debt-to-EBITDA or its related term are showing as below:
CHIX:CARDl'
s Debt-to-EBITDA Range Over the Past 10 Years
Min: 1.17 Med: 2.11 Max: 6.17
Current: 1.85
During the past 13 years, the highest Debt-to-EBITDA Ratio of Card Factory was 6.17. The lowest was 1.17. And the median was 2.11.
CHIX:CARDl's Debt-to-EBITDA is ranked better than 60.07% of 904
companies
in the Retail - Cyclical industry
Industry Median: 2.4
vs CHIX:CARDl: 1.85
A high Debt-to-EBITDA ratio generally means that a company may spend more time to paying off its debt.
According to Joel Tillinghast's BIG MONEY THINKS SMALL: Biases, Blind Spots, and Smarter Investing, a ratio of Debt-to-EBITDA exceeding four is usually considered scary unless tangible assets cover the debt.
Card Factory Debt-to-EBITDA Related Terms
Card Factory Debt-to-EBITDA Historical Data
* Premium members only.
The historical data trend for Card Factory's Debt-to-EBITDA 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.
CHIX:CARDL vs CASY, WSM, ULTA: Debt-to-EBITDA Comparison
For the Specialty Retail subindustry, Card Factory's Debt-to-EBITDA, along with its competitors' market caps and Debt-to-EBITDA 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 Debt-to-EBITDA vs Retail - Cyclical Industry
For the Retail - Cyclical industry and Consumer Cyclical sector, Card Factory's Debt-to-EBITDA distribution charts can be found below:
* The bar in red indicates where Card Factory's Debt-to-EBITDA 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.
In the calculation of annual Debt-to-EBITDA, the EBITDA of the last fiscal year is used. In calculating the annualized quarterly data,
the EBITDA data used here is two times the quarterly (Jan. 2026) EBITDA data.
Card Factory (CHIX:CARDL) has a Debt-to-EBITDA of 1.43 as of Jan. 2026. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Card Factory. This is 32% below median its historical median of 2.11. Over the past decade, Card Factory's Debt-to-EBITDA has ranged from 1.17 to 6.17. According to the industry distribution chart, Card Factory ranks #361 out of 904 companies in the Retail - Cyclical industry, placing it in the top 39.9%.
Is Card Factory's Debt-to-EBITDA too high?
Card Factory's current Debt-to-EBITDA of 1.43 is 32% below median its 10-year median of 2.11. Over the past 10 years, this metric has ranged from a low of 1.17 to a high of 6.17. The Retail - Cyclical industry median Debt-to-EBITDA is 2.40. Card Factory's value of 1.43 is 40.4% below this industry median. Based on the distribution chart, Card Factory ranks #361 out of 904 companies in the Retail - Cyclical industry, which is above the industry midpoint. 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 Debt-to-EBITDA compare to CASY and WSM?
According to the Retail - Cyclical industry distribution chart, Card Factory ranks #361 out of 904 companies for Debt-to-EBITDA. This puts Card Factory in the upper half of its industry. The industry median Debt-to-EBITDA is 2.40. Card Factory's value of 1.43 is 40.4% below this benchmark. Historically, Card Factory's own Debt-to-EBITDA has ranged from 1.17 to 6.17 over the past decade. While the company's 10-year median is 2.11 vs. the industry median of 2.40, 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 Debt-to-EBITDA for a Retail - Cyclical company?
The median Debt-to-EBITDA among Retail - Cyclical companies is 2.40, based on 904 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-EBITDA significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-EBITDA should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. Card Factory's current Debt-to-EBITDA of 1.43 is 40.4% 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 Debt-to-EBITDA mean?
A high Debt-to-EBITDA can signal that a stock is expensive relative to its fundamentals. Debt-to-EBITDA ratio represents the ratio of total debt to total earnings before interest, taxes, depreciation and amortization. View historical data on Card Factory. For the Retail - Cyclical industry, the median Debt-to-EBITDA is 2.40 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. Card Factory's current Debt-to-EBITDA is 1.43, which is 32% below median its own 10-year median of 2.11. 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 £1.12, compared to a current price of £0.75 — trading 33% below its estimated fair value. The current Debt-to-EBITDA is 1.43, which is 32% below median its 10-year median of 2.11 and 40.4% below the Retail - Cyclical industry median of 2.40. 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 Debt-to-EBITDA calculated?
Debt-to-EBITDA is calculated from a company's financial statements. For Card Factory (CHIX:CARDL), the current Debt-to-EBITDA is 1.43 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 £0.75 is trading 33% below its estimated GF Value™ of £1.12.
GuruFocus considers Card Factory to be Significantly Undervalued.
Key valuation signals for CHIX:CARDL:
Debt-to-EBITDA: 1.43 (32% below median its 10-year median of 2.11)
GF Value™: £1.12 vs. price of £0.75 (33% below fair value)
Industry Position: 40.4% below the Retail - Cyclical median (#361 of 904)
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 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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