Card Factory (CHIX:CARDL) EBIT: £59.1 Mil (TTM As of Jan. 2026)

What is Card Factory EBIT?

Card Factory CHIX:CARDL -1.61% 81 EBIT is £59.1 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 earnings before interest and taxes (EBIT) for the six months ended in Jan. 2026 was £44.6 Mil. Its earnings before interest and taxes (EBIT) for the trailing twelve months (TTM) ended in Jan. 2026 was £59.1 Mil.

EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition. Card Factory's annualized ROC % for the quarter that ended in Jan. 2026 was 10.69%. Card Factory's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jan. 2026 was 51.10%.

EBIT is also linked to Joel Greenblatt's definition of earnings yield. Card Factory's Earnings Yield (Joel Greenblatt) % for the quarter that ended in Jan. 2026 was 14.10%.

Card Factory (CHIX:CARDl) EBIT Explanation

1. EBIT or Operating Income is linked to Return on Capital for both regular definition and Joel Greenblatt's definition.

Card Factory's annualized ROC % for the quarter that ended in Jan. 2026 is calculated as:

	ROC % (Q: Jan. 2026 )
=	NOPAT	/	Average Invested Capital
=	Operating Income * ( 1 - Tax Rate % )	/	( (Invested Capital (Q: Jul. 2025 )	+	Invested Capital (Q: Jan. 2026 ))	/ count )
=	89.8 * ( 1 - 29.67% )	/	( (561.8	+	619.6)	/ 2 )
=	63.15634	/	590.7
=	10.69 %

where

	Invested Capital		(Q: Jul. 2025 )
=	Total Assets	-	Accounts Payable & Accrued Expense	-	Excess Cash
=	Total Assets	-	Accounts Payable & Accrued Expense	-	( Cash, Cash Equivalents, Marketable Securities	-	max(0, Total Current Liabilities	-	Total Current Assets	+	Cash, Cash Equivalents, Marketable Securities	))
=	639.3	-	70.7	-	( 20.3	-	max(0, 107.7	-	114.5	+	20.3	))
=	561.8

	Invested Capital		(Q: Jan. 2026 )
=	Total Assets	-	Accounts Payable & Accrued Expense	-	Excess Cash
=	Total Assets	-	Accounts Payable & Accrued Expense	-	( Cash, Cash Equivalents, Marketable Securities	-	max(0, Total Current Liabilities	-	Total Current Assets	+	Cash, Cash Equivalents, Marketable Securities	))
=	660.9	-	53.6	-	( 18.8	-	max(0, 116.4	-	104.1	+	18.8	))
=	619.6

Note: The Operating Income data used here is two times the semi-annual (Jan. 2026) data.

2. Joel Greenblatt's definition of Return on Capital:

Card Factory's annualized ROC (Joel Greenblatt) % for the quarter that ended in Jan. 2026 is calculated as:

	ROC (Joel Greenblatt) %		(Q: Jan. 2026 )
=	EBIT	/	Average of (Net fixed Assets	+	Net Working Capital)
=	EBIT	/	Average of (Property, Plant and Equipment	+	Net Working Capital)
			Q: Jul. 2025		Q: Jan. 2026
=	EBIT	/	( ( (Property, Plant and Equipment + Net Working Capital)	+	(Property, Plant and Equipment + Net Working Capital) )	/	count )
=	89.2	/	( ( (166.2 + max(16.6, 0))	+	(166.3 + max(-3, 0)) )	/	2 )
=	89.2	/	( ( 182.8	+	166.3 )	/	2 )
=	89.2	/	174.55
=	51.10 %

where Working Capital is:

	Working Capital		(Q: Jul. 2025 )
=	(Accounts Receivable	+	Total Inventories	+	Other Current Assets)	-	(Accounts Payable & Accrued Expense	+	Defer. Rev.	+	Other Current Liabilities)
=	(18.8	+	68.3	+	7.1)	-	(70.7	+	0	+	6.9)
=	16.6

	Working Capital		(Q: Jan. 2026 )
=	(Accounts Receivable	+	Total Inventories	+	Other Current Assets)	-	(Accounts Payable & Accrued Expense	+	Defer. Rev.	+	Other Current Liabilities)
=	(13	+	58.9	+	7.2)	-	(53.6	+	0	+	28.5)
=	-3

When net working capital is negative, 0 is used.

Note: The EBIT data used here is two times the semi-annual (Jan. 2026) EBIT data.

3. It is also linked to Joel Greenblatt's definition of Earnings Yield:

Card Factory's Earnings Yield (Joel Greenblatt) % for today is calculated as:

Earnings Yield (Joel Greenblatt) %	=	EBIT (TTM)	/	Enterprise Value (Q: Jan. 2026 )
	=	59.1	/	419.288
	=	14.10 %

* 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 EBIT Related Terms

Card Factory EBIT Historical Data

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The historical data trend for Card Factory's EBIT can be seen below:

Card Factory EBIT Chart

Card Factory Annual Data

Trend

Jan17

Jan18

Jan19

Jan20

Jan21

Jan22

Jan23

Jan24

Jan25

Jan26

EBIT

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21.20

62.90

78.40

78.50

59.10

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
EBIT	Get a 7-Day Free Trial															48.00	20.70	57.80	14.50	44.60

CHIX:CARDL vs CASY, WSM, DKS: EBIT Comparison

For the Specialty Retail subindustry, Card Factory's EV-to-EBIT, along with its competitors' market caps and EV-to-EBIT 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 EV-to-EBIT vs Retail - Cyclical Industry

For the Retail - Cyclical industry and Consumer Cyclical sector, Card Factory's EV-to-EBIT distribution charts can be found below:

* The bar in red indicates where Card Factory's EV-to-EBIT falls into.

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81GF Score

Card Factory PLC CHIX:CARDL

EBIT is just one metric. See GF Score™, valuation, warning signs, and more.

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Card Factory EBIT Calculation

EBIT, sometimes also called Earnings Before Interest and Taxes, is a measure of a firm's profit that includes all expenses except interest and income tax expenses. It is the difference between operating revenues and operating expenses. When a firm does not have non-operating income, then Operating Income is sometimes used as a synonym for EBIT and operating profit.

EBIT 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 £59.1 Mil.

Frequently Asked Questions Learn more about EBIT →

What does a EBIT of £59.1 Mil mean?

Card Factory (CHIX:CARDL) has a EBIT of £59.1 Mil as of Jan. 2026. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Card Factory.

Is Card Factory's EBIT too high?

Card Factory's current EBIT is £59.1 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 EBIT compare to CASY and WSM?

Card Factory's EBIT of £59.1 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 EBIT for a Retail - Cyclical company?

A good EBIT depends on the Retail - Cyclical industry context. However, EBIT 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 EBIT mean?

A high EBIT can signal that a stock is expensive relative to its fundamentals. Earnings before interest and taxes is the difference between operating revenue and operating expenses. View historical data on Card Factory. Card Factory's current EBIT is £59.1 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 £0.67 — trading 39.5% below its estimated fair value. The current EBIT is £59.1 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 EBIT calculated?

EBIT is calculated from a company's financial statements. For Card Factory (CHIX:CARDL), the current EBIT is £59.1 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 £0.67 is trading 39.5% below its estimated GF Value™ of £1.11. GuruFocus considers Card Factory to be Significantly Undervalued.

Key valuation signals for CHIX:CARDL:

EBIT: £59.1 Mil
GF Value™: £1.11 vs. price of £0.67 (39.5% 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

Industry Consumer Cyclical Retail - Cyclical

Comparable Companies LSE:DFS LSE:IGR LSE:PROC LSE:MRK LSE:WRKS LSE:ANG LSE:SCGL LSE:MTC LSE:HFD LSE:AO.TSX:ATD CASY WSM DKS ULTA BBY TSCO SHSE:601888 ADX:ADNOCDIST TPE:3045

Other Exchanges CRFCF:USA CARD:UK 0CT:Germany

Address Century House, Brunel Road, 41 Industrial Estate, Wakefield, West Yorkshire, GBR, WF2 0XG

Website https://www.cardfactory.co.uk

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

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

£0.67

Price

£1.11

GF Value

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